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      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>false</FSAuditedInd>
    </IRS990>
    <IRS990ScheduleD documentId="RetDoc2">
      <EquipmentGrp>
        <InvestmentCostOrOtherBasisAmt>54627</InvestmentCostOrOtherBasisAmt>
        <DepreciationAmt>54627</DepreciationAmt>
      </EquipmentGrp>
      <OtherLandBuildingsGrp>
        <InvestmentCostOrOtherBasisAmt>46617</InvestmentCostOrOtherBasisAmt>
        <DepreciationAmt>46617</DepreciationAmt>
      </OtherLandBuildingsGrp>
      <OtherSecuritiesGrp>
        <Desc>OTHER INVESTMENTS</Desc>
        <BookValueAmt>1678781</BookValueAmt>
        <MethodValuationCd>C</MethodValuationCd>
      </OtherSecuritiesGrp>
      <TotalBookValueSecuritiesAmt>1678781</TotalBookValueSecuritiesAmt>
      <OtherAssetsOrgGrp>
        <Desc>CERTIFICATES OF DEPOSIT</Desc>
        <BookValueAmt>4983000</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>ACCRUED INVESTMENT INCOME</Desc>
        <BookValueAmt>9859</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>ACCRUED INTEREST</Desc>
        <BookValueAmt>8698</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>OTHER ASSETS</Desc>
        <BookValueAmt>1629</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>GAIN/LOSS ON AFS</Desc>
        <BookValueAmt>-194255</BookValueAmt>
      </OtherAssetsOrgGrp>
      <TotalBookValueOtherAssetsAmt>4808931</TotalBookValueOtherAssetsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>SHARES</Desc>
        <Amt>5009215</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>SHARE CERTIFICATES</Desc>
        <Amt>2521579</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>SHARE DRAFTS</Desc>
        <Amt>562565</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>CHECKS WRITTEN IN EXCESS</Desc>
        <Amt>32789</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>CHRISTMAS CLUB</Desc>
        <Amt>7620</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>OTHER LIABILITIES</Desc>
        <Amt>52</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>8133820</TotalLiabilityAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc3">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 1,597 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF THE MEMBER- OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CEO OF THE CREDIT UNION WILL REVIEW THE ENTIRE RETURN FOR ACCURACY, THEN ELECTRONICALLY SEND A COPY TO THE BOARD OF DIRECTORS FOR THEIR REVIEW PRIOR TO FILING.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 12C</FormAndLineReferenceDesc>
        <ExplanationTxt>THE CREDIT UNION REQUIRES ALL OFFICERS AND KEY EMPLOYEES TO SIGN A STATEMENT EACH YEAR TO ACKNOWLEDGE RECEIPT AND UNDERSTANDING OF THE POLICY AND REPORT ANY POTENTIAL CONFLICTS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. TWO MONTHS OF FINANCIAL STATEMENTS ARE POSTED AT THE CREDIT UNION FOR THE PUBLIC TO INSPECT.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART IX, LINE 11G</FormAndLineReferenceDesc>
        <ExplanationTxt>OUTSIDE SERVICES 36,795 0 0 DATA PROCESSING 57,195 0 0 TOTAL 93,990 0 0</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>