﻿<?xml version="1.0" encoding="utf-8"?>
<Return returnVersion="2010v3.4" xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
  <ReturnHeader binaryAttachmentCount="0">
    <Timestamp>2011-10-01T11:38:55-07:00</Timestamp>
    <TaxPeriodEndDate>2010-12-31</TaxPeriodEndDate>
    <ReturnType>990</ReturnType>
    <TaxPeriodBeginDate>2010-01-01</TaxPeriodBeginDate>
    <Filer>
      <EIN>370818878</EIN>
      <Name>
        <BusinessNameLine1>URBANA MUNICIPAL EMPLOYEES CREDIT UNION</BusinessNameLine1>
      </Name>
      <NameControl>URBA</NameControl>
      <Phone>2173370240</Phone>
      <USAddress>
        <AddressLine1>1001 NORTH CUNNINGHAM AVENUE</AddressLine1>
        <City>URBANA</City>
        <State>IL</State>
        <ZIPCode>61802</ZIPCode>
      </USAddress>
    </Filer>
    <Officer>
      <Name>Melody Neumann</Name>
      <Title>President</Title>
      <Phone>2173370240</Phone>
      <DateSigned>2011-05-13</DateSigned>
    </Officer>
    <TaxYear>2010</TaxYear>
    <BuildTS>2016-03-07 17:11:31Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCount="4">
    <IRS990 documentId="R000001" referenceDocumentId="R000003 R000004" softwareId="10000077" softwareVersion="v1.00">
      <NameOfPrincipalOfficerPerson>MELODY NEUMANN</NameOfPrincipalOfficerPerson>
      <AddressPrincipalOfficerUS>
        <AddressLine1>1001 NORTH CUNNINGHAM AVENUE</AddressLine1>
        <City>URBANA</City>
        <State>IL</State>
        <ZIPCode>61802</ZIPCode>
      </AddressPrincipalOfficerUS>
      <GrossReceipts>111704</GrossReceipts>
      <GroupReturnForAffiliates>0</GroupReturnForAffiliates>
      <Organization501c typeOf501cOrganization="14">X</Organization501c>
      <TypeOfOrganizationOther>X</TypeOfOrganizationOther>
      <TypeOfOrgOtherDescription>COOPERATIVE</TypeOfOrgOtherDescription>
      <YearFormation>1950</YearFormation>
      <StateLegalDomicile>IL</StateLegalDomicile>
      <ActivityOrMissionDescription>THE MISSION OF THE URBANA MUNICIPAL EMPLOYEES CREDIT UNION IS TO PROVIDE A MEMBER OWNED FINANCIAL INSTITUION TO ENCOURAGE THRIFT AMONG ITS MEMBERS AND CREATE A SOURCE OF CREDIT AT A REASONABLE RATE OF INTEREST.</ActivityOrMissionDescription>
      <NbrVotingMembersGoverningBody>11</NbrVotingMembersGoverningBody>
      <NbrIndependentVotingMembers>0</NbrIndependentVotingMembers>
      <TotalNbrEmployees>2</TotalNbrEmployees>
      <TotalNbrVolunteers>10</TotalNbrVolunteers>
      <TotalGrossUBI>0</TotalGrossUBI>
      <NetUnrelatedBusinessTxblIncome>0</NetUnrelatedBusinessTxblIncome>
      <ContributionsGrantsPriorYear>0</ContributionsGrantsPriorYear>
      <ContributionsGrantsCurrentYear>0</ContributionsGrantsCurrentYear>
      <ProgramServiceRevenuePriorYear>101802</ProgramServiceRevenuePriorYear>
      <ProgramServiceRevenueCY>95439</ProgramServiceRevenueCY>
      <InvestmentIncomePriorYear>18170</InvestmentIncomePriorYear>
      <InvestmentIncomeCurrentYear>16265</InvestmentIncomeCurrentYear>
      <OtherRevenueCurrentYear>0</OtherRevenueCurrentYear>
      <TotalRevenuePriorYear>119972</TotalRevenuePriorYear>
      <TotalRevenueCurrentYear>111704</TotalRevenueCurrentYear>
      <GrantsAndSimilarAmntsPriorYear>0</GrantsAndSimilarAmntsPriorYear>
      <GrantsAndSimilarAmntsCY>0</GrantsAndSimilarAmntsCY>
      <BenefitsPaidToMembersPriorYear>0</BenefitsPaidToMembersPriorYear>
      <BenefitsPaidToMembersCY>0</BenefitsPaidToMembersCY>
      <SalariesEtcPriorYear>31840</SalariesEtcPriorYear>
      <SalariesEtcCurrentYear>36151</SalariesEtcCurrentYear>
      <TotalProfFundrsngExpPriorYear>0</TotalProfFundrsngExpPriorYear>
