VANTAGE WEST CREDIT UNION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: VANTAGE WEST CREDIT UNION (EIN 86-0120482)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-07-21
IRS object ID: 201122029349300417
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 C
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-07-21T12:48:14-00:00	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	860120482	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	VANTAGE WEST CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	VANT	NameControl
Phone	5202987882	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 15115	AddressLine1
City	TUCSON	City
State	AZ	State
ZIP Code	857080115	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	SCOTT ODOM	Name
Title	VP OF FINANCE	Title
Phone	5209176270	Phone
Date Signed	2011-07-18	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

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	Robert D Ramirez	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	2480 North Arcadia Avenue	AddressLine1
City	Tucson	City
State	AZ	State
ZIP Code	85712	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	76867570	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Group Exemption Number	2111	GroupExemptionNumber
Organization501c	X	Organization501c
Web Site	WWW.VWESTCU.ORG	WebSite
Type Of Organization Other	X	TypeOfOrganizationOther
Type Of Org Other Description	CREDIT UNION	TypeOfOrgOtherDescription
Year Formation	1955	YearFormation
State Legal Domicile	AZ	StateLegalDomicile
Activity Or Mission Description	PEOPLE HELPING PEOPLE ACHIEVE THEIR FINANCIAL GOALS...OUR #1 PRIORITY. VANTAGE WEST IS A FULL-SERVICE FINANCIAL INSTITUTION. WE OFFER A WIDE ARRAY OF PERSONAL AND BUSINESS ACCOUNTS RANGING FROM SAVINGS AND CHECKING ACCOUNTS TO LOANS, MORTGAGES, MERCHANT SERVICES, CONSUMER CREDIT CARDS AND MUCH MORE. PEOPLE HELPING PEOPLE ACHIEVE THEIR FINANCIAL GOALS...OUR 1 PRIORITY. VANTAGE WEST IS A FULL-SERVICE FINANCIAL INSTITUTION. WE OFFER A WIDE ARRAY OF PERSONAL AND BUSINESS ACCOUNTS RANGING FROM SAVINGS AND CHECKING ACCOUNTS TO LOANS, MORTGAGES, MERCHANT SERVICES, CONSUMER CREDIT CARDS AND MUCH MORE.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	7	NbrIndependentVotingMembers
Total Nbr Employees	444	TotalNbrEmployees
Total Nbr Volunteers	16	TotalNbrVolunteers
Total Gross UBI	1085290	TotalGrossUBI
Net Unrelated Business Txbl Income	-963593	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	70012328	ProgramServiceRevenuePriorYear
Program Service Revenue CY	71825460	ProgramServiceRevenueCY
Investment Income Prior Year	2018527	InvestmentIncomePriorYear
Investment Income Current Year	2807556	InvestmentIncomeCurrentYear
Other Revenue Prior Year	5525451	OtherRevenuePriorYear
Other Revenue Current Year	2234554	OtherRevenueCurrentYear
Total Revenue Prior Year	77556306	TotalRevenuePriorYear
Total Revenue Current Year	76867570	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	17009174	SalariesEtcPriorYear
Salaries Etc Current Year	20961749	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	60117999	OtherExpensePriorYear
Other Expenses Current Year	41677903	OtherExpensesCurrentYear
Total Expenses Prior Year	77127173	TotalExpensesPriorYear
Total Expenses Current Year	62639652	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	429133	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	14227918	RevenuesLessExpensesCY
Total Assets BOY	1072284915	TotalAssetsBOY
Total Assets EOY	1073929571	TotalAssetsEOY
