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        <FundraisingAmt>0</FundraisingAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <InformationTechnologyGrp>
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        <ProgramServicesAmt>825386</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <OccupancyGrp>
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        <ProgramServicesAmt>255749</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <ConferencesMeetingsGrp>
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        <ProgramServicesAmt>79102</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <InterestGrp>
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        <ProgramServicesAmt>2508</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <InsuranceGrp>
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        <ProgramServicesAmt>59872</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <OtherExpensesGrp>
        <Desc>Operating Fee</Desc>
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        <ProgramServicesAmt>31344</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <OtherExpensesGrp>
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        <FundraisingAmt>0</FundraisingAmt>
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      <OtherExpensesGrp>
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        <FundraisingAmt>0</FundraisingAmt>
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        <EOYAmt>19190578</EOYAmt>
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      <OthNotesLoansReceivableNetGrp>
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      <PrepaidExpensesDefrdChargesGrp>
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        <EOYAmt>610577</EOYAmt>
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      <LandBldgEquipCostOrOtherBssAmt>3053337</LandBldgEquipCostOrOtherBssAmt>
      <LandBldgEquipAccumDeprecAmt>2716949</LandBldgEquipAccumDeprecAmt>
      <LandBldgEquipBasisNetGrp>
        <BOYAmt>467166</BOYAmt>
        <EOYAmt>336388</EOYAmt>
      </LandBldgEquipBasisNetGrp>
      <OtherAssetsTotalGrp>
        <BOYAmt>4136852</BOYAmt>
        <EOYAmt>9105703</EOYAmt>
      </OtherAssetsTotalGrp>
      <TotalAssetsGrp>
        <BOYAmt>117877545</BOYAmt>
        <EOYAmt>122543708</EOYAmt>
      </TotalAssetsGrp>
      <AccountsPayableAccrExpnssGrp>
        <BOYAmt>1529153</BOYAmt>
        <EOYAmt>1359754</EOYAmt>
      </AccountsPayableAccrExpnssGrp>
      <OtherLiabilitiesGrp>
        <BOYAmt>104396594</BOYAmt>
        <EOYAmt>108984323</EOYAmt>
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      <TotalLiabilitiesGrp>
        <BOYAmt>105925747</BOYAmt>
        <EOYAmt>110344077</EOYAmt>
      </TotalLiabilitiesGrp>
      <OrgDoesNotFollowFASB117Ind>X</OrgDoesNotFollowFASB117Ind>
      <RtnEarnEndowmentIncmOthFndsGrp>
        <BOYAmt>11951798</BOYAmt>
        <EOYAmt>12199631</EOYAmt>
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      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>11951798</BOYAmt>
        <EOYAmt>12199631</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>117877545</BOYAmt>
        <EOYAmt>122543708</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <InfoInScheduleOPartXIInd>X</InfoInScheduleOPartXIInd>
      <ReconcilationRevenueExpnssAmt>30344</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>217489</NetUnrlzdGainsLossesInvstAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
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    <IRS990ScheduleD documentId="IRS990ScheduleD-01" softwareId="25022686">
      <LandGrp>
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        <BookValueAmt>0</BookValueAmt>
      </LandGrp>
      <LeaseholdImprovementsGrp>
        <OtherCostOrOtherBasisAmt>1415163</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>1267256</DepreciationAmt>
        <BookValueAmt>147907</BookValueAmt>
      </LeaseholdImprovementsGrp>
      <EquipmentGrp>
        <OtherCostOrOtherBasisAmt>1638174</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>1449693</DepreciationAmt>
        <BookValueAmt>188481</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>336388</TotalBookValueLandBuildingsAmt>
      <OtherAssetsOrgGrp>
        <Desc>Deposits</Desc>
        <BookValueAmt>5195880</BookValueAmt>
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      <OtherAssetsOrgGrp>
        <Desc>Life Policies</Desc>
        <BookValueAmt>2527681</BookValueAmt>
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      <OtherAssetsOrgGrp>
        <Desc>Other</Desc>
        <BookValueAmt>1382142</BookValueAmt>
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      <TotalBookValueOtherAssetsAmt>9105703</TotalBookValueOtherAssetsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>Member Share and Savings Accounts</Desc>
        <Amt>108984323</Amt>
      </OtherLiabilitiesOrgGrp>
      <TotalLiabilityAmt>108984323</TotalLiabilityAmt>
      <TotalRevEtcAuditedFinclStmtAmt>10235501</TotalRevEtcAuditedFinclStmtAmt>
      <RevenueSubtotalAmt>10235501</RevenueSubtotalAmt>
      <TotalRevenuePerForm990Amt>10235501</TotalRevenuePerForm990Amt>
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      <ExpensesSubtotalAmt>10205157</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>10205157</TotalExpensesPerForm990Amt>
    </IRS990ScheduleD>
    <IRS990ScheduleJ documentId="IRS990ScheduleJ-01">
      <SeverancePaymentInd>false</SeverancePaymentInd>
      <SupplementalNonqualRtrPlanInd>false</SupplementalNonqualRtrPlanInd>
      <EquityBasedCompArrngmInd>false</EquityBasedCompArrngmInd>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>Lily Newfarmer</PersonNm>
        <BaseCompensationFilingOrgAmt>278198</BaseCompensationFilingOrgAmt>
        <CompensationBasedOnRltdOrgsAmt>0</CompensationBasedOnRltdOrgsAmt>
