Fom, 990 Return of Organization Exempt From Income Tax 008 30

OMB No. 1545-0047
Return of Organization Exempt From Income Tax
Fom, 990
008
Under section 501(c), 527, or 4947(a)(1) of the Internal Revenue Code (except black lung
benefit trust or private foundation)
ey
°temaj p't of
meSTervroere
Irttemal Raucous
Ili- The organization may have to use a copy of this return to satisfy state reporting ^uirements
, 2008, and ending
For the 2008 calendar year, or tax year beginning
A
B Check it applicable
El Address change
Punt or
type.
® Inleal return
S;
El Termination
Insbuc-
❑ Amended return
❑ p^ Ong
(270) 444-8510
P 0 Box 2267
tlons
Paducah. KY
F Name and address of principal officer.
Tax-exempt status
I
501(c) (
7
H(a) Is the a g'reban for aff5ates7❑ Yes W No
I H(b) Are an affiliates Inauded?
If 'No," attach a list. (see Instructions)
❑ 527
number ^
H
ex
L Year of formation : /Q (, 2 M State of legal domicile:
Website: ^
Tvoe of omanoahon .
G Gross receipts $
111 Holmes Dr.
Paducah, Ky 42003
❑ 4947(a)(1) or
N (Insertno.)
.: 0601328
Telephone number
E
Room/swte
Crty or town, state or country, and ZIP + 4
Jar
J
K
.20
61
Number and street (or P.O. box it maws is not delivered to street address)
see
•
D Employer identification number
meaw C Name of organization
Doing Business As
ar
El Name change
• -
Camorahon ❑ Tnat 0 Assodation 0 other ^
Summ
Briefly describe the organization's mission or most significant activities_ --------- ---------------------------------------
I
------------- ity eml?loyees--credit--uzic -------------------------------- --------------------------------------------------------Member-_samings--and-loans-------------------------------------- ----------------------------------------------- - -------- - -- ------------------------------------------------------------------------------ ---------------------------------------------
2 Check this box ^ ❑ if the organization discontinued its operations or disposed of more than 25% of its assets.
3
3 Number of voting members of the governing body (Part VI, line 1a) . . . . . . . . .
0
4
5
Number of independent voting members of the governing body (Part VI, line 1b)
Total number of employees (Part V, line 2a) .
6 Total number of volunteers (estimate if necessary) . . . . . . . .
7a Total gross unrelated business revenue from Part VIII, line 12, column (C) .
b Net unrelated business taxable income from Form 990-T , line 34.
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7a
7b
Prior Year
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10
11
Contributions and grants (Part Vil 1 , li e 1h) R E C D Y E D. .
Program service revenue (Part VIII , Ii e
. . . . . .
0
„ ,, ^
Investment income (Part Vlll , column f
lines ^ 34a and 7d^
)
Other revenue (Part VIII, column (A)
5^uamtz8t^ ^, Yhw3.rt
t equal Part VIII, column
12 Total revenue-add lines 8 throug h 11
ad
0
I e 12)
13 Grants and similar amounts paid
^
14 Benefits paid to or for members (Pari v l2S
. .
15 Salaries , other compensation , employee benefits (Part IX , column (A) , lines 5-10)
$ 16a Professional fundraising fees (Part IX , column (A) , line 11 e) . . . .
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b Total fundraising expenses (Part IX , column (D) , line 25) ^ -------------------------
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0
cr
m 20 Total assets (Part X , line 16) . .
21 Total liabilities (Part X , line 26)
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' 22 Net assets or fund balances. Subtract line 21 from line 20 .
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Current Year
0
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C)
(D
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0,5931
g 5q fi__
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17 Other expenses (Part IX , column (A) , lines 11 a-11 d , 11 f-24f) . . . . .
18 Total expenses . Add lines 13-17 (must equal Part IX , column (A) , line 25) .
19 Revenue less expenses. Subtract line 18 from line 12
0
A
0
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Beginning of Year
End of Year
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046-3
Signature Block
Under penalties of perjury, I declare that I have examined this return, including accompanying schedules and statements, and to the best of my knowledge
and belief, it is true, correct, and comp) a Declaration of preparer (other than officer) is based on al l information of which preparer has any knowledge.
Sign
IL -
Here
I
I T
QA.c,t h- njPr,9,
Signature of officer
(J
Mary W Neihoff,
UU
Manager
Type or punt name and We
Preparers'
Paid
Prepares
Use Only
signature
Firm's name (or
if self-employed
For Privacy Act and Paperwork Reduction Act Notice, see the
I
i? ' /1 -6
Form 990 (2008)
Page 2
Statement of Program Service Accomplishments (see instructions)
I
Briefly describe the organization ' s mission:
------------ ---------------------------------------------------------------------------------------------------------------------------------
'roencourage members
to
save thrupayroll
deduction and
to assist
---them. with_ Versonal--anal. Vehicle- loans --------------------------------------------------------------------------2
Did the organization undertake any significant program services during the year which were not listed on
the prior Form 990 or 990-EZ? . . . . . . . .
If "Yes," describe these new services on Schedule 0.
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Did the organization cease conducting, or make significant changes in how it conducts, any program
services? . . . .
If "Yes," describe these changes on Schedule 0.
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❑ Yes
No
❑ Yes
No
Describe the exempt purpose achievements for each of the organization's three largest program services by expenses.
Section 501(c)(3) and 501(c)(4) organizations and section 4947(a)(1) trusts are required to report the amount of grants and
allocations to others, the total expenses, and revenue, if any, for each program service reported.
4a (Code: _____________) (Expenses
___ including grants of $___________________ ) (Revenue $
---------------------------------------------------------------------------------------------------------------------------------------------Q yido - _paid-members_on_ savings- accounts________________________________________________________
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------4b (Code________ ______))(Expenses $__________ _________ including grants of $___________ ________ ) (Revenue $.................... )
--------------- -------------------------------- --------------------- ------------------------ ---------------------- ------------------------------------------ -------------------------------- --------------------- ------------------------ ---------------------- ------------------------------------------ -------------------------------- --------------------- ------------------------ ---------------------- ------------------------------------------ -------------------------------- --------------------- ------------------------ ---------------------- ------------------------------------------ -------------------------------- --------------------- ------------------------ ---------------------- ------------------------------------------ -------------------------------- --------------------- ------------------------ ---------------------- ------------------------------------------ -------------------------------- --------------------- ------------------------ ---------------------- ------------------------------------------ -------------------------------- --------------------- ------------------------ --------------------- ------------------------------------------- ----=--------------------------- °_-----=------------- ------------------------ --------------------- ----_-_--------------__------------------ -------------------------------- --------------------- ------------------------ --------------------- -----------------------------
4c (Code:....... ...... ))(Expenses $_________ __________ including grants of $___________ ________ ) (Revenue $.................... )
4d Other program services. (Describe in Schedule 0.)
includin g g rants of $
(Expenses $
4e Total program service expenses ^ $ 2,9 cl '13 •
Revenue $
(Must equal Part IX, Line 25, column (B).)