Total Liabilities BOY	969682504	TotalLiabilitiesBOY
Total Liabilities EOY	954811620	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	102602411	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	119117951	NetAssetsOrFundBalancesEOY
Mission Description	PEOPLE HELPING PEOPLE ACHIEVE THEIR FINANCIAL GOALS...OUR 1 PRIORITY. VANTAGE WEST IS A FULL-SERVICE FINANCIAL INSTITUTION. WE OFFER A WIDE ARRAY OF PERSONAL AND BUSINESS ACCOUNTS RANGING FROM SAVINGS AND CHECKING ACCOUNTS TO LOANS, MORTGAGES, MERCHANT SERVICES, CONSUMER CREDIT CARDS, AND MUCH MORE.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Description	INCOME FROM THE CREDIT UNION MEMBERSHIP AND FROM THE INVESTMENT OF MEMBERS FUNDS PROVIDE THE FOUNDATION FROM WHICH THE ORGANIZATION CAN FUNCTION AND PROVIDE SERVICES TO ITS RESTRICTED MEMBERSHIP.	Description
Described In501 C3	false	DescribedIn501C3
Schedule B Required	false	ScheduleBRequired
Political Activities	true	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	true	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	30425	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Number Of Employees	444	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	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	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	true	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	false	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	true	RegularMonitoringEnforcement
Whistleblower Policy	true	WhistleblowerPolicy
Document Retention Policy	true	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	true	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
States Where Copy Of Return Is Filed	AZ	StatesWhereCopyOfReturnIsFiled
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	SCOTT ODOM CONTROLLER	NamePerson
Telephone Number	5209176270	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	2480 N ARCADIA AVE	AddressLine1
City	TUCSON	City
State	AZ	State
ZIP Code	85712	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (16 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
DR WHITTAKER
CHAIRMAN/BOD	003.00	X	785	0	0
WL GUM
V.CHAIRMAN/BOD	003.00	X	781	0	0
CH MATTHEWSON
TREASURER/BOD	003.00	X	0	0	0
G GONZALEZ
SECRETARY/BOD	003.00	X	974	0	0
EL SORRELL
DIRECTOR/BOD	003.00	X	0	0	0
TL VALDEZ
DIRECTOR/BOD	003.00	X	0	0	0
G SMITH
DIRECTOR/BOD	003.00	X	1651	0	0
T MARIN
DIRECTOR/BOD	003.00	X	0	0	0
RD RAMIREZ
PRESIDENT/CEO	040.00		425915	0	449085	X
SB ODOM
VP OF FINANCE	040.00		128510	0	37988	X
CJ POWELL
VP OF ALM	040.00		113152	0	31650	X
R ALMAZAN
SVP CHIEF LENDING OFFICER	040.00		183795	0	58314		X
S MOTT
SVP TECHNOLOGY	040.00		178523	0	70973		X
G BRAM
SVP MARKETING	040.00		188534	0	69535		X
T ACHILLES
VP COMPLIANCE	040.00		142414	0	26885		X
S LUEDERS
VP HUMAN RESOURCES	040.00		133596	0	39326		X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	1498630	TotalReportableCompFromOrg
Total Other Compensation	783756	TotalOtherCompensation
Number Individuals GT100 K	16	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
GILES CONSTRUCTION INC
921 S PRUDENCE RD	TUCSON	AZ	85710	BUILDING CONSTRUCTION/REMODELING	1147411
THE BABLOVE AGENCY INC
220 E SPEEDWAY BLVD	TUCSON	AZ	85705	AD AGENCY	1145685
JACK HENRY & ASSOCIATES INC
PO BOX 503328	ST LOUIS	MO	63150	CORE SYSTEM LICENSE/MAINTENANCE	739304
THE STATEMENT COMPANY
16300 W GLENDALE DR	NEW BERLIN	WI	53151	MEMBER STATEMENTS	709833
DIEBOLD INCORPORATED
PO BOX 643543	PITTSBURGH	PA	15264	ATM MAINTENANCE	654460

