TY 2013 Form 990

(A)
Name and Title

(B)
Average hours per week (list any hours for related organizations below dotted line)

(D)
Reportable compensation from the organization (W- 2/1099-MISC)

(E)
Reportable compensation from related organizations (W- 2/1099-MISC)

(F)
Estimated amount of other compensation from the organization and related organizations

(1) SALLY SUTTON........................................................................
CHAIRPERSON

2.00
.......................

(2) EDWARD RENN........................................................................
VICE CHAIRMAN

2.00
.......................

(3) GEORGE CLINTON........................................................................
2ND VICE CHAIRMAN

2.00
.......................

(4) CAROL HOULE........................................................................
SECRETARY

2.00
.......................

(5) PHILLIP DOUGHTIE........................................................................
TREASURER

2.00
.......................

(6) WILLIAM MILNER........................................................................
PRESIDENT/CEO

40.00
.......................

143,000

(A)
Name and Title

(B)
Average hours per week (list any hours for related organizations below dotted line)

(D)
Reportable compensation from the organization (W- 2/1099-MISC)

(E)
Reportable compensation from related organizations (W- 2/1099-MISC)

(F)
Estimated amount of other compensation from the organization and related organizations

(A)
Name and business address

(B)
Description of services

Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization MediumBullet

Do not include amounts reported on lines 6b, 7b, 8b, 9b, and 10b of Part VIII.	(A) Total expenses	(B) Program service expenses	(C) Management and general expenses	(D) Fundraising expenses
1	Grants and other assistance to governments and organizations in the United States. See Part IV, line 21
2	Grants and other assistance to individuals in the United States. See Part IV, line 22
3	Grants and other assistance to governments, organizations, and individuals outside the United States. See Part IV, lines 15 and 16
4	Benefits paid to or for members
5	Compensation of current officers, directors, trustees, and key employees ....	143,000	143,000
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) ....
7	Other salaries and wages	311,241	311,241
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....	44,127	44,127
9	Other employee benefits .......	65,842	65,842
10	Payroll taxes ...........	36,959	36,959
11	Fees for services (non-employees):
a	Management ......
b	Legal .........	107	107
c	Accounting ...........
d	Lobbying ...........
e	Professional fundraising services. See Part IV, line 17
f	Investment management fees ......
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O) ........
12	Advertising and promotion ....	18,890	18,890
13	Office expenses .......	14,622	14,622
14	Information technology ......
15	Royalties ..
16	Occupancy ...........
17	Travel ............	22,564	22,564
18	Payments of travel or entertainment expenses for any federal, state, or local public officials ......
19	Conferences, conventions, and meetings ....	470	470
20	Interest ...........
21	Payments to affiliates .......
22	Depreciation, depletion, and amortization .....	23,532	23,532
23	Insurance ..............	64,618	64,618
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	EQUIPMENT RENTAL AND MA	85,803	85,803
b	FISERVE FEE	61,527	61,527
c	PROVISION FOR LOAN LOSS	50,750	50,750
d	DIVIDENDS	44,608	44,608
e	All other expenses	174,657	174,657
25	Total functional expenses. Add lines 1 through 24e	1,163,317	1,163,317	0	0
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

Do not include amounts reported on lines 6b,
7b, 8b, 9b, and 10b of Part VIII.

(A)
Total expenses

(B)
Program service expenses

(D)
Fundraising expenses

Grants and other assistance to governments and organizations in the United States. See Part IV, line 21

Grants and other assistance to individuals in the United States. See Part IV, line 22

Grants and other assistance to governments, organizations, and individuals outside the United States. See Part IV, lines 15 and 16

Benefits paid to or for members

Compensation of current officers, directors, trustees, and key employees ....

143,000

Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) ....

Other salaries and wages

311,241

Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....

44,127

Other employee benefits .......

65,842

Payroll taxes ...........

36,959

Fees for services (non-employees):

Management ......

Legal .........

107

Accounting ...........

Lobbying ...........

Professional fundraising services. See Part IV, line 17

Investment management fees ......

Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O) ........

Advertising and promotion ....

18,890

Office expenses .......