Form 990 (2008)
Eaducah Qt
pm7w cmd1t Yrl©p, EAP.
6 /-^®^o/32 J'
Form 990
Page 3
Checkl ist of Req u ired Schedules
Yes
1
Is the organization described in section 501 (c)(3) or 4947(a)(1) (other than a private foundation)? If "Yes,"
cohiplete Schedule A . . . . . . . . . . . . . . . .
2
3
Is the organization required to complete Schedule B , Schedule of Contributors?. . . . . . . . . .
Did the organization engage in direct or indirect political campaign activities on behalf of or in opposition to
candidates for public office? If "Yes , " complete Schedule C, Part I . . . . . . . . . . . . . .
Section 501(c)(3) organizations . Did the organization engage in lobbying activities? If "Yes," complete
Schedule C, Part 11 . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Section 501(c)(4), 501(c)(5), and 501 (c)(6) organizations . Is the organization subject to the section 6033(e)
notice and reporting requirement and proxy tax? If "Yes," complete Schedule C, Part Ill . . . . . .
Did the organization maintain any donor advised funds or any accounts where donors have the right to
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11
No
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✓
✓
provide advice on the distribution or investment of amounts in such funds or accounts ? If "Yes," complete
Schedule D, Part I . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Did the organization receive or hold a conservation easement, including easements to preserve open space,
the environment , historic land areas , or historic structures ? If "Yes," complete Schedule D, Part 11
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✓
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✓
Did the organization maintain collections of works of art, historical treasures, or other similar assets? If "Yes,"
complete Schedule D, Part Ill . . . . . . . . . . . . . . . . . . . . . . . . . .
Did the organization report an amount in Part X , line 21 ; serve as a custodian for amounts not listed in Part
X; or provide credit counseling , debt management, credit repair, or debt negotiation services? If "Yes,"
complete Schedule D, Part IV . . . . . . . . . . . . . . . . . . . . . . .
Did the organization hold assets in term, permanent, or quasi-endowments ? If "Yes," complete Schedule D, Part V
10
Did the organization report an amount in Part X, lines 10 , 12, 13, 15, or 25? If "Yes," complete Schedule D,
Parts Vl, VII, Vlll, IX, or X as applicable
. . . . . . . . . . . . . . . . . . . . . . .
11
12
Did the organization receive an audited financial statement for the year for which it is completing this return
that was prepared in accordance with GAAP ? If "Yes," complete Schedule D, Parts Xl, XII , and Xlll . . .
13
Is the organization a school described in section 170(b)(1)(A)(ii)? If "Yes," complete Schedule E . . . . . .
14a Did the organization maintain an office , employees , or agents outside of the U . S.? . . . . . . . .
b Did the organization have aggregate revenues or expenses of more than $10,000 from grantmaking, fundraising,
business , and program service activities outside the U . S.? If "Yes , " complete Schedule F, Part I . . . . . .
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Did the organization report on Part IX, column (A), line 3 , more than $5,000 of grants or assistance to any
organization or entity located outside the United States? If Wes," complete Schedule F, Part 11. . . . .
Did the organization report on Part IX, column (A), line 3 , more than $5 , 000 of aggregate grants or assistance
to individuals located outside the United States? If "Yes , " complete Schedule F, Part Ill . . . . . . .
Did the organization report more than $15 , 000 on Part IX , column (A) , line 11e? If "Yes , " complete Schedule G , Part 1
Did the organization report more than $15 , 000 total on Part VIII , lines 1c and 8a? If "Yes , " complete Schedule G , Part II
Did the organization report more than $15 , 000 on Part VIII , line 9a? If "Yes , " complete Schedule G , Part Ill
Did the organization operate one or more hospitals? If "Yes , " complete Schedule H . . . . . . . .
Did the organization report more than $5 , 000 on Part IX , column (A) , line 1 ? If "Yes , " complete Schedule 1, Parts I and 11
Did the organization report more than $5 , 000 on Part IX , column (A) , line 2? If "Yes , " complete Schedule 1, Parts I and 111 Did the organization answer "Yes" to Part VII, Section A, questions 3, 4, or 5? If "Yes," complete
Schedule J . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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14a
14b
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24a Did the organization have a tax-exempt bond issue with an outstanding principal amount of more than
$100,000 as of the last day of the year, that was issued after December 31, 2002? If "Yes," answer questions
24b-24d and complete Schedule K. If "No, " go to question 25 . . . . . . . . . . . . .
b Did the organization invest any proceeds of tax-exempt bonds beyond a temporary period exception? . .
c Did the organization maintain an escrow account other than a refunding escrow at any time during the year
to defease any tax-exempt bonds? . . . . . . . . . . . . . . . . . . . . . . . .
d Did the organization act as an "on behalf of" issuer for bonds outstanding at any time during the year?
25a Section 501 (c)(3) and 501 (c)(4) organizations . Did the organization engage in an excess benefit transaction
with a disqualified person during the year? If "Yes," complete Schedule L, Part I . . . . . . . . . 25a
b Did the organization become aware that it had engaged in an excess benefit transaction with a disqualified
person from a prior year? If "Yes , " complete Schedule L, Part I . . . . . . . . . . . .
26
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Was a loan to or by a current or former officer, director, trustee, key employee, highly compensated employee, or
disqualified person outstanding as of the end of the organization's tax year? If "Yes , " complete Schedule L , Part II . .
Did the organization provide a grant or other assistance to an officer, director, trustee, key employee, or
substantial contributor , or to a person related to such an individual? If "Yes, " complete Schedule L Part 111
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27
Form 990 (2008)
Eaaur"Zh Utaj ftwi
Giedit ^laai
(Q /' & 6 D"32 (
4
Form 990 (2008)
Checklist
No
28
During the, tax year, did any person who is a current or former officer, director, trustee, or key employee:
a Have a direct business relationship with the organization (other than as an officer, director , trustee, or
employee), or an indirect business relationship through ownership of more than 35% in another entity
(individually or collectively with other person(s) listed in Part VII, Section A)? If "Yes," complete Schedule L,
Part /V . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
b Have a family member who had a direct or indirect business relationship with the organization ? If "Yes,"
complete Schedule L, Part IV . . . . . . . . . . . . . . . . . . . . . . . . . . .
c Serve as an officer , director, trustee , key employee , partner, or member of an entity (or a shareholder of a
professional corporation) doing business with the organization ? If "Yes," complete Schedule L, Part IV . .
