401k Plan data: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN plan

METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 401k Plan overview

Plan Name	METRO CREDIT UNION 401(K) SAFE HARBOR PLAN
Plan identification number	002

METRO CREDIT UNION 401(K) SAFE HARBOR PLAN Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Participant-directed brokerage accounts provided as an investment option under the plan.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.

401k Sponsoring company profile

METRO CU FEDERAL CREDIT UNION has sponsored the creation of one or more 401k plans.

Company Name: METRO CU FEDERAL CREDIT UNION

Employer identification number (EIN): 476026142

NAIC Classification: 522130
NAIC Description: Credit Unions

Form 5500 Filing Information

Submission information for form 5500 for 401k plan METRO CREDIT UNION 401(K) SAFE HARBOR PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2023-01-01 MARILYN DOBSON 2024-10-02
002 2022-01-01 MARILYN DOBSON 2023-10-10
002 2021-01-01
002 2021-01-01 MARILYN DOBSON
002 2020-01-01
002 2019-01-01
002 2017-01-01 AMY EIKENBARY
002 2016-01-01 AMY EIKENBARY
002 2015-01-01 AMY EIKENBARY
002 2014-01-01 AMY EIKENBARY AMY EIKENBARY 2015-10-15
002 2013-01-01 AMY EIKENBARY 2014-07-15 AMY EIKENBARY 2014-07-15
002 2012-01-01 AMY EIKENBARY 2013-06-27
002 2011-01-01 AMY EIKENBARY 2012-07-27
002 2010-01-01 AMY EIKENBARY 2011-09-12

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed	Name of Company Sponsor	Date Sponsor Signed
002	2023-01-01	MARILYN DOBSON	2024-10-02
002	2022-01-01	MARILYN DOBSON	2023-10-10
002	2021-01-01
002	2021-01-01	MARILYN DOBSON
002	2020-01-01
002	2019-01-01
002	2017-01-01	AMY EIKENBARY
002	2016-01-01	AMY EIKENBARY
002	2015-01-01	AMY EIKENBARY
002	2014-01-01	AMY EIKENBARY		AMY EIKENBARY	2015-10-15
002	2013-01-01	AMY EIKENBARY	2014-07-15	AMY EIKENBARY	2014-07-15
002	2012-01-01	AMY EIKENBARY	2013-06-27
002	2011-01-01	AMY EIKENBARY	2012-07-27
002	2010-01-01	AMY EIKENBARY	2011-09-12

Plan Statistics for METRO CREDIT UNION 401(K) SAFE HARBOR PLAN

401k plan membership statisitcs for METRO CREDIT UNION 401(K) SAFE HARBOR PLAN

Measure Date Value
2023: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2023 401k membership
Total participants, beginning-of-year 2023-01-01 138
Total number of active participants reported on line 7a of the Form 5500 2023-01-01 105
Number of retired or separated participants receiving benefits 2023-01-01 7
Number of other retired or separated participants entitled to future benefits 2023-01-01 24
Total of all active and inactive participants 2023-01-01 136
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2023-01-01 0
Total participants 2023-01-01 136
Number of participants with account balances 2023-01-01 119
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2023-01-01 3
2022: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2022 401k membership
Total participants, beginning-of-year 2022-01-01 145
Total number of active participants reported on line 7a of the Form 5500 2022-01-01 112
Number of retired or separated participants receiving benefits 2022-01-01 9
Number of other retired or separated participants entitled to future benefits 2022-01-01 17
Total of all active and inactive participants 2022-01-01 138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2022-01-01 0
Total participants 2022-01-01 138
Number of participants with account balances 2022-01-01 132
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2022-01-01 8
2021: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2021 401k membership
Total participants, beginning-of-year 2021-01-01 155
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 120
Number of retired or separated participants receiving benefits 2021-01-01 9
Number of other retired or separated participants entitled to future benefits 2021-01-01 16
Total of all active and inactive participants 2021-01-01 145
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 145
Number of participants with account balances 2021-01-01 135
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 0
2020: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2020 401k membership
Total participants, beginning-of-year 2020-01-01 139
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 126
Number of retired or separated participants receiving benefits 2020-01-01 9
Number of other retired or separated participants entitled to future benefits 2020-01-01 15
Total of all active and inactive participants 2020-01-01 150
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 150
Number of participants with account balances 2020-01-01 143
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 1
2019: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2019 401k membership
Total participants, beginning-of-year 2019-01-01 155
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 114
Number of retired or separated participants receiving benefits 2019-01-01 13
Number of other retired or separated participants entitled to future benefits 2019-01-01 10
Total of all active and inactive participants 2019-01-01 137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 137
Number of participants with account balances 2019-01-01 130
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 2
2017: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2017 401k membership
Total participants, beginning-of-year 2017-01-01 147
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 118
Number of retired or separated participants receiving benefits 2017-01-01 16
Number of other retired or separated participants entitled to future benefits 2017-01-01 8
Total of all active and inactive participants 2017-01-01 142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 142
Number of participants with account balances 2017-01-01 132
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 12
2016: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2016 401k membership
Total participants, beginning-of-year 2016-01-01 124
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 113
Number of retired or separated participants receiving benefits 2016-01-01 4
Number of other retired or separated participants entitled to future benefits 2016-01-01 21
Total of all active and inactive participants 2016-01-01 138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 138
Number of participants with account balances 2016-01-01 22
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 0
2015: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2015 401k membership
Total participants, beginning-of-year 2015-01-01 133
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 105
Number of retired or separated participants receiving benefits 2015-01-01 4
Number of other retired or separated participants entitled to future benefits 2015-01-01 9
Total of all active and inactive participants 2015-01-01 118
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 118
Number of participants with account balances 2015-01-01 118
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 19
2014: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 130
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 105
Number of retired or separated participants receiving benefits 2014-01-01 1
Number of other retired or separated participants entitled to future benefits 2014-01-01 11
Total of all active and inactive participants 2014-01-01 117
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 117
Number of participants with account balances 2014-01-01 117
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 18