14,622

Information technology ......

Royalties ..

Occupancy ...........

Travel ............

22,564

Payments of travel or entertainment expenses for any federal, state, or local public officials ......

Conferences, conventions, and meetings ....

470

Interest ...........

Payments to affiliates .......

Depreciation, depletion, and amortization .....

23,532

Insurance ..............

64,618

Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)

EQUIPMENT RENTAL AND MA

85,803

FISERVE FEE

61,527

PROVISION FOR LOAN LOSS

50,750

DIVIDENDS

44,608

All other expenses

174,657

Total functional expenses. Add lines 1 through 24e

1,163,317

Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here MediumBullet

if following SOP 98-2 (ASC 958-720).

Part X Balance Sheet Check if Schedule O contains a response or note to any line in this Part X ..............
	1	Cash–non-interest-bearing .............	21,935,273	1	22,556,423
2	Savings and temporary cash investments .........		2
3	Pledges and grants receivable, net ...........		3
4	Accounts receivable, net .............		4
5	Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of Schedule L ..................
			5
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) Complete Part II of Schedule L
			6
7	Notes and loans receivable, net .............	14,385,546	7	14,555,406
8	Inventories for sale or use ..............		8
9	Prepaid expenses and deferred charges ..........	7,985	9	7,738
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a	601,048
b	Less: accumulated depreciation .....	10b	239,245	385,335	10c	361,803
11	Investments—publicly traded securities ..........		11
12	Investments—other securities. See Part IV, line 11 .....		12
13	Investments—program-related. See Part IV, line 11 .....		13
14	Intangible assets ...............		14
15	Other assets. See Part IV, line 11 ...........	336,140	15	320,980
16	Total assets. Add lines 1 through 15 (must equal line 34)......	37,050,279	16	37,802,350
	17	Accounts payable and accrued expenses .........	53,031	17	16,845
18	Grants payable .................		18
19	Deferred revenue ................		19
20	Tax-exempt bond liabilities .............		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D..		21
22	Loans and other payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified
	persons. Complete Part II of Schedule L..........		22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ....		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17-24). Complete Part X of Schedule D....................	28,862,815	25	29,545,845
26	Total liabilities. Add lines 17 through 25.........	28,915,846	26	29,562,690
		Organizations that follow SFAS 117 (ASC 958), check here and complete lines 27 through 29, and lines 33 and 34.
27	Unrestricted net assets ..............		27
28	Temporarily restricted net assets ...........		28
29	Permanently restricted net assets ...........		29
	Organizations that do not follow SFAS 117 (ASC 958), check here and complete lines 30 through 34.
30	Capital stock or trust principal, or current funds ........	0	30	0
31	Paid-in or capital surplus, or land, building or equipment fund .....	0	31	0
32	Retained earnings, endowment, accumulated income, or other funds	8,134,433	32	8,239,660
33	Total net assets or fund balances ...........	8,134,433	33	8,239,660
34	Total liabilities and net assets/fund balances ........	37,050,279	34	37,802,350

Part X Balance Sheet Check if Schedule O contains a response or note to any line in this Part X ..............

(A)
Beginning of year

(B)
End of year

Cash–non-interest-bearing .............

21,935,273

22,556,423

Savings and temporary cash investments .........

Pledges and grants receivable, net ...........

Accounts receivable, net .............

Loans and other receivables from current and former officers, directors, trustees, key employees, and highest compensated employees. Complete Part II of
Schedule L ..................

Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), persons described in section 4958(c)(3)(B), and contributing employers and sponsoring organizations of section 501(c)(9) voluntary employees' beneficiary organizations (see instructions) Complete Part II of Schedule L

Notes and loans receivable, net .............

14,385,546

14,555,406

Inventories for sale or use ..............

Prepaid expenses and deferred charges ..........

7,985

7,738

10a

Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D

10a

601,048

Less: accumulated depreciation .....

10b

239,245

385,335

10c

361,803

Investments—publicly traded securities ..........

Investments—other securities. See Part IV, line 11 .....

Investments—program-related. See Part IV, line 11 .....

Intangible assets ...............