29 Did the organization receive more than $25,000 in non -cash contributions ? If "Yes," complete Schedule M
30
Did the organization receive contributions of art , historical treasures, or other similar assets, or qualified
conservation contributions ? If "Yes," complete Schedule M
. . . . . . . . . . . . . . . .
31
Did the organization liquidate , terminate , or dissolve and cease operations? If "Yes," complete Schedule N,
Partl . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Did the organization sell, exchange , dispose of, or transfer more than 25% of its net assets?lf "Yes,"complete
Schedule N, Part 11 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Did the organization own 100 % of an entity disregarded as separate from the organization under Regulations
sections 301 .7701- 2 and 301.7701-3? If "Yes, " complete Schedule R, Part 1 . . . . . . . . . . .
Was the organization related to any tax-exempt or taxable entity ? If "Yes," complete Schedule R, Parts ll,
Ill, IV, and V, line 1 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Is any related organization a controlled entity within the meaning of section 512(b)(13)? If "Yes," complete
Schedule R, Part V, line 2 . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Section 501 (c)(3) organizations. Did the organization make any transfers to an exempt non -charitable related
. . . . . .
.
organization? If "Yes," complete Schedule R, Part V, line 2 .
Did the organization conduct more than 5% of its activities through an entity that is not a related organization
and that is treated as a partnership for federal income tax purposes ? If "Yes," complete Schedule R, Part
Vl . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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28b
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1k-""
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Form 990 (2008)
E8di,lt
M ^Mpmda credit Union, We.
Page 5
Forth 990 (2008)
Statements Reg ardin g Other IRS Filings and Tax Com pliance
Yes
Is Enter the number reported in Box 3 of Form 1096, Annual Summary and Transmittal of
.
U'S. Information Returns. Enter -0- if not applicable . . . . . . . . . . .
. .
b Enter the number of Forms W-2G included in line 1a. Enter -0- if not applicable
No
is
lb
c Did the organization comply with backup withholding rules for reportable payments to vendors and reportable
1c
gaming (gambling) winnings to prize winners? . . . . . . . . . . . . . . . . . . . .
2a Enter the number of employees reported on Form W-3, Transmittal of Wage and Tax
2__
Statements, filed for the calendar year ending with or within the year covered by this return I 2a
required
federal
employme
nt
tax
line
did
the
organization
file
all
returns?
one
is
reported
on
2a,
P
If
at
least
b
/I/ A
✓
Note . If the sum of lines 1a and 2a is greater than 250, you may be required to a-file this return. (see
instructions)
3a Did the organization have unrelated business gross income of $1,000 or more during the year covered by
this return ? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
b If "Yes," has it filed a Form 990-T for this year? If "No," provide an explanation in Schedule 0 . . . .
4a At any time during the calendar year, did the organization have an interest in , or a signature or other authority
over, a financial account in a foreign country (such as a bank account , securities account , or other financial
account)? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
b If "Yes ," enter the name of the foreign country : ^ ...............................................................
See the instructions for exceptions and filing requirements for Form TD F 90-22. 1, Report of Foreign Bank
and Financial Accounts.
5a Was the organization a party to a prohibited tax shelter transaction at any time during the tax year?.
b Did any taxable party notify the organization that it was or is a party to a prohibited tax shelter transaction?
c If "Yes ," to question 5a or 5b, did the organization file Form 8886-T, Disclosure by Tax-Exempt Entity
Regarding Prohibited Tax Shelter Transaction ? . . . . . . . . . . . . . . . . . . . . .
6a Did the organization solicit any contributions that were not tax deductible? . . . . . . . . . . .
b If "Yes," did the organization include with every solicitation an express statement that such contributions or
gifts were not tax deductible? . . . . . . . . . . . . . . . . . . . . . . . . . . .
7 Organizations that may receive deductible contributions under section 170(c).
Did the organization provide goods or services in exchange for any quid pro quo contribution of more than
$75? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
b If "Yes ," did the organization notify the donor of the value of the goods or services provided? . . . .
a
c Did the organization sell, exchange , or otherwise dispose of tangible personal property for which it was
required to file Form 8282?
. . . . . . .
d If "Yes ," indicate the number of Forms 8282 filed during the year . . . . . . .
17d
e Did the organization , during the year, receive any funds, directly or indirectly , to pay premiums on a personal
benefit contract? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
f Did the organization , during the year, pay premiums , directly or indirectly , on a personal benefit contract?
g For all contributions of qualified intellectual property, did the organization file Form 8899 as required? .
h For contributions of cars, boats, airplanes , and other vehicles , did the organization file a Form 1098-C as
required? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
8 Section 501 (c)(3) and other sponsoring organizations maintaining donor advised funds and section
509(a)(3) supporting organizations . Did the supporting organization, or a fund maintained by a sponsoring
organization, have excess business holdings at any time during the year? . . . . . . . . . . .
9 Section 501 (c)(3) and other sponsoring organizations maintaining donor advised funds.
a Did the organization make any taxable distributions under section 4966? . . . . . . . . . . .
b Did the organization make a distribution to a donor, donor advisor, or related person? . . . . . .
10 Section 501(c)(7) organizations . Enter
10a
0
a Initiation fees and capital contributions included on Part VIII, line 12. . . . . . .
10b
0
b Gross receipts, included on Form 990, Part VIII, line 12, for public use of club facilities
Section 501(c)(12) organizations . Enter
11a
a Gross income from members or shareholders . . . . . . . . . . . . . .
b Gross income from other sources (Do not net amounts due or paid to other sources against
11b
amounts due or received from them.)
12a Section 4947(a)(1) non -exempt charitable trusts. Is the organization filing Form 990 in lieu of Form 1041?
b If "Yes," enter the amount of tax-exempt interest received or accrued during the year.
112b
7a I
7b
I ✓
1
0 A
7c
7e
7f
7h
✓
N p
8
11
12a
Form 990 (2008)
D®
6 /- O ( 0122 cP
&pjea Cr*18t Un6OQ, We-
6
Page 6
Form 990 (2008)
EVIM
Governance , Management , and Disclosure (Sections A, B, and C request information about policies not
required by the Internal Revenue Code.)
