COMMUNITY RESOURCE CREDIT UNION: Form 990, tax year 2011

View the entire original 990 at ProPublica ↗

Organization: COMMUNITY RESOURCE CREDIT UNION (EIN 74-1109927)
Tax period: 2011-01-01 to 2011-12-31
Filed: 2012-11-14
IRS object ID: 201223209349300747
Schema version: 2011v1.2
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2012-11-14T15:45:30-00:00	Timestamp
Tax Period End Date	2011-12-31	TaxPeriodEndDate

Preparer Firm PreparerFirm

Preparer Firm Business Name PreparerFirmBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ORTH CHAKLER MURNANE AND CO CPAs	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	12060 SW 129 COURT SUITE 201	AddressLine1
City	MIAMI	City
State	FL	State
ZIP Code	33186	ZIPCode

Field	Value	IRS element (for citing)
Return Type	990	ReturnType
Tax Period Begin Date	2011-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	741109927	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	COMMUNITY RESOURCE CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	COMM	NameControl
Phone	2814223611	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2900 DECKER DRIVE	AddressLine1
City	BAYTOWN	City
State	TX	State
ZIP Code	775202027	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	DEENA SMITH	Name
Title	CFO	Title
Date Signed	2012-11-14	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DOUGLAS ORTH	Name
Phone	3052328272	Phone
Date Prepared	2012-11-14	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2011	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	RUSSELL BALLARD	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	2900 DECKER DRIVE	AddressLine1
City	BAYTOWN	City
State	TX	State
ZIP Code	77520	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	19982496	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Group Exemption Number	2742	GroupExemptionNumber
Organization501c	X	Organization501c
Web Site	WWW.CRCU.ORG	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	CREDIT UNION	TypeOfOrgOtherDescription
Year Formation	1935	YearFormation
State Legal Domicile	TX	StateLegalDomicile
Activity Or Mission Description	TO HELP OUR MEMBERS ACHIEVE FINANCIAL WELL-BEING THROUGH A LIFETIME PARTNERSHIP BY PROVIDING EXCEPTIONAL SERVICE AND QUALITY PRODUCTS. WE ARE A FINANCIAL INSTITUTION THAT PROVIDES MEMBER SERVICE FOR LOANS AND SHARE ACCOUNTS.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	9	NbrIndependentVotingMembers
Total Nbr Employees	138	TotalNbrEmployees
Total Nbr Volunteers	9	TotalNbrVolunteers
Total Gross UBI	103486	TotalGrossUBI
Net Unrelated Business Txbl Income	61299	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	18167604	ProgramServiceRevenuePriorYear
Program Service Revenue CY	18663397	ProgramServiceRevenueCY
Investment Income Prior Year	3313055	InvestmentIncomePriorYear
Investment Income Current Year	1237341	InvestmentIncomeCurrentYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	21480659	TotalRevenuePriorYear
Total Revenue Current Year	19900738	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	5370875	SalariesEtcPriorYear
Salaries Etc Current Year	6532128	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	13207846	OtherExpensePriorYear
Other Expenses Current Year	11332448	OtherExpensesCurrentYear
Total Expenses Prior Year	18578721	TotalExpensesPriorYear
Total Expenses Current Year	17864576	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	2901938	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	2036162	RevenuesLessExpensesCY
Total Assets BOY	277712703	TotalAssetsBOY
Total Assets EOY	292266166	TotalAssetsEOY
Total Liabilities BOY	253840012	TotalLiabilitiesBOY
Total Liabilities EOY	265840059	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	23872691	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	26426107	NetAssetsOrFundBalancesEOY
Mission Description	TO HELP OUR MEMBERS ACHIEVE FINANCIAL WELL-BEING, THROUGH A LIFETIME PARTNERSHIP BY PROVIDING EXCEPTIONAL SERVICE AND QUALITY PRODUCTS.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	SHARE ACCOUNTS COMMUNITY RESOURCE CREDIT UNIONS SHARE ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. THE CREDIT UNION HAD 32,374 MEMBER-OWNER ACCOUNTS ON DECEMBER 31, 2011. MEMBER SAVINGS ACCOUNTS PAY DIVIDENDS MONTHLY AND OFFER ACCESS THROUGH THE BRANCH NETWORK, HOME BANKING VIA THE INTERNET OR TELEPHONE AND ATMs WORLDWIDE.	Description
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Donor Advised Funds	false	DonorAdvisedFunds
Conservation Easements	false	ConservationEasements
Collections Of Art	false	CollectionsOfArt
Credit Counseling	false	CreditCounseling
Term Or Permanent Endowments	false	TermOrPermanentEndowments
Report Land Bldg Equip	true	ReportLandBldgEquip
Report Invest Oth Securities	false	ReportInvestOthSecurities
Report Prog Rel Invest	false	ReportProgRelInvest