Measure	Date	Value
2023: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2023 401k membership
Total participants, beginning-of-year	2023-01-01	138
Total number of active participants reported on line 7a of the Form 5500	2023-01-01	105
Number of retired or separated participants receiving benefits	2023-01-01	7
Number of other retired or separated participants entitled to future benefits	2023-01-01	24
Total of all active and inactive participants	2023-01-01	136
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2023-01-01	0
Total participants	2023-01-01	136
Number of participants with account balances	2023-01-01	119
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2023-01-01	3
2022: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2022 401k membership
Total participants, beginning-of-year	2022-01-01	145
Total number of active participants reported on line 7a of the Form 5500	2022-01-01	112
Number of retired or separated participants receiving benefits	2022-01-01	9
Number of other retired or separated participants entitled to future benefits	2022-01-01	17
Total of all active and inactive participants	2022-01-01	138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2022-01-01	0
Total participants	2022-01-01	138
Number of participants with account balances	2022-01-01	132
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2022-01-01	8
2021: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2021 401k membership
Total participants, beginning-of-year	2021-01-01	155
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	120
Number of retired or separated participants receiving benefits	2021-01-01	9
Number of other retired or separated participants entitled to future benefits	2021-01-01	16
Total of all active and inactive participants	2021-01-01	145
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	145
Number of participants with account balances	2021-01-01	135
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	0
2020: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2020 401k membership
Total participants, beginning-of-year	2020-01-01	139
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	126
Number of retired or separated participants receiving benefits	2020-01-01	9
Number of other retired or separated participants entitled to future benefits	2020-01-01	15
Total of all active and inactive participants	2020-01-01	150
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	150
Number of participants with account balances	2020-01-01	143
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	1
2019: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2019 401k membership
Total participants, beginning-of-year	2019-01-01	155
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	114
Number of retired or separated participants receiving benefits	2019-01-01	13
Number of other retired or separated participants entitled to future benefits	2019-01-01	10
Total of all active and inactive participants	2019-01-01	137
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	137
Number of participants with account balances	2019-01-01	130
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	2
2017: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2017 401k membership
Total participants, beginning-of-year	2017-01-01	147
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	118
Number of retired or separated participants receiving benefits	2017-01-01	16
Number of other retired or separated participants entitled to future benefits	2017-01-01	8
Total of all active and inactive participants	2017-01-01	142
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	142
Number of participants with account balances	2017-01-01	132
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	12
2016: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2016 401k membership
Total participants, beginning-of-year	2016-01-01	124
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	113
Number of retired or separated participants receiving benefits	2016-01-01	4
Number of other retired or separated participants entitled to future benefits	2016-01-01	21
Total of all active and inactive participants	2016-01-01	138
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	138
Number of participants with account balances	2016-01-01	22
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	0
2015: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2015 401k membership
Total participants, beginning-of-year	2015-01-01	133
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	105
Number of retired or separated participants receiving benefits	2015-01-01	4
Number of other retired or separated participants entitled to future benefits	2015-01-01	9
Total of all active and inactive participants	2015-01-01	118
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	118
Number of participants with account balances	2015-01-01	118
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	19
2014: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	130
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	105
Number of retired or separated participants receiving benefits	2014-01-01	1
Number of other retired or separated participants entitled to future benefits	2014-01-01	11
Total of all active and inactive participants	2014-01-01	117
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	117
Number of participants with account balances	2014-01-01	117
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	18