Section A. Governing Body and Mananement
Yes
For each "Yes" response to lines 2-7b below, and for a "No" response to lines
circumstances, processes, or changes in Schedule O. See instructions.
is Enter the number of voting members of the governing body . . . . . .
. . . . . .
b Enter the number of voting members that are independent
2 Did any officer, director, trustee, or key employee have a family relationship or
. . . . . . . .
any other officer , director , trustee , or key employee?
is
. .
lb
. . .
41a business relationship with
. . . . . . . . .
4
Did the organization delegate control over management duties customarily performed by or under the direct
supervision of officers , directors or trustees , or key employees to a management company or other person? .
Did the organization make any significant changes to its organizational documents since the prior Form 990 was filed?
5
Did the organization become aware during the year of a material diversion of the organization's assets?
3
6 Does the organization have members or stockholders? . .
7a Does the organization have members, stockholders, or other
of the governing body?
. . . . . . . . . . . .
b Are any decisions of the governing body subject to approval by
. . . . . . . .
persons who may elect
. . . . . . . .
members , stockholders ,
Did the organization contemporaneously document the meetings held or
the year by the following:
a The governing body? . . . . . . . . . . . . . . . . .
b Each committee with authority to act on behalf of the governing body?
9a Does the organization have local chapters , branches , or affiliates? . .
8
No
8 or 9b below, describe the
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3
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one or more members
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or other persons? . .
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7b
written actions undertaken during
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b If "Yes," does the organization have wntten policies and procedures governing the activities of such chapters,
. . . . .
affiliates , and branches to ensure their operations are consistent with those of the organization?
Was a copy of the Form 990 provided to the organization's governing body before it was filed? All organizations
must describe in Schedule 0 the process , if any , the organization uses to review the Form 990 . . . . . .
11 Is there any officer, director or trustee, or key employee listed in Part VII, Section A, who cannot be reached at
the org anization's mailing address? If "Yes," provide the names and addresses in Schedule 0
Section B. Policies
8a
8b
9a
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9b
/V !T
10
10
11
Yes
12a Does the organization have a written conflict of interest policy? If "No , " go to line 13 . . . . . . .
b Are officers, directors or trustees, and key employees required to disclose annually interests that could give
.
12b
"Yes,"
. .
.
. .
12c
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14
Did the process for determining compensation of the following persons include a review and approval by
independent persons, comparability data, and contemporaneous substantiation of the deliberation and decision:
a The organization's CEO , Executive Director , or top management official? . . . . . . . . . . .
15a
rise to conflicts?
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c Does the organization regularly and consistently monitor and enforce compliance
describe in Schedule 0 how this is done
. . . . . . . . . . . . .
13 Does the organization have a written whistleblower policy?
. . . . . . .
14 Does the organization have a written document retention and destruction policy?
15
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b Other officers or key employees of the organization?
Describe the process in Schedule O. (see instructions)
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with the policy? If
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No
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1 5b
16a Did the organization invest in, contribute assets to, or participate in a joint venture or similar arrangement
with a taxable entity during the year? . . . . . . . . . . . . . . . . . . . . .
16a
b If "Yes," has the organization adopted a written policy or procedure requiring the organization to evaluate
its participation in joint venture arrangements under applicable federal tax law, and taken steps to safeguard
the organization's exem pt status with respect to such arrang ements?
16b
/V
I A
N 4
Section C. Disclosure
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19
20
List the states with which a copy of this Form 990 is required to be filed
Section 6104 requires an organization to make its Forms 1023 (or 1024 if applicable), 990, and 990-T (501(c)(3)s only)
available for public inspection . Indicate how you make these available . Check all that apply.
Upon request
❑ Another's website [
❑ Own website
Describe in Schedule 0 whether (and if so, how), the organization makes its governing documents , conflict of interest
policy, and financial statements available to the public.
State the name, physical address, and telephone number of the person who possesses the books and records of the
organization :
_W.JNeihOff/.Manages_______3Q.Q-S__5_th_St___Paducah,__KY__420.02______________________
270 444-8510
Form 990 (2008)
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Form 990 (2008)
Page 7
Compensation of Officers , Directors, Trustees , Key Employees , Highest Compensated
Employees, and Independent Contractors
Section A. Officers , Directors, Trustees, Key Employees, and Highest Compensated Employees
1a Complete this table for all persons required to be listed. Use Schedule J-2 if additional space is needed.
• List all of the organization' s current officers, directors, trustees (whether individuals or organizations), regardless of amount
of compensation, and current key employees. Enter -0- in columns (D), (E), and (F) if no compensation was paid.
• List the organization's five current highest compensated employees (other than an officer, director, trustee, or key employee)
who received reportable compensation (Box 5 of Form W-2 and/or Box 7 of Form 1099-MISC) of more than $100,000 from the
organization and any related organizations.
• List all of the organization's former officers, key employees, and highest compensated employees who received more than
$100,000 of reportable compensation from the organization and any related organizations.
• List all of the organization' s former directors or trustees that received, in the capacity as a former director or trustee of
the organization, more than $10,000 of reportable compensation from the organization and any related organizations.
List persons in the following order individual trustees or directors; institutional trustees; officers; key employees; highest
compensated employees; and former such persons.
❑ Check this box if the organization did not compensate any officer, director, trustee, or key employee.
(A)
(B)
(c)
(D)
(E)
(F)
Name and Title
Average
hours per
week
Position (check all that apply)
o > >
m =
-n
3_
a g
3
0
Reportable
compensation
from
the
organiza ti on
Reportable
compensation
from related
organizations
( W - 211099 MISC )
Estimated
amount of
other
compensation
f rom th e
0
m
o
0 2
a
m
0 o
(W-2/1099-MISC)
organization
and related
organizations
Pl an
Garry Smith
---------------------------------
111 Holmes Dr Paducah, K 42003
---------------------------------440 7 Roy Lee Rd Paducah K 42001
0 --©-
-0-
-Q -^-
Cbx'isty--Haman
300 Rhea Lee Dr Paducah K 42001
Pat__ Vannerson-------- - --------------------241 jambs In
Pacjuc-ah,K^z42001 _
rlPtus_Ouellette--------------------------
_0 0_
_O_
-d-
_© _
0
D.onald-Henry---------------------------------
- O
Chris_Yarber--------------------------------8 Reid
-----------------------------=----------------------ax-y- c1_Neihof£----------------------------1545 LQY Flo Sta Rd F_ Poaz,K)j
42027
-----------------------------------------------------Ruth Montgomery____________________________
Pad cah
13 Hol mes Dr
-Q _
_O
- ©-
-0-
s^f
7 1.
