MIDLAND CREDIT UNION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: MIDLAND CREDIT UNION (EIN 42-0816632)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-05-10
IRS object ID: 201141309349300744
Schema version: 2010v3.2
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 L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-05-10T13:24:11-00:00	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	Gardiner Thomsen	BusinessNameLine1

Preparer Firm US Address PreparerFirmUSAddress

Field	Value	IRS element (for citing)
Address Line1	10555 New York Ave 200	AddressLine1
City	Des Moines	City
State	IA	State
ZIP Code	50322	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	420816632	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	Midland Credit Union	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	MIDL	NameControl
Phone	5152781994	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	2891 106th Street	AddressLine1
City	Urbandale	City
State	IA	State
ZIP Code	50322	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	Becky DeVries	Name
Title	CEO	Title
Date Signed	2011-05-09	DateSigned
Authorize Third Party	true	AuthorizeThirdParty

Preparer Preparer

Field	Value	IRS element (for citing)
Name	Charles Telk Jr CPA	Name
Phone	5152701446	Phone
Date Prepared	2011-05-09	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)
Name Of Principal Officer Person	Becky DeVries	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	2891 106th Street	AddressLine1
City	Urbandale	City
State	IA	State
ZIP Code	50322	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	2062744	GrossReceipts
Group Return For Affiliates	false	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	www.midlandcu.org	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1933	YearFormation
State Legal Domicile	IA	StateLegalDomicile
Activity Or Mission Description	Operate for the primary purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members. Operate for the primary purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	9	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	8	NbrIndependentVotingMembers
Total Nbr Employees	26	TotalNbrEmployees
Total Gross UBI	0	TotalGrossUBI
Net Unrelated Business Txbl Income	-110	NetUnrelatedBusinessTxblIncome
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	1292008	ProgramServiceRevenuePriorYear
Program Service Revenue CY	1225843	ProgramServiceRevenueCY
Investment Income Prior Year	327453	InvestmentIncomePriorYear
Investment Income Current Year	322478	InvestmentIncomeCurrentYear
Other Revenue Prior Year	723503	OtherRevenuePriorYear
Other Revenue Current Year	514423	OtherRevenueCurrentYear
Total Revenue Prior Year	2342964	TotalRevenuePriorYear
Total Revenue Current Year	2062744	TotalRevenueCurrentYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members CY	0	BenefitsPaidToMembersCY
Salaries Etc Prior Year	681768	SalariesEtcPriorYear
Salaries Etc Current Year	693590	SalariesEtcCurrentYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	1545743	OtherExpensePriorYear
Other Expenses Current Year	1321835	OtherExpensesCurrentYear
Total Expenses Prior Year	2227511	TotalExpensesPriorYear
Total Expenses Current Year	2015425	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	115453	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	47319	RevenuesLessExpensesCY
Total Assets BOY	35642359	TotalAssetsBOY
Total Assets EOY	34908231	TotalAssetsEOY
Total Liabilities BOY	30004551	TotalLiabilitiesBOY
Total Liabilities EOY	29223104	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	5637808	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	5685127	NetAssetsOrFundBalancesEOY
Mission Description	Operate for the primary purpose of promoting thrift, providing credit at reasonable rates, and providing other financial services to its members.	MissionDescription
Significant New Program Services	false	SignificantNewProgramServices
Significant Change	false	SignificantChange
Expense	2015425	Expense
Revenue	2062744	Revenue
Description	SEE SERVICES	Description
Total Program Service Expense	2015425	TotalProgramServiceExpense
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	true	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
Invest Tax Exempt Bonds	false	InvestTaxExemptBonds
Escrow Account	false	EscrowAccount
On Behalf Of Issuer	false	OnBehalfOfIssuer
Excess Benefit Transaction	false	ExcessBenefitTransaction
Prior Excess Benefit Transaction	false	PriorExcessBenefitTransaction
Loan To Officer Or DQP	true	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	934	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	true	ComplianceWithBackupWitholding
Number Of Employees	26	NumberOfEmployees
Employment Tax Returns Filed	true	EmploymentTaxReturnsFiled
Unrelated Business Income	false	UnrelatedBusinessIncome
Foreign Financial Account	false	ForeignFinancialAccount
Prohibited Tax Shelter Trans	false	ProhibitedTaxShelterTrans
Taxable Party Notification	false	TaxablePartyNotification
Non Deductible Contributions	false	NonDeductibleContributions
Quid Pro Quo Contributions	false	QuidProQuoContributions
Form8282 Property Disposed Of	false	Form8282PropertyDisposedOf
Funds To Pay Premiums	false	FundsToPayPremiums
Premiums Paid	false	PremiumsPaid
Excess Business Holdings	false	ExcessBusinessHoldings
Taxable Distributions	false	TaxableDistributions
Distribution To Donor	false	DistributionToDonor
Indoor Tanning Services	false	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	9	NbrVotingGoverningBodyMembers
Number Independent Voting Members	8	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	true	LocalChapters
Policies Reference Chapters	true	PoliciesReferenceChapters
Form990 Provided To Governing Body	false	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	false	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	true	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	false	RegularMonitoringEnforcement
Whistleblower Policy	false	WhistleblowerPolicy
Document Retention Policy	false	DocumentRetentionPolicy
Compensation Process CEO	true	CompensationProcessCEO
Compensation Process Other	false	CompensationProcessOther
Investment In Joint Venture	false	InvestmentInJointVenture
States Where Copy Of Return Is Filed	IA	StatesWhereCopyOfReturnIsFiled
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Field	Value	IRS element (for citing)
Name Person	Becky DeVries	NamePerson
Telephone Number	5152781994	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	2891 106th Street	AddressLine1
City	Urbandale	City
State	IA	State
ZIP Code	50322	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	Highest Compensated EmployeeHighestCompensatedEmployee
Warren Aldrich
Chairman	001.00	X	0	0	0
Dale McCleish
Vice Chairman	001.00	X	0	0	0
Norman Trentmann
CFO	001.00	X	0	0	0
Tina Shields
Secretary	001.00	X	0	0	0
Linda Gast
Director	001.00	X	0	0	0
Bob Ross
Director	001.00	X	0	0	0
Paul Mitchell
Director	001.00	X	0	0	0
Steve Wilfong
Director	001.00	X	0	0	0
Rebecca R DeVries
CEO	055.00	X	95924	0	0	X	X
Holly D Bernal
COO	050.00		74234	0	0	X
Steve Seamen
Director	001.00	X	0	0	0