      <TotalProfFundrsngExpCY>0</TotalProfFundrsngExpCY>
      <TotalFundrsngExpCurrentYear>0</TotalFundrsngExpCurrentYear>
      <OtherExpensePriorYear>83707</OtherExpensePriorYear>
      <OtherExpensesCurrentYear>66990</OtherExpensesCurrentYear>
      <TotalExpensesPriorYear>115547</TotalExpensesPriorYear>
      <TotalExpensesCurrentYear>103141</TotalExpensesCurrentYear>
      <RevenuesLessExpensesPriorYear>4425</RevenuesLessExpensesPriorYear>
      <RevenuesLessExpensesCY>8563</RevenuesLessExpensesCY>
      <TotalAssetsBOY>1938790</TotalAssetsBOY>
      <TotalAssetsEOY>2087182</TotalAssetsEOY>
      <TotalLiabilitiesBOY>1695648</TotalLiabilitiesBOY>
      <TotalLiabilitiesEOY>1844102</TotalLiabilitiesEOY>
      <NetAssetsOrFundBalancesBOY>243142</NetAssetsOrFundBalancesBOY>
      <NetAssetsOrFundBalancesEOY>243080</NetAssetsOrFundBalancesEOY>
      <MissionDescription>PROVIDED COMSUMER LOANS TO 242 MEMBERS. RECEIVED DEPOSITS ON SAVINGS FROM 667 MEMBERS.</MissionDescription>
      <SignificantNewProgramServices>0</SignificantNewProgramServices>
      <SignificantChange>0</SignificantChange>
      <Expense>0</Expense>
      <Grants>0</Grants>
      <Revenue>0</Revenue>
      <Description>PROVIDED CONSUMER LOANS TO 242 MEMBERS. RECEIVED DEPOSITS ON SAVINGS FROM 667 MEMBERS.</Description>
      <Activity2>
        <Expense>0</Expense>
        <Revenue>0</Revenue>
        <Description>none</Description>
      </Activity2>
      <Activity3>
        <Expense>0</Expense>
        <Revenue>0</Revenue>
        <Description>none</Description>
      </Activity3>
      <TotalOfOtherProgramServiceExp>0</TotalOfOtherProgramServiceExp>
      <TotalOfOtherProgramServiceGrnt>0</TotalOfOtherProgramServiceGrnt>
      <TotalOfOtherProgramServiceRev>0</TotalOfOtherProgramServiceRev>
      <TotalProgramServiceExpense>0</TotalProgramServiceExpense>
      <DescribedIn501C3>0</DescribedIn501C3>
      <ScheduleBRequired>0</ScheduleBRequired>
      <PoliticalActivities>0</PoliticalActivities>
      <SubjectToProxyTax>0</SubjectToProxyTax>
      <DonorAdvisedFunds>0</DonorAdvisedFunds>
      <ConservationEasements>0</ConservationEasements>
      <CollectionsOfArt>0</CollectionsOfArt>
      <CreditCounseling>0</CreditCounseling>
      <TermOrPermanentEndowments>0</TermOrPermanentEndowments>
      <ReportLandBldgEquip>0</ReportLandBldgEquip>
      <ReportInvestOthSecurities>0</ReportInvestOthSecurities>
      <ReportProgRelInvest>0</ReportProgRelInvest>
      <ReportOtherAssets>0</ReportOtherAssets>
      <ReportOtherLiabilities referenceDocumentId="R000002">1</ReportOtherLiabilities>
      <ReportFin48Footnote>0</ReportFin48Footnote>
      <IndependentAuditFinancialStmt>0</IndependentAuditFinancialStmt>
      <ConsolidatedAuditFinancialStmt referenceDocumentId="R000002">0</ConsolidatedAuditFinancialStmt>
      <School>0</School>
      <ForeignOffice>0</ForeignOffice>
      <ForeignActivities>0</ForeignActivities>
      <MoreThan5000KToOrganizations>0</MoreThan5000KToOrganizations>
      <MoreThan5000KToIndividuals>0</MoreThan5000KToIndividuals>
      <ProfessionalFundraising>0</ProfessionalFundraising>
      <FundraisingActivities>0</FundraisingActivities>
      <Gaming>0</Gaming>
      <Hospital>0</Hospital>
      <GrantsToOrganizations>0</GrantsToOrganizations>
      <GrantsToIndividuals>0</GrantsToIndividuals>
      <ScheduleJRequired>0</ScheduleJRequired>
      <TaxExemptBonds>0</TaxExemptBonds>
      <LoanToOfficerOrDQP>0</LoanToOfficerOrDQP>
      <GrantToRelatedPerson>0</GrantToRelatedPerson>
