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      <ProgramServiceRevenueGrp>
        <Desc>Interest Income Loans</Desc>
        <BusinessCd>522291</BusinessCd>
        <TotalRevenueColumnAmt>33707916</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>33707916</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>Loan servicing fees</Desc>
        <BusinessCd>522291</BusinessCd>
        <TotalRevenueColumnAmt>2229497</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>2229497</RelatedOrExemptFuncIncomeAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>35937413</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>1725524</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1725524</RelatedOrExemptFuncIncomeAmt>
      </InvestmentIncomeGrp>
      <GrossRentsGrp>
        <RealAmt>81336</RealAmt>
      </GrossRentsGrp>
      <RentalIncomeOrLossGrp>
        <RealAmt>81336</RealAmt>
      </RentalIncomeOrLossGrp>
      <NetRentalIncomeOrLossGrp>
        <TotalRevenueColumnAmt>81336</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>81336</RelatedOrExemptFuncIncomeAmt>
      </NetRentalIncomeOrLossGrp>
      <GrossAmountSalesAssetsGrp>
        <OtherAmt>20399557</OtherAmt>
      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
        <OtherAmt>19855164</OtherAmt>
      </LessCostOthBasisSalesExpnssGrp>
      <GainOrLossGrp>
        <OtherAmt>544393</OtherAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>544393</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>544393</RelatedOrExemptFuncIncomeAmt>
      </NetGainOrLossInvestmentsGrp>
      <NetIncmFromFundraisingEvtGrp>
        <TotalRevenueColumnAmt>0</TotalRevenueColumnAmt>
      </NetIncmFromFundraisingEvtGrp>
      <OtherRevenueMiscGrp>
        <Desc>Interchange revenue</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>2899242</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>2899242</RelatedOrExemptFuncIncomeAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueMiscGrp>
        <Desc>Deposit servicing fees</Desc>
        <BusinessCd>900099</BusinessCd>
        <TotalRevenueColumnAmt>1184476</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>1169419</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>15057</UnrelatedBusinessRevenueAmt>
      </OtherRevenueMiscGrp>
      <MiscellaneousRevenueGrp>
        <TotalRevenueColumnAmt>761484</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>667146</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>94338</UnrelatedBusinessRevenueAmt>
      </MiscellaneousRevenueGrp>
      <OtherRevenueTotalAmt>4845202</OtherRevenueTotalAmt>
      <TotalRevenueGrp>
        <TotalRevenueColumnAmt>43133868</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>43024473</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>109395</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </TotalRevenueGrp>
      <CompCurrentOfcrDirectorsGrp>
        <TotalAmt>2157281</TotalAmt>
      </CompCurrentOfcrDirectorsGrp>
      <OtherSalariesAndWagesGrp>
        <TotalAmt>6842295</TotalAmt>
      </OtherSalariesAndWagesGrp>
      <PensionPlanContributionsGrp>
        <TotalAmt>318517</TotalAmt>
      </PensionPlanContributionsGrp>
      <OtherEmployeeBenefitsGrp>
        <TotalAmt>1042373</TotalAmt>
      </OtherEmployeeBenefitsGrp>
      <PayrollTaxesGrp>
        <TotalAmt>621147</TotalAmt>
      </PayrollTaxesGrp>
      <FeesForServicesLegalGrp>
        <TotalAmt>94759</TotalAmt>
      </FeesForServicesLegalGrp>
      <FeesForServicesAccountingGrp>
        <TotalAmt>47050</TotalAmt>
      </FeesForServicesAccountingGrp>
      <AdvertisingGrp>
        <TotalAmt>750208</TotalAmt>
      </AdvertisingGrp>
      <OfficeExpensesGrp>
        <TotalAmt>913508</TotalAmt>
      </OfficeExpensesGrp>
      <InformationTechnologyGrp>
        <TotalAmt>1811441</TotalAmt>
      </InformationTechnologyGrp>
      <OccupancyGrp>
        <TotalAmt>839485</TotalAmt>
      </OccupancyGrp>
      <ConferencesMeetingsGrp>
        <TotalAmt>155446</TotalAmt>
      </ConferencesMeetingsGrp>
      <InterestGrp>
        <TotalAmt>11261004</TotalAmt>
      </InterestGrp>
      <DepreciationDepletionGrp>
        <TotalAmt>822498</TotalAmt>
      </DepreciationDepletionGrp>
      <InsuranceGrp>
        <TotalAmt>161417</TotalAmt>
      </InsuranceGrp>
      <OtherExpensesGrp>
        <Desc>Provision for credit loss</Desc>
        <TotalAmt>3125000</TotalAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Card processing</Desc>
        <TotalAmt>1896976</TotalAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Loan servicing</Desc>
        <TotalAmt>1316337</TotalAmt>
      </OtherExpensesGrp>
      <OtherExpensesGrp>
        <Desc>Deposit servicing</Desc>
        <TotalAmt>998237</TotalAmt>
      </OtherExpensesGrp>
      <AllOtherExpensesGrp>
        <TotalAmt>494213</TotalAmt>
      </AllOtherExpensesGrp>
      <TotalFunctionalExpensesGrp>
        <TotalAmt>35669192</TotalAmt>
        <ProgramServicesAmt>0</ProgramServicesAmt>
        <ManagementAndGeneralAmt>0</ManagementAndGeneralAmt>
        <FundraisingAmt>0</FundraisingAmt>
      </TotalFunctionalExpensesGrp>
      <CashNonInterestBearingGrp>
        <BOYAmt>2180288</BOYAmt>
        <EOYAmt>2966818</EOYAmt>
      </CashNonInterestBearingGrp>
      <SavingsAndTempCashInvstGrp>
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        <EOYAmt>34907504</EOYAmt>
      </SavingsAndTempCashInvstGrp>
      <ReceivablesFromOfficersEtcGrp>
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        <EOYAmt>495844</EOYAmt>
      </ReceivablesFromOfficersEtcGrp>
      <OthNotesLoansReceivableNetGrp>
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        <EOYAmt>565515733</EOYAmt>
      </OthNotesLoansReceivableNetGrp>
      <PrepaidExpensesDefrdChargesGrp>
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        <EOYAmt>7760420</EOYAmt>
      </PrepaidExpensesDefrdChargesGrp>
      <LandBldgEquipCostOrOtherBssAmt>28441691</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>12064945</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>13358985</BOYAmt>
