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        <EOY>6184690</EOY>
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      <PledgesAndGrantsReceivable>
        <EOY>0</EOY>
      </PledgesAndGrantsReceivable>
      <AccountsReceivable>
        <EOY>0</EOY>
      </AccountsReceivable>
      <ReceivablesFromOfficersEtc>
        <BOY>139513</BOY>
        <EOY>134611</EOY>
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      <ReceivablesFromDisqualPersons>
        <EOY>0</EOY>
      </ReceivablesFromDisqualPersons>
      <OtherNotesLoansReceivableNet>
        <BOY>4122474</BOY>
        <EOY>3686419</EOY>
      </OtherNotesLoansReceivableNet>
      <InventoriesForSaleOrUse>
        <EOY>0</EOY>
      </InventoriesForSaleOrUse>
      <PrepaidExpensesDeferredCharges>
        <BOY>27089</BOY>
        <EOY>27070</EOY>
      </PrepaidExpensesDeferredCharges>
      <LandBuildingsEquipmentBasis>247979</LandBuildingsEquipmentBasis>
      <LandBldgEquipmentAccumDeprec>241666</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
        <BOY>9035</BOY>
        <EOY>6313</EOY>
      </LandBuildingsEquipmentBasisNet>
      <InvestmentsPubTradedSecurities>
        <EOY>0</EOY>
      </InvestmentsPubTradedSecurities>
      <InvestmentsOtherSecurities>
        <EOY>0</EOY>
      </InvestmentsOtherSecurities>
      <InvestmentsProgramRelated>
        <EOY>0</EOY>
      </InvestmentsProgramRelated>
      <IntangibleAssets>
        <EOY>0</EOY>
      </IntangibleAssets>
      <OtherAssetsTotal>
        <BOY>116387</BOY>
        <EOY>110486</EOY>
      </OtherAssetsTotal>
      <TotalAssets>
        <BOY>10890110</BOY>
        <EOY>10315223</EOY>
      </TotalAssets>
      <AccountsPayableAccruedExpenses>
        <BOY>22660</BOY>
        <EOY>17383</EOY>
      </AccountsPayableAccruedExpenses>
      <OtherLiabilities>
        <BOY>9887178</BOY>
        <EOY>9431536</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>9909838</BOY>
        <EOY>9448919</EOY>
      </TotalLiabilities>
      <DoNotFollowSFAS117>X</DoNotFollowSFAS117>
      <RetainedEarningsEndowmentEtc>
        <BOY>980272</BOY>
        <EOY>866304</EOY>
      </RetainedEarningsEndowmentEtc>
      <TotalNetAssetsFundBalances>
        <BOY>980272</BOY>
        <EOY>866304</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>10890110</BOY>
        <EOY>10315223</EOY>
      </TotalLiabNetAssetsFundBalances>
      <ReconcilationRevenueExpenses>-113968</ReconcilationRevenueExpenses>
      <MethodOfAccountingAccrual>X</MethodOfAccountingAccrual>
      <AccountantCompileOrReview>false</AccountantCompileOrReview>
      <FSAudited>false</FSAudited>
      <AuditCommittee>false</AuditCommittee>
      <FederalGrantAuditRequired>false</FederalGrantAuditRequired>
      <FederalGrantAuditPerformed>false</FederalGrantAuditPerformed>
    </IRS990>
    <IRS990ScheduleD documentId="IRS990ScheduleD" softwareId="11000144" softwareVersion="2011v1.2">
      <LeaseholdImprovements>
        <OtherCostOrOtherBasis>43293</OtherCostOrOtherBasis>
        <Depreciation>41483</Depreciation>
        <BookValue>1810</BookValue>
      </LeaseholdImprovements>
      <OtherLandBuildings>
        <OtherCostOrOtherBasis>204686</OtherCostOrOtherBasis>
        <Depreciation>200183</Depreciation>
        <BookValue>4503</BookValue>
      </OtherLandBuildings>
      <TotalOfBookValueLandBuildings>6313</TotalOfBookValueLandBuildings>
      <OtherLiabilities>
        <Description>MEMBER DEPOSITS/SUSPENSE ACCOUNTS</Description>
        <Amount>9431536</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>9431536</TotalOfAmounts>
    </IRS990ScheduleD>
    <IRS990ScheduleL documentId="IRS990ScheduleL" softwareId="11000144" softwareVersion="2011v1.2">
      <LoanTable>
        <NamePerson>OLIVER SANSOUCIE</NamePerson>
        <PurposeOfLoan>PERSONAL LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>2000</OriginalPrincipalAmount>
        <BalanceDue>1838</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>OLIVER SANSOUCIE</NamePerson>
        <PurposeOfLoan>LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>12239</OriginalPrincipalAmount>