      <BsnssRltnshpWithOrganization>0</BsnssRltnshpWithOrganization>
      <BsnssRltnshpThruFamilyMember>0</BsnssRltnshpThruFamilyMember>
      <OfficerEntityWithBsnssRltnshp>0</OfficerEntityWithBsnssRltnshp>
      <DeductibleNonCashContributions>0</DeductibleNonCashContributions>
      <DeductibleContributionsOfArt>0</DeductibleContributionsOfArt>
      <Terminated>0</Terminated>
      <PartialLiquidation>0</PartialLiquidation>
      <DisregardedEntity>0</DisregardedEntity>
      <RelatedEntity>0</RelatedEntity>
      <RelatedOrgControlledEntity>0</RelatedOrgControlledEntity>
      <TransactionRelatedEntity>0</TransactionRelatedEntity>
      <ActivitiesConductedPartnership>0</ActivitiesConductedPartnership>
      <ScheduleORequired>1</ScheduleORequired>
      <NumberFormsTransmittedWith1096>267</NumberFormsTransmittedWith1096>
      <NumberW2GIncluded>0</NumberW2GIncluded>
      <ComplianceWithBackupWitholding>0</ComplianceWithBackupWitholding>
      <NumberOfEmployees>2</NumberOfEmployees>
      <EmploymentTaxReturnsFiled>1</EmploymentTaxReturnsFiled>
      <UnrelatedBusinessIncome>0</UnrelatedBusinessIncome>
      <ForeignFinancialAccount>0</ForeignFinancialAccount>
      <ProhibitedTaxShelterTrans>0</ProhibitedTaxShelterTrans>
      <TaxablePartyNotification>0</TaxablePartyNotification>
      <NonDeductibleContributions>0</NonDeductibleContributions>
      <IndoorTanningServices>0</IndoorTanningServices>
      <InfoInScheduleOPartVI>X</InfoInScheduleOPartVI>
      <NbrVotingGoverningBodyMembers>11</NbrVotingGoverningBodyMembers>
      <NumberIndependentVotingMembers>0</NumberIndependentVotingMembers>
      <FamilyOrBusinessRelationship>0</FamilyOrBusinessRelationship>
      <DelegationOfManagementDuties>0</DelegationOfManagementDuties>
      <ChangesToOrganizingDocs>0</ChangesToOrganizingDocs>
      <MaterialDiversionOrMisuse>0</MaterialDiversionOrMisuse>
      <MembersOrStockholders>1</MembersOrStockholders>
      <ElectionOfBoardMembers>1</ElectionOfBoardMembers>
      <DecisionsSubjectToApproval>1</DecisionsSubjectToApproval>
      <MinutesOfGoverningBody>1</MinutesOfGoverningBody>
      <MinutesOfCommittees>1</MinutesOfCommittees>
      <OfficerMailingAddress>0</OfficerMailingAddress>
      <LocalChapters>0</LocalChapters>
      <Form990ProvidedToGoverningBody>0</Form990ProvidedToGoverningBody>
      <ConflictOfInterestPolicy>1</ConflictOfInterestPolicy>
      <AnnualDisclosureCoveredPersons>0</AnnualDisclosureCoveredPersons>
      <RegularMonitoringEnforcement>1</RegularMonitoringEnforcement>
      <WhistleblowerPolicy>0</WhistleblowerPolicy>
      <DocumentRetentionPolicy>1</DocumentRetentionPolicy>
      <CompensationProcessCEO>0</CompensationProcessCEO>
      <CompensationProcessOther>0</CompensationProcessOther>
      <InvestmentInJointVenture>0</InvestmentInJointVenture>
      <StatesWhereCopyOfReturnIsFiled>IL</StatesWhereCopyOfReturnIsFiled>
      <UponRequest>X</UponRequest>
      <TheBooksAreInCareOf>
        <NamePerson>MELODY NEUMANN</NamePerson>
        <TelephoneNumber>2173370240</TelephoneNumber>
        <AddressUS>
          <AddressLine1>1001 NORTH CUNNINGHAM AVENUE</AddressLine1>
          <City>URBANA</City>
          <State>IL</State>
          <ZIPCode>61802</ZIPCode>
        </AddressUS>
      </TheBooksAreInCareOf>
      <NoListedPersonsCompensated>X</NoListedPersonsCompensated>
      <Form990PartVIISectionA>
        <NamePerson>Melody T Neumann</NamePerson>
        <Title>President</Title>
        <AverageHoursPerWeek>30</AverageHoursPerWeek>
        <KeyEmployee>X</KeyEmployee>