Financial Data on METRO CREDIT UNION 401(K) SAFE HARBOR PLAN

Measure	Date	Value
2023 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2023 401k financial data
Total unrealized appreciation/depreciation of assets	2023-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-12-31	$0
Total income from all sources (including contributions)	2023-12-31	$2,212,825
Total loss/gain on sale of assets	2023-12-31	$0
Total of all expenses incurred	2023-12-31	$321,671
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2023-12-31	$270,663
Expenses. Certain deemed distributions of participant loans	2023-12-31	$10,382
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2023-12-31	$707,492
Value of total assets at end of year	2023-12-31	$11,919,218
Value of total assets at beginning of year	2023-12-31	$10,028,064
Total of administrative expenses incurred including professional, contract, advisory and management fees	2023-12-31	$40,626
Total interest from all sources	2023-12-31	$54,623
Total dividends received (eg from common stock, registered investment company shares)	2023-12-31	$157,102
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2023-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2023-12-31	$157,102
Was this plan covered by a fidelity bond	2023-12-31	Yes
Value of fidelity bond cover	2023-12-31	$500,000
If this is an individual account plan, was there a blackout period	2023-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2023-12-31	No
Contributions received from participants	2023-12-31	$419,716
Participant contributions at end of year	2023-12-31	$333,382
Participant contributions at beginning of year	2023-12-31	$297,496
Participant contributions at end of year	2023-12-31	$16,806
Participant contributions at beginning of year	2023-12-31	$16,909
Assets. Other investments not covered elsewhere at end of year	2023-12-31	$712,528
Assets. Other investments not covered elsewhere at beginning of year	2023-12-31	$635,310
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-12-31	No
Value of net income/loss	2023-12-31	$1,891,154
Value of net assets at end of year (total assets less liabilities)	2023-12-31	$11,919,218
Value of net assets at beginning of year (total assets less liabilities)	2023-12-31	$10,028,064
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2023-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2023-12-31	No
Were any leases to which the plan was party in default or uncollectible	2023-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2023-12-31	$7,079,818
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2023-12-31	$5,795,955
Income. Interest from loans (other than to participants)	2023-12-31	$19,393
Value of interest in common/collective trusts at end of year	2023-12-31	$2,035,594
Value of interest in common/collective trusts at beginning of year	2023-12-31	$1,435,475
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2023-12-31	$35,230
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2023-12-31	$1,729,227
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2023-12-31	$1,835,106
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2023-12-31	$999,820
Net investment gain or loss from common/collective trusts	2023-12-31	$293,788
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2023-12-31	No
Was there a failure to transmit to the plan any participant contributions	2023-12-31	No
Has the plan failed to provide any benefit when due under the plan	2023-12-31	No
Contributions received in cash from employer	2023-12-31	$287,776
Employer contributions (assets) at end of year	2023-12-31	$11,863
Employer contributions (assets) at beginning of year	2023-12-31	$11,813
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2023-12-31	$270,663
Contract administrator fees	2023-12-31	$40,626
Did the plan have assets held for investment	2023-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2023-12-31	No
Opinion of an independent qualified public accountant for this plan	2023-12-31	Unqualified
Accountancy firm name	2023-12-31	LUTZ AND COMPANY, P.C.
Accountancy firm EIN	2023-12-31	470625816
Total unrealized appreciation/depreciation of assets	2023-01-01	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-01-01	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2023-01-01	$0
Total income from all sources (including contributions)	2023-01-01	$2,212,825
Total loss/gain on sale of assets	2023-01-01	$0
Total of all expenses incurred	2023-01-01	$321,671
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2023-01-01	$270,663
Expenses. Certain deemed distributions of participant loans	2023-01-01	$10,382
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2023-01-01	$707,492
Value of total assets at end of year	2023-01-01	$11,919,218
Value of total assets at beginning of year	2023-01-01	$10,028,064
Total of administrative expenses incurred including professional, contract, advisory and management fees	2023-01-01	$40,626
Total interest from all sources	2023-01-01	$54,623
Total dividends received (eg from common stock, registered investment company shares)	2023-01-01	$157,102
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2023-01-01	No
Total dividends received from registered investment company shares (eg mutual funds)	2023-01-01	$157,102
Was this plan covered by a fidelity bond	2023-01-01	Yes
Value of fidelity bond cover	2023-01-01	$500,000
If this is an individual account plan, was there a blackout period	2023-01-01	No
Were there any nonexempt tranactions with any party-in-interest	2023-01-01	No
Contributions received from participants	2023-01-01	$419,716
Participant contributions at end of year	2023-01-01	$333,382
Participant contributions at beginning of year	2023-01-01	$297,496
Participant contributions at end of year	2023-01-01	$16,806
Participant contributions at beginning of year	2023-01-01	$16,909
Assets. Other investments not covered elsewhere at end of year	2023-01-01	$712,528
Assets. Other investments not covered elsewhere at beginning of year	2023-01-01	$635,310
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-01-01	No
Value of net income/loss	2023-01-01	$1,891,154
Value of net assets at end of year (total assets less liabilities)	2023-01-01	$11,919,218
Value of net assets at beginning of year (total assets less liabilities)	2023-01-01	$10,028,064
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2023-01-01	No
Were any loans by the plan or fixed income obligations due to the plan in default	2023-01-01	No
Were any leases to which the plan was party in default or uncollectible	2023-01-01	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2023-01-01	$7,079,818
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2023-01-01	$5,795,955
Income. Interest from loans (other than to participants)	2023-01-01	$19,393
Value of interest in common/collective trusts at end of year	2023-01-01	$2,035,594
Value of interest in common/collective trusts at beginning of year	2023-01-01	$1,435,475
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2023-01-01	$35,230
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2023-01-01	$1,729,227
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2023-01-01	$1,835,106
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2023-01-01	$999,820
Net investment gain or loss from common/collective trusts	2023-01-01	$293,788
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2023-01-01	No
Was there a failure to transmit to the plan any participant contributions	2023-01-01	No
Has the plan failed to provide any benefit when due under the plan	2023-01-01	No
Contributions received in cash from employer	2023-01-01	$287,776
