ARIZONA CENTRAL CREDIT UNION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: ARIZONA CENTRAL CREDIT UNION (EIN 86-0098350)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-08-09
IRS object ID: 201102219349300100
Schema version: 2010v3.4
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	2011-08-09T00:46:34-00:00	Timestamp
Tax Period End Date	2010-12-31	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	2010-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	860098350	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	ARIZONA CENTRAL CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	ARIZ	NameControl
Phone	6022646421	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2020 N CENTRAL AVENUE Room No 1200	AddressLine1
City	PHOENX	City
State	AZ	State
ZIP Code	85004	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	TODD PEARSON	Name
Title	CEO	Title
Phone	6022646421	Phone
Date Signed	2011-08-08	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	DOUGLAS ORTH	Name
Phone	3052328272	Phone

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Name Of Principal Officer Business NameOfPrincipalOfficerBusiness

Field	Value	IRS element (for citing)
Business Name Line1	MICHAEL A NEILL	BusinessNameLine1

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	2020 N CENTRAL AVENUE	AddressLine1
City	PHOENIX	City
State	AZ	State
ZIP Code	85004	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	51490420	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Group Exemption Number	2111	GroupExemptionNumber
Organization501c	X	Organization501c
Web Site	WWW.AZCENTRALCU.ORG	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	CREDIT UNION	TypeOfOrgOtherDescription
Year Formation	1939	YearFormation
State Legal Domicile	AZ	StateLegalDomicile
Activity Or Mission Description	CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES. CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	7	NbrIndependentVotingMembers
Total Nbr Employees	230	TotalNbrEmployees
Total Nbr Volunteers	9	TotalNbrVolunteers
Total Gross UBI	76281	TotalGrossUBI
Net Unrelated Business Txbl Income	-86534	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	24767077	ProgramServiceRevenuePriorYear
Program Service Revenue CY	22119230	ProgramServiceRevenueCY
Investment Income Prior Year	681612	InvestmentIncomePriorYear
Investment Income Current Year	2732257	InvestmentIncomeCurrentYear
Other Revenue Prior Year	5675645	OtherRevenuePriorYear
Other Revenue Current Year	6082866	OtherRevenueCurrentYear
Total Revenue Prior Year	31124334	TotalRevenuePriorYear
Total Revenue Current Year	30934353	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	9802130	SalariesEtcPriorYear
Salaries Etc Current Year	8554001	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	32449835	OtherExpensePriorYear
Other Expenses Current Year	22086060	OtherExpensesCurrentYear
Total Expenses Prior Year	42251965	TotalExpensesPriorYear
Total Expenses Current Year	30640061	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	-11127631	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	294292	RevenuesLessExpensesCY
Total Assets BOY	406891782	TotalAssetsBOY
Total Assets EOY	404671302	TotalAssetsEOY
Total Liabilities BOY	378677080	TotalLiabilitiesBOY
Total Liabilities EOY	375645281	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	28214702	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	29026021	NetAssetsOrFundBalancesEOY
Mission Description	CREDIT UNION OPERATED WITHOUT PROFIT FOR MUTUAL PURPOSES.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	THE CREDIT UNION PROVIDES DRAFT AND SHARE ACCOUNTS, CONSUMER LOANS, SHARE CERTIFICATES AND OTHER EXEMPT FUNCTION ACTIVITIES TO ITS MEMBERS.	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
Activities Conducted Partnership	false	ActivitiesConductedPartnership
Schedule O Required	true	ScheduleORequired
Number Forms Transmitted With1096	11686	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Number Of Employees	230	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	7	NbrVotingGoverningBodyMembers
Number Independent Voting Members	7	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	true	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	false	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	JOHN D WRIGHT	NamePerson
Telephone Number	6025238253	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	2020 N CENTRAL AVENUE SUITE 1200	AddressLine1
City	PHOENIX	City
State	AZ	State
ZIP Code	85004	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (10 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
R WOLPERT
BOD CHAIRMAN	001.00	X	0	0	0
B RACZYNSKI
BOD V.CHAIRMAN	001.00	X	0	0	0
L PFEIFFER
TREASURER	001.00	X	0	0	0
K SHANAHAN
SECRETARY	001.00	X	0	0	0
J RIDDLE
BOD MEMBER	001.00	X	0	0	0
T DWYER
BOD MEMBER	001.00	X	0	0	0
M DIAMOND
BOD MEMBER	001.00	X	0	0	0
T PEARSON
CEO	040.00		229521	0	18194	X
A JONES
CIO	040.00		124017	0	25106	X
J WRIGHT
CFO	040.00		129602	0	5331	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	483140	TotalReportableCompFromOrg
Total Other Compensation	48631	TotalOtherCompensation
Number Individuals GT100 K	3	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
UNITED HEALTHCARE INSURANCE COMPANY
22561 NETWORK PLACE	CHICAGO	IL	60673	HEALTH INSURANCE	838804
DIGITAL INSIGHT
PO BOX 515306	LOS ANGELES	CA	90051	SYSTEMS SUPPORT	570224
QWEST BUSINESS SERVICES
PO BOX 52187	PHOENIX	AZ	85072	TELEPHONE SERVICE	259241
XP SYSTEMS
75 REMITTANCE DRIVE SUITE 6963	CHICAGO	IL	60675	SYSTEMS SUPPORT	259692
GUST ROSENFELD PLC
ONE WEST WASHINGTON ST SUITE 1600	PHOENIX	AZ	85004	ATTORNEY	170540