        <EOYAmt>16376746</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <InvestmentsPubTradedSecGrp>
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        <EOYAmt>30308040</EOYAmt>
      </InvestmentsPubTradedSecGrp>
      <InvestmentsProgramRelatedGrp>
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      </InvestmentsProgramRelatedGrp>
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        <EOYAmt>19379172</EOYAmt>
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      <TotalAssetsGrp>
        <BOYAmt>623866119</BOYAmt>
        <EOYAmt>677710277</EOYAmt>
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      <AccountsPayableAccrExpnssGrp>
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      <DeferredRevenueGrp>
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        <EOYAmt>819733</EOYAmt>
      </DeferredRevenueGrp>
      <OtherLiabilitiesGrp>
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        <EOYAmt>599167346</EOYAmt>
      </OtherLiabilitiesGrp>
      <TotalLiabilitiesGrp>
        <BOYAmt>566141738</BOYAmt>
        <EOYAmt>609928099</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
      <CapStkTrPrinCurrentFundsGrp>
        <BOYAmt>26000000</BOYAmt>
        <EOYAmt>29000000</EOYAmt>
      </CapStkTrPrinCurrentFundsGrp>
      <RtnEarnEndowmentIncmOthFndsGrp>
        <BOYAmt>31724381</BOYAmt>
        <EOYAmt>38782178</EOYAmt>
      </RtnEarnEndowmentIncmOthFndsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>57724381</BOYAmt>
        <EOYAmt>67782178</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>623866119</BOYAmt>
        <EOYAmt>677710277</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>7464676</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>833063</NetUnrlzdGainsLossesInvstAmt>
      <OtherChangesInNetAssetsAmt>1760059</OtherChangesInNetAssetsAmt>
      <InfoInScheduleOPartXIIInd>X</InfoInScheduleOPartXIIInd>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <AcctCompileOrReviewBasisGrp>
        <ConsolidatedBasisFinclStmtInd>X</ConsolidatedBasisFinclStmtInd>
      </AcctCompileOrReviewBasisGrp>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
        <ConsolidatedBasisFinclStmtInd>X</ConsolidatedBasisFinclStmtInd>
      </FSAuditedBasisGrp>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleD documentId="IRS990ScheduleD-193-Copy1">
      <LandGrp>
        <OtherCostOrOtherBasisAmt>6140889</OtherCostOrOtherBasisAmt>
        <BookValueAmt>6140889</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>14094388</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>6672907</DepreciationAmt>
        <BookValueAmt>7421481</BookValueAmt>
      </BuildingsGrp>
      <LeaseholdImprovementsGrp>
        <OtherCostOrOtherBasisAmt>958613</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>149820</DepreciationAmt>
        <BookValueAmt>808793</BookValueAmt>
      </LeaseholdImprovementsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>6532145</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>5242218</DepreciationAmt>
        <BookValueAmt>1289927</BookValueAmt>
      </EquipmentGrp>
      <OtherLandBuildingsGrp>
        <OtherCostOrOtherBasisAmt>715656</OtherCostOrOtherBasisAmt>
        <BookValueAmt>715656</BookValueAmt>
      </OtherLandBuildingsGrp>
      <TotalBookValueLandBuildingsAmt>16376746</TotalBookValueLandBuildingsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>Member deposits</Desc>
        <Amt>596425346</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>Nonmember deposits</Desc>
        <Amt>2642000</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>Allowance for unfunded</Desc>
        <Amt>100000</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>599167346</TotalLiabilityAmt>
    </IRS990ScheduleD>
    <IRS990ScheduleJ documentId="IRS990ScheduleJ-206-Copy1">
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>DONNA YOUNG</PersonNm>
        <TitleTxt>President</TitleTxt>
        <BaseCompensationFilingOrgAmt>558156</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>92858</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>262616</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>16712</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>930342</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>LAURA WILLIAMSON</PersonNm>
        <TitleTxt>EVP</TitleTxt>
        <BaseCompensationFilingOrgAmt>362555</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>66358</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>201576</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>16712</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>647201</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>ROB BYRD</PersonNm>
        <TitleTxt>CFO</TitleTxt>
        <BaseCompensationFilingOrgAmt>213966</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>40851</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>17974</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>22280</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>295071</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>MATT MIELKE</PersonNm>
        <TitleTxt>VP IT</TitleTxt>
        <BaseCompensationFilingOrgAmt>184839</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>36941</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>10829</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>21212</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>253821</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>JENNIFER RAWLS</PersonNm>
        <TitleTxt>VP Lending</TitleTxt>
        <BaseCompensationFilingOrgAmt>175525</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>33764</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>80093</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>13442</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>302824</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>KALLAR MCCOWN</PersonNm>