Employer contributions (assets) at end of year	2023-01-01	$11,863
Employer contributions (assets) at beginning of year	2023-01-01	$11,813
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2023-01-01	$270,663
Contract administrator fees	2023-01-01	$40,626
Did the plan have assets held for investment	2023-01-01	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2023-01-01	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2023-01-01	No
Opinion of an independent qualified public accountant for this plan	2023-01-01	1
Accountancy firm name	2023-01-01	LUTZ AND COMPANY, P.C.
Accountancy firm EIN	2023-01-01	470625816
2022 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2022 401k financial data
Total unrealized appreciation/depreciation of assets	2022-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-12-31	$0
Total income from all sources (including contributions)	2022-12-31	$-651,779
Total loss/gain on sale of assets	2022-12-31	$0
Total of all expenses incurred	2022-12-31	$572,597
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-12-31	$495,367
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-12-31	$936,968
Value of total assets at end of year	2022-12-31	$10,028,064
Value of total assets at beginning of year	2022-12-31	$11,252,440
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-12-31	$77,230
Total interest from all sources	2022-12-31	$16,038
Total dividends received (eg from common stock, registered investment company shares)	2022-12-31	$288,294
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-12-31	$288,294
Was this plan covered by a fidelity bond	2022-12-31	Yes
Value of fidelity bond cover	2022-12-31	$500,000
If this is an individual account plan, was there a blackout period	2022-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2022-12-31	No
Contributions received from participants	2022-12-31	$426,307
Participant contributions at end of year	2022-12-31	$297,496
Participant contributions at beginning of year	2022-12-31	$342,569
Participant contributions at end of year	2022-12-31	$16,909
Participant contributions at beginning of year	2022-12-31	$8,418
Assets. Other investments not covered elsewhere at end of year	2022-12-31	$635,310
Assets. Other investments not covered elsewhere at beginning of year	2022-12-31	$782,983
Income. Received or receivable in cash from other sources (including rollovers)	2022-12-31	$223,435
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Value of net income/loss	2022-12-31	$-1,224,376
Value of net assets at end of year (total assets less liabilities)	2022-12-31	$10,028,064
Value of net assets at beginning of year (total assets less liabilities)	2022-12-31	$11,252,440
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-12-31	No
Were any leases to which the plan was party in default or uncollectible	2022-12-31	No
Investment advisory and management fees	2022-12-31	$21,802
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-12-31	$5,795,955
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-12-31	$6,845,507
Interest on participant loans	2022-12-31	$16,038
Value of interest in common/collective trusts at end of year	2022-12-31	$1,435,475
Value of interest in common/collective trusts at beginning of year	2022-12-31	$1,733,371
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2022-12-31	$1,835,106
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2022-12-31	$1,533,726
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-12-31	$-1,608,398
Net investment gain or loss from common/collective trusts	2022-12-31	$-284,681
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-12-31	No
Was there a failure to transmit to the plan any participant contributions	2022-12-31	No
Has the plan failed to provide any benefit when due under the plan	2022-12-31	No
Contributions received in cash from employer	2022-12-31	$287,226
Employer contributions (assets) at end of year	2022-12-31	$11,813
Employer contributions (assets) at beginning of year	2022-12-31	$5,866
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-12-31	$495,367
Contract administrator fees	2022-12-31	$55,428
Did the plan have assets held for investment	2022-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-12-31	No
Opinion of an independent qualified public accountant for this plan	2022-12-31	Unqualified
Accountancy firm name	2022-12-31	LUTZ AND COMPANY, P.C.
Accountancy firm EIN	2022-12-31	470625816
Total unrealized appreciation/depreciation of assets	2022-01-01	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-01-01	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2022-01-01	$0
Total income from all sources (including contributions)	2022-01-01	$-651,779
Total loss/gain on sale of assets	2022-01-01	$0
Total of all expenses incurred	2022-01-01	$572,597
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2022-01-01	$495,367
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2022-01-01	$936,968
Value of total assets at end of year	2022-01-01	$10,028,064
Value of total assets at beginning of year	2022-01-01	$11,252,440
Total of administrative expenses incurred including professional, contract, advisory and management fees	2022-01-01	$77,230
Total interest from all sources	2022-01-01	$16,038
Total dividends received (eg from common stock, registered investment company shares)	2022-01-01	$288,294
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2022-01-01	No
Total dividends received from registered investment company shares (eg mutual funds)	2022-01-01	$288,294
Was this plan covered by a fidelity bond	2022-01-01	Yes
Value of fidelity bond cover	2022-01-01	$500,000
If this is an individual account plan, was there a blackout period	2022-01-01	No
Were there any nonexempt tranactions with any party-in-interest	2022-01-01	No
Contributions received from participants	2022-01-01	$426,307
Participant contributions at end of year	2022-01-01	$297,496
Participant contributions at beginning of year	2022-01-01	$342,569
Participant contributions at end of year	2022-01-01	$16,909
Participant contributions at beginning of year	2022-01-01	$8,418
Assets. Other investments not covered elsewhere at end of year	2022-01-01	$635,310
Assets. Other investments not covered elsewhere at beginning of year	2022-01-01	$782,983
Income. Received or receivable in cash from other sources (including rollovers)	2022-01-01	$223,435
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-01-01	No
Value of net income/loss	2022-01-01	$-1,224,376
Value of net assets at end of year (total assets less liabilities)	2022-01-01	$10,028,064
Value of net assets at beginning of year (total assets less liabilities)	2022-01-01	$11,252,440
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2022-01-01	No
Were any loans by the plan or fixed income obligations due to the plan in default	2022-01-01	No
Were any leases to which the plan was party in default or uncollectible	2022-01-01	No
Investment advisory and management fees	2022-01-01	$21,802
Value of interest in registered invesment companies (eg mutual funds) at end of year	2022-01-01	$5,795,955
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2022-01-01	$6,845,507
Interest on participant loans	2022-01-01	$16,038
Value of interest in common/collective trusts at end of year	2022-01-01	$1,435,475
Value of interest in common/collective trusts at beginning of year	2022-01-01	$1,733,371
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2022-01-01	$1,835,106
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2022-01-01	$1,533,726
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2022-01-01	$-1,608,398
