Civic Intelligence

United Bay Community Credit Union

EIN 38-1395700 • 501(c)14 • Bay City, MI

Profile

Providing our members the resources to develop strong financial roots.

1309 North Lincoln AvenueBay City, MI 48708-6172

www.ubccu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

89th percentile

0.93x

Higher debt load relative to assets than 89% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

74th percentile

16.73x

Higher debt load relative to revenue than 74% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

12th percentile

1.2%

Higher net margin than 12% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

24th percentile

$332,821

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 2.1% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

57th percentile

3.6%

Faster asset growth than 57% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

54th percentile

14%

Faster revenue growth than 54% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$284,134,582

Up $9,865,975 (+3.6%) from 2023

Liabilities

Up

$263,962,885

Up $9,481,708 (+3.7%) from 2023

Net Assets

Up

$20,171,697

Up $384,267 (+1.9%) from 2023

Operations
Liabilities / Revenue74th percentileNet Margin12th percentile

Revenue

Up

$15,781,188

Up $1,955,459 (+14%) from 2023

Expenses

Up

$15,584,211

Up $1,719,692 (+12%) from 2023

Net Income

Up

$196,977

Up $235,767 (+608%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$300M$200M$100M$0Assets 2010: $163,866,952Liabilities 2010: $150,745,018Net Assets 2010: $13,121,9342010Assets 2011: $162,465,141Liabilities 2011: $149,824,417Net Assets 2011: $12,640,7242011Assets 2012: $189,002,761Liabilities 2012: $174,613,793Net Assets 2012: $14,388,9682012Assets 2013: $183,197,875Liabilities 2013: $170,730,890Net Assets 2013: $12,466,9852013Assets 2014: $182,743,863Liabilities 2014: $169,493,639Net Assets 2014: $13,250,2242014Assets 2015: $187,250,094Liabilities 2015: $173,848,479Net Assets 2015: $13,401,6152015Assets 2016: $188,452,351Liabilities 2016: $174,365,007Net Assets 2016: $14,087,3442016Assets 2017: $192,129,122Liabilities 2017: $177,658,709Net Assets 2017: $14,470,4132017Assets 2018: $189,721,310Liabilities 2018: $174,145,253Net Assets 2018: $15,576,0572018Assets 2019: $194,547,838Liabilities 2019: $176,704,566Net Assets 2019: $17,843,2722019Assets 2020: $222,799,625Liabilities 2020: $203,412,275Net Assets 2020: $19,387,3502020Assets 2021: $253,810,189Liabilities 2021: $233,105,489Net Assets 2021: $20,704,7002021Assets 2022: $281,526,666Liabilities 2022: $261,711,326Net Assets 2022: $19,815,3402022Assets 2023: $274,268,607Liabilities 2023: $254,481,177Net Assets 2023: $19,787,4302023Assets 2024: $284,134,582Liabilities 2024: $263,962,885Net Assets 2024: $20,171,6972024

Highlighted filing

2024

Assets$284,134,582
Liabilities$263,962,885
Net Assets$20,171,697
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $9,129,1552010Expenses 2011: $8,337,7292011Expenses 2012: $9,676,2162012Revenue 2013: $8,850,457Expenses 2013: $10,184,040Net Income 2013: -$1,333,5832013Revenue 2014: $7,784,990Expenses 2014: $7,312,518Net Income 2014: $472,4722014Revenue 2015: $8,086,006Expenses 2015: $7,673,487Net Income 2015: $412,5192015Revenue 2016: $8,492,931Expenses 2016: $7,832,023Net Income 2016: $660,9082016Revenue 2017: $8,837,938Expenses 2017: $8,345,409Net Income 2017: $492,5292017Revenue 2018: $9,498,998Expenses 2018: $7,998,955Net Income 2018: $1,500,0432018Revenue 2019: $9,697,730Expenses 2019: $8,252,712Net Income 2019: $1,445,0182019Revenue 2020: $9,874,801Expenses 2020: $8,354,710Net Income 2020: $1,520,0912020Revenue 2021: $10,170,296Expenses 2021: $8,821,798Net Income 2021: $1,348,4982021Revenue 2022: $11,618,988Expenses 2022: $11,560,753Net Income 2022: $58,2352022Revenue 2023: $13,825,729Expenses 2023: $13,864,519Net Income 2023: -$38,7902023Revenue 2024: $15,781,188Expenses 2024: $15,584,211Net Income 2024: $196,9772024