        <TitleTxt>VP Branch Operations</TitleTxt>
        <BaseCompensationFilingOrgAmt>166495</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>30849</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>10399</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>129</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>207872</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>WILLIAM FRYE</PersonNm>
        <TitleTxt>VP Marketing</TitleTxt>
        <BaseCompensationFilingOrgAmt>158254</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>35870</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>55014</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>22280</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>271418</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>KRAIG VAN DYKE</PersonNm>
        <TitleTxt>IT Manager</TitleTxt>
        <BaseCompensationFilingOrgAmt>108011</BaseCompensationFilingOrgAmt>
        <BonusFilingOrganizationAmount>12225</BonusFilingOrganizationAmount>
        <DeferredCompensationFlngOrgAmt>9042</DeferredCompensationFlngOrgAmt>
        <NontaxableBenefitsFilingOrgAmt>22253</NontaxableBenefitsFilingOrgAmt>
        <TotalCompensationFilingOrgAmt>151531</TotalCompensationFilingOrgAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
    </IRS990ScheduleJ>
    <IRS990ScheduleL documentId="IRS990ScheduleL-208-Copy1">
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>ROB BYRD</PersonNm>
        <RelationshipWithOrgTxt>Officer</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Mortgage</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>288000</OriginalPrincipalAmt>
        <BalanceDueAmt>129000</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>WILLIAM FRYE</PersonNm>
        <RelationshipWithOrgTxt>Key Employee</RelationshipWithOrgTxt>
        <LoanPurposeTxt>HELOC</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>20000</OriginalPrincipalAmt>
        <BalanceDueAmt>779</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>JENNIFER RAWLS</PersonNm>
        <RelationshipWithOrgTxt>Key Employee</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Vehicle</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>52023</OriginalPrincipalAmt>
        <BalanceDueAmt>5146</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>ROBERTA HILL</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>HELOC</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>160000</OriginalPrincipalAmt>
        <BalanceDueAmt>111825</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>LELAN STATOM</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Consumer</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>3600</OriginalPrincipalAmt>
        <BalanceDueAmt>3291</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>KAREN CLABOUGH</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Mortgage</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>259000</OriginalPrincipalAmt>
        <BalanceDueAmt>236669</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>KAREN CLABOUGH</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>HELOC</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>15000</OriginalPrincipalAmt>
        <BalanceDueAmt>8633</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>SPENCER SMITH</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Line of Credit</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>500</OriginalPrincipalAmt>
        <BalanceDueAmt>500</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <TotalBalanceDueAmt>495843</TotalBalanceDueAmt>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="IRS990ScheduleO-213-Copy1">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 1a</FormAndLineReferenceDesc>
        <ExplanationTxt>None</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>No separate classes of members</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>All members are eligible to vote for directors on date of annual meeting</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>All members have equal voting rights</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 7b</FormAndLineReferenceDesc>
        <ExplanationTxt>Certain decisions could require approval of membership</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 7b</FormAndLineReferenceDesc>
        <ExplanationTxt>based on bylaws or regulations</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>Available upon request</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 15a or b</FormAndLineReferenceDesc>
        <ExplanationTxt>Compensation for President is set by Directors annually after review of</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 15a or b</FormAndLineReferenceDesc>
        <ExplanationTxt>independent data</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>Available upon request</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part VI Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>Certain financial information is publicly displayed in branch offices</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part XI Line 9</FormAndLineReferenceDesc>
        <ExplanationTxt>AOCI - defined benefit plan</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part XII Line 2c</FormAndLineReferenceDesc>
        <ExplanationTxt>Board of Directors</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part III Line 4d</FormAndLineReferenceDesc>
        <ExplanationTxt>Expenses: $1896976.00 including grants of: $0.00 Revenue: $0.00</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part III Line 4d</FormAndLineReferenceDesc>
        <ExplanationTxt>Card processing</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part III Line 4d</FormAndLineReferenceDesc>
        <ExplanationTxt>Expenses: $1316337.00 including grants of: $0.00 Revenue: $0.00</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Part III Line 4d</FormAndLineReferenceDesc>
        <ExplanationTxt>Loan servicing</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>