17 Z/^ •
s ^O -
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------Form 9
(2008)
.Zadwo ^a
upm@a 40dit M110 u %
£ l' 0 ^ x/32 cP
Form 990 (2008)
Gffl^
Page 8
Section A. Officers, Directors , Trustees, Key Employees, and Highest Compensated Employees (continued)
(B)
(C)
(D)
(E)
(F)
Average
position (check all that apply)
Reportable
Reportable
compensation
from
the
organization
(W-2/1099-MISC)
compensation
from related
organizations
(W-2/1099-MISC)
Estimated
amount of
other
compensation
from the
organization
and related
organizations
(A)
Name and title
hours per
week
o >
o
>
m
_
.0 U3
om
o
m
0
o
n
2
%
2
,,
0
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
------------------------------------------------------
-------------------------------------------------------
1 b Total
^
3
(o
2 Total number of individuals (including those in 1 a) who received more than $100,000 in reportable compensation from the
organization ^
No
3
Did the organization list any former officer, director or trustee, key employee, or highest compensated
employee on line 1 a? If "Yes, " complete Schedule J for such individual
. . . . . . . . . . .
4
For any individual listed on line la, is the sum of reportable compensation and other compensation from
the organization and related organizations greater than $150,000 ? If "Yes," complete Schedule J for such
individual . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
5
Did any person listed on line la receive or accrue compensation from any unrelated organization for
services rendered to the organization ? If "Yes." complete Schedule J for such person
3
4
✓
5
Section B. Independent Contractors
1
Complete this table for your five highest compensated independent contractors that received more than $100,000 of
compensation from the organization.
(A)
Name and business address
(B)
Description of services
(C)
Compensation
AIIA
2
Total number of independent contractors (Including those in 1) who received more than $100,000 in
compensation from the organization ^
Form 990 (2008)
ba
2090A mr.
on &PIGMA
6I e^0/3,. ?
Page 9
Form 990 (2008)
Statement of Revenue
(A)
Total revenue
(B)
Related or
exempt
function
revenue
L.
b Membership dues.
c Fundraising events
O
is
wM
E
I m
a
Y
(D)
Revenue
excluded from tax
under sections
512 , 513 , or 514
1a
is Federated campaigns
4
(C)
Unrelated
business
revenue
1b
.
.
.
1c
d Related organizations
it
e Government grants (contributions). 1e
f All other contributions, gifts, grants,
and similar amounts not included above 1f t7
g Noncash contributions included in lines la-It $ .......
W
h Total. Add lines 1 a-1 f
.
^
Business Code
2a
d ------E
---- ...........................
e
f All other program service revenue"-.
g Total. Add lines 2a-2f .
Q
a.
^
Investment income (including dividends, interest, and
3
other similar amounts)
4
5
.
^
Income from investment of tax-exempt bond proceeds
Royalties . . . .
.
^
^
.
.
.
.
.
.
(i) Personal
() Real
6a
b
c
d
Gross Rents
. .
Less: rental expenses
Rental income or (loss)
Net rental income or (loss) .
b Less: cost or other basis
and sales expenses
c Gain or (loss)
d Net gain or (loss) . .
O
^
(i) Other
0 Sec""t es
7a Gross amount from sales of
assets other than inventory
a
.
.
.
.
.
8a Gross income from fundraising
events (not including $ .............
of contributions reported on line 1c).
See Part IV, line 18 . . . . . . a
b Less: direct expenses
. b
c Net income or (loss) from fundraising events .
^
^
9a Gross income from gaming activities.
See Part IV , line 19 .
.
.
.
.
a
.
b Less: direct expenses.
. b
c Net income or (loss) from gaming activ ities
^
10a Gross sales of inventory, less
returns and allowances . . . . a
. b
b Less: cost of goods sold
c Net income or (loss) from sales of inventory .
^
Business Code
Miscellaneous Revenue
I la
b ------------------•-------------•------•-C
..........................................
d All other revenue .
12
.
.
.
.
.
e Total. Add lines 11 a-11 d
.
.
.
.
.
.
.
.
.
^
Total Revenue. Add lines 1 h, 2g, 3, 4, 5, 6d, 7d, 8c,
. ^
9c , 10c and 11e
Form 990 (2008)
0-®i?" 6l$b
,2. d
(I1 /-DID 9/
Rgsayw g1tTI! 2D90no 'fit
Page 10
Form 990 (2008)
Statement of Functional Expenses
Section 501(c)(3) and 501(c)(4) organizations must complete all columns.
All other organizations must complete column (A) but are not required to com plete columns (B), (C), and (D).
YQ
(B)
(C) and
(D)
Do not Include amounts reported on lines 6b,
Management
Program service
Fundraising
Total expenses
7b, 8b, 9b, and 10b of Part Vlll.
ex penses
Grants and other assistance to governments and
or g anizations in the U . S . See Part IV , line 21
Grants and other assistance to individuals in
the U . S . See Part IV , line 22 . . . . .
Grants and other assistance to governments,
organizations, and individuals outside the
U . S . See Part IV , lines 15 and 16 . .
Benefits paid to or for members . . . .
Compensation of current officers, directors,
trustees , and key employees . . . . .
I
2
3
4
5
general ex
nses
expenses
g
s
^z
S
1
Compensation not included above, to disqualified
persons (as defined under section 4958(0(1)) and
persons described in section 4958(c)(3)(B) . .
Other salaries and wages . . . . . .
6
7
8
9
10
11
a
b
c
d
Pension plan contributions (include section 401(k)
and section 403(b) employer contributions) .
Other employee benefits . . . . . .
Payroll taxes . . . . . . . . . .
Fees for services (non-employees :
Management
e.$
ee .
5-1'a Ne
Legal .
Accounting . . . . ^$ G
Lobbying
. . . . . . . . . . .
7
3
7
Advertising and promotion .
Office expenses . . . .
Information technology . .
.
.
.
.
.
.
.
.
Z
42-
e Professional fundraising services . See Part IV, line 17
f Investment mans a ent feed.,.
. . .
. . .
g Other . . . . 1.^ 1--5
.
12
13
14
3
2
-5
O
.Z
D
.
.
. . . . .
Royalties
. . . . . . . . . . .