Net investment gain or loss from common/collective trusts	2022-01-01	$-284,681
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2022-01-01	No
Was there a failure to transmit to the plan any participant contributions	2022-01-01	No
Has the plan failed to provide any benefit when due under the plan	2022-01-01	No
Contributions received in cash from employer	2022-01-01	$287,226
Employer contributions (assets) at end of year	2022-01-01	$11,813
Employer contributions (assets) at beginning of year	2022-01-01	$5,866
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2022-01-01	$495,367
Contract administrator fees	2022-01-01	$55,428
Did the plan have assets held for investment	2022-01-01	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2022-01-01	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2022-01-01	No
Opinion of an independent qualified public accountant for this plan	2022-01-01	1
Accountancy firm name	2022-01-01	LUTZ AND COMPANY, P.C.
Accountancy firm EIN	2022-01-01	470625816
2021 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total income from all sources (including contributions)	2021-12-31	$2,329,001
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$1,128,874
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$1,044,896
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$745,531
Value of total assets at end of year	2021-12-31	$11,252,440
Value of total assets at beginning of year	2021-12-31	$10,052,313
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$83,978
Total interest from all sources	2021-12-31	$41,001
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$419,420
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$419,420
Administrative expenses professional fees incurred	2021-12-31	$13,149
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$500,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$439,438
Participant contributions at end of year	2021-12-31	$342,569
Participant contributions at beginning of year	2021-12-31	$249,676
Participant contributions at end of year	2021-12-31	$8,418
Participant contributions at beginning of year	2021-12-31	$8,900
Assets. Other investments not covered elsewhere at end of year	2021-12-31	$782,983
Assets. Other investments not covered elsewhere at beginning of year	2021-12-31	$589,560
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$12,974
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$1,200,127
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$11,252,440
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$10,052,313
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Investment advisory and management fees	2021-12-31	$60,616
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$6,845,507
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$7,083,019
Income. Interest from loans (other than to participants)	2021-12-31	$15,389
Value of interest in common/collective trusts at end of year	2021-12-31	$1,733,371
Value of interest in common/collective trusts at beginning of year	2021-12-31	$0
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2021-12-31	$25,612
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2021-12-31	$1,533,726
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2021-12-31	$2,115,347
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$1,018,030
Net investment gain or loss from common/collective trusts	2021-12-31	$105,019
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$293,119
Employer contributions (assets) at end of year	2021-12-31	$5,866
Employer contributions (assets) at beginning of year	2021-12-31	$5,811
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$1,044,896
Contract administrator fees	2021-12-31	$10,213
Did the plan have assets held for investment	2021-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	LUTZ & COMPANY, PC
Accountancy firm EIN	2021-12-31	470625816
2020 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$1,946,455
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$370,740
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$296,191
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$769,461
Value of total assets at end of year	2020-12-31	$10,052,313
Value of total assets at beginning of year	2020-12-31	$8,476,598
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$74,549
Total interest from all sources	2020-12-31	$51,640
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$246,010
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$246,010
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$500,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$460,835
Participant contributions at end of year	2020-12-31	$249,676
Participant contributions at beginning of year	2020-12-31	$221,927
Participant contributions at end of year	2020-12-31	$8,900
Participant contributions at beginning of year	2020-12-31	$8,804
Assets. Other investments not covered elsewhere at end of year	2020-12-31	$589,560
Assets. Other investments not covered elsewhere at beginning of year	2020-12-31	$179,877
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$8,198
Administrative expenses (other) incurred	2020-12-31	$13,500
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$1,575,715
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$10,052,313
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$8,476,598
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Investment advisory and management fees	2020-12-31	$53,925
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$7,083,019
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$7,696,572
Interest on participant loans	2020-12-31	$14,559
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2020-12-31	$37,081
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2020-12-31	$2,115,347
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2020-12-31	$363,630
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$879,344
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$300,428
Employer contributions (assets) at end of year	2020-12-31	$5,811
Employer contributions (assets) at beginning of year	2020-12-31	$5,788
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$296,191
Contract administrator fees	2020-12-31	$7,124
Did the plan have assets held for investment	2020-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Disclaimer
Accountancy firm name	2020-12-31	LUTZ & COMPANY, PC
Accountancy firm EIN	2020-12-31	470625816
2019 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$2,157,980
Total income from all sources (including contributions)	2019-12-31	$2,157,980
Total loss/gain on sale of assets	2019-12-31	$0
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$298,652
Total of all expenses incurred	2019-12-31	$298,652
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$248,075
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$248,075
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$713,706
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$713,706
Value of total assets at end of year	2019-12-31	$8,476,598
Value of total assets at end of year	2019-12-31	$8,476,598
Value of total assets at beginning of year	2019-12-31	$6,617,270
Value of total assets at beginning of year	2019-12-31	$6,617,270
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$50,577
Total interest from all sources	2019-12-31	$293,860
Total interest from all sources	2019-12-31	$293,860
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$0
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Was this plan covered by a fidelity bond	2019-12-31	Yes