Highlighted filing

2024

Revenue$15,781,188
Expenses$15,584,211
Net Income$196,977
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$284,134,582
Liabilities
$263,962,885
Net assets
$20,171,697
Revenue
$15,781,188
Expenses
$15,584,211
Net income
$196,977
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$284$264$20.2$15.8$15.6$0.20
2023Detailed filing. Detailed filing data is available for this year.$274$254$19.8$13.8$13.9$0.04
2022Detailed filing. Detailed filing data is available for this year.$282$262$19.8$11.6$11.6$0.06
2021Detailed filing. Detailed filing data is available for this year.$254$233$20.7$10.2$8.82$1.35
2020Detailed filing. Detailed filing data is available for this year.$223$203$19.4$9.87$8.35$1.52
2019Detailed filing. Detailed filing data is available for this year.$195$177$17.8$9.70$8.25$1.45
2018Detailed filing. Detailed filing data is available for this year.$190$174$15.6$9.50$8.00$1.50
2017Detailed filing. Detailed filing data is available for this year.$192$178$14.5$8.84$8.35$0.49
2016Detailed filing. Detailed filing data is available for this year.$188$174$14.1$8.49$7.83$0.66
2015Detailed filing. Detailed filing data is available for this year.$187$174$13.4$8.09$7.67$0.41
2014Detailed filing. Detailed filing data is available for this year.$183$169$13.3$7.78$7.31$0.47
2013Detailed filing. Detailed filing data is available for this year.$183$171$12.5$8.85$10.2$1.33
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$189$175$14.4$9.68
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$162$150$12.6$8.34
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$164$151$13.1$9.13
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 22, 2025
Return Version
2024v5.2
Gross Receipts
$15,865,955
Mission and Program Overview

Mission

The mission of united bay community credit union is to be our members' primary financial institution, providing them with quality, confidential, professional, and personal services, while maintaining a sound and stable credit union.

Provide service to our members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$226,957,432$229,310,133▲ $2,352,701
Rtn Earn Endowment Incm Other Fnds$19,787,430$20,171,697▲ $384,267
Savings and Temporary Cash Investments$9,639,981$16,038,810▲ $6,398,829
Investments Other Securities$13,245,108$15,132,492▲ $1,887,384
Land, Buildings, and Equipment, Net$8,973,050$8,795,399▼ $177,651
Receivables From Officers Etc$1,367,249$4,504,762▲ $3,137,513
Cash and Non-Interest-Bearing Accounts$3,650,518$2,830,476▼ $820,042
Prepaid Expenses and Deferred Charges$602,242$660,350▲ $58,108
Accounts Receivable$88,817$70,317▼ $18,500
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$274,268,607$284,134,582▲ $9,865,975
Other Assets Total$9,744,210$6,791,843▼ $2,952,367
Liabilities
Other Liabilities$252,839,246$261,074,598▲ $8,235,352
Accounts Payable and Accrued Expenses$1,168,212$2,330,481▲ $1,162,269
Escrow Account Liability$473,719$557,806▲ $84,087
Total Liabilities$254,481,177$263,962,885▲ $9,481,708
Net Assets / Fund Balance
Total Net Assets Fund Balance$19,787,430$20,171,697▲ $384,267
Total Liabilities and Net Assets / Fund Balance$274,268,607$284,134,582▲ $9,865,975

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,589,079$3,373,642$9,962,721
Equipment$990,654$4,027,304$5,017,958
Land$1,212,023-$1,212,023
Leasehold Improvements$3,643$190,571$194,214
Other Securities$13,499,046--
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Diane AbbonizioCEOFT$265,924$66,897$332,821
Doug KelleyCFOFT$169,967$54,162$224,129