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	13	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	17407685	17407685
FEES SERVICE CHARGES	522100	4635264	4635264
UNRELATED BUSINESS INCOME	900099	76281		76281

Field	Value	IRS element (for citing)
Total Program Service Revenue	22119230	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	2079488	TotalRevenueColumn
Related Or Exempt Function Income	2079488	RelatedOrExemptFunctionIncome

Gross Rents GrossRents

Field	Value	IRS element (for citing)
Real	2726221	Real

Rental Income Or Loss RentalIncomeOrLoss

Field	Value	IRS element (for citing)
Real	2726221	Real

Net Rental Income Or Loss NetRentalIncomeOrLoss

Field	Value	IRS element (for citing)
Total Revenue Column	2726221	TotalRevenueColumn
Related Or Exempt Function Income	2726221	RelatedOrExemptFunctionIncome

Gross Amount Sales Assets GrossAmountSalesAssets

Field	Value	IRS element (for citing)
Securities	21208836	Securities

Less Cost Oth Basis Sales Expenses LessCostOthBasisSalesExpenses

Field	Value	IRS element (for citing)
Securities	20556067	Securities

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	652769	Securities

Net Gain Or Loss Investments NetGainOrLossInvestments

Field	Value	IRS element (for citing)
Total Revenue Column	652769	TotalRevenueColumn
Related Or Exempt Function Income	652769	RelatedOrExemptFunctionIncome

Other Revenue Misc OtherRevenueMisc

Field	Value	IRS element (for citing)
Description	MISCELLANEOUS INCOME	Description
Business Code	522100	BusinessCode
Total Revenue Column	3356645	TotalRevenueColumn
Related Or Exempt Function Income	3356645	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Other Revenue	3356645	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	30934353	TotalRevenueColumn
Related Or Exempt Function Income	30858072	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	76281	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	531771	Total
Program Services	531771	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	6325562	Total
Program Services	6325562	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	156540	Total
Program Services	156540	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	1036088	Total
Program Services	1036088	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	504040	Total
Program Services	504040	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	181929	Total
Program Services	181929	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	92479	Total
Program Services	92479	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	380498	Total
Program Services	380498	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	764815	Total
Program Services	764815	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	3030638	Total
Program Services	3030638	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	537214	Total
Program Services	537214	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	2163180	Total
Program Services	2163180	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	26267	Total
Program Services	26267	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	25537	Total
Program Services	25537	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	2722021	Total
Program Services	2722021	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	2292202	Total
Program Services	2292202	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	199317	Total
Program Services	199317	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	SEE SCHEDULE ATTACHED	Description
Total	9669963	Total
Program Services	9669963	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	30640061	Total
Program Services	30640061	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	5543002	BOY
EOY	4867865	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	67435515	BOY
EOY	105631625	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	1527089	BOY
EOY	1119942	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	252276490	BOY
EOY	217505456	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	1048276	BOY
EOY	998132	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	45456623	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	15601941	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	31719688	BOY
EOY	29854682	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	42497331	BOY
EOY	39087734	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	4844391	BOY
EOY	5605866	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	406891782	BOY
EOY	404671302	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	2510266	BOY
EOY	3758751	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	376166814	BOY
EOY	371886530	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	378677080	BOY
EOY	375645281	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	28214702	BOY
EOY	29026021	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	28214702	BOY
EOY	29026021	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	406891782	BOY
EOY	404671302	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	294292	ReconcilationRevenueExpenses
Reconcilation Other Changes	517027	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	6208591	OtherCostOrOtherBasis
Book Value	6208591	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	29121692	OtherCostOrOtherBasis
Depreciation	6983218	Depreciation
Book Value	22138474	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	520505	OtherCostOrOtherBasis
Depreciation	367690	Depreciation
Book Value	152815	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	9605835	OtherCostOrOtherBasis
Depreciation	8251033	Depreciation
Book Value	1354802	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	29854682	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (6 entries)