Other assets. See Part IV, line 11 ...........

336,140

320,980

Total assets. Add lines 1 through 15 (must equal line 34)......

37,050,279

37,802,350

Accounts payable and accrued expenses .........

53,031

16,845

Grants payable .................

Deferred revenue ................

Tax-exempt bond liabilities .............

Escrow or custodial account liability. Complete Part IV of Schedule D..

Loans and other payables to current and former officers, directors, trustees, key employees, highest compensated employees, and disqualified

persons. Complete Part II of Schedule L..........

Secured mortgages and notes payable to unrelated third parties ..

Unsecured notes and loans payable to unrelated third parties ....

Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17-24). Complete Part X of Schedule D....................

28,862,815

29,545,845

Total liabilities. Add lines 17 through 25.........

28,915,846

29,562,690

Organizations that follow SFAS 117 (ASC 958), check here MediumBullet

and complete lines 27 through 29, and lines 33 and 34.

Unrestricted net assets ..............

Temporarily restricted net assets ...........

Permanently restricted net assets ...........

Organizations that do not follow SFAS 117 (ASC 958), check here MediumBullet

and complete lines 30 through 34.

Capital stock or trust principal, or current funds ........

Paid-in or capital surplus, or land, building or equipment fund .....

Retained earnings, endowment, accumulated income, or other funds

8,134,433

8,239,660

Total net assets or fund balances ...........

8,134,433

8,239,660

Total liabilities and net assets/fund balances ........

37,050,279

37,802,350

	(a) Donor advised funds	(b) Funds and other accounts
1	Total number at end of year .........
2	Aggregate contributions to (during year) ...
3	Aggregate grants from (during year) .....
4	Aggregate value at end of year ........


a	Total number of conservation easements .......................	2a
b	Total acreage restricted by conservation easements ..................	2b
c	Number of conservation easements on a certified historic structure included in (a) .....	2c
d	Number of conservation easements included in (c) acquired after 8/17/06, and not on a historic structure listed in the National Register ....................	2d

		Amount
c	Beginning balance .................................	1c
d	Additions during the year ..............................	1d
e	Distributions during the year .............................	1e
f	Ending balance ...................................	1f

Part XI Reconciliation of Revenue per Audited Financial Statements With Revenue per Return Complete if the organization answered 'Yes' to Form 990, Part IV, line 12a.
1	Total revenue, gains, and other support per audited financial statements .......	1
2	Amounts included on line 1 but not on Form 990, Part VIII, line 12:
a	Net unrealized gains on investments ..........	2a
b	Donated services and use of facilities .........	2b
c	Recoveries of prior year grants ...........	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d .....................	2e
3	Subtract line 2e from line 1.....................	3
4	Amounts included on Form 990, Part VIII, line 12, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b .	4a
b	Other (Describe in Part XIII.) ...........	4b
c	Add lines 4a and 4b.......................	4c
5	Total revenue. Add lines 3 and 4c. (This must equal Form 990, Part I, line 12.) ......	5

Part XII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return. Complete if the organization answered 'Yes' to Form 990, Part IV, line 12a.
1	Total expenses and losses per audited financial statements ...........	1
2	Amounts included on line 1 but not on Form 990, Part IX, line 25:
a	Donated services and use of facilities ..........	2a
b	Prior year adjustments ..............	2b
c	Other losses ................	2c
d	Other (Describe in Part XIII.) ............	2d
e	Add lines 2a through 2d......................	2e
3	Subtract line 2e from line 1.....................	3
4	Amounts included on Form 990, Part IX, line 25, but not on line 1:
a	Investment expenses not included on Form 990, Part VIII, line 7b ..	4a
b	Other (Describe in Part XIII.) ............	4b
c	Add lines 4a and 4b.......................	4c
5	Total expenses. Add lines 3 and 4c. (This must equal Form 990, Part I, line 18.) ......	5

- TIN:

SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or to provide any additional information.
MediumBullet

Attach to Form 990 or 990-EZ.
MediumBullet

Information about Schedule O (Form 990 or 990-EZ) and its instructions is at
www.irs.gov/form990.