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	170158	TotalReportableCompFromOrg
Formers Listed	false	FormersListed
Total Comp GT150 K	false	TotalCompGT150K
Compensation From Other Sources	false	CompensationFromOtherSources

Program Service Revenue ProgramServiceRevenue

Field	Value	IRS element (for citing)
Description	Loan Interest	Description
Business Code	522100	BusinessCode
Total Revenue Column	1225843	TotalRevenueColumn

Field	Value	IRS element (for citing)
Total Program Service Revenue	1225843	TotalProgramServiceRevenue

Investment Income InvestmentIncome

Field	Value	IRS element (for citing)
Total Revenue Column	322478	TotalRevenueColumn

Miscellaneous Revenue MiscellaneousRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	514423	TotalRevenueColumn

Field	Value	IRS element (for citing)
Total Other Revenue	514423	TotalOtherRevenue

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	2062744	TotalRevenueColumn

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	170158	Total
Program Services	170158	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	418746	Total
Program Services	418746	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	1535	Total
Program Services	1535	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	55073	Total
Program Services	55073	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	48078	Total
Program Services	48078	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	3255	Total
Program Services	3255	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	15652	Total
Program Services	15652	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	0	Total

Advertising Advertising

Field	Value	IRS element (for citing)
Total	74926	Total
Program Services	74926	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	169414	Total
Program Services	169414	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	94565	Total
Program Services	94565	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	98826	Total
Program Services	98826	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	1883	Total
Program Services	1883	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	7851	Total
Program Services	7851	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	267569	Total
Program Services	267569	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	63176	Total
Program Services	63176	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	28012	Total
Program Services	28012	ProgramServices

Other Expenses OtherExpenses (3 entries)

DescriptionDescription	TotalTotal	Program ServicesProgramServices
Provision for Loan Loss	123500	123500
NCUA Share Insurance	77233	77233
Debit/Credit Card/ITS Expense	172874	172874

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	123099	Total
Program Services	123099	ProgramServices

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	2015425	Total
Program Services	2015425	ProgramServices

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	348103	BOY
EOY	386909	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	8321490	BOY
EOY	4278864	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	18428852	BOY
EOY	20315415	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	35941	BOY
EOY	64788	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	1351983	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	634718	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	773089	BOY
EOY	717265	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
BOY	7212954	BOY
EOY	8618906	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	521930	BOY
EOY	526084	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	35642359	BOY
EOY	34908231	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	152131	BOY
EOY	181596	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	29852420	BOY
EOY	29041508	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	30004551	BOY
EOY	29223104	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

