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        <FormAndLineReferenceDesc>FORM 990, PAGE 1, PART I, LINE 6</FormAndLineReferenceDesc>
        <ExplanationTxt>HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND AUDIT COMMITTEE.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>THE CREDIT UNION IS OWNED BY THE MEMBERS.</ExplanationTxt>
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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.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.</ExplanationTxt>
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        <ExplanationTxt>FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD UPON REQUEST.</ExplanationTxt>
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        <ExplanationTxt>THE BOARD OF DIRECTORS IS RESPONSBILE FOR MONITORING AND ENFORCING THE CONFLICT OF INTEREST POLICY.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>COMPENSATION IS DETERMINED AND APPROVED BY THE BOARD OF DIRECTORS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15B</FormAndLineReferenceDesc>
        <ExplanationTxt>COMPENSATION IS DETERMINED AND APPROVED BY THE BOARD OF DIRECTORS.</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>FINANCIALS MADE AVAIABLE VIA NCUA WEBSITE THROUGH QUARTERLY CALL REPORTS.</ExplanationTxt>
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      <SupplementalInformationDetail>
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        <ExplanationTxt>OTHER ADJ 1,382</ExplanationTxt>
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</Return>