        <HighestCompensatedEmployee>X</HighestCompensatedEmployee>
        <ReportableCompFromOrganization>25155</ReportableCompFromOrganization>
        <ReportableCompFromRelatedOrgs>25155</ReportableCompFromRelatedOrgs>
        <OtherCompensation>0</OtherCompensation>
      </Form990PartVIISectionA>
      <TotalReportableCompFromOrg>25155</TotalReportableCompFromOrg>
      <TotalReportableCompFrmRltdOrgs>25155</TotalReportableCompFrmRltdOrgs>
      <TotalOtherCompensation>0</TotalOtherCompensation>
      <NumberIndividualsGT100K>0</NumberIndividualsGT100K>
      <FormersListed>0</FormersListed>
      <TotalCompGT150K>0</TotalCompGT150K>
      <CompensationFromOtherSources>0</CompensationFromOtherSources>
      <NumberOfContractorsGT100K>0</NumberOfContractorsGT100K>
      <TotalContributions>0</TotalContributions>
      <ProgramServiceRevenue>
        <Description>INTEREST ON LOANS</Description>
        <BusinessCode>900099</BusinessCode>
        <TotalRevenueColumn>98982</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>98982</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
        <Description>SALE OF CREDIT DISABILITY</Description>
        <BusinessCode>524298</BusinessCode>
        <TotalRevenueColumn>236</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>236</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
        <Description>LOAN INTEREST FEES AND FINES</Description>
        <BusinessCode>900099</BusinessCode>
        <TotalRevenueColumn>780</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>780</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <ProgramServiceRevenue>
        <Description>OTHER INCOME</Description>
        <BusinessCode>900099</BusinessCode>
        <TotalRevenueColumn>-4559</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>-4559</RelatedOrExemptFunctionIncome>
      </ProgramServiceRevenue>
      <TotalOthProgramServiceRevenue>
        <TotalRevenueColumn>0</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>0</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </TotalOthProgramServiceRevenue>
      <TotalProgramServiceRevenue>95439</TotalProgramServiceRevenue>
      <InvestmentIncome>
        <TotalRevenueColumn>16265</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>16265</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </InvestmentIncome>
      <IncomeFromInvestBondProceeds>
        <TotalRevenueColumn>0</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>0</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </IncomeFromInvestBondProceeds>
      <RoyaltiesRevenue>
        <TotalRevenueColumn>0</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>0</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </RoyaltiesRevenue>
      <GrossRents>
        <Real>0</Real>
        <Personal>0</Personal>
      </GrossRents>
      <LessRentalExpenses>
        <Real>0</Real>
        <Personal>0</Personal>
      </LessRentalExpenses>
      <RentalIncomeOrLoss>
        <Real>0</Real>
        <Personal>0</Personal>
      </RentalIncomeOrLoss>
      <NetRentalIncomeOrLoss>
        <TotalRevenueColumn>0</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>0</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </NetRentalIncomeOrLoss>
      <GrossAmountSalesAssets>
        <Securities>0</Securities>
        <Other>0</Other>
      </GrossAmountSalesAssets>
      <LessCostOthBasisSalesExpenses>
        <Securities>0</Securities>
        <Other>0</Other>
      </LessCostOthBasisSalesExpenses>
      <GainOrLoss>
        <Securities>0</Securities>
        <Other>0</Other>