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$500,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$418,415
Contributions received from participants	2019-12-31	$418,415
Participant contributions at end of year	2019-12-31	$221,927
Participant contributions at end of year	2019-12-31	$221,927
Participant contributions at beginning of year	2019-12-31	$285,445
Participant contributions at beginning of year	2019-12-31	$285,445
Participant contributions at end of year	2019-12-31	$8,804
Participant contributions at end of year	2019-12-31	$8,804
Participant contributions at beginning of year	2019-12-31	$0
Participant contributions at beginning of year	2019-12-31	$0
Assets. Other investments not covered elsewhere at end of year	2019-12-31	$179,877
Assets. Other investments not covered elsewhere at end of year	2019-12-31	$179,877
Assets. Other investments not covered elsewhere at beginning of year	2019-12-31	$156,040
Assets. Other investments not covered elsewhere at beginning of year	2019-12-31	$156,040
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$15,770
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$1,859,328
Value of net income/loss	2019-12-31	$1,859,328
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$8,476,598
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$8,476,598
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$6,617,270
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$6,617,270
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Investment advisory and management fees	2019-12-31	$42,459
Investment advisory and management fees	2019-12-31	$42,459
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$7,696,572
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$7,696,572
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$0
Value of interest in pooled separate accounts at end of year	2019-12-31	$0
Value of interest in pooled separate accounts at end of year	2019-12-31	$0
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$5,860,335
Value of interest in pooled separate accounts at beginning of year	2019-12-31	$5,860,335
Interest on participant loans	2019-12-31	$13,970
Interest on participant loans	2019-12-31	$13,970
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2019-12-31	$279,890
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2019-12-31	$279,890
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$363,630
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$363,630
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$288,898
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$288,898
Asset value of US Government securities at end of year	2019-12-31	$0
Asset value of US Government securities at end of year	2019-12-31	$0
Asset value of US Government securities at beginning of year	2019-12-31	$26,552
Asset value of US Government securities at beginning of year	2019-12-31	$26,552
Net investment gain/loss from pooled separate accounts	2019-12-31	$1,150,414
Net investment gain/loss from pooled separate accounts	2019-12-31	$1,150,414
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$279,521
Contributions received in cash from employer	2019-12-31	$279,521
Employer contributions (assets) at end of year	2019-12-31	$5,788
Employer contributions (assets) at end of year	2019-12-31	$5,788
Employer contributions (assets) at beginning of year	2019-12-31	$0
Employer contributions (assets) at beginning of year	2019-12-31	$0
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$248,075
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$248,075
Contract administrator fees	2019-12-31	$8,118
Contract administrator fees	2019-12-31	$8,118
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	LUTZ & COMPANY, PC
Accountancy firm name	2019-12-31	LUTZ & COMPANY, PC
Accountancy firm EIN	2019-12-31	470625816
Accountancy firm EIN	2019-12-31	470625816
2018 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$212,078
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$416,483
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$399,633
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$658,041
Value of total assets at end of year	2018-12-31	$6,617,270
Value of total assets at beginning of year	2018-12-31	$6,821,675
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$16,850
Total interest from all sources	2018-12-31	$16,749
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Administrative expenses professional fees incurred	2018-12-31	$16,850
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$500,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$393,902
Participant contributions at end of year	2018-12-31	$285,445
Participant contributions at beginning of year	2018-12-31	$219,912
Assets. Other investments not covered elsewhere at end of year	2018-12-31	$156,040
Assets. Other investments not covered elsewhere at beginning of year	2018-12-31	$153,801
Other income not declared elsewhere	2018-12-31	$167,738
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$-204,405
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$6,617,270
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$6,821,675
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in pooled separate accounts at end of year	2018-12-31	$5,860,335
Value of interest in pooled separate accounts at beginning of year	2018-12-31	$6,108,738
Interest on participant loans	2018-12-31	$11,538
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2018-12-31	$5,211
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-12-31	$288,898
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2018-12-31	$303,586
Asset value of US Government securities at end of year	2018-12-31	$26,552
Asset value of US Government securities at beginning of year	2018-12-31	$35,638
Net investment gain/loss from pooled separate accounts	2018-12-31	$-630,450
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$264,139
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$399,633
Did the plan have assets held for investment	2018-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-12-31	Disclaimer
Accountancy firm name	2018-12-31	LUTZ & COMPANY, PC
Accountancy firm EIN	2018-12-31	470625816
2017 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$1,577,546
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$275,667
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$267,210
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$622,636
Value of total assets at end of year	2017-12-31	$6,821,675
Value of total assets at beginning of year	2017-12-31	$5,519,796
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$8,457
Total interest from all sources	2017-12-31	$13,375
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$500,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$371,796
Participant contributions at end of year	2017-12-31	$219,912
Participant contributions at beginning of year	2017-12-31	$211,373
Assets. Other investments not covered elsewhere at end of year	2017-12-31	$153,801
Assets. Other investments not covered elsewhere at beginning of year	2017-12-31	$131,051
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$1,301,879
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$6,821,675
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$5,519,796
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Investment advisory and management fees	2017-12-31	$3,625
Value of interest in pooled separate accounts at end of year	2017-12-31	$6,108,738
Value of interest in pooled separate accounts at beginning of year	2017-12-31	$4,529,082
Interest on participant loans	2017-12-31	$10,095