DescriptionDescription	AmountAmount
SHARE DRAFTS	$50,298,128
SHARES	$89,150,026
MONEY MARKET	$115,230,543
IRA SHARES	$10,778,978
BUSINESS	$10,307,755
SHARE AND IRA CERTIFICATES	$96,121,100

Field	Value	IRS element (for citing)
Total Of Amounts	371886530	TotalOfAmounts
Total Revenue	30934353	TotalRevenue
Total Expenses	30640061	TotalExpenses
Excess Or Deficit For Year	294292	ExcessOrDeficitForYear
Net Unrealized GL On Investments	596554	NetUnrealizedGLOnInvestments
Other	-$79,527	OtherAmount
Total Adjustments	517027	TotalAdjustments
Excess Or Deficit Per FS	811319	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	30932946	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	30932946	RevenueSubtotal
Other Revenues Not Included	1407	OtherRevenuesNotIncluded
Revenue Not Rptd On Fin Stmt	1407	RevenueNotRptdOnFinStmt
Total Revenue Per Form990	30934353	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	30638654	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	30638654	ExpensesSubtotal
Other Expenses Not Included	1407	OtherExpensesNotIncluded
Expenses Not Rptd On Fin Stmt	1407	ExpensesNotRptdOnFinStmt
Total Expenses Per Form990	30640061	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (4 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
X	2	FIN 48 IS NOT APPLICABLE.
XII	4B	MISCELLENOUS INVESTMENT EXPENSES NETTED AGAINST THE GAIN ON SALE OF INVESTMENTS.
XIII	4B	MISCELLENOUS INVESTMENT EXPENSES NETTED AGAINST THE GAIN ON SALE OF INVESTMENTS.
XI	8	NET PENSION GAINS OF 571,835 LESS RECLASSIFICATION ADJUSTMENT FOR NET GAINS INCLUDED IN NET INCOME 651,362 79,527

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
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	T PEARSON	NamePerson
Base Compensation Filing Org	229521	BaseCompensationFilingOrg
Nontaxable Benefits Filing Org	18194	NontaxableBenefitsFilingOrg
Total Compensation Filing Org	247715	TotalCompensationFilingOrg

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (8 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990 Part VI	6	THE ORGANIZATION HAS MEMBERS.
Form 990 Part VI	7A	MEMBERS VOTE FOR THE BOARD OF DIRECTORS AT THE ANNUAL MEETING.
Form 990 Part VI	11	THE FORM 990 IS REVIEWED BY THE CFO.
Form 990 Part VI	12C	VOLUNTEERS MUST DISCLOSE TO THE BOARD OF DIRECTORS ANNUALLY ANY INVOLVEMENT WITH ORGANIZATIONS WHICH DO BUSINESS WITH THE CREDIT UNION.
Form 990 Part VI	15	THE COMPENSATION COMMITTEE GATHERS DATA FROM OUTSIDE SOURCES AND REVIEWS SURVEY AND OTHER DATA.
Form 990 Part VI	19	AVAILABLE UPON REQUEST.
Form 990 Part VI	7B	THE CREDIT UNIONS FIELD OF MEMBERSHIP VOTED TO ELECT MATTHEW SMITH TO THE BOARD OF DIRECTORS.
Form 990 Part XI	5	596,554 UNREALIZED GAINS ON INVESTMENTS CLASSIFIED AS AVAILABLE FOR SALE. 571,835 NET PENSION GAINS. 651,362 RECLASSIFICATION ADJUSTMENT FOR NET GAINS INCLUDED IN NET INCOME.