Report Other Assets	false	ReportOtherAssets
Report Other Liabilities	true	ReportOtherLiabilities
Report Fin48 Footnote	false	ReportFin48Footnote
Independent Audit Financial Stmt	true	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	false	ConsolidatedAuditFinancialStmt
School	false	School
Foreign Office	false	ForeignOffice
Foreign Activities	false	ForeignActivities
More Than5000 K To Organizations	false	MoreThan5000KToOrganizations
More Than5000 K To Individuals	false	MoreThan5000KToIndividuals
Professional Fundraising	false	ProfessionalFundraising
Fundraising Activities	false	FundraisingActivities
Gaming	false	Gaming
Hospital	false	Hospital
Grants To Organizations	false	GrantsToOrganizations
Grants To Individuals	false	GrantsToIndividuals
Schedule J Required	true	ScheduleJRequired
Tax Exempt Bonds	false	TaxExemptBonds
Loan To Officer Or DQP	false	LoanToOfficerOrDQP
Grant To Related Person	false	GrantToRelatedPerson
Bsnss Rltnshp With Organization	false	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	false	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	false	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	false	DeductibleNonCashContributions
Deductible Contributions Of Art	false	DeductibleContributionsOfArt
Terminated	false	Terminated
Partial Liquidation	false	PartialLiquidation
Disregarded Entity	false	DisregardedEntity
Related Entity	false	RelatedEntity
Related Org Controlled Entity	false	RelatedOrgControlledEntity
Transaction Related Entity	false	TransactionRelatedEntity
Transfers To Exempt Non Chrtbl Org	false	TransfersToExemptNonChrtblOrg
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	9895	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	138	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	true	UnrelatedBusinessIncome
Form990-T Filed	true	Form990-TFiled
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Non Deductible Contributions	false	NonDeductibleContributions
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	9	NbrVotingGoverningBodyMembers
Number Independent Voting Members	9	NumberIndependentVotingMembers
Family Or Business Relationship	false	FamilyOrBusinessRelationship
Delegation Of Management Duties	false	DelegationOfManagementDuties
Changes To Organizing Docs	false	ChangesToOrganizingDocs
Material Diversion Or Misuse	false	MaterialDiversionOrMisuse
Members Or Stockholders	true	MembersOrStockholders
Election Of Board Members	true	ElectionOfBoardMembers
Decisions Subject To Approval	false	DecisionsSubjectToApproval
Minutes Of Governing Body	true	MinutesOfGoverningBody
Minutes Of Committees	true	MinutesOfCommittees
Officer Mailing Address	false	OfficerMailingAddress
Local Chapters	false	LocalChapters
Form990 Provided To Governing Body	true	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	DEENA SMITH	NamePerson
Telephone Number	2814203718	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	2900 DECKER DRIVE	AddressLine1
City	BAYTOWN	City
State	TX	State
ZIP Code	775202027	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (20 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer	Highest Compensated EmployeeHighestCompensatedEmployee
D OSTERHUS
CHAIRMAN	001.00	X	0	0	0
R SANDERS
V. CHAIRMAN	001.00	X	0	0	0
W GRAY
TREASURER	001.00	X	0	0	0
C TILTON
BOARD MEMBER	001.00	X	0	0	0
J CAGLE-PAGE
BOARD MEMBER	001.00	X	0	0	0
T MASTERS
BOARD MEMBER	001.00	X	0	0	0
T COUGLEN
BOARD MEMBER	001.00	X	0	0	0
PR DAWSON
BOARD MEMBER	001.00	X	0	0	0
R DEHOYOS
BOARD MEMBER	001.00	X	0	0	0
D FRAZIER
CEO/PRESIDENT	040.00		205000	0	6355	X
H BATES
EXECUTIVE VP	040.00		106501	0	3513	X
R BALLARD
EXECUTIVE VP	040.00		123576	0	8250	X
M MATNEY
CFO	040.00		23990	0	1987	X
D SMITH
CFO	040.00		36410	0	68	X
K CARMON
COO	040.00		97965	0	741	X
M GLASSCO
SR. SYSTEMS ENGINEER	040.00		143935	0	4397		X
R HEAD
SR. VP FINANCIAL ADVISOR	040.00		135035	0	8961		X
T HUDSON
VP INFORMATION TECHNOLOGY	040.00		119561	0	6925		X
R ANDERSON
SR. VP BUSINESS SERVICES	040.00		113798	0	788		X
S MCKINZIE
SR. VP PROJECT DEVELOPMENT	040.00		100351	0	5712		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	1206122	TotalReportableCompFromOrg
Total Other Compensation	47697	TotalOtherCompensation
Number Individuals GT100 K	8	NumberIndividualsGT100K
Formers Listed	false	FormersListed
Total Comp GT150 K	true	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (5 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
MIAMI COMPUTER PRODUCTS & CONSULTING
PO BOX 643283	PITSSBURGH	PA	15264	COMPUTER EQUIPMENT	440961
JACK HENRY & ASSOCIATES INC
PO BOX 609	MONETT	MO	65708	CUS CORE SYSTEM	440138
DIGITAL INSIGHT CORPORATION
PO BOX 515306	LOS ANGELES	CA	90051	HOME BANKING	370029
FISERV
75 REMITTANCE DRIVE STE 6974	CHICAGO	IL	60675	ATMDEBIT CARD PROCESSOR	233042
LANVERA
13755 HUTTON DRIVE STE 100	FARMERS BRANCH	TX	75234	MEMBER STATEMENS	217223