        <BonusFilingOrganizationAmount>20000</BonusFilingOrganizationAmount>
        <BonusRelatedOrganizationsAmt>0</BonusRelatedOrganizationsAmt>
        <OtherCompensationFilingOrgAmt>0</OtherCompensationFilingOrgAmt>
        <OtherCompensationRltdOrgsAmt>0</OtherCompensationRltdOrgsAmt>
        <DeferredCompensationFlngOrgAmt>13910</DeferredCompensationFlngOrgAmt>
        <DeferredCompRltdOrgsAmt>0</DeferredCompRltdOrgsAmt>
        <NontaxableBenefitsFilingOrgAmt>8719</NontaxableBenefitsFilingOrgAmt>
        <NontaxableBenefitsRltdOrgsAmt>0</NontaxableBenefitsRltdOrgsAmt>
        <TotalCompensationFilingOrgAmt>320827</TotalCompensationFilingOrgAmt>
        <TotalCompensationRltdOrgsAmt>0</TotalCompensationRltdOrgsAmt>
        <CompReportPrior990FilingOrgAmt>0</CompReportPrior990FilingOrgAmt>
        <CompReportPrior990RltdOrgsAmt>0</CompReportPrior990RltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
      <RltdOrgOfficerTrstKeyEmplGrp>
        <PersonNm>Carla Reeves</PersonNm>
        <BaseCompensationFilingOrgAmt>189175</BaseCompensationFilingOrgAmt>
        <CompensationBasedOnRltdOrgsAmt>0</CompensationBasedOnRltdOrgsAmt>
        <BonusFilingOrganizationAmount>5426</BonusFilingOrganizationAmount>
        <BonusRelatedOrganizationsAmt>0</BonusRelatedOrganizationsAmt>
        <OtherCompensationFilingOrgAmt>0</OtherCompensationFilingOrgAmt>
        <OtherCompensationRltdOrgsAmt>0</OtherCompensationRltdOrgsAmt>
        <DeferredCompensationFlngOrgAmt>9458</DeferredCompensationFlngOrgAmt>
        <DeferredCompRltdOrgsAmt>0</DeferredCompRltdOrgsAmt>
        <NontaxableBenefitsFilingOrgAmt>8723</NontaxableBenefitsFilingOrgAmt>
        <NontaxableBenefitsRltdOrgsAmt>0</NontaxableBenefitsRltdOrgsAmt>
        <TotalCompensationFilingOrgAmt>212782</TotalCompensationFilingOrgAmt>
        <TotalCompensationRltdOrgsAmt>0</TotalCompensationRltdOrgsAmt>
        <CompReportPrior990FilingOrgAmt>0</CompReportPrior990FilingOrgAmt>
        <CompReportPrior990RltdOrgsAmt>0</CompReportPrior990RltdOrgsAmt>
      </RltdOrgOfficerTrstKeyEmplGrp>
    </IRS990ScheduleJ>
    <IRS990ScheduleL documentId="IRS990ScheduleL-01" softwareId="25022686">
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Karen Knight</PersonNm>
        <RelationshipWithOrgTxt>VP</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Misc</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>250920</OriginalPrincipalAmt>
        <BalanceDueAmt>31218</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Carla Reaves</PersonNm>
        <RelationshipWithOrgTxt>VP</RelationshipWithOrgTxt>
        <LoanPurposeTxt>CC</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>15000</OriginalPrincipalAmt>
        <BalanceDueAmt>32</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Alan Thomas</PersonNm>
        <RelationshipWithOrgTxt>Bd Chair</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Misc</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>218224</OriginalPrincipalAmt>
        <BalanceDueAmt>61069</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Craig Maxwell</PersonNm>
        <RelationshipWithOrgTxt>Vice Chair</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Misc</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>25000</OriginalPrincipalAmt>
        <BalanceDueAmt>2716</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Travis Yarbrough</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Auto</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>41159</OriginalPrincipalAmt>
        <BalanceDueAmt>14747</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Jennifer Mitchell</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Misc</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>300000</OriginalPrincipalAmt>
        <BalanceDueAmt>108842</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Darlene Parker</PersonNm>
        <RelationshipWithOrgTxt>VP</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Misc</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>88889</OriginalPrincipalAmt>
        <BalanceDueAmt>57805</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Jenny Hamilton</PersonNm>
        <RelationshipWithOrgTxt>VP</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Misc</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>35978</OriginalPrincipalAmt>
        <BalanceDueAmt>14489</BalanceDueAmt>
        <DefaultInd>false</DefaultInd>
        <BoardOrCommitteeApprovalInd>true</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>true</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <TotalBalanceDueAmt>290918</TotalBalanceDueAmt>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="IRS990ScheduleO-01" softwareId="25022686">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>Member owned credit union</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>Member owned credit union elects Board of Directors</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 8a</FormAndLineReferenceDesc>
        <ExplanationTxt>All meetings are documented by written Minutes</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 10b</FormAndLineReferenceDesc>
        <ExplanationTxt>Written policies and procedures are in place for all branches</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>Board reviewed Form 990 before filing</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>All employees sign handbook acknowledgement requiring compliance with the Conflict of Interest Policy</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>The Board considers industry comps in the area, and reviews accomplishments of predetermined goals before setting the salary and any related increases</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt XI</FormAndLineReferenceDesc>
        <ExplanationTxt>CECL Adjustment posted to Undivided Earnings</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>