Field	Value	IRS element (for citing)
BOY	1401361	BOY
EOY	1401361	EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	4236447	BOY
EOY	4283766	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	5637808	BOY
EOY	5685127	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	35642359	BOY
EOY	34908231	EOY

Field	Value	IRS element (for citing)
Reconcilation Revenue Expenses	47319	ReconcilationRevenueExpenses
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	140000	OtherCostOrOtherBasis
Book Value	140000	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	733876	OtherCostOrOtherBasis
Depreciation	312040	Depreciation
Book Value	421836	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	69248	OtherCostOrOtherBasis
Depreciation	29996	Depreciation
Book Value	39252	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	408859	OtherCostOrOtherBasis
Depreciation	307106	Depreciation
Book Value	116177	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	717265	TotalOfBookValueLandBuildings

Investments Program Related InvestmentsProgramRelated (4 entries)

DescriptionDescription	Book ValueBookValue	Method Of ValuationMethodOfValuation
Bank Certificates of Deposit	8386979	C
TMG Debenture	100000	C
Corporate Central Member Shares	106927	C
Corporate Central Foundation	25000	C

Field	Value	IRS element (for citing)
Total Of Book Value Program Related	8618906	TotalOfBookValueProgramRelated

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
Description	Member Shares Certificates of Deposit	Description
Amount	$29,041,508	Amount

Field	Value	IRS element (for citing)
Total Of Amounts	29041508	TotalOfAmounts
Total Revenue	2062744	TotalRevenue
Total Expenses	2015425	TotalExpenses
Excess Or Deficit For Year	47319	ExcessOrDeficitForYear
Excess Or Deficit Per FS	47319	ExcessOrDeficitPerFS
Tot Revenue Etc Audited Fincl Stmt	2062744	TotRevenueEtcAuditedFinclStmt
Revenue Subtotal	2062744	RevenueSubtotal
Total Revenue Per Form990	2062744	TotalRevenuePerForm990
Tot Expenses Etc Audited Fincl Stmt	2015425	TotExpensesEtcAuditedFinclStmt
Expenses Subtotal	2015425	ExpensesSubtotal
Total Expenses Per Form990	2015425	TotalExpensesPerForm990

Schedule L IRS990ScheduleL

Loan Table LoanTable (10 entries)

Purpose Of LoanPurposeOfLoan	Loan From OrganizationLoanFromOrganization	Original PrincipalOriginalPrincipalAmount	Balance DueBalanceDue	DefaultDefault	Approved By BoardApprovedByBoard	Written AgreementWrittenAgreement
Warren Aldrich
Refiance Mortgage	X	$12,612	1368	false	true	true
Holly Bernal
Auto	X	$26,674	25557	false	true	true
Holly Bernal
Motor Home	X	$10,000	7899	false	true	true
Becky DeVries
Auto	X	$18,892	16879	false	true	true
Linda Gast
Refinace Mortgage	X	$60,000	54945	false	true	true
Linda Gast
Investment	X	$49,000	41914	false	true	true
Paul Mitchell
Refinace Mortgage	X	$103,400	103400	false	true	true
Bob Ross
Auto	X	$17,591	9910	false	true	true
Tina Shields
Personal	X	$900	851	false	true	true
Steve Wilfong
Auto	X	$16,226	4242	false	true	true

Field	Value	IRS element (for citing)
Total Balance Due	266965	TotalBalanceDue

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (6 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
Form 990 Part VI	6	The organization is a credit union with members.
Form 990 Part VI	7a	The organizations members elect members to the board of directors on an annual basis or as replacements are required due to vacancies.
Form 990 Part VI	7b	Decisions of the governing body subject to approval by members are mergers, acquisitions, and whether to change from a non-for-profit to a for-profit organization.
Form 990 Part VI	11a	After the Form 990 has been completed by the organizations external auditors the form is reviewed by the officers of the organization and signed off on by the CEO.
Form 990 Part VI	15a/15b	The organization uses indepedent, third party data and other external resources to compare and determine appropriate compensation amounts for the CEO, directors, and key employees and officers or the organization. Final approval is made by the CEO or board of directors depending on the position within the organization.
Form 990 Part VI	19	The organizations financial statements and information are available via the National Credit Union Administration website through the Call Reports. This information is updated quarterly. Financial information is also available upon request at each location. Governing documents and conflict of interest policies are not made available to the general public but are available upon request to members of the organization.