OMB No. 1545-0047

2013

Open to Public
Inspection

Name of the organization

NEW HAMPSHIRE POSTAL CREDIT UNION

Employer identification number

02-0219109

Return Reference	Explanation
FORM 990, PART VI, SECTION A, LINE 6	THE ORGANIZATION IS A MEMBER-OWNED CREDIT UNION.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS ELECT BOARD MEMBERS WHO REPRESENT THE GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11	FORM 990 WAS PROVIDED TO THE PRESIDENT AND BOARD OF DIRECTORS FOR APPROVAL PRIOR TO BEING FILED.
FORM 990, PART VI, SECTION B, LINE 12C	ANNUALLY REQUESTS EMPLOYEES, OFFICERS AND DIRECTORS TO COMPLETE A CONFLICT OF INTEREST FORM THAT MANAGEMENT REVIEWS.
FORM 990, PART VI, SECTION B, LINE 15A	THE CEO'S COMPENSATION IS REVIEWED AND APPROVED ANNUALLY BY THE ORGANIZATION'S BOARD OF DIRECTORS.
FORM 990, PART VI, SECTION C, LINE 18	IF A MEMBER CHOOSES TO SEE THE FORM 990 AND 990-T THAN THE ORGANIZATION WOULD PROVIDE IT UPON REQUEST.
FORM 990, PART VI, SECTION C, LINE 19	THE ORGANIZATION'S GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
FORM 990, PART IX, LINE 24E	POSTAGE: PROGRAM SERVICE EXPENSES 33760. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 33760. MEMBER INSURANCE EXPENSE: PROGRAM SERVICE EXPENSES 23871. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 23871. COMMUNICATIONS/TELEPHONE: PROGRAM SERVICE EXPENSES 21245. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 21245. EDUCATION AND TRAINING: PROGRAM SERVICE EXPENSES 17356. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 17356. VARIOUS FEES: PROGRAM SERVICE EXPENSES 17285. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 17285. DUES & SUBSCRIPTIONS: PROGRAM SERVICE EXPENSES 14680. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 14680. EQUITY COSTS: PROGRAM SERVICE EXPENSES 10801. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 10801. STUDENT LOAN EXPENSES: PROGRAM SERVICE EXPENSES 7583. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 7583. COMPUTER HARDWARE: PROGRAM SERVICE EXPENSES 6847. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 6847. MISCELLANEOUS: PROGRAM SERVICE EXPENSES 6144. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 6144. LOSS ON 457F EXPENSE: PROGRAM SERVICE EXPENSES 5084. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 5084. PROFESSIONAL FEES: PROGRAM SERVICE EXPENSES 4023. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 4023. CHECK PROCESSING: PROGRAM SERVICE EXPENSES 2812. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 2812. DEBIT AND ATM FEES: PROGRAM SERVICE EXPENSES 2775. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 2775. SOFTWARE EXPENSE: PROGRAM SERVICE EXPENSES 391. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 391.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990 or 990-EZ) 2013

Additional Data

Software ID:
Software Version:

1	Briefly describe the organization’s mission or most significant activities: TO PROVIDE MEMBERS WITH AFFORDABLE LENDING OPTIONS AND ADVANTAGEOUS SAVINGS RATES WHILE PROVIDING THE BEST SERVICE POSSIBLE.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	6
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	6
5	Total number of individuals employed in calendar year 2013 (Part V, line 2a) ......	5	10
6	Total number of volunteers (estimate if necessary) .............	6	0
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	5,197
b	Net unrelated business taxable income from Form 990-T, line 34 .........	7b	-1,683

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........	0	0
9	Program service revenue (Part VIII, line 2g) .........	1,236,153	1,163,527
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	108,322	99,820
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	7,157	5,197
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)...................	1,351,632	1,268,544
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...	0	0
14	Benefits paid to or for members (Part IX, column (A), line 4).....	0	0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)	619,900	601,169
16a	Professional fundraising fees (Part IX, column (A), line 11e).....	0	0
b	Total fundraising expenses (Part IX, column (D), line 25) 0
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	552,639	562,148
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	1,172,539	1,163,317
19	Revenue less expenses. Subtract line 18 from line 12.......	179,093	105,227
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	37,050,279	37,802,350
21	Total liabilities (Part X, line 26).............	28,915,846	29,562,690
22	Net assets or fund balances. Subtract line 21 from line 20.....	8,134,433	8,239,660

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ 1,163,317 including grants of $ ) (Revenue $ 1,263,347 )
	THE CREDIT UNION HAS 4,114 MEMBERS AS OF 12/31/2013. MEMBERS HAVE ACCESS TO A VARIETY OF LOW COST SERVICES.

