2011-06-28T07:48:10-05:00 2010-12-31 LARSONALLEN LLP 2900 SOUTH QUINCY ST SUITE 150 ARLINGTON VA 22206 990 2010-01-01 540662923 DUPONT COMMUNITY CREDIT UNION DUPO 5409463200 PO BOX 1365 WAYNESBORO VA 22980 GERALD B HERSHEY 5409463200 2011-06-27 1 DAVID LEGGE 7039985100 2010 2016-02-24 21:20:13Z GERALD B HERSHEY PO BOX 1365 WAYNESBORO VA 22980 42996775 0 X WWW.DCCUCHATT.COM X 1959 VA TO BE THE PREMIER PROVIDER OF FINANCIAL SERVICES, WE ARE COMMITTED TO EXCELLENCE THROUGH OUR RELATIONSHIPS WITH OUR MEMBERS, EMPLOYEES, AND COMMUNITY. 7 7 0 0 971584 -49032 0 0 39383003 40207969 1741779 1714262 1867334 0 42992116 41922231 0 0 0 0 11296721 12165972 0 0 0 28016959 24591145 39313680 36757117 3678436 5165114 719766266 738648851 657217587 670980637 62548679 67668214 SAME AS PAGE 1, PART I, LINE 1. 0 0 CONSUMER & BUSINESS LENDING AND SAVINGS, CHECKING, AND CERTIFICATES OF DEPOSIT ACCOUNTS. 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 1 0 0 0 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 0 1 1 1 1 0 VA X THE ORGANIZATION 5409463200 PO BOX 1365 WAYNESBORO VA 22980 EVERETT J CAMPBELL JR 1.00 X 0 0 0 RAYMOND E REED 1.00 X 0 0 0 MARY E ROTHACKER 1.00 X 0 0 0 Q MAURICE GRESHAM 1.00 X 0 0 0 ROBERT L ARBAUGH 1.00 X 0 0 0 SHANE EWILLS 1.00 X 0 0 0 LES RAMSEY 1.00 X 0 0 0 GERALD B HERSHEY 40.00 X 289063 0 290588 STEPHEN F ELKINS 40.00 X 141751 0 50984 KIMBERLY L DEAN 40.00 X 120589 0 21673 BARRY D SMITH 40.00 X 103760 0 19922 655163 0 383167 4 0 1 0 PSCU 560 CARILION PKWY ST PETERSBURG FL 33716 PAYMENT PROCESSING 2126013 SOUTHERN HEALTH 9881 MARYLAND DR RICHMND VA 23233 HEALTH INSURANCE 1292072 FISERV INC 455 SOUTH GULPH RD SUITE 201 KING OF PRUSSIA PA 19406 DATA PROCESSING 792526 NCUA 1775 DUKE STREET ALEXANDRIA VA 22314 DEPOSIT INSURANCE 790894 ORCC PO BOX 630139 BALTIMORE MD 21263 BILL-PAYMENT SERVICE 324360 14 DEPOSITORY CREDIT INTE 522100 39236385 39236385 INSURANCE SALES 524298 750197 750197 INVESTMENT SERVICES 523000 116847 116847 NON-MEMBER ATM FEES 522100 54755 54755 DCCU TITLE SERVICES 531390 49785 49785 40207969 1770506 1770506 1018300 1074544 -56244 -56244 -56244 41922231 40950647 971584 0 772386 7971611 670302 2094770 656903 4555 94542 259113 395822 3160214 605185 728063 128960 10756572 1232804 116789 UBIT TAXES 5961 PROVISION FOR LOAN LOSS 3705462 OPERATING COSTS 1675546 DEBIT CARD PROCESSING 1023683 LOAN SERVICING 562287 135587 36757117 12939403 11574871 43611776 7442312 4415920 579749875 574279518 654611 539201 31008540 10020202 20438589 20988338 38537665 102087427 3351100 3186800 974351 1039731 19508896 13094733 719766266 738648851 10421043 9833781 43798876 41900533 602997668 619246323 657217587 670980637 X 0 0 0 0 62548679 67668214 62548679 67668214 719766266 738648851 X 5165114 -45579 X 0 1 1 X 0 8763560 8763560 12333265 2595515 9737750 9911715 7424687 2487028 20988338 MEMBERS' SHARE & SAVINGS ACCOUNTS 619246323 619246323 DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: PART X: THE CREDIT UNION ADOPTED THE INCOME TAX STANDARD FOR UNCERTAIN TAX POSITIONS ON JANUARY 1, 2009. AS A RESULT OF THE IMPLEMENTATION, THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMER 31, 2010. X X X X 0 0 0 GERALD B HERSHEY 288110 0 815 0 138 0 278916 0 11672 0 579651 0 0 0 STEPHEN F ELKINS 137068 0 4623 0 60 0 39312 0 11672 0 192735 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS 57,359 MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A EACH MEMBER IS ENTITLED TO ONE VOTE DURING BOARD MEMBER ELECTIONS. FORM 990, PART VI, SECTION A, LINE 7B MEMBERS ARE ENTITLED TO VOTE ON CORPORATE MATTERS AS REQUIRED UNDER VA STATE LAW. FORM 990, PART VI, SECTION B, LINE 11 FORM 990 IS REVIEWED AND APPROVED BY THE CEO AND SVP OF FINANCE AND RETAIL PRIOR TO ITS FILING. FORM 990, PART VI, SECTION B, LINE 15 THE CEO SALARY RANGE IS DETERMINED USING A COMPENSATION AND PERFORMANCE CONSULTANT. CO SALARY RANGE IS IDENTIFIED HEAVILY USING MARKET DATA ANALYSIS; AND INDIVIDUAL COMPENSATION IS DETERMINED BY THE CREDIT UNION BOARD OF DIRECTORS, ANNUALLY, USING THE SALARY RANGE AND THE PERFORMANCE EVALUATION OF THE CEO. COMPENSATION OF OTHER OFFICERS AND KEY EMPLOYEES ARE DETERMINED BY THE INDEPENDENT CONSULANT AND BY COMPEASE, WHICH USES MARKET DATA AND JOB DESCRIPTIONS. THE PROCESS WAS LAST COMPLETED IN OCTBER OF 2009. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S FINANCIAL STATEMENTS ARE POSTED AT BRANCH OFFICE LOCATIONS. CHANGES IN NET ASSETS OR FUND BALANCES: FORM 990, PART XI, LINE 5: NET UNREALIZED LOSSES ON INVESTMENTS: -206,192. CHANGE IN DEFINED BENEFIT PENSION 187,929. CHANGE IN POST-RETIREMENT BENEFITS -27,316. TOTAL TO FORM 990, PART XI, LINE 5: -45,579. COMMUNITY FINANCIAL SERVICES LLC 2016 GOSE CREEK ROAD SUITE 106B WAYNESBORO VA 22980 263605883 TITLE INSURANCE SERVICES TO LENDERS AND OWNERS VA 167169 110932 DUPONT COMMUNITY CU