Field	Value	IRS element (for citing)
Number Of Contractors GT100 K	23	NumberOfContractorsGT100K

Program Service Revenue ProgramServiceRevenue (5 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Unrelated Business RevenueUnrelatedBusinessRevenue	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome
UNRELATED BUSINESS INCOME	523000	495128	495128
UNRELATED BUSINESS INCOME	524298	590162	590162
FEES AND CHARGES	522100	12426075		12426075
OTHER NON-INTEREST INCOME	522100	422471		422471
INTEREST ON MEMBER LOANS	522100	57891624		57891624

Field	Value	IRS element (for citing)
Total Program Service Revenue	71825460	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	2807556	TotalRevenueColumn
Related Or Exempt Function Income	2807556	RelatedOrExemptFunctionIncome

Other Revenue Misc OtherRevenueMisc

Field	Value	IRS element (for citing)
Description	GAIN FROM BARGAIN PURCHASE - ACQUISITION	Description
Business Code	522100	BusinessCode
Total Revenue Column	2234554	TotalRevenueColumn
Related Or Exempt Function Income	2234554	RelatedOrExemptFunctionIncome

Field	Value	IRS element (for citing)
Total Other Revenue	2234554	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	76867570	TotalRevenueColumn
Related Or Exempt Function Income	75782280	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	1085290	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	2282386	Total
Program Services	2282386	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	14975626	Total
Program Services	14975626	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	825426	Total
Program Services	825426	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	1608550	Total
Program Services	1608550	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	1269761	Total
Program Services	1269761	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	120832	Total
Program Services	120832	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	74193	Total
Program Services	74193	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	469795	Total
Program Services	469795	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	2182885	Total
Program Services	2182885	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	3502411	Total
Program Services	3502411	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	1009153	Total
Program Services	1009153	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	1424970	Total
Program Services	1424970	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	99577	Total
Program Services	99577	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	449346	Total
Program Services	449346	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	6862126	Total
Program Services	6862126	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	2386057	Total
Program Services	2386057	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	262283	Total
Program Services	262283	ProgramServices

Other Expenses OtherExpenses

Field	Value	IRS element (for citing)
Description	See attached schedule	Description
Total	22834275	Total
Program Services	22834275	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	62639652	Total
Program Services	62639652	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	11778330	BOY
EOY	9162310	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	76096501	BOY
EOY	55120322	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	4257507	BOY
EOY	4370314	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	832728912	BOY
EOY	824026211	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	1309114	BOY
EOY	1383326	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	47794329	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	20588273	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	20041553	BOY
EOY	27206056	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
BOY	76595790	BOY
EOY	112924321	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	31331300	BOY
EOY	7539754	EOY

Intangible Assets IntangibleAssets

Field	Value	IRS element (for citing)
BOY	2386572	BOY
EOY	3437765	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	15759336	BOY
EOY	28759192	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	1072284915	BOY
EOY	1073929571	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	7395157	BOY
EOY	8588403	EOY

Deferred Revenue DeferredRevenue

Field	Value	IRS element (for citing)
BOY	134834	BOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

Field	Value	IRS element (for citing)
BOY	25000000	BOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	937152513	BOY
EOY	946223217	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	969682504	BOY
EOY	954811620	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	102602411	BOY
EOY	119117951	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	102602411	BOY
EOY	119117951	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	1072284915	BOY
EOY	1073929571	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	14227918	ReconcilationRevenueExpenses
Reconcilation Other Changes	2287622	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 C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	2500	PoliticalExpenditures
Amt Expended For527 Activities	2500	AmtExpendedFor527Activities
Total Exmpt Function Expenditures	2500	TotalExmptFunctionExpenditures
Form1120 Pol Filed	true	Form1120PolFiled

Sec527 Pol Orgs Sec527PolOrgs

Name Of527 Organization NameOf527Organization

Field	Value	IRS element (for citing)
Business Name Line1	ARIZONANS FOR RESPONSIBLE LENDING	BusinessNameLine1

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	PO BOX 41525	AddressLine1
City	TUCSON	City
State	AZ	State
ZIP Code	85717	ZIPCode

Field	Value	IRS element (for citing)
EIN	200802924	EIN
Amt Pd From Internal Funds	2500	AmtPdFromInternalFunds

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	9340694	OtherCostOrOtherBasis
Book Value	9081637	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	18776705	OtherCostOrOtherBasis
Depreciation	4960793	Depreciation
Book Value	13815912	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	655447	OtherCostOrOtherBasis
Depreciation	217049	Depreciation
Book Value	438398	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	17795850	OtherCostOrOtherBasis
Depreciation	15151374	Depreciation
Book Value	2644476	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	1225633	OtherCostOrOtherBasis
Book Value	1225633	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	27206056	TotalOfBookValueLandBuildings

Other Liabilities OtherLiabilities (7 entries)

DescriptionDescription	AmountAmount
SHARE DRAFT ACCOUNTS	$126,414,754
REGULAR SHARE ACCOUNTS	$92,625,281
PREMIUM SHARE ACCOUNTS	$444,626,901
ESCROW ACCOUNTS	$789,170
IRA SHARE ACCOUNTS	$105,061,250
SHARE AND IRA CERTIFICATES	$176,551,987
PREMIUM ON CERTIFICATES ACQUIRED THROUGH ACQUISITION	$153,874

Field	Value	IRS element (for citing)
Total Of Amounts	946223217	TotalOfAmounts
Total Revenue	76867570	TotalRevenue
Total Expenses	62639652	TotalExpenses
Excess Or Deficit For Year	14227918	ExcessOrDeficitForYear
Net Unrealized GL On Investments	-512378	NetUnrealizedGLOnInvestments
Other	$2,800,000	OtherAmount
Total Adjustments	2287622	TotalAdjustments
Excess Or Deficit Per FS	16515540	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	76867570	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	76867570	RevenueSubtotal
Total Revenue Per Form990	76867570	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	62639652	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	62639652	ExpensesSubtotal
Total Expenses Per Form990	62639652	TotalExpensesPerForm990

Form990 Schedule D Part XIV Form990ScheduleDPartXIV (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
X	2	FIN 48 IS NOT APPLICABLE.
XI	8	EQUITY ACQUIRED THROUGH ACQUISITION 2,800,000.