Occupancy . . . . . . . . . . .
Travel
. . . . . . . . . . . .
Payments of travel or entertainment expenses
for any federal , state , or local public officials
15
16
17
18
19
20
Conferences , conventions , and meetings
Interest . . . . . . . . . . . .
21
22
Payments to affiliates . . . . . . .
Depreciation , depletion , and amortization
Insurance . . . . 13 010 Q . .
23
-
-
-_
-
-
-
114-3
^t 14.3
Other expenses. Itemize expenses not
covered above. (Expenses grouped together
and labeled miscellaneous may not exceed
5% of total expenses shown on line 25 below.)
24
a ..................
Sc ----------------b .................................................
c ..................................................
d .................................................
e ----------------------------------------------
f
25
26
All other expenses ............................
Total functional expenses. Add lines 1 through 24f
if following
Joint Costs. Check here ^
SOP 98-2. Complete this line only if the
organization reported in column (B) joint costs
from a combined educational campaign and
fundraising solicitation
_7^^_
g lj 81
27TT37
CM .5 16
Form 990 (2008)
Page 11
Forth 990 (2008)
FLOM
Balance Sheet
(A)
Beginning of year
1
2
3
4
5
Cash-non-interest- bearing
Savings and temporary cash investments .
.
.
Pledges and grants receivable , net . . . .
Accounts receivable , net . . . . . . .
Receivables from current and former officers,
.
.
.
. . .
. . .
. . .
directors,
.
.
d
.
B
O 6 S/
-
. . .
. . . . .
. . . . .
trustees, key
(B)
End of year
q
11
12
13
_Z 6 t1 6 4
1
Accounts payable and accrued expenses .
Grants payable
. . . . . . . . .
.
.
.
.
.
.
.
.
.
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.
19
20
Deferred revenue . . . .
Tax-exempt bond liabilities
.
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18
19
20
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21
21
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co
17
18
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11
12
Total assets. Add lines 1 throu g h 15 must
.
.
.
10c
16
.
.
.
q6
15
.
.
.
6
7
8
9
85
Investments-publicly traded securities
. . . .
Investments-other securities. See Part IV , line 11
Investments-program-related. See Part IV , line 11
Intangible assets . . . . . . . . .
1y)GG^
Other assets. See Part IV , line 11
14
ro
/
,{
rl
117415
22
Payables to current and former officers, directors, trustees, key
23
24
25
26
employees, highest compensated employees, and disqualified
persons. Complete Part II of Schedule L
Secured mortgages and notes payable to unrelated third parties . .
Unsecured notes and loans payable . . . .
. . S h4 P e,5
Other liabilities. Complete Part X of Schedule D
Total liabilities. Add lines 17 through 25
Organizations that follow SFAS 117, check here ^ ❑ and
complete lines 27 through 29, and lines 33 and 34.
J
W 27
M 28
29
ILL
o
42 30
m
0 31
32
33
34
b
17
S8
15.2
3
-
60
/ S 964
.Z
,2
O
lrl l r7
q 417 IY W
- 27
28
29
-
S
.2
23
24
25
26
3
Unrestricted net assets . . . . . . . . . . . . . . . .
Temporarily restricted net assets . . . . . . . . . . . . .
Permanently restricted net assets . . . . . . . .
Organizations that do not follow SFAS 117, check here ^ ❑
and complete lines 30 through 34.
Capital stock or trust principal , or current funds
. . . . . . .
Paid-in or capital surplus , or land , building , or equipment fund
Retained earnings , endowment , accumulated income, or other funds
Total net assets or fund balances . . . . . . . . . .
Total liabilities and net assets/fund balances
M_ IM[fl- Financial
.$
13
14
15
16
.25.E
uai line 34JI
. . . . . . . . . .
Escrow account liability. Complete Part IV of Schedule D
,3
5
Receivables from other disqualified persons (as defined under section
4958(f)(1)) and persons described in section 4958(c)(3)(B). Complete
Part II of Schedule L . . . . . . . . . . . . . . . . .
Notes and loans receivable , net
. . . . . . . . . . . .
Inventories for sale or use
Prepaid expenses and deferred charges
s2
Land , buildings , and equipment: cost basis 10a
7
8
a
9
10a
b Less: accumulated depreciation. Complete
10b
Part VI of Schedule D . . . . .
-36
3
4
employees , or other related parties . Complete Part II of Schedule L
6
1
2
-
-
-
30 1
31
32
33
34
5- 1 /
9
-156 4>
.6.25 D '7
D
S 41i
Statements and Reportin g
Yes
1 Accounting method used to prepare the Form 990: ❑ Cash
06 Accrual ❑ Other
2a Were the organization's financial statements compiled or reviewed by an independent accountant? .
b Were the organization's financial statements audited by an independent accountant?
. . . . .
.
.
No
2a
2b
c If "Yes" to lines 2a or 2b, does the organization have a committee that assumes responsibility for oversight of
the audit , review, or compilation of its financial statements and selection of an independent accountant?
3a As a result of a federal award, was the organization required to undergo an audit or audits as set forth in
the Single Audit Act and OMB Circular A-133?
. . . . . . .
b If "Yes," did the organization underg o the req uired audit or audits? .
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.
3a
3b
Form 990 (2008)
SCHEDULE 13
1
OPAB No . 1545-0047
(cam goof
L]eparGrei t of t c Tieaaury
iin9•„oi R,IJoru9 senvice
> Attach to Fovm M. To bM cores; : effid by opganizz4invrs that
ansvmred "Yes," to Form 980, Part IV, line G, 7, 6, 9, 10 , 11, or 12.
Wants of tho organization
Om p'orybr idantrfica4ion numlrzr
Paducah City
NMI
1o ees Credit Union
1 61
O7iar"li2ations Maintaining Donor edviged Funds c7 C air 35rniDEr Funda
:. 0601328
cr Qcccuri a . Complete if
the organization answered "Yes" to Form 990, Part IV, line 6.
(al Donor advised funds
1
2
3
4
5
6
9
2
(b) Furds and other ac:,ourrta
Total number at end of year . .
Aggregate contributions to (during year)
Aggregate grants from (during yeas)
Aggregate value at end of year
Did the organization inform all donors and donor advisors in writing that the assets held in donor advised
funds ate the organization's property, subject to the organization's exclusive legal control? . . . . .
❑ Yes ❑ V'to
Did the organization intann all grantees. donors, and donor advisors in writing that grant funds may be
used only for charitable purposes and not for the benefit of the donor or donor advisor or other
impermissible private benefit?