        <BalanceDue>9095</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>MICHAEL PREVITI</NamePerson>
        <PurposeOfLoan>MORTGAGE</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>56000</OriginalPrincipalAmount>
        <BalanceDue>7709</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>BRENT MORRIS</NamePerson>
        <PurposeOfLoan>HOME EQUITY</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>45000</OriginalPrincipalAmount>
        <BalanceDue>30923</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>MICHAEL PREVITI</NamePerson>
        <PurposeOfLoan>HOME EQUITY</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>50000</OriginalPrincipalAmount>
        <BalanceDue>19982</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>PATRICIA LUZ</NamePerson>
        <PurposeOfLoan>LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>2000</OriginalPrincipalAmount>
        <BalanceDue>1931</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>PATRICIA LUZ</NamePerson>
        <PurposeOfLoan>AUTO LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>23050</OriginalPrincipalAmount>
        <BalanceDue>22450</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>PATRICIA LUZ</NamePerson>
        <PurposeOfLoan>LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>10000</OriginalPrincipalAmount>
        <BalanceDue>7699</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <PurposeOfLoan>LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>5000</OriginalPrincipalAmount>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>ERIC COHEN</NamePerson>
        <PurposeOfLoan>AUTO LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>22675</OriginalPrincipalAmount>
        <BalanceDue>8270</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <PurposeOfLoan>PERSONAL LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>10000</OriginalPrincipalAmount>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>THOMAS CROWLEY</NamePerson>
        <PurposeOfLoan>HOME EQUITY</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>40000</OriginalPrincipalAmount>
        <BalanceDue>5042</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <LoanTable>
        <NamePerson>PAUL CHUTE</NamePerson>
        <PurposeOfLoan>LOAN</PurposeOfLoan>
        <LoanFromOrganization>X</LoanFromOrganization>
        <OriginalPrincipalAmount>22000</OriginalPrincipalAmount>
        <BalanceDue>19672</BalanceDue>
        <Default>false</Default>
        <ApprovedByBoard>true</ApprovedByBoard>
        <WrittenAgreement>true</WrittenAgreement>
      </LoanTable>
      <TotalBalanceDue>134611</TotalBalanceDue>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="IRS990ScheduleO" softwareId="11000144" softwareVersion="2011v1.2">
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 19</Identifier>
        <ReturnReference>Form 990, Part VI, Line 19: Other Organization Documents Publicly Available</ReturnReference>
        <Explanation>Information is posted in credit union lobby and available upon request.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 15b</Identifier>
        <ReturnReference>Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees</ReturnReference>
        <Explanation>ALL INCREASES TO COMPENSATION ARE APPROVED BY THE BOARD OF DIRECTORS.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 11</Identifier>
        <ReturnReference>Form 990, Part VI, Line 11: Form 990 Review Process</ReturnReference>
        <Explanation>THE AUDIT COMMITTEE REVIEWS AND PRSENTS FINDINGS TO THE BOARD. THE BOARD REVIEW MAY BE SUBSEQUENT TO FILING DUE TO THE TIMING OF COMPLETING THE FORM AND THE FILING DUE DATE.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>Form 990, Part VI, Line 6</Identifier>
        <ReturnReference>Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder</ReturnReference>
        <Explanation>Persons who meet the requirements of the organization's field of membership who hold at least one share of the capital.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>