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      <PhoneNum>2253426618</PhoneNum>
      <SignatureDt>2026-08-17</SignatureDt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>Jeffrey Travis</PersonNm>
        <TitleTxt>Director</TitleTxt>
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        <AverageHoursPerWeekRltdOrgRt>0</AverageHoursPerWeekRltdOrgRt>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
      </Form990PartVIISectionAGrp>
      <Form990PartVIISectionAGrp>
        <PersonNm>Edward Dusty Bickham</PersonNm>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>Darrell Vannoy</PersonNm>
        <TitleTxt>Director</TitleTxt>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>Misty Stagg</PersonNm>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
        <OtherCompensationAmt>0</OtherCompensationAmt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>Ryan V Horvath</PersonNm>
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        <AverageHoursPerWeekRltdOrgRt>0</AverageHoursPerWeekRltdOrgRt>
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      <Form990PartVIISectionAGrp>
        <PersonNm>Deborah M Dauzat</PersonNm>
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        <PersonNm>Kristen Thomas</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>Kenny Loftin</PersonNm>
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      <Form990PartVIISectionAGrp>
        <PersonNm>Gary Wescott</PersonNm>
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        <ReportableCompFromRltdOrgAmt>0</ReportableCompFromRltdOrgAmt>
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      <TotReportableCompRltdOrgAmt>0</TotReportableCompRltdOrgAmt>
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        <Desc>Miscellaneous</Desc>
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      <GrantsToDomesticOrgsGrp>
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      <GrantsToDomesticIndividualsGrp>
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      <ForeignGrantsGrp>
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      <BenefitsToMembersGrp>
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      <LoansBtwnOrgInterestedPrsnGrp>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Chad Menzina</PersonNm>
        <RelationshipWithOrgTxt>Spouse of Management</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
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        <BalanceDueAmt>495385</BalanceDueAmt>
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      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Chad Menzina</PersonNm>
        <RelationshipWithOrgTxt>Spouse of Management</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Share Secured</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Chad Menzina</PersonNm>
        <RelationshipWithOrgTxt>Spouse of Management</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <BalanceDueAmt>164570</BalanceDueAmt>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Seth Smith</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Recreational Vehicle</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>19695</OriginalPrincipalAmt>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Seth Smith</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Recreational Vehicle</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Seth Smith</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Recreational Vehicle</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Seth Smith</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Signature</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>10000</OriginalPrincipalAmt>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>George Dauzat</PersonNm>
        <RelationshipWithOrgTxt>Spouse of Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Signature</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>25000</OriginalPrincipalAmt>
        <BalanceDueAmt>13654</BalanceDueAmt>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Travis Day</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Recreational Vehicle</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
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      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Travis Day</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Signature</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>18470</OriginalPrincipalAmt>
        <BalanceDueAmt>847</BalanceDueAmt>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Travis Day</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Darrel Vannoy</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Darrel Vannoy</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Signature</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
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      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>James Rogers</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>5000</OriginalPrincipalAmt>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
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      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Benny Harris</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Benny Harris</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Marcus Myers</PersonNm>
        <RelationshipWithOrgTxt>Associate Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Share Secured</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Eugenie Powers</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Perry Stagg</PersonNm>
        <RelationshipWithOrgTxt>Spouse of Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Vicki Estess</PersonNm>
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        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Vicki Estess</PersonNm>
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        <LoanPurposeTxt>Disaster Recovery</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Karen Hays</PersonNm>
        <RelationshipWithOrgTxt>Management</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Dedra Francis</PersonNm>
        <RelationshipWithOrgTxt>Management</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Over Draft Protection</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Curtis Fremin</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Share Secured</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Jeffery Travis</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Jeffery Travis</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Jeffery Travis</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Recreational Vehicle</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Jeffery Travis</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Used Auto</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Morgan Leblanc</PersonNm>
        <RelationshipWithOrgTxt>Committee Member</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Cheryl Dees</PersonNm>
        <RelationshipWithOrgTxt>Supervisory Committee Chair</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Share Secured</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Angela Whittaker</PersonNm>
        <RelationshipWithOrgTxt>Committee Member</RelationshipWithOrgTxt>
        <LoanPurposeTxt>New Auto</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Deborah Michelle Dauzat</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Deborah Michelle Dauzat</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
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        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Darian Brent Thompson</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Signature</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Darian Brent Thompson</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Used Auto</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
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        <LoanPurposeTxt>New Auto</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Andrea Buttross</PersonNm>
        <RelationshipWithOrgTxt>Committee Member</RelationshipWithOrgTxt>
        <LoanPurposeTxt>New Auto</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Burl Cain</PersonNm>
        <RelationshipWithOrgTxt>Director-Chairman</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Burl Cain</PersonNm>
        <RelationshipWithOrgTxt>Director-Chairman</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Burl Cain</PersonNm>
        <RelationshipWithOrgTxt>Director-Chairman</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Used Auto</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>25500</OriginalPrincipalAmt>
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      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Michael Ranatza</PersonNm>
        <RelationshipWithOrgTxt>Spouse of Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>200000</OriginalPrincipalAmt>
        <BalanceDueAmt>162333</BalanceDueAmt>
        <DefaultInd>0</DefaultInd>
        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Michael Moore</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>10000</OriginalPrincipalAmt>
        <BalanceDueAmt>3789</BalanceDueAmt>
        <DefaultInd>0</DefaultInd>
        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Ronald Granier</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Real Estate</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>134000</OriginalPrincipalAmt>
        <BalanceDueAmt>43086</BalanceDueAmt>
        <DefaultInd>0</DefaultInd>
        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <LoansBtwnOrgInterestedPrsnGrp>
        <PersonNm>Ronald Granier</PersonNm>
        <RelationshipWithOrgTxt>Director</RelationshipWithOrgTxt>
        <LoanPurposeTxt>Visa</LoanPurposeTxt>
        <LoanFromOrganizationInd>X</LoanFromOrganizationInd>
        <OriginalPrincipalAmt>15000</OriginalPrincipalAmt>
        <BalanceDueAmt>15</BalanceDueAmt>
        <DefaultInd>0</DefaultInd>
        <BoardOrCommitteeApprovalInd>1</BoardOrCommitteeApprovalInd>
        <WrittenAgreementInd>1</WrittenAgreementInd>
      </LoansBtwnOrgInterestedPrsnGrp>
      <TotalBalanceDueAmt>2816041</TotalBalanceDueAmt>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="R000005" softwareId="25022730" softwareVersionNum="v1.00">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 6</FormAndLineReferenceDesc>
        <ExplanationTxt>The credit union treats the liability from member deposits as shares of membership. The members do not have any interests other than the value of their account balance.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section A, Line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>The members elect the board of directors</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>Senior management reviews the 990 before filing.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section B, Line 15</FormAndLineReferenceDesc>
        <ExplanationTxt>The independent board members review and approve other officer or key employee compensation. The independent board members review and approve all compensation.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Form 990, Part VI, Section C, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>Governing documents are available to the public at the main office during the credit union's normal business hours.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
    <ReasonableCauseExplanation documentId="R000006" softwareId="25022730" softwareVersionNum="v1.00">
      <ExplanationTxt>Form 8868 was submitted and approved which allowed until November 15,2026 to file Form 990 electronically.</ExplanationTxt>
    </ReasonableCauseExplanation>
  </ReturnData>
</Return>