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2017-12-31	$3,280
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-12-31	$303,586
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-12-31	$648,290
Asset value of US Government securities at end of year	2017-12-31	$35,638
Asset value of US Government securities at beginning of year	2017-12-31	$0
Net investment gain/loss from pooled separate accounts	2017-12-31	$941,535
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$250,840
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$267,210
Contract administrator fees	2017-12-31	$4,832
Did the plan have assets held for investment	2017-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	LUTZ & COMPANY, PC
Accountancy firm EIN	2017-12-31	470625816
2016 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$1,124,652
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$147,058
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$115,644
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$758,280
Value of total assets at end of year	2016-12-31	$5,519,796
Value of total assets at beginning of year	2016-12-31	$4,542,202
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$31,414
Total interest from all sources	2016-12-31	$17,952
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$500,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$305,383
Participant contributions at end of year	2016-12-31	$211,373
Participant contributions at beginning of year	2016-12-31	$211,740
Participant contributions at end of year	2016-12-31	$0
Participant contributions at beginning of year	2016-12-31	$6,533
Assets. Other investments not covered elsewhere at end of year	2016-12-31	$131,051
Assets. Other investments not covered elsewhere at beginning of year	2016-12-31	$124,287
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$977,594
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$5,519,796
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$4,542,202
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Investment advisory and management fees	2016-12-31	$10,464
Value of interest in pooled separate accounts at end of year	2016-12-31	$4,529,082
Value of interest in pooled separate accounts at beginning of year	2016-12-31	$3,703,153
Interest on participant loans	2016-12-31	$9,410
Interest earned on other investments	2016-12-31	$8,542
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$648,290
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$485,109
Net investment gain/loss from pooled separate accounts	2016-12-31	$348,420
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	Yes
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$452,897
Employer contributions (assets) at end of year	2016-12-31	$0
Employer contributions (assets) at beginning of year	2016-12-31	$11,380
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$115,644
Contract administrator fees	2016-12-31	$20,950
Did the plan have assets held for investment	2016-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	LUTZ & COMPANY, PC
Accountancy firm EIN	2016-12-31	470625816
2015 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$596,679
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$380,365
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$361,530
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$671,926
Value of total assets at end of year	2015-12-31	$4,542,202
Value of total assets at beginning of year	2015-12-31	$4,325,888
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$18,835
Total interest from all sources	2015-12-31	$14,825
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$500,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$284,936
Participant contributions at end of year	2015-12-31	$211,740
Participant contributions at beginning of year	2015-12-31	$207,197
Participant contributions at end of year	2015-12-31	$6,533
Participant contributions at beginning of year	2015-12-31	$0
Assets. Other investments not covered elsewhere at end of year	2015-12-31	$124,287
Assets. Other investments not covered elsewhere at beginning of year	2015-12-31	$83,886
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$216,314
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$4,542,202
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$4,325,888
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Investment advisory and management fees	2015-12-31	$10,902
Value of interest in pooled separate accounts at end of year	2015-12-31	$3,703,153
Value of interest in pooled separate accounts at beginning of year	2015-12-31	$3,473,728
Income. Interest from loans (other than to participants)	2015-12-31	$8,245
Interest earned on other investments	2015-12-31	$6,580
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$485,109
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$534,591
Net investment gain/loss from pooled separate accounts	2015-12-31	$-90,072
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$386,990
Employer contributions (assets) at end of year	2015-12-31	$11,380
Employer contributions (assets) at beginning of year	2015-12-31	$26,486
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$361,530
Contract administrator fees	2015-12-31	$7,933
Did the plan have assets held for investment	2015-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	LUTZ & COMPANY, PC
Accountancy firm EIN	2015-12-31	470625816
2014 : METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$853,436
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$374,391
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$357,413
Value of total corrective distributions	2014-12-31	$271
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$629,376
Value of total assets at end of year	2014-12-31	$4,325,888
Value of total assets at beginning of year	2014-12-31	$3,846,843
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$16,707
Total interest from all sources	2014-12-31	$15,413
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$4,750,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$254,946
Participant contributions at end of year	2014-12-31	$207,197
Participant contributions at beginning of year	2014-12-31	$179,192
Assets. Other investments not covered elsewhere at end of year	2014-12-31	$83,886
Assets. Other investments not covered elsewhere at beginning of year	2014-12-31	$39,406
Administrative expenses (other) incurred	2014-12-31	$176
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$479,045
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$4,325,888
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$3,846,843
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Investment advisory and management fees	2014-12-31	$9,899
Value of interest in pooled separate accounts at end of year	2014-12-31	$3,473,728
Value of interest in pooled separate accounts at beginning of year	2014-12-31	$3,175,818
Income. Interest from loans (other than to participants)	2014-12-31	$8,190
Interest earned on other investments	2014-12-31	$7,223
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$534,591
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$452,427
Net investment gain/loss from pooled separate accounts	2014-12-31	$208,647
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$374,430
Employer contributions (assets) at end of year	2014-12-31	$26,486
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$357,413
Contract administrator fees	2014-12-31	$6,632
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	LUTZ & COMPANY, PC
Accountancy firm EIN	2014-12-31	470625816