      </GainOrLoss>
      <NetGainOrLossInvestments>
        <TotalRevenueColumn>0</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>0</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </NetGainOrLossInvestments>
      <GrossIncomeFundraisingEvents>0</GrossIncomeFundraisingEvents>
      <CntrbtnsRprtdFundraisingEvents>0</CntrbtnsRprtdFundraisingEvents>
      <FundraisingDirectExpenses>0</FundraisingDirectExpenses>
      <NetIncomeFromFundraisingEvents>
        <TotalRevenueColumn>0</TotalRevenueColumn>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </NetIncomeFromFundraisingEvents>
      <GrossIncomeGaming>0</GrossIncomeGaming>
      <GamingDirectExpenses>0</GamingDirectExpenses>
      <NetIncomeFromGaming>
        <TotalRevenueColumn>0</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>0</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </NetIncomeFromGaming>
      <GrossSalesOfInventory>0</GrossSalesOfInventory>
      <CostOfGoodsSold>0</CostOfGoodsSold>
      <NetIncomeOrLoss>
        <TotalRevenueColumn>0</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>0</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </NetIncomeOrLoss>
      <TotalOtherRevenue>0</TotalOtherRevenue>
      <TotalRevenue>
        <TotalRevenueColumn>111704</TotalRevenueColumn>
        <RelatedOrExemptFunctionIncome>111704</RelatedOrExemptFunctionIncome>
        <UnrelatedBusinessRevenue>0</UnrelatedBusinessRevenue>
        <ExclusionAmount>0</ExclusionAmount>
      </TotalRevenue>
      <GrantsToDomesticOrgs>
        <Total>0</Total>
      </GrantsToDomesticOrgs>
      <GrantsToDomesticIndividuals>
        <Total>0</Total>
      </GrantsToDomesticIndividuals>
      <ForeignGrants>
        <Total>0</Total>
      </ForeignGrants>
      <BenefitsToMembers>
        <Total>0</Total>
      </BenefitsToMembers>
      <CompCurrentOfficersDirectors>
        <Total>25155</Total>
      </CompCurrentOfficersDirectors>
      <CompDisqualPersons>
        <Total>0</Total>
      </CompDisqualPersons>
      <OtherSalariesAndWages>
        <Total>7989</Total>
      </OtherSalariesAndWages>
      <PensionPlanContributions>
        <Total>0</Total>
      </PensionPlanContributions>
      <PayrollTaxes>
        <Total>3007</Total>
      </PayrollTaxes>
      <FeesForServicesManagement>
        <Total>0</Total>
      </FeesForServicesManagement>
      <FeesForServicesLegal>
        <Total>245</Total>
      </FeesForServicesLegal>
      <FeesForServicesAccounting>
        <Total>5449</Total>
      </FeesForServicesAccounting>
      <FeesForServicesLobbying>
        <Total>0</Total>
      </FeesForServicesLobbying>
      <FeesForServicesProfFundraising>
        <Total>0</Total>
      </FeesForServicesProfFundraising>
      <FeesForServicesInvstMgmntFees>
        <Total>0</Total>
      </FeesForServicesInvstMgmntFees>
      <FeesForServicesOther>
        <Total>0</Total>
      </FeesForServicesOther>
      <Advertising>
        <Total>151</Total>
      </Advertising>
      <OfficeExpenses>
        <Total>8198</Total>
      </OfficeExpenses>
      <Occupancy>
        <Total>8133</Total>
      </Occupancy>
      <Interest>
        <Total>23316</Total>
      </Interest>
      <Insurance>
        <Total>15918</Total>
      </Insurance>
      <OtherExpenses>
        <Description>car guides, other items not office supplies</Description>
        <Total>1638</Total>
      </OtherExpenses>
      <AllOtherExpenses>
        <Total>3942</Total>
      </AllOtherExpenses>
      <TotalFunctionalExpenses>
        <Total>103141</Total>
