LEHIGH VALLEY EDUCATORS CREDIT UNION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: LEHIGH VALLEY EDUCATORS CREDIT UNION (EIN 23-0338105)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-11-11
IRS object ID: 201103159349303365
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 O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-11-11T13:49:57-06:00	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	PADDEN GUERRINI & ASSOCIATESPC	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	3425 SIMPSON FERRY ROAD	AddressLine1
City	CAMP HILL	City
State	PA	State
ZIP Code	17011	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	230338105	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	LEHIGH VALLEY EDUCATORS	BusinessNameLine1
Business Name Line2	CREDIT UNION	BusinessNameLine2

Field	Value	IRS element (for citing)
Name Control	LEHI	NameControl
Phone	6108200145	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3720 HAMILTON BLVD	AddressLine1
City	ALLENTOWN	City
State	PA	State
ZIP Code	18103	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	ROSEMARIE E KRANTZ	Name
Title	CEO	Title
Phone	6108200145	Phone
Date Signed	2011-11-11	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	FREDERICK A TABOR CPA	Name
Phone	7177631644	Phone
Date Prepared	2011-11-11	DatePrepared

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-03-07 17:11:31Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Address Change	X	AddressChange
Name Of Principal Officer Person	ROSEMARIE E KRANTZ	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	3720 HAMILTON BLVD	AddressLine1
City	ALLENTOWN	City
State	PA	State
ZIP Code	18103	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	10085232	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	WWW.LVECU.ORG	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1934	YearFormation
State Legal Domicile	PA	StateLegalDomicile
Activity Or Mission Description	THE LEHIGH VALLEY EDUCATORS CREDIT UNION, A NOT FOR PROFIT FINANCIAL SERVICE ORGANIZATION, PROVIDES QUALITY FINANCIAL SERVICES OF EXCEPTIONAL VALUE TO EACH MEMBER WHILE MAINTAINING A SOUND BUSINESS STRUCTURE.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	9	NbrIndependentVotingMembers
Total Nbr Employees	32	TotalNbrEmployees
Total Gross UBI	4364	TotalGrossUBI
Net Unrelated Business Txbl Income	-88	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	5566399	ProgramServiceRevenuePriorYear
Program Service Revenue CY	5653730	ProgramServiceRevenueCY
Investment Income Prior Year	5606960	InvestmentIncomePriorYear
Investment Income Current Year	4425329	InvestmentIncomeCurrentYear
Other Revenue Prior Year	1221803	OtherRevenuePriorYear
Other Revenue Current Year	6173	OtherRevenueCurrentYear
Total Revenue Prior Year	12395162	TotalRevenuePriorYear
Total Revenue Current Year	10085232	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	1614078	SalariesEtcPriorYear
Salaries Etc Current Year	1580517	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	9120359	OtherExpensePriorYear
Other Expenses Current Year	6325583	OtherExpensesCurrentYear
Total Expenses Prior Year	10734437	TotalExpensesPriorYear
Total Expenses Current Year	7906100	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	1660725	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	2179132	RevenuesLessExpensesCY
Total Assets BOY	247506237	TotalAssetsBOY
Total Assets EOY	263273587	TotalAssetsEOY
Total Liabilities BOY	208896493	TotalLiabilitiesBOY
Total Liabilities EOY	222329772	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	38609744	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	40943815	NetAssetsOrFundBalancesEOY
Mission Description	THE LEHIGH VALLEY EDUCATORS CREDIT UNION, A NOT FOR PROFIT FINANCIAL SERVICE ORGANIZATION, PROVIDES QUALITY FINANCIAL SERVICES OF EXCEPTIONAL VALUE TO EACH MEMBER WHILE MAINTAINING A SOUND BUSINESS STRUCTURE.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	PROVIDE 8,761 LOANS TO 15,889 MEMBERS.	Description

Activity2 Activity2

Field	Value	IRS element (for citing)
Description	PROVIDE FINANCIAL SERVICES TO 15,889 MEMBERS.	Description

