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    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc4">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 2, PART III, LINE 4D</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CREDIT UNION PERFORMED WITHIN THE SPECIFICATIONS OF ITS CHARTER BY PROVIDING FINANCIAL SERVICES TO ITS MEMBERS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION COOPERATIVE. MEMBERS JOIN THE CREDIT UNION BY DEPOSITING CASH INTO SHARE ACCOUNTS. MEMBERS ARE ABLE TO ELECT MEMBERS OF THE GOVERNING BODY BY MAINTAINING SHARES IN THE CREDIT UNION.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CREDIT UNION HOLDS AN ANNUAL MEETING TO ELECT DIRECTORS, WITH ALL MEMBERS MAINTAINING SHARE ACCOUNTS QUALIFYING TO PARTICIPATE</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE 990 IS REVIEWED BY A BOARD MEMBER BEFORE IT IS FILED. A COPY IS AVAILABLE FOR REVIEW FOR ALL BOARD MEMBERS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>APPROVED BY BOARD</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC BY PROVIDING THESE DOCUMENTS AT THE ANNUAL MEETING. THE CREDIT UNION IS WILLING TO MAIL THESE DOCUMENTS TO INTERESTED PARTIES UPON RECEIPT OF ANY REQUESTS.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>