❑ yes ❑ M0
Co nservation [Easements. Complete if the organization answered --Yes" to Form 990, Part IV, line 7.
Purpose(s) of conservation easements held by the organization (check all that apply).
❑ Preservation of land for public use (e. g., recreation or pleasure)
❑ Preservation of an historically important land area
❑ Protection of natural habitat
❑ Preservation of certified historic structure
❑ Preservation of open space
Complete lines 2a-2d if the organization held a qualified conservation contribution in the form of a conservation easement
on the last day of the tax year
Feld at the End of the Year
a
Total number of conservation easements .
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2a
b Total acreage restricted by conservation easements . . . . . . . . . . . . . .
ab
c Number of conservation easements on a certified historic structure included in (a) . . . .
ac
d Number of conservation easements included in tc) acquired after 8/17/06 . . . . . ,
2d
Number of conservation easements modified, transferred , released , extinguished, or terminated by the organization during
3
the taxable year> ------------------4
Number of states where property subject to conservation easement is located D --------------_---5
Does the organis ation have a written policy regarding the periodic monitoring, inspection , violations, and
enforcement of the conservation easements it holds?
. . . . . . . . . . . . . . . . .
❑ Yes ❑ I o
6
Staff or volunteer hours devoted to monitoring, inspecting , and enforcing easements fining the year> ------------------_
7 Amount of expenses incurred in monitoring , inspecting, and enforcing easements during the yearn $ ------------------8 Does each conservation easement reported on line 2(d) above satisfy the requirements of section
9
170th)(4)(R){) and section 170 (h){4)0)(Ji)7 . . . . . . . . . . . . . . . . . . . . . .
❑ Yes ❑ mo
In Part XIV, describe hmv the organization reports conservation easements in its revenue and expense statement, and
balance sheet , and include, if applicable. the text of the footnote to the organization's financial statements that describes
the organization 's accounting for conservation easements.
TM-
argavo98a4loi,s Maintaiveung Collections a3 M, historical Torr as ms , tDr ©t te7 Smillar Assets.
Complete if the organization answered "Yes" to Form 930 , Part IV, line 8.
9a If the organization elected , as permitted under SFAS 116, not to report in its revenue statement and balance sheet works o9
art, historical treasures, or other similar assets held for public exhibition , education , or research in furthermice of public service,
provide, in Part XIV, the text of the footnote to its financial statements that describes these items
b If the organization elected , as permitted under SFAS 116, to report in its revenue statement and balance sheet works of art,
historical treasures , or other similar assets held for public exhibition , education, o research in furtherance of public service,
provide the following amounts relating to these items:
(i) Revenues included in Form 390, Part VIII, line 1 . . . . . . . . . . . . . . . D $_________________________
(9) Assets included in Form 930, Part X . . . . . . . . . . . . . . . . . . .
$------------------------If
the organization receh ^d or held works of art, historical treasures , or other similar assets for financial gain, provide the
2
f!ir^^°^^ ^ amen
sir
tc b -reported under SFAS 116 relating to these items:
a Revenues included in Form 930 , Port VIII, line 1 . . . . . . . . . . . . . . . . D $.-------.---_..----_.--_
ID Assets included in Farm 930, Part X . . . . . . . . . . . . . . . . . . . . C> $-------------- ---..-.--.
For Privacy Act and Paperwork Reduction Act Notice, aes tho Irtatruc2ton
for Form 990 .
Cat No 52283D
B ehadu5 0 (Forth 080) 2008
&cheda3 D (Form 380) 2008
Page 2
Qzgar 572atiorls {Iflairttain5ng Collections cod !Art, E}ts4orical Treasures , or Other SilmiOar meets (continued)
Using the oganization 's accession and other records, check any of the follrnA1ng that are a significant use of its collection
items (check all that apply):
_Q
3
❑ Public exhibition
d ❑ Loan or exchange programs
❑ Scholarly research
a ❑ Other ---------------------------------------------------❑ Preservation for future generations
Piovide a description of the organization 's collections and explain
they further the organization's exempt purpose in
Part XIV.
5
During the year, did the organization solicit or receive donations of all historical treasures , or other similar
assets to be sold to raise funds rather than to be maintained as part of the organization's collection? .
❑ Yes ❑ Mo
P" Trust , [Escrow and Custcdeal Arrangements. Complete it organization answered "Yes" to Form 990.
a
b
c
4
Part IV, line 9, or reported an amount on Form 990, Part X, line 21.
is Is the organization an agent , trustee , custodian or other intermediary for contributions or other assets not
included on Form 930, Part X? . . . . . . . . . . . . . . . . . . . . . . . . .
❑ Yes []Na
b If "Yes," explain the arrangement in Part XIV and complete the following table:
Amount
c
d
e
f
2a
b
Beginning balance . . .
Additions during the year .
Distributions during the year
Ending balance . . . .
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Did the organization include an amount on Form a90, Part X, line 21'
If "Yes," exp lain the arran g ement in Part XIV
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9c
Id
9e
if
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❑ Yes ❑ No
Er9dowmeni Funds. Com lete it org anization answered "Yes" to Form 990, Part IV, line 10.
(al Current year
N Prior year
(e)Tvra years back
(d) Three years back
(a) Four years back
la
b
c
d
Beginning of year balance . . .
Contributions . . . . . . .
Investment earnings or losses .
Grants or scholarships . . . Other er,Pendltui es for facilities
and programs . . . . . . .
f Administrative expenses . . .
g End of year balance . . . . .
2
Provide the estimated percentage of the year end balance held as:
Board designated or quasi - enda.,,,,rnent C> --------------- 0A
Permanent endowment I> --------------- OA
Term endowment > ---------------%
Are there endowment funds not in the possession of the organization that are held and administered for the
organization by:
(i) unrelated organizations
. . . . . . . . . . . . . . . . . . . . . . . . . .
(ii) related organizations . . . . . . . . . . . . . . . . . . . . . . . . . . .
b If "Yes " to 3a(I), are the related organizations listed as required on Schedule R? . . . . . . . .
4
Describe in Part XIV the intended uses of the organization's endowment funds.
a
b
c
3a
^)kn? ^i[l
No
3at')
39 ii
3b
I wves4mants-Land, Bacaldirgs , and EaM3zrriant . See Form 990. Part X. line 10.
Description of Investment
9a
b
Yes
(.and . .
Building 's .