Field	Value	IRS element (for citing)
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	false	PoliticalActivities
Subject To Proxy Tax	false	SubjectToProxyTax
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	true	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	false	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	10200	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	32	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	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	false	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	false	RegularMonitoringEnforcement
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	false	CompensationProcessCEO
Compensation Process Other	false	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	RONALD W HOUCK	NamePerson
Telephone Number	6108200145	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	3720 HAMILTON BLVD	AddressLine1
City	ALLENTOWN	City
State	PA	State
ZIP Code	18103	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (11 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer
ROBERT BOLD
BOARD CHAIR	1.00	X	1000	0	0
EUGENIA EMERT
SECRETARY/TR	1.00	X	550	0	0
WILLIAM AYERS
VICE CHAIR	1.00	X	550	0	0
GARY PHILLIPS
DIRECTOR	1.00	X	500	0	0
CARMEN RIOLA
DIRECTOR	1.00	X	500	0	0
DANIEL JOSEPH
DIRECTOR	1.00	X	500	0	0
ROBERT MAZA
DIRECTOR	1.00	X	500	0	0
DANIEL WEAVER
DIRECTOR	1.00	X	500	0	0
GARY FEDORCHA
DIRECTOR	1.00	X	500	0	0
ROSEMARIE E KRANTZ
CEO	40.00		88856	0	39419	X
RONALD W HOUCK
CFO	40.00		80794	0	33883	X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	174750	TotalReportableCompFromOrg
Total Other Compensation	73302	TotalOtherCompensation
Formers Listed	false	FormersListed
Total Comp GT150 K	false	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Contractor Compensation ContractorCompensation (2 entries)

Address Line1AddressOfContractor/AddressUS/AddressLine1	CityAddressOfContractor/AddressUS/City	StateAddressOfContractor/AddressUS/State	ZIP CodeAddressOfContractor/AddressUS/ZIPCode	Description Of ServicesDescriptionOfServices	CompensationCompensation
FISERV
255 FISERV DRIVE	BROOKFIELD	WI	53008	DATA PROCESSING	354628
FIDELITY NATIONAL INFORMATION SYSTEM
601 RIVERSIDE AVE	JACKSONVILLE	FL	32204	PYMT PROCESSING	203492

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	2	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (4 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	Unrelated Business RevenueUnrelatedBusinessRevenue
LOAN INTEREST INCOME	522291	4715593	4715593
PLASTIC CARD INCOME	522100	736941	736941
FEE INCOME	522100	196832	196832
NON-MEMBER ATM FEES	525990	4364		4364

Field	Value	IRS element (for citing)
Total Program Service Revenue	5653730	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	4425329	TotalRevenueColumn
Exclusion	$4,425,329	ExclusionAmount

Other Revenue Misc OtherRevenueMisc

Field	Value	IRS element (for citing)
Description	MISCELLANEOUS INCOME	Description
Business Code	522100	BusinessCode
Total Revenue Column	6173	TotalRevenueColumn
Related Or Exempt Function Income	6173	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Other Revenue	6173	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	10085232	TotalRevenueColumn
Related Or Exempt Function Income	5655539	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	4364	UnrelatedBusinessRevenue
Exclusion	$4,425,329	ExclusionAmount

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	248052	Total

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	827695	Total

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	161274	Total

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	252480	Total

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	91016	Total

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	51727	Total

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	25100	Total

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	92621	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	298252	Total

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	635285	Total

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	246320	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	254056	Total

Travel Travel

Field	Value	IRS element (for citing)
Total	3237	Total

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	41921	Total

Interest Interest

Field	Value	IRS element (for citing)
Total	2268183	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	305892	Total

Insurance Insurance

Field	Value	IRS element (for citing)
Total	69305	Total

Other Expenses OtherExpenses (5 entries)

DescriptionDescription	TotalTotal
PROVISION FOR LOAN LOSS	740345
LENDING EXPENSES	606811
NCUSIF PREM/CORP STAB EXP	551642
OTHER	111908
OTHER NON-OPERATING EXP	22978

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	7906100	Total
Program Services	0	ProgramServices
Management And General	0	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	927970	BOY
EOY	753749	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	15540315	BOY
EOY	11859866	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	1791801	BOY
EOY	1835375	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	75686540	BOY
EOY	76708559	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	122104	BOY
EOY	131248	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	8689961	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	2312296	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	6637266	BOY
EOY	6377665	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	116927406	BOY
EOY	135381640	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	26964000	BOY
EOY	27178000	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	2908835	BOY
EOY	3047485	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	247506237	BOY
EOY	263273587	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	928161	BOY
EOY	1043864	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	207968332	BOY
EOY	221285908	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	208896493	BOY
EOY	222329772	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	38609744	BOY
EOY	40943815	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	38609744	BOY
EOY	40943815	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	247506237	BOY
EOY	263273587	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	2179132	ReconcilationRevenueExpenses
Reconcilation Other Changes	154939	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	false	AccountantCompileOrReview
FS Audited	true	FSAudited
Audit Committee	true	AuditCommittee
Financial Statement Consolidated	X	FinancialStatementConsolidated
Federal Grant Audit Required	false	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Field	Value	IRS element (for citing)
Disclosed Orgs Legal Control	false	DisclosedOrgsLegalControl
Disclosed For Charitable Purposes	false	DisclosedForCharitablePurposes
Written Policy Monitoring	false	WrittenPolicyMonitoring
Sect170h Requirements Satisfied	false	Sect170hRequirementsSatisfied
Solicited Assets For Sale	false	SolicitedAssetsForSale
Agent Trustee Etc	false	AgentTrusteeEtc
Included On FS	false	IncludedOnFS
Endowments Held By Unrelated Orgs	false	EndowmentsHeldByUnrelatedOrgs
Endowments Held By Related Orgs	false	EndowmentsHeldByRelatedOrgs
Are Related Orgs Listed Schedule R	false	AreRelatedOrgsListedScheduleR