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	10	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (3 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
INTEREST ON LOANS	522100	11766417	11766417
FEES/OTHER CHARGES	522100	6793494	6793494
UNRELATED BUSINESS INCOME TAX	900099	103486		103486

Field	Value	IRS element (for citing)
Total Program Service Revenue	18663397	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	1189010	TotalRevenueColumn
Related Or Exempt Function Income	1189010	RelatedOrExemptFunctionIncome

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Other	130089	Other

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Other	81758	Other

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Other	48331	Other

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	48331	TotalRevenueColumn
Related Or Exempt Function Income	48331	RelatedOrExemptFunctionIncome

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	19900738	TotalRevenueColumn
Related Or Exempt Function Income	19797252	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	103486	UnrelatedBusinessRevenue

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	0	Total

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	614356	Total
Program Services	614356	ProgramServices

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	0	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	4930556	Total
Program Services	4930556	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	89114	Total
Program Services	89114	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	488303	Total
Program Services	488303	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	409799	Total
Program Services	409799	ProgramServices

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	-29929	Total
Program Services	-29929	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	32039	Total
Program Services	32039	ProgramServices

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total

Field	Value	IRS element (for citing)
Fees For Services Prof Fundraising		FeesForServicesProfFundraising

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	1129468	Total
Program Services	1129468	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	498782	Total
Program Services	498782	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	726333	Total
Program Services	726333	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	70765	Total
Program Services	70765	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	577767	Total
Program Services	577767	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	73555	Total
Program Services	73555	ProgramServices

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	137226	Total
Program Services	137226	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	2465105	Total
Program Services	2465105	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	44781	Total
Program Services	44781	ProgramServices

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	976349	Total
Program Services	976349	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	128145	Total
Program Services	128145	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	SEE ATTACHED SCHEDULE	Description
Total	4502062	Total
Program Services	4502062	ProgramServices

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	0	Total

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	17864576	Total
Program Services	17864576	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	19727786	BOY
EOY	26321045	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	2574000	BOY
EOY	2136000	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	1524619	BOY
EOY	1419353	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	164101714	BOY
EOY	174591611	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	6525840	BOY
EOY	6781283	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	24133233	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	11442581	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	12910182	BOY
EOY	12690652	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	64536002	BOY
EOY	62728132	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	390700	BOY
EOY	391900	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	5421860	BOY
EOY	5206190	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	277712703	BOY
EOY	292266166	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	1366962	BOY
EOY	775102	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	252473050	BOY
EOY	265064957	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	253840012	BOY
EOY	265840059	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	23872691	BOY
EOY	26426107	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	23872691	BOY
EOY	26426107	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	277712703	BOY
EOY	292266166	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	2036162	ReconcilationRevenueExpenses
Reconcilation Other Changes	517254	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Separate	X	FinancialStatementSeparate
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Included On FS	false	IncludedOnFS

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	2769387	OtherCostOrOtherBasis
Book Value	2769387	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	11365209	OtherCostOrOtherBasis
Depreciation	3259452	Depreciation
Book Value	8105757	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	9998637	OtherCostOrOtherBasis
Depreciation	8183129	Depreciation
Book Value	1815508	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	12690652	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (6 entries)

DescriptionDescription	AmountAmount
REGULAR SHARES	$77,961,367
MONEY MARKET SHARES	$13,839,864
SHARE DRAFT	$86,783,858
IRA SHARES	$12,068,683
IRA CD SHARES	$13,915,364
CERTIFICATES OF DEPOSIT	$60,495,821

Field	Value	IRS element (for citing)
Total Of Amounts	265064957	TotalOfAmounts
Total Revenue	19900738	TotalRevenue
Total Expenses	17864576	TotalExpenses
Excess Or Deficit For Year	2036162	ExcessOrDeficitForYear
Net Unrealized GL On Investments	517254	NetUnrealizedGLOnInvestments
Total Adjustments	517254	TotalAdjustments
Excess Or Deficit Per FS	2553416	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	19900738	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	19900738	RevenueSubtotal
Total Revenue Per Form990	19900738	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	17864576	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	17864576	ExpensesSubtotal
Total Expenses Per Form990	17864576	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV

