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        <ExplanationTxt>HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>THE CREDIT UNION DID NOT HAVE ANY UNRELATED BUSINESS INCOME.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 6</FormAndLineReferenceDesc>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 7A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.</ExplanationTxt>
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        <ExplanationTxt>SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.</ExplanationTxt>
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        <ExplanationTxt>THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.</ExplanationTxt>
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        <ExplanationTxt>CEO COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS. NCUA CALARY REPORT FROM 2023 USED FOR COMPARISON.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>DUE TO ROUNDING 0 ADJUSTMENT 90 CHANGES TO EQUITY 0 TOTAL 90</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PART XII</FormAndLineReferenceDesc>
        <ExplanationTxt>ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.</ExplanationTxt>
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</Return>
