401k Plan data: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN plan

FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 401k Plan overview

Plan Name	FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN
Plan identification number	001

FIRST CREDIT UNION 401(K) PROFIT SHARING 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.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
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

FIRST CREDIT UNION has sponsored the creation of one or more 401k plans.

Company Name: FIRST CREDIT UNION

Employer identification number (EIN): 860100904

NAIC Classification: 522130
NAIC Description: Credit Unions

Form 5500 Filing Information

Submission information for form 5500 for 401k plan FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2014-01-01 LORI GALLEGOS
001 2014-01-01 LORI GALLEGOS
001 2013-01-01 LORI GALLEGOS
001 2012-01-01 LORI GALLEGOS
001 2011-01-01 LORI GALLEGOS
001 2009-01-01 LORI GALLEGOS

Plan id#	Filing Submission Date	Name of Administrator
001	2014-01-01	LORI GALLEGOS
001	2014-01-01	LORI GALLEGOS
001	2013-01-01	LORI GALLEGOS
001	2012-01-01	LORI GALLEGOS
001	2011-01-01	LORI GALLEGOS
001	2009-01-01	LORI GALLEGOS

Plan Statistics for FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN

401k plan membership statisitcs for FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN

Measure Date Value
2014: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2014 401k membership
Total participants, beginning-of-year 2014-01-01 192
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 0
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 0
Total of all active and inactive participants 2014-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 0
Number of participants with account balances 2014-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 4
2013: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2013 401k membership
Total participants, beginning-of-year 2013-01-01 195
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 122
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 70
Total of all active and inactive participants 2013-01-01 192
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 192
Number of participants with account balances 2013-01-01 188
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 29
2012: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2012 401k membership
Total participants, beginning-of-year 2012-01-01 163
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 126
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 63
Total of all active and inactive participants 2012-01-01 189
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 189
Number of participants with account balances 2012-01-01 187
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 25
2011: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2011 401k membership
Total participants, beginning-of-year 2011-01-01 162
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 133
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 30
Total of all active and inactive participants 2011-01-01 163
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 163
Number of participants with account balances 2011-01-01 147
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 12
2009: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2009 401k membership
Total participants, beginning-of-year 2009-01-01 216
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 161
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 36
Total of all active and inactive participants 2009-01-01 197
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 197
Number of participants with account balances 2009-01-01 182
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 25

Measure	Date	Value
2014: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2014 401k membership
Total participants, beginning-of-year	2014-01-01	192
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	0
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	0
Total of all active and inactive participants	2014-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	0
Number of participants with account balances	2014-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	4
2013: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2013 401k membership
Total participants, beginning-of-year	2013-01-01	195
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	122
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	70
Total of all active and inactive participants	2013-01-01	192
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	192
Number of participants with account balances	2013-01-01	188
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	29
2012: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2012 401k membership
Total participants, beginning-of-year	2012-01-01	163
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	126
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	63
Total of all active and inactive participants	2012-01-01	189
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	189
Number of participants with account balances	2012-01-01	187
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	25
2011: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2011 401k membership
Total participants, beginning-of-year	2011-01-01	162
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	133
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	30
Total of all active and inactive participants	2011-01-01	163
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	163
Number of participants with account balances	2011-01-01	147
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	12
2009: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2009 401k membership
Total participants, beginning-of-year	2009-01-01	216
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	161
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	36
Total of all active and inactive participants	2009-01-01	197
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	197
Number of participants with account balances	2009-01-01	182
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	25