Board Members and Trustees

NameTitle
Christine HouleBoard Chair
Donald GouletVice Chair
Lizabeth HowardAssociate Board Member
Mary BoscoAssociate Board Member
Nickie RossAssociate Board Member
Davene IveyBoard Member
Louie RothBoard Member
Renay SchmidtBoard Member
Kelly JohnsonSecretary
Dennis GenoTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Member Driven TechnologyTechnology Support30230 ORCHARD LAKE RD, Farmington Hills, MI 48334$838,788
Co-op SolutionsCard Services9692 HAVEN AVE STE 300, Rancho Cucamonga, CA 91730$763,333
Nusource FinancialAtm Management9479 HAMILTON ROAD, Eden Prairie, MN 55344$232,760
Serenus JohnsonBuilding Remodel5178 KASEMEYER ROAD, Bay City, MI 48706$105,525
Yeo & YeoTechnology Support5300 BAY ROAD SUITE 200, Saginaw, MI 48605$103,609
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,654,463
Investment Income
$1,126,725
Other Revenue
$0
Change in Net Assets
$196,977
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,860,379
Salaries, Compensation, and Employee Benefits$6,723,832
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,311,381
Other Employee Benefits---$1,087,651
All Other Expenses---$894,184
Depreciation Depletion---$611,918
Information Technology---$580,290
Office Expenses---$568,495
Current Officers, Directors, Trustees, and Key Employees---$556,950
Other Expenses---$518,148
Pension Plan Contributions---$385,681
Payroll Taxes---$382,169
Occupancy---$350,081
Conferences and Meetings---$281,950
Fees for Services Accounting---$212,592
Advertising---$140,104
Insurance---$104,840
Fees for Services Other---$100,411
Fees for Services Legal---$86,835
Travel---$24,935
Total Functional Expenses$0$0$0$15,584,211
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,367,249$4,504,762▲ $3,137,513
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Accounts$261,074,598
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Every individual that has an account with the credit union is considered a member of the credit union”

Form 990, Part VI, Section A, Line 7A

“Every member is given one vote and is able to elect board members at the annual meeting”

Form 990, Part VI, Section A, Line 7B

“Day to day decisions of the governing body are not subject to approval by members, however, major strategic decisions, such as mergers, are subject to approval by members”

Form 990, Part VI, Section B, Line 11B

“The governing body is provided with the 990 return once it is completed. It will be reviewed by management and the governing body before filing.”

Form 990, Part VI, Section B, Line 12C

“The organization regularly and consistently monitors and enforces compliance with the policy by reviewing it throughout the year and taking appropriate action. If a board member has a conflict of interest, the member will abstain from voting on the conflicted issue.”

Form 990, Part VI, Section B, Line 15

“Compensation is calculated and reviewed annually based on performance, salary range in the position and current economic conditions. This process was last performed during 2024.”

Form 990, Part VI, Section C, Line 19

“Financial statements are available to the public by request only”

Filing and Contact Details

Filer

Filer Name
United Bay Community Credit Union
EIN
38-1395700
Phone
9898924597
Address
1309 NORTH LINCOLN AVENUE, BAY CITY, MI 48708-6172

Signing Officer

Name
Diane Abbonizio
Title
CEO
Phone
9898924597
Signed
2025-10-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Diane Abbonizio
Formed
1949
Legal Domicile
Mi
Voting Board Members
7
Independent Board Members
7
Employees
105
Volunteers
10

Preparer

Firm
Plante & Moran Pllc
Address
750 TRADE CENTRE WAY STE 300, PORTAGE, MI 49002
Preparer
Joshua Nitz CPA
Phone
2695674500
Supplemental Narrative

Additional Explanations

FORM 990, PART X, LINE 5 AND SCHEDULE L:

“Schedule l is not required for loans receivable balances on form 990, part x, line 5 if the loans are made by the credit union to the directors, officers, and key employees on the same terms offered to other members of the credit union. Therefore, the credit union has included approximately $190,000 and $434,000 of receivables from current officers, directors, trustees, key employees, and highest compensated employees for 2024 and 2023 respectively, within form 990, part x, line 7.”

Form 990 - Accounting Period

“The credit union reports on a june 30 fiscal year for financial reporting purposes and on a december 31 calendar year for tax purposes.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union holds amounts in escrow accounts for real estate taxes and home insurance related to home mortgage loans.”