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.
la) Cost or at her oasis
prrrestmentl
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,
(b) Cost ar other
basis (other)
(a) Depreciation
(d) Book value
0-f7_0L
465 00
.
c Leasehold improvements
. . . . .
d Equipment . . . . . . . . . .
24
9_.010
© Other .
Total. Add lines 1 a-1 e. (Column () should equal Form 9 90, Part X, column (8,1, line 10(c).) .
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1465 _ fin
6ch3du13 D (Finn S991 2005
Schedule D (Fonn 980) 2008
f
Iro^as;4uveau^
Page 3
-®k^fav aecuVB4iea . See Form 990 , Part X, line 12.
em) Description o15e:urity of catego y
(c) Method of valuation:
(b) Book value
Coat or end - ni-year market value
t ncluding nan-n of securtyl
Financial derimvatfrres and other financial products .
Closely-held equity interests . . . . . . .
Other .-------------- - -----------------------------Membership Capital_Share____________
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21,700.DDaccountin_ our_ Corp-rate__________
-.Credit-.union.Kentucky_ Corporate
---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Total. I'fautrn (bJ sho,i'd equal Fo,,n 990, Pail x cal 13. line 12 J D
Ietw gmonta- Piro ram Roosted . See Form 990, Part
fah Description of investment type
Gb] Book value
I
Total (Cro urrn l'bJ shoi i equal Fo,, n 930, Par' X, c
°
line 13.
(o) Method of valuation
Cost or end-of-.ear market value
• he 13 J
O46ven Ass ets - See Farm 990 Part X_ line 15_
(h) Book value
(a) Descriptlo-
National Credit Union share insurance fund-paid in and held by
the NCUA.
It is a requirement for all federa lly insured
i
unions and based on member share savings balance.
Total . Column (b) should equal Form 990, Par? X, col
8 line 15. )
19 8.6-fan
. D
In Part V", provide the text of the footnote to the organization's financial statements that reports the oa ganization's liability f or
uncertain tax positions under FIN 48.
Scheduh D (Form 68012008
&cfadu:e D (Foam 330) 2008
Page 4
ReccncMaticr of Chan ge in
1
2
3
4
5
6
7
9
9
10
Total revenue (Form 390, Part VIII column (A), line 12)
Total expenses (Form 390. Part IX, column (A), line 25)
Excess or (deficit) for the year Subtract line 2 from line
Net unrealized gains losses) on investments
. . .
Donated services and use of facilities . . . . . .
Investment expenses . . . . . . . . . . .
Prior period adjustments . . . . . . . . . .
Other {Describe in Pait XIV) . . . . . . . . .
Total adjustments (net). Add lines 4-8 .
Excess or (deficit) for the y ear p er financial statements .
R ccnciI atiooii of Rawanus
°
1
2
a
b
c
d
e
3
4
a
b
e
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Combine lines 3 and 9 ,
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10
zv Aaatod Financial Sl at rrionts MVil h f auanue Par RaWvn
Total revenue, gains , and other support per audited financial statements . .
Amounts included on line 1 but not an Form 980, Part VIII, line 12Net unreali2ed gains on investments , , , , , , , , , , ,
2a
Donated services and use of facilities . . . . . . . . . .
2b
Recoveries of prior year grants . . . . . . . . . . . . .
2c
Other (Describe in Part XIV) . . . . . . . . . . . . .
2d
Add lines 2a through 2d . . . . . . . . . . . . . . . . . .
Subtract line 2a from line I . . . . . . . . . . . .
Amounts included on Form 390, Part
I, line 12 , but not on line 1:
4a
Investment expenses not included on Forin 990, Part VIII, line 7b
4b
Olher (Describe in Part XIV) . . . . . . . . . . . .
Add lines 4a and 4b
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Total reven ue Add lines 3 and 4c. (rhis should equal Form 290 , Part I , line 12.)
p 1l
I
2
ell AsseQe from Form O to Financial StatervrenQs
J1)
ReconcUIiaticri of DTI
3
c
5
naeS pe r Agndift d FinancUaO Statements With E1( at'9s£1z [per Return
Total expenses and losses per audited financial statements . .
Amounts included on line 1 but not on Form 990, Part IX, line 25:
a Donated services and use of facilities . . . . . . . . . .
b Prior year adjustments . . . . . . . . . . . . . . .
c Losses reported on Form 980. Part IX. line 25 .
d Other Describe in Part )(IV) . . .
e Add lines 2a through 2d . . . .
3
Subtract line 2e from line I . . .
4
Amounts included on Form 990, Part
a Investment expenses not included on
b Other (Describe in Part XINA
. .
c Add lines 4a and 4b
. . . . .
5 Total expenses. Add lines 3 and 4c.
per.
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2d
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IY„ line 25, but not on line 1:
Form 980, Part VIII, line 7b
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his should e q ual Form 990. Pant I. line 18.
4c
5
sup plemenW Ioafcrmattion
Complete this part to provide the descriptions required for Part II, lines 3, 5; and 9; Part III, lines 1 a and 4; Part IV, lines 1 b
and 2b; Pat V, line 4; Part X; Part XI, line 8; Part XII, lines 2d and 4b; and Part XIII, lines 2d and 4b.
3 of 3
8/7/2009 11:34 A
SCHEDULE 0
(orm 1990)
OIJB No . 1545-004 7
Supplemental Information to Form 990
Attach to Fovm 990. To be completed by ov©aniaations to provide
additional information for responses to specific quastions for the
Form 880 or to provide any additional information.
I partrreid of t e Treasury
I'd9•1131 Rs'rer-us Service
Name of the organization
MON
Pemp!oyar identification number
Paducah City Employees Credit Union
61 :.0601328
------------------------------------------------------------------------------------------------------------------------------------------------------Part VI
------------------------------------------------------------------------------------------------------------------------------------------------------6)The Credit Union has members.
Each person with a savings account is a member
------------------------------------------------------------------------------------------------------------------------------------------------------of the Credit Union.
-------------------------------------------------------------------------------------------------------------------------------------------------------
__- 7a)_The.Board.of__Uirectors_ which__consists- of-7--people-_is-_the--gauaarnjng--body-of -----------------
the Credit Union.
Each d;.rector serves a 3_ year
and_
term
elected
---- - ----- - -- ------ --is_
-- ----- ------- - j?y
----__-_ Cxedit_ Union- members- a--- he _ CU_Jnnual.Meeting--held_dn_ the-1st_Muarter__of-------------------------- - - ach-year.------------------------------------------------------------------------------------------------------------------- ----------