Financial Data on FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN

Measure	Date	Value
2014 : FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-10-31	$0
Total transfer of assets from this plan	2014-10-31	$5,784,467
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-10-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-10-31	$0
Total income from all sources (including contributions)	2014-10-31	$1,296,594
Total loss/gain on sale of assets	2014-10-31	$0
Total of all expenses incurred	2014-10-31	$114,738
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-10-31	$72,817
Value of total corrective distributions	2014-10-31	$12,409
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-10-31	$879,020
Value of total assets at end of year	2014-10-31	$0
Value of total assets at beginning of year	2014-10-31	$4,602,611
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-10-31	$29,512
Total interest from all sources	2014-10-31	$9,967
Total dividends received (eg from common stock, registered investment company shares)	2014-10-31	$124,153
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-10-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-10-31	$124,153
Was this plan covered by a fidelity bond	2014-10-31	Yes
Value of fidelity bond cover	2014-10-31	$5,000,000
If this is an individual account plan, was there a blackout period	2014-10-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-10-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-10-31	No
Contributions received from participants	2014-10-31	$330,819
Participant contributions at end of year	2014-10-31	$0
Participant contributions at beginning of year	2014-10-31	$200,090
Income. Received or receivable in cash from other sources (including rollovers)	2014-10-31	$103,187
Total non interest bearing cash at end of year	2014-10-31	$0
Total non interest bearing cash at beginning of year	2014-10-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-10-31	No
Value of net income/loss	2014-10-31	$1,181,856
Value of net assets at end of year (total assets less liabilities)	2014-10-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2014-10-31	$4,602,611
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-10-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-10-31	No
Were any leases to which the plan was party in default or uncollectible	2014-10-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-10-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-10-31	$3,461,146
Interest on participant loans	2014-10-31	$8,283
Interest earned on other investments	2014-10-31	$1,684
Value of interest in common/collective trusts at end of year	2014-10-31	$0
Value of interest in common/collective trusts at beginning of year	2014-10-31	$888,054
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-10-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-10-31	$53,321
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-10-31	$233,021
Net investment gain or loss from common/collective trusts	2014-10-31	$50,433
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-10-31	No
Was there a failure to transmit to the plan any participant contributions	2014-10-31	No
Has the plan failed to provide any benefit when due under the plan	2014-10-31	No
Contributions received in cash from employer	2014-10-31	$445,014
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-10-31	$72,817
Contract administrator fees	2014-10-31	$29,512
Did the plan have assets held for investment	2014-10-31	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	2014-10-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-10-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-10-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-10-31	Disclaimer
Accountancy firm name	2014-10-31	CLIFTON LARSON ALLEN LLP
Accountancy firm EIN	2014-10-31	410746744
2013 : FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$1,049,085
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$857,657
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$814,778
Value of total corrective distributions	2013-12-31	$13,584
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$493,749
Value of total assets at end of year	2013-12-31	$4,602,611
Value of total assets at beginning of year	2013-12-31	$4,411,183
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$29,295
Total interest from all sources	2013-12-31	$8,280
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$49,019
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$49,019
Was this plan covered by a fidelity bond	2013-12-31	No
Value of fidelity bond cover	2013-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$374,864
Participant contributions at end of year	2013-12-31	$200,090
Participant contributions at beginning of year	2013-12-31	$172,686
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$43
Total non interest bearing cash at end of year	2013-12-31	$0
Total non interest bearing cash at beginning of year	2013-12-31	$97,844
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$191,428
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$4,602,611
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$4,411,183
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$3,461,146
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$3,136,411
Interest on participant loans	2013-12-31	$6,914
Interest earned on other investments	2013-12-31	$1,366
Value of interest in common/collective trusts at end of year	2013-12-31	$888,054
Value of interest in common/collective trusts at beginning of year	2013-12-31	$775,343
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$53,321
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$228,899
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$431,276
Net investment gain or loss from common/collective trusts	2013-12-31	$66,761
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$118,842
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$814,778
Contract administrator fees	2013-12-31	$29,295
Did the plan have assets held for investment	2013-12-31	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	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	No
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	CLIFTONLARSONALLEN, LLP
Accountancy firm EIN	2013-12-31	410746749
2012 : FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$953,266
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$1,082,203
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$1,031,349
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$528,900
Value of total assets at end of year	2012-12-31	$4,411,183
Value of total assets at beginning of year	2012-12-31	$4,540,120
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$50,854
Total interest from all sources	2012-12-31	$8,843
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$118,653
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$118,653
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$500,000
If this is an individual account plan, was there a blackout period	2012-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$328,107
Participant contributions at end of year	2012-12-31	$172,686
Participant contributions at beginning of year	2012-12-31	$185,643
Value of other receiveables (less allowance for doubtful accounts) at end of year	2012-12-31	$0
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2012-12-31	$3,788
Total non interest bearing cash at end of year	2012-12-31	$97,844
Total non interest bearing cash at beginning of year	2012-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$-128,937
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$4,411,183
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$4,540,120
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$3,136,411
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$3,739,737
Interest on participant loans	2012-12-31	$6,807