Raw XML AppendixShowing 400 of 512 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1054397
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1149162
IRS990/Form990PartVIISectionAGrp/PersonNm0DONALD GOULET
IRS990/Form990PartVIISectionAGrp/PersonNm1CHRISTINE HOULE
IRS990/Form990PartVIISectionAGrp/PersonNm2DENNIS GENO
IRS990/Form990PartVIISectionAGrp/PersonNm3KELLY JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm4DAVENE IVEY
IRS990/Form990PartVIISectionAGrp/PersonNm5LOUIE ROTH
IRS990/Form990PartVIISectionAGrp/PersonNm6RENAY SCHMIDT
IRS990/Form990PartVIISectionAGrp/PersonNm7LIZABETH HOWARD
IRS990/Form990PartVIISectionAGrp/PersonNm8MARY BOSCO
IRS990/Form990PartVIISectionAGrp/PersonNm9NICKIE ROSS
IRS990/Form990PartVIISectionAGrp/PersonNm10DIANE ABBONIZIO
IRS990/Form990PartVIISectionAGrp/PersonNm11DOUG KELLEY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10278424
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11174967
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7ASSOCIATE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8ASSOCIATE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9ASSOCIATE BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01949
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-8671
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt076096
IRS990/GrossReceiptsAmt015865955
IRS990/GroupExemptionNum01359
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0580290
IRS990/InsuranceGrp/TotalAmt0104840
IRS990/InvestmentIncomeGrp/ExclusionAmt01135396
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01135396
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt013245108
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt015132492
IRS990/IRPDocumentCnt02368
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt07591517
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08973050
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08795399
IRS990/LandBldgEquipCostOrOtherBssAmt016386916
IRS990/LegalDomicileStateCd0MI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt084767
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROVIDING OUR MEMBERS THE RESOURCES TO DEVELOP STRONG FINANCIAL ROOTS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt019787430
IRS990/NetAssetsOrFundBalancesEOYAmt020171697
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-8671
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-8671
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0187290
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0350081
IRS990/OfficeExpensesGrp/TotalAmt0568495
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09744210
IRS990/OtherAssetsTotalGrp/EOYAmt06791843
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01087651
IRS990/OtherExpensesGrp/Desc0DIVIDENDS PAID ON MEMBE
IRS990/OtherExpensesGrp/Desc1CREDIT CARD AND ACCOUNT
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3OVER & SHORT ATM COLLEC
IRS990/OtherExpensesGrp/TotalAmt02621257
IRS990/OtherExpensesGrp/TotalAmt1953445
IRS990/OtherExpensesGrp/TotalAmt2810894
IRS990/OtherExpensesGrp/TotalAmt3518148
IRS990/OtherLiabilitiesGrp/BOYAmt0252839246
IRS990/OtherLiabilitiesGrp/EOYAmt0261074598
IRS990/OtherSalariesAndWagesGrp/TotalAmt04311381
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0226957432
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0229310133
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0382169
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0385681
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0602242
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0660350
IRS990/PrincipalOfficerNm0DIANE ABBONIZIO
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IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2GAIN ON SALE OF MORTGAGES AND LOA
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011789825
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12844111
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt24414
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt011789825
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12860224
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24414
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt016113
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0615298
IRS990/PYOtherExpensesAmt07560435
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt013210431
IRS990/PYRevenuesLessExpensesAmt0-38790
IRS990/PYSalariesCompEmpBnftPaidAmt06304084
IRS990/PYTotalExpensesAmt013864519
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt013825729
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01367249
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt04504762
IRS990/ReconcilationRevenueExpnssAmt0196977
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt019787430
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt020171697
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09639981
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016038810
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt06589079
IRS990ScheduleD/BuildingsGrp/DepreciationAmt03373642
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt09962721
IRS990ScheduleD/EquipmentGrp/BookValueAmt0990654
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04027304
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt05017958
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt01212023
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01212023
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03643
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0190571
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0194214
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0261074598
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt0250000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1-407994
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21791440
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt313499046
IRS990ScheduleD/OtherSecuritiesGrp/Desc0NON-NEGOTIABLE CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CORPORATE BONDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2MORTGAGE-BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc3US AND STATE INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3F
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS AMOUNTS IN ESCROW ACCOUNTS FOR REAL ESTATE TAXES AND HOME INSURANCE RELATED TO HOME MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08795399
IRS990ScheduleD/TotalBookValueSecuritiesAmt015132492
IRS990ScheduleD/TotalLiabilityAmt0261074598
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0265924
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1169967
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount012500
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount15000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt025786
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt115675
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt028611
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt133487
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DIANE ABBONIZIO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1DOUG KELLEY

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