        <ProgramServices>0</ProgramServices>
        <ManagementAndGeneral>0</ManagementAndGeneral>
        <Fundraising>0</Fundraising>
      </TotalFunctionalExpenses>
      <CashNonInterestBearing>
        <BOY>126416</BOY>
        <EOY>57798</EOY>
      </CashNonInterestBearing>
      <SavingsAndTempCashInvestments>
        <BOY>756849</BOY>
        <EOY>725201</EOY>
      </SavingsAndTempCashInvestments>
      <PledgesAndGrantsReceivable>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </PledgesAndGrantsReceivable>
      <AccountsReceivable>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </AccountsReceivable>
      <ReceivablesFromOfficersEtc>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </ReceivablesFromOfficersEtc>
      <ReceivablesFromDisqualPersons>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </ReceivablesFromDisqualPersons>
      <OtherNotesLoansReceivableNet>
        <BOY>1039133</BOY>
        <EOY>1281554</EOY>
      </OtherNotesLoansReceivableNet>
      <InventoriesForSaleOrUse>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </InventoriesForSaleOrUse>
      <PrepaidExpensesDeferredCharges>
        <BOY>1700</BOY>
        <EOY>5707</EOY>
      </PrepaidExpensesDeferredCharges>
      <LandBuildingsEquipmentBasis>0</LandBuildingsEquipmentBasis>
      <LandBldgEquipmentAccumDeprec>0</LandBldgEquipmentAccumDeprec>
      <LandBuildingsEquipmentBasisNet>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </LandBuildingsEquipmentBasisNet>
      <InvestmentsPubTradedSecurities>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </InvestmentsPubTradedSecurities>
      <InvestmentsOtherSecurities>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </InvestmentsOtherSecurities>
      <InvestmentsProgramRelated>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </InvestmentsProgramRelated>
      <IntangibleAssets>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </IntangibleAssets>
      <OtherAssetsTotal>
        <BOY>14692</BOY>
        <EOY>16922</EOY>
      </OtherAssetsTotal>
      <TotalAssets>
        <BOY>1938790</BOY>
        <EOY>2087182</EOY>
      </TotalAssets>
      <AccountsPayableAccruedExpenses>
        <BOY>3457</BOY>
        <EOY>1963</EOY>
      </AccountsPayableAccruedExpenses>
      <GrantsPayable>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </GrantsPayable>
      <DeferredRevenue>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </DeferredRevenue>
      <TaxExemptBondLiabilities>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </TaxExemptBondLiabilities>
      <EscrowAccountLiability>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </EscrowAccountLiability>
      <LoansFromOfficersDirectors>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </LoansFromOfficersDirectors>
      <MortNotesPyblSecuredInvestProp>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </MortNotesPyblSecuredInvestProp>
      <UnsecuredNotesLoansPayable>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </UnsecuredNotesLoansPayable>
      <OtherLiabilities>
        <BOY>1692191</BOY>
        <EOY>1842139</EOY>
      </OtherLiabilities>
      <TotalLiabilities>
        <BOY>1695648</BOY>
        <EOY>1844102</EOY>
      </TotalLiabilities>
      <DoNotFollowSFAS117>X</DoNotFollowSFAS117>
      <CapStckTrstPrinCurrentFunds>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </CapStckTrstPrinCurrentFunds>
      <PaidInCapSrplsLandBldgEqpFund>
        <BOY>0</BOY>
        <EOY>0</EOY>
      </PaidInCapSrplsLandBldgEqpFund>
      <RetainedEarningsEndowmentEtc>
        <BOY>243142</BOY>