Interest earned on other investments	2012-12-31	$2,036
Value of interest in common/collective trusts at end of year	2012-12-31	$775,343
Value of interest in common/collective trusts at beginning of year	2012-12-31	$610,952
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$228,899
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$0
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$279,632
Net investment gain or loss from common/collective trusts	2012-12-31	$17,238
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$200,793
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$1,031,349
Contract administrator fees	2012-12-31	$50,854
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2012-12-31	Yes
Did the plan have assets held for investment	2012-12-31	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	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	CLIFTONLARSONALLEN, LLP
Accountancy firm EIN	2012-12-31	410746749
2011 : FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$272,628
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$715,840
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$677,114
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$318,905
Value of total assets at end of year	2011-12-31	$4,540,120
Value of total assets at beginning of year	2011-12-31	$4,983,332
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$38,726
Total interest from all sources	2011-12-31	$6,142
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$84,826
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$84,826
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$311,923
Participant contributions at end of year	2011-12-31	$185,643
Participant contributions at beginning of year	2011-12-31	$150,955
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$6,982
Value of other receiveables (less allowance for doubtful accounts) at end of year	2011-12-31	$3,788
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2011-12-31	$4,218
Administrative expenses (other) incurred	2011-12-31	$20,333
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Value of net income/loss	2011-12-31	$-443,212
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$4,540,120
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$4,983,332
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Investment advisory and management fees	2011-12-31	$18,393
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$3,739,737
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$4,478,187
Interest on participant loans	2011-12-31	$6,142
Value of interest in common/collective trusts at end of year	2011-12-31	$610,952
Value of interest in common/collective trusts at beginning of year	2011-12-31	$349,972
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-147,678
Net investment gain or loss from common/collective trusts	2011-12-31	$10,433
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$677,114
Did the plan have assets held for investment	2011-12-31	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	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	CLIFTONLARSONALLEN, LLP
Accountancy firm EIN	2011-12-31	410746749
2010 : FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$1,019,523
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$1,715,448
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$1,655,213
Value of total corrective distributions	2010-12-31	$16,935
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$342,457
Value of total assets at end of year	2010-12-31	$4,983,332
Value of total assets at beginning of year	2010-12-31	$5,679,257
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$43,300
Total interest from all sources	2010-12-31	$6,523
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$96,317
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$96,317
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$1,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$339,375
Participant contributions at end of year	2010-12-31	$150,955
Participant contributions at beginning of year	2010-12-31	$171,257
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$2,361
Value of other receiveables (less allowance for doubtful accounts) at end of year	2010-12-31	$4,218
Value of other receiveables (less allowance for doubtful accounts) at beginning of year	2010-12-31	$5,536
Administrative expenses (other) incurred	2010-12-31	$22,180
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$-695,925
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$4,983,332
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$5,679,257
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Investment advisory and management fees	2010-12-31	$21,120
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$4,478,187
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$5,093,523
Interest on participant loans	2010-12-31	$6,523
Value of interest in common/collective trusts at end of year	2010-12-31	$349,972
Value of interest in common/collective trusts at beginning of year	2010-12-31	$408,941
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$562,934
Net investment gain or loss from common/collective trusts	2010-12-31	$11,292
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$721
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$1,655,213
Did the plan have assets held for investment	2010-12-31	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	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	CLIFTON GUNDERSON LLP
Accountancy firm EIN	2010-12-31	370802863
2009 : FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

Form 5500 Responses for FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN

2014: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	Yes
2014-01-01	This submission is the final filing	Yes
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
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
2013: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	Yes
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: FIRST CREDIT UNION 401(K) PROFIT SHARING PLAN 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )

Policy contract number

102-0001-0

Policy instance

Insurance contract or identification number	102-0001-0
Number of Individuals Covered	0
Insurance policy start date	2014-01-01
Insurance policy end date	2014-10-31
Are there contracts with allocated funds for individual policies?	No
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	1
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?	No
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

CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )

Policy contract number

102-0001-0

Policy instance

Insurance contract or identification number	102-0001-0
Number of Individuals Covered	192
Insurance policy start date	2013-01-01
Insurance policy end date	2013-12-31
Are there contracts with allocated funds for individual policies?	No
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	1
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?	No
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

CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )

Policy contract number

102-0001-0

Policy instance

Insurance contract or identification number	102-0001-0
Number of Individuals Covered	189
Insurance policy start date	2012-01-01
Insurance policy end date	2012-12-31
Are there contracts with allocated funds for individual policies?	No
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	1
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?	Yes
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
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

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Company Name:	FIRST CREDIT UNION
Employer identification number (EIN):	860100904
NAIC Classification:	522130
NAIC Description:	Credit Unions