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Written Policy Re T And E Expenses	true	WrittenPolicyReTAndEExpenses
Substantiation Required	true	SubstantiationRequired
Written Employment Contract	X	WrittenEmploymentContract
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 (7 entries)

Base Compensation Filing OrgBaseCompensationFilingOrg	Bonus Filing OrgBonusFilingOrg	Deferred Comp Filing OrgDeferredCompFilingOrg	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Total Compensation Filing OrgTotalCompensationFilingOrg
RD RAMIREZ
417665	8250	436602	12483	875000
SB ODOM
121225	7285	25772	12216	166498
R ALMAZAN
171862	11933	48980	9334	242109
S MOTT
166934	11589	59018	11955	249496
G BRAM
177390	11144	57312	12223	258069
T ACHILLES
134614	7800	21675	5210	169299
S LUEDERS
126016	7580	26794	12532	172922

Schedule L IRS990ScheduleL

Form990 Schedule L Part IV Form990ScheduleLPartIV (2 entries)

RelationshipRelationship	Amount Of TransactionAmountOfTransaction	Description Of TransactionDescriptionOfTransaction	Sharing Of RevenuesSharingOfRevenues
FIRST CORPORATE CREDIT UNION
R. RAMIREZ IS ON THE BOARD OF DIRECTORS	542970	PAYMENT AND LIQUIDITY SERVICES	false
CUES
R. RAMIIREZ IS ON THE BOARD OF DIRECTORS	52812	EDUCATIONAL SERVICES	false

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (7 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990 Part VI	6	THE CREDIT UNION HAS MEMBERS.
Form 990 Part VI	7A	THE MEMBERS OF THE CREDIT UNION ELECT EACH MEMBER OF THE BOARD OF DIRECTORS.
Form 990 Part VI	11A	THE VP OF FINANCE IS RESPONSIBLE FOR THE PREPARATION OF THE RETURN. THE RETURN IS REVIEWED BY THE CREDIT UNIONS PRESIDENT/CEO. ONCE THIS REVIEW IS COMPLETED AND ANY NECESSARY CORRECTIONS ARE MADE, THE RETURN IS FILED.
Form 990 Part VI	15	THE REVIEW OF THE CEOS COMPENSATION IS A FUNCTION OF THE BOARD OF DIRECTORS. ANNUALLY, THE BOARD USES AN EXECUTIVE COMPENSATION SURVEY FROM AN INDEPENDENT THIRD PARTY TO DETERMINE THE CEOS COMPENSATION. FOR ALL OTHER POSITIONS IN THE ORGANIZATION, PAY RANGES ARE REVIEWED AND APPROVED ON AN ANNUAL BASIS BY THE BOARD OF DIRECTORS UTILIZING DATA FROM AN INDEPENDENT COMPENSATION STUDY.
Form 990 Part XI	5	EQUITY ACQUIRED THROUGH ACQUISITION 2,800,000 UNREALIZED LOSSES ON INVESTMENTS 512,378.
Form 990 Part VI	19	THE CREDIT UNIONS GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS CONFLICT OF INTEREST POLICY IS NOT MADE AVAILABLE TO THE PUBLIC. THE CREDIT UNIONS FINANCIAL STATEMENTS ARE AVAILABLE FOR PUBLIC VIEWING ON NCUA.GOV VIA THE QUARTERLY 5300 FILING.
Form 990 Part VI	12C	THE ORGANIZATIONS CONFLICT OF INTEREST POLICY IS ENFORCED IN TWO WAYS- 1 UPON HIRING, EMPLOYEES ARE REQUIRED TO READ AND CERTIFY THEIR ACCEPTANCE OF THE POLICY, AND 2 A REPORTING TOOL PROVIDED BY A THIRD PARTY IS AVAILABLE FOR EMPLOYEES TO ANONYMOUSLY REPORT ANY ETHICAL VIOLATIONS OF WHICH THEY ARE AWARE.