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        <Desc>LOAN LOSS PROVISION</Desc>
        <TotalAmt>90874</TotalAmt>
        <ProgramServicesAmt>90874</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>LOAN SERVICING</Desc>
        <TotalAmt>272570</TotalAmt>
        <ProgramServicesAmt>272570</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>OPERATING FEES</Desc>
        <TotalAmt>10188</TotalAmt>
        <ProgramServicesAmt>10188</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>175638</TotalAmt>
        <ProgramServicesAmt>175638</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>1462575</TotalAmt>
        <ProgramServicesAmt>1462575</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>385897</BOYAmt>
        <EOYAmt>462743</EOYAmt>
      </CashNonInterestBearingGrp>
      <AccountsReceivableGrp>
        <BOYAmt>259586</BOYAmt>
        <EOYAmt>115857</EOYAmt>
      </AccountsReceivableGrp>
      <ReceivablesFromOfficersEtcGrp>
        <BOYAmt>184096</BOYAmt>
        <EOYAmt>121882</EOYAmt>
      </ReceivablesFromOfficersEtcGrp>
      <OthNotesLoansReceivableNetGrp>
        <BOYAmt>33088848</BOYAmt>
        <EOYAmt>29597975</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <PrepaidExpensesDefrdChargesGrp>
        <BOYAmt>161262</BOYAmt>
        <EOYAmt>134660</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>3494186</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>1251479</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>2361716</BOYAmt>
        <EOYAmt>2242707</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <InvestmentsProgramRelatedGrp>
        <BOYAmt>6734689</BOYAmt>
        <EOYAmt>7870078</EOYAmt>
      </InvestmentsProgramRelatedGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>5977879</BOYAmt>
        <EOYAmt>7225072</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>49153973</BOYAmt>
        <EOYAmt>47770974</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>-61177</BOYAmt>
        <EOYAmt>270013</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <OtherLiabilitiesGrp>
        <BOYAmt>47135975</BOYAmt>
        <EOYAmt>44407959</EOYAmt>
      </OtherLiabilitiesGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>47074798</BOYAmt>
        <EOYAmt>44677972</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
      <RtnEarnEndowmentIncmOthFndsGrp>
        <BOYAmt>2079175</BOYAmt>
        <EOYAmt>3093002</EOYAmt>
      </RtnEarnEndowmentIncmOthFndsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>2079175</BOYAmt>
        <EOYAmt>3093002</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>49153973</BOYAmt>
        <EOYAmt>47770974</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>877033</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>160372</NetUnrlzdGainsLossesInvstAmt>
      <OtherChangesInNetAssetsAmt>-23578</OtherChangesInNetAssetsAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleD documentId="IRS990ScheduleD-01" softwareId="23017509">
      <LandGrp>
        <InvestmentCostOrOtherBasisAmt>233941</InvestmentCostOrOtherBasisAmt>
        <BookValueAmt>233941</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>2692791</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>847685</DepreciationAmt>
        <BookValueAmt>1845106</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>567454</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>403794</DepreciationAmt>
        <BookValueAmt>163660</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>2242707</TotalBookValueLandBuildingsAmt>
      <InvstProgramRelatedOrgGrp>
        <Desc>SECURITIES</Desc>
        <BookValueAmt>3221613</BookValueAmt>
        <MethodValuationCd>F</MethodValuationCd>
      </InvstProgramRelatedOrgGrp>
      <InvstProgramRelatedOrgGrp>
        <Desc>Cds AND OTHER</Desc>
        <BookValueAmt>4648465</BookValueAmt>
        <MethodValuationCd>C</MethodValuationCd>
      </InvstProgramRelatedOrgGrp>
      <TotalBookValueProgramRltdAmt>7870078</TotalBookValueProgramRltdAmt>
      <OtherAssetsOrgGrp>
        <Desc>PENSION ASSET</Desc>
        <BookValueAmt>6800179</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>OTHER</Desc>
        <BookValueAmt>424893</BookValueAmt>
      </OtherAssetsOrgGrp>
      <TotalBookValueOtherAssetsAmt>7225072</TotalBookValueOtherAssetsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>MEMBER SHARES</Desc>
        <Amt>44407959</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>44407959</TotalLiabilityAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleL documentId="IRS990ScheduleL-01" softwareId="23017509">
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>OTTO MARESH</PersonNm>
        <RelationshipWithOrgTxt>BOARD</RelationshipWithOrgTxt>
        <LoanPurposeTxt>VARIOUS</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>79049</OriginalPrincipalAmt>
        <BalanceDueAmt>59909</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>DAVID GEROW</PersonNm>
        <RelationshipWithOrgTxt>CEO</RelationshipWithOrgTxt>
        <LoanPurposeTxt>VARIOUS</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>83500</OriginalPrincipalAmt>
        <BalanceDueAmt>61973</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <TotalBalanceDueAmt>121882</TotalBalanceDueAmt>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="IRS990ScheduleO-01" softwareId="23017509">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>ALL ACCOUNTHOLDERS ARE ALSO MEMBERS OF THE CREDIT UNION</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>OFFICERS OF THE CREDIT UNION ARE ELECTED BY THE MEMBERS</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD REVIEWS AND APPROVES THE FORM 990 PRIOR TO FILING</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>MEMBERS OF THE BOARD ARE REQUIRED TO DISCLOSE ANY POSSIBLE CONFLICTS OF INTEREST</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD REVIEWS ANNUALLY THE COMPENSATION PACKAGES OF ALL KEY EMPLOYEES</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD REVIEWS ANNUALLY THE COMPENSATION PACKAGES OF ALL KEY EMPLOYEES</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt XI</FormAndLineReferenceDesc>
        <ExplanationTxt>CECL ADJUSTMENT POSTED TO UNDIVIDED EARNINGS</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part IX, Line 24e</FormAndLineReferenceDesc>
        <ExplanationTxt>DIVIDENDS PAID 175638. 175638.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