Field	Value	IRS element (for citing)
Identifier	X	Identifier
Return Reference	2	ReturnReference
Explanation	A FIN 48 DISCLOSURE WAS NOT INCLUDED IN THE AUDITED FINANCIAL STATEMENTS.	Explanation

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	X	CompensationCommittee
Severance Payment	false	SeverancePayment
Supplemental Nonqual Retire Plan	false	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	false	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII

Field	Value	IRS element (for citing)
Name Person	D FRAZIER	NamePerson
Base Compensation Filing Org	190000	BaseCompensationFilingOrg
Bonus Filing Org	15000	BonusFilingOrg
Nontaxable Benefits Filing Org	6355	NontaxableBenefitsFilingOrg
Total Compensation Filing Org	211355	TotalCompensationFilingOrg

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (8 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990 Part VI	6	COMMUNITY RESOURCE CREDIT UNION IS A STATE CHARTERED CREDIT UNION WITH MEMBERS.
Form 990 Part VI	7A	BOARD OF DIRECTORS IS THE GOVERNING BODY AND IS ELECTED ANNUALLY BY THE COMMUNITY RESOURCE CREDIT UNION MEMBERS.
Form 990 Part VI	11A	THE FORM 990 IS REVIEWED BY THE CEO AND THE CFO, WHO IS A CERTIFIED PUBLIC ACCOUNTANT. A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD OF DIRECTORS.
Form 990 Part VI	12	WHEN EMPLOYEES ARE HIRED, THEY MUST ACKNOWLEDGE THEY HAVE READ EMPLOYEE POLICIES. THEY MUST SIGN AGAIN IF ANY CHANGES ARE MADE TO THE POLICIES. COMMUNITY RESOURCE CREDIT UNION OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE DIRECTED TO DISCLOSE TO THEIR DEPARTMENT HEAD AND THE HUMAN RESOURCES DEPARTMENT IF ANOTHER INTEREST COULD GIVE RISE TO CONFLICTS IN REGARDS TO OUR CONFLICT OF INTEREST POLICY.
Form 990 Part VI	15	CEO AND EXECUTIVE SALARIES ARE APPROVED BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS.
Form 990 Part VI	19	OUR CONFLICT OF INTEREST POLICY IS CONTAINED THE EMPLOYEE HANDBOOK. THE CONFLICT OF INTEREST POLICY AND GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. OUR FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY OF EACH OF OUR BRANCHES.
Form 990 Part XI	5	CHANGE IN OTHER COMPREHENSIVE INCOME IN THE AMOUNT OF 517,254.
		Form 990 Part VI Section A Line 6 COMMUNITY RESOURCE CREDIT UNION IS A STATE CHARTERED CREDIT UNION WITH MEMBERS. Form 990 Part VI Section A Line 7A BOARD OF DIRECTORS IS THE GOVERNING BODY AND IS ELECTED ANNUALLY BY THE COMMUNITY RESOURCE CREDIT UNION MEMBERS. Form 990 Part VI Section B Line 11A THE FORM 990 IS REVIEWED BY THE CEO AND THE CFO, WHO IS A CERTIFIED PUBLIC ACCOUNTANT. A COPY OF THE FORM 990 IS PROVIDED TO THE BOARD OF DIRECTORS. Form 990 Part VI Section B Line 12 WHEN EMPLOYEES ARE HIRED, THEY MUST ACKNOWLEDGE THEY HAVE READ EMPLOYEE POLICIES. THEY MUST SIGN AGAIN IF ANY CHANGES ARE MADE TO THE POLICIES. COMMUNITY RESOURCE CREDIT UNION OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE DIRECTED TO DISCLOSE TO THEIR DEPARTMENT HEAD AND THE HUMAN RESOURCES DEPARTMENT IF ANOTHER INTEREST COULD GIVE RISE TO CONFLICTS IN REGARDS TO OUR CONFLICT OF INTEREST POLICY. Form 990 Part VI Section B Line 15 CEO AND EXECUTIVE SALARIES ARE APPROVED BY THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS. Form 990 Part VI Section C Line 19 OUR CONFLICT OF INTEREST POLICY IS CONTAINED THE EMPLOYEE HANDBOOK. THE CONFLICT OF INTEREST POLICY AND GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. OUR FINANCIAL STATEMENTS ARE DISPLAYED IN THE LOBBY OF EACH OF OUR BRANCHES. Form 990 Part XI Line 5 CHANGE IN OTHER COMPREHENSIVE INCOME IN THE AMOUNT OF 517,254.