Land Land

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1478502	OtherCostOrOtherBasis
Book Value	1478502	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	5607839	OtherCostOrOtherBasis
Depreciation	1039957	Depreciation
Book Value	4567882	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1603620	OtherCostOrOtherBasis
Depreciation	1272339	Depreciation
Book Value	331281	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	6377665	TotalOfBookValueLandBuildings

Other Securities OtherSecurities

Field	Value	IRS element (for citing)
Description	CERTIFICATES OF DEPOSIT	Description
Book Value	27178000	BookValue
Method Of Valuation	C	MethodOfValuation

Field	Value	IRS element (for citing)
Total Of Book Value Securities	27178000	TotalOfBookValueSecurities

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	MEMBER SHARE AND SAVINGS ACCOUNTS	Description
Amount	$221,285,908	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	221285908	TotalOfAmounts
Total Revenue	10085232	TotalRevenue
Total Expenses	7906100	TotalExpenses
Excess Or Deficit For Year	2179132	ExcessOrDeficitForYear
Net Unrealized GL On Investments	192035	NetUnrealizedGLOnInvestments
Other	-$37,096	OtherAmount
Total Adjustments	154939	TotalAdjustments
Excess Or Deficit Per FS	2334071	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	10277267	TotRevenueEtcAuditedFinclStmt
Net Unrealized Gains Investments	192035	NetUnrealizedGainsInvestments
Revenue Not Rptd F990	192035	RevenueNotRptdF990
Revenue Subtotal	10085232	RevenueSubtotal
Total Revenue Per Form990	10085232	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	7943196	TotExpensesEtcAuditedFinclStmt
Other Expenses Included	37096	OtherExpensesIncluded
Expenses Not Rptd F990	37096	ExpensesNotRptdF990
Expenses Subtotal	7906100	ExpensesSubtotal
Total Expenses Per Form990	7906100	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
RECONCILIATION OF CHANGES - OTHER	SCHEDULE D, PAGE 4, PART XI, LINE 8	NET CHANGE IN PENSION LIABILITY -37,096
EXPENSE AMOUNTS INCLUDED IN FINANCIALS - OTHER	SCHEDULE D, PAGE 4, PART XIII, LINE 2D	NET CHANGE IN PENSION LIABILITY 37,096

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (5 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
CLASSES OF MEMBERS OR STOCKHOLDERS	FORM 990, PAGE 6, PART VI, LINE 6	THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF THE CREDIT UNION'S BOARD OF DIRECTORS.
ELECTION OF MEMBERS AND THEIR RIGHTS	FORM 990, PAGE 6, PART VI, LINE 7A	THE CREDIT UNION HAS A SINGLE CLASS OF MEMBERS. EACH MEMBER HAS A SINGLE VOTE IN THE ELECTION OF THE CREDIT UNION'S BOARD OF DIRECTORS.
DECISIONS SUBJECT TO APPROVAL OF MEMBERS	FORM 990, PAGE 6, PART VI, LINE 7B	THE CREDIT UNION'S MEMBERS MUST APPROVE: -THE MERGER OF THE CREDIT UNION. -THE DISSOLUTION OR CONVERSION OF THE CREDIT UNION. -CHANGES TO THE CREDIT UNION'S CHARTER, ARTICLES AND BYLAWS.
ORGANIZATION'S PROCESS USED TO REVIEW FORM 990	FORM 990, PAGE 6, PART VI, LINE 11B	THE FORM 990 IS REVIEWED BY THE CREDIT UNION'S MANAGEMENT PRIOR TO SUBMISSION.
GOVERNING DOCUMENTS DISCLOSURE EXPLANATION	FORM 990, PAGE 6, PART VI, LINE 19	THE CREDIT UNION'S FINANCIAL STATEMENTS ARE POSTED IN THE LOBBIES OF ALL BRANCHES ON A MONTHLY BASIS. QUARTERLY FINANCIAL STATMENTS (CALL REPORTS) ARE AVAILABLE ON WWW.NCUA.GOV.