Form 5500 Responses for METRO CREDIT UNION 401(K) SAFE HARBOR PLAN

2023: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2023 form 5500 responses
2023-01-01	Type of plan entity	Single employer plan
2023-01-01	Submission has been amended	No
2023-01-01	This submission is the final filing	No
2023-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2023-01-01	Plan is a collectively bargained plan	No
2023-01-01	Plan funding arrangement – Insurance	Yes
2023-01-01	Plan funding arrangement – Trust	Yes
2023-01-01	Plan benefit arrangement – Insurance	Yes
2023-01-01	Plan benefit arrangement - Trust	Yes
2022: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2022 form 5500 responses
2022-01-01	Type of plan entity	Single employer plan
2022-01-01	Submission has been amended	No
2022-01-01	This submission is the final filing	No
2022-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2022-01-01	Plan is a collectively bargained plan	No
2022-01-01	Plan funding arrangement – Insurance	Yes
2022-01-01	Plan funding arrangement – Trust	Yes
2022-01-01	Plan benefit arrangement – Insurance	Yes
2022-01-01	Plan benefit arrangement - Trust	Yes
2021: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Insurance	Yes
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement – Insurance	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Insurance	Yes
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement – Insurance	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Insurance	Yes
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement – Insurance	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2017: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	No
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: METRO CREDIT UNION 401(K) SAFE HARBOR PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

780143-01

Policy instance

Insurance contract or identification number	780143-01
Number of Individuals Covered	65
Insurance policy start date	2023-01-01
Insurance policy end date	2023-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	0
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	0
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	Yes
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

MR 63042-1

Policy instance

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

780143-01

Policy instance

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

63042-1

Policy instance

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

63042-1

Policy instance

VOYA RETIRIEMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 86509 )

Policy contract number

818178

Policy instance

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

63042-1

Policy instance

VOYA RETIRIEMENT INSURANCE AND ANNUITY COMPANY (National Association of Insurance Commissioners NAIC id number: 86509 )

Policy contract number

818178

Policy instance

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

RM 85855-1

Policy instance

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

RM 85855-1

Policy instance

MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY (National Association of Insurance Commissioners NAIC id number: 65935 )

Policy contract number

RM 85855-1

Policy instance

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Company Name:	METRO CU FEDERAL CREDIT UNION
Employer identification number (EIN):	476026142
NAIC Classification:	522130
NAIC Description:	Credit Unions