        <EOY>243080</EOY>
      </RetainedEarningsEndowmentEtc>
      <TotalNetAssetsFundBalances>
        <BOY>243142</BOY>
        <EOY>243080</EOY>
      </TotalNetAssetsFundBalances>
      <TotalLiabNetAssetsFundBalances>
        <BOY>1938790</BOY>
        <EOY>2087182</EOY>
      </TotalLiabNetAssetsFundBalances>
      <InfoInScheduleOPartXI>X</InfoInScheduleOPartXI>
      <ReconcilationRevenueExpenses>8563</ReconcilationRevenueExpenses>
      <ReconcilationOtherChanges>-8625</ReconcilationOtherChanges>
      <MethodOfAccountingCash>X</MethodOfAccountingCash>
      <AccountantCompileOrReview>0</AccountantCompileOrReview>
      <FSAudited>0</FSAudited>
      <FederalGrantAuditRequired>0</FederalGrantAuditRequired>
    </IRS990>
    <IRS990ScheduleD documentId="R000002" softwareId="10000077" softwareVersion="v1.00">
      <OtherLiabilities>
        <Description>Shares to Members</Description>
        <Amount>1842139</Amount>
      </OtherLiabilities>
      <TotalOfAmounts>1842139</TotalOfAmounts>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="R000003" softwareId="10000077" softwareVersion="v1.00">
      <GeneralExplanation>
        <Identifier>F990_P06_S0A_L06</Identifier>
        <ReturnReference>Form 990, Part VI, Section A, Line 6</ReturnReference>
        <Explanation>Members, one share is equivalent to $5.00. We have 667 members as of 12/31/10</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0A_L07a</Identifier>
        <ReturnReference>Form 990, Part VI, Section A, Line 7a</ReturnReference>
        <Explanation>Members may elect Board of Directors.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0A_L07b</Identifier>
        <ReturnReference>Form 990, Part VI, Section A, Line 7b</ReturnReference>
        <Explanation>Majority of the Board of Directors (members) elect governing body.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0B_L11a</Identifier>
        <ReturnReference>Form 990, Part VI, Section B, Line 11a</ReturnReference>
        <Explanation>Form 990 is available for review by our State Examiner, Board of Directors, Supervisory Committee and Annual Supervisory Committee Audit, thrid party CPA.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0B_L12c</Identifier>
        <ReturnReference>Form 990, Part VI, Section B, Line 12c</ReturnReference>
        <Explanation>WE ALWAYS HAVE NEW BOARD MEMBERS SIGN A CONFIDENTIALITY STATEMENT. WE REVIEW OUR BY-LAWS AT EACH ANNUAL MEETING.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P06_S0C_L19</Identifier>
        <ReturnReference>Form 990, Part VI, Section C, Line 19</ReturnReference>
        <Explanation>PARTVI, LINE 19: WE POST OUR MONTHLY FINANCIAL STATEMENT IN THE LOBBY OF OUR OFFICE. AT OUR ANNUAL METING, ALL MEMBERS ARE INVITED TO ATTEND AND VIEW REPORTS AS REQUESTED, POLICIES AND OUR BOARD OF DIRECTORS WILL ANSWER ANY QUESTIONS ASKED AND IF ANSWER IS UNKNOWN, THE PRESIDENT WILL CONTACT THE MEMBER AS SOON AS POSSIBLE.</Explanation>
      </GeneralExplanation>
      <GeneralExplanation>
        <Identifier>F990_P11_S00_L05</Identifier>
        <ReturnReference>Form 990, Part XI, Line 5</ReturnReference>
        <Explanation>Transferred $8,625 to #719, return for loan loan in March, 2011 to correct</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
    <ReasonableCauseExplanation documentId="R000004" softwareId="10000077" softwareVersion="v1.00">
      <Explanation>Manager migraine headache, came in office on Sat., 8/13/11 and Sun., 8/14/11</Explanation>
    </ReasonableCauseExplanation>
  </ReturnData>
</Return>