4b	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )












4c	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )












4d	Other program services (Describe in Schedule O.)
	(Expenses $ including grants of $ ) (Revenue $ )
4e	Total program service expenses1,163,317

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)............	143,000	0	0

(A) Name and business address	(B) Description of services	(C) Compensation





2 Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization 0

				(A) Total revenue	(B) Related or exempt function revenue	(C) Unrelated business revenue	(D) Revenue excluded from tax under sections 512-514
1a	Federated campaigns..1a
b	Membership dues....1b
c	Fundraising events....1c
d	Related organizations...1d
e	Government grants (contributions)1e

f	All other contributions, gifts, grants, and similar amounts not included above1f

g	Noncash contributions included in lines 1a-1f:$
h	Total. Add lines 1a-1f.......
			Business Code
2a	INTEREST ON LOANS		522100	880,577	880,577
b	FEE INCOME		525990	282,950	282,950
c
d
e
f	All other program service revenue .
g	Total. Add lines 2a–2f........			1,163,527
3	Investment income (including dividends, interest, and other similar amounts).......			99,820	99,820
4	Income from investment of tax-exempt bond proceeds..
5	Royalties...........
		(i) Real	(ii) Personal
6a	Gross rents
b	Less: rental expenses
c	Rental income or (loss)
d	Net rental income or (loss).......
		(i) Securities	(ii) Other
7a	Gross amount from sales of assets other than inventory
b	Less: cost or other basis and sales expenses
c	Gain or (loss)
d	Net gain or (loss)..........
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ..
	a
b	Less: direct expenses ...b
c	Net income or (loss) from fundraising events..
9a	Gross income from gaming activities. See Part IV, line 19 ...
	a
b	Less: direct expenses ...b
c	Net income or (loss) from gaming activities...
10a	Gross sales of inventory, less returns and allowances .
	a
b	Less: cost of goods sold ..b
c	Net income or (loss) from sales of inventory..
Miscellaneous Revenue			Business Code
11a	FEE REVENUE		525990	5,197		5,197
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......			5,197
12	Total revenue. See Instructions......			1,268,544	1,263,347	5,197	0

		(a)Current year	(b)Prior year	b (c)Two years back	(d)Three years back	(e)Four years back
1a	Beginning of year balance ....
b	Contributions ........
c	Net investment earnings, gains, and losses
d	Grants or scholarships .....
e	Other expenditures for facilities and programs ........
f	Administrative expenses ....
g	End of year balance ......

Description of property		(b)Cost or other basis (other)	(c) Accumulated depreciation	(d) Book value
1a	Land .................
b	Buildings ................	601,048	239,245	361,803
c	Leasehold improvements ............
d	Equipment ................
e	Other .................
Total. Add lines 1a through 1e. (Column (d) must equal Form 990, Part X, column (B), line 10(c).).......				361,803

(a) Description of security or category (including name of security)		(b)Book value	(c) Method of valuation: Cost or end-of-year market value
(1)Financial derivatives
(2)Closely-held equity interests
Other








Total. (Column (b) must equal Form 990, Part X, col. (B) line 12.)

1.(a) Description of liability		(b) Book value
Federal income taxes
MEMBER DEPOSITS		29,545,845








Total. (Column (b) must equal Form 990, Part X, col.(B) line 25.)		29,545,845
2. Liability for uncertain tax positions In Part XIII, provide the text of the footnote to the organization's financial statements that reports the organization's liability for uncertain tax positions under FIN 48 (ASC 740). Check here if the text of the footnote has been provided in Part XIII ..................................................