Northeast Ohio Educational Credit Union5

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					                                                                                                                                                                                                                                                                                 CSE Federal Credit Union in Canton opened a student-run branch in Timken High
                                                                                                                                                                                                                                                                                 School on May 11, 2009. It was the first branch of its kind in the area.

                                                                                                                                                                                                                                                                                 “We are truly excited to say that a group of students will be operating a CSE Federal
                                                                                                                                                                                                                                                                                 Credit Union branch where we started — in a school,” said CEO Stan Barnes.
CSE FCU’s student-run branch opened its first account for Rebecca Labowitz, the educator responsible for the community partnership.                    Students at Summerbridge Wright Bound in Dayton play Universal 1 CU’s “Life After High School.”




 To our Contributors, Colleagues and Friends,                                                                                        2009 Ohio Credit Union Foundation Chapter Liaisons
                 It is an honor to present to you the Ohio Credit Union Foundation’s 2009 Annual Report of
                                                                                                                                     Butler County Chapter                  Mahoning Valley Chapter                    Ohio Valley Chapter
                 activities. Since 1998, the Foundation has promoted financial independence through credit                            Andy Dunn                              Kimberly Stillwagon                        Marsha Leasure
                 unions, and 2009 proved to be no exception. The Ohio Credit Union Foundation helped credit                          Kemba CU                               Associated School Employees CU             Southeastern Ohio CU
                 unions truly make a difference in the lives of their members and communities.
                                                                                                                                     Central Ohio Chapter                   Miami Valley Chapter                       South Central Chapter
                 In 2009, Ohio’s credit unions increased their financial education efforts during a time                              Tara Neiswonger                        Kristina Hurlbert                          Christy Kuhner
                                                                                                                                     MidState Educators CU                  Standard Register FCU                      Atomic CU
                 when their members needed them the most. They invested in their credit union’s future
 by embracing opportunities to develop crucial job skills needed to serve and strengthen credit union                                Cincinnati Chapter                     North Central Chapter                      Stark County Chapter
 membership. They took an active outreach role in their communities. And, they joined together to provide                            Karen Riel                             Vidya Iyengar                              Jeannie Fye
 financial assistance in times of disaster.                                                                                           Classic FCU                            Marion Community CU                        CSE FCU

                                                                                                                                     Cleveland Chapter                      Northeast Chapter                          Summit Chapter
 The Ohio Credit Union Foundation proudly supports Ohio’s credit unions as they make the credit union                                Julie Gee                              Barbara Sopko                              Kathy Hammond
 philosophy of People Helping People a reality. Thank you for being a vital component of the Foundation’s                            Community United CU                    Bailey Controls FCU                        Kent CU
 continued success.
                                                                                                                                     Lake Erie Chapter                      Northwest Chapter                          Western Buckeye Chapter
 — Kathy Kanipe                                                                                                                      Monica Heath                           Patricia DeCesare                          Karen Reams
   Chair
   Ohio Credit Union Foundation
                                                                                                                                     School Employees Lorain Co CU          Directions CU                              Millstream Area CU
                                                                                                                                                                                                                                                        MAKING A
 2009 Ohio Credit Union Foundation Board of Trustees
 Kathy Kanipe, Chair
 Parish FCU
 Bill Herring, Vice Chair
                                           Steve Behler
                                           Kemba CU
                                           Lee Butke
                                                                                      Sandy McCormick
                                                                                      Total Assurance FCU
                                                                                      Paul Mercer
                                                                                                                                     We invite you to join the people and credit unions
                                                                                                                                     who contribute to the Ohio Credit Union Foundation.
                                                                                                                                     Every contribution to the Foundation helps provide individuals, families, and entire communities with eco-
                                                                                                                                     nomic stability through the dignity of financial empowerment. Please consider making a donation to the
                                                                                                                                     Foundation or a deposit in the Community Investment Fund.
                                                                                                                                                                                                                                                        REAL
                                                                                                                                                                                                                                                        DIFFERENCE
 Cincinnati Central CU                     Corporate One FCU                          Ohio Credit Union League
 Sonja Delaney, Treasurer
 Midwest Community FCU
                                           Jennifer Ferguson
                                           Bay Area CU
                                                                                      Foundation Staff
                                                                                      Becky Hart
                                                                                                                                     Your 2010 contribution will help us continue our work to make a real difference in the real world.
                                                                                                                                     To learn more, please contact the Ohio Credit Union Foundation by phone at 800-486-2917, or email
                                                                                                                                     lbusque@ohiocul.org.
                                                                                                                                                                                                                                                        IN THE
                                                                                                                                                                                                                                                        REAL
                                                                                      Executive Director
 Tom Furrey, Secretary                     Rita Haynes
 Western CU                                Faith Community United CU                  Laura Busque
                                                                                      Manager of Outreach
                                                                                                                                                                                                                                                                                          The Ohio Credit Union Foundation
                                                                                                                                                                                                                                                                                         supports educational and outreach

                                                                                                                                                                                                                                                        WORLD
 2010 Foundation Goals                                                                                                                                                   www.OhioCreditUnionFoundation.org
                                                                                                                                                                            10 W. Broad Street, Suite 1100                                                                                 initiatives that promote financial
 The Ohio Credit Union Foundation Board of Trustees established a $195,000 fundraising goal for 2010 and
 a grantmaking goal of $193,000. In 2010, the Foundation will encourage credit unions to become the REAL
                                                                                                                                                                               Columbus, Ohio 43215                                                                                     independence through credit unions.
 Deal, thus emphasizing the importance of outreach and financial education.




                       MESSAGE FROM THE CHAIR                                                                                                                 FOUNDATION SUPPORT                                                                            2009 ANNUAL REPORT                              OUR MISSION
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Philanthropist ($5,000 and above)   American Chemical Society FCU           Morrow County FCU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Kemba CU                            Ashtabula City EFCU                     Motorists Insurance ECU
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Athena CU                               Mutual FCU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Patron ($2,500 - $4,999)            Avon Avenue Baptist Church CU           Nickel Steel FCU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Day Air CU                          Bailey Controls FCU                     North Olmsted School EFCU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  School Emp Lorain Co CU             Bardes EFCU                             OARDC ECU
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Bethel Community FCU                    ODJFS FCU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Friend ($1,000 - $2,499)            Brook Park Municipal EFCU               Ohio Operating Engineers FCU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Associated School ECU               Burger FCU                              Ohio Teamsters CU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Atomic CU                           Burgess & Niple ECU                     PACO FCU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  AurGroup Financial CU               C.C.C. Van Wert CU                      Parish FCU
Associated School Employees CU’s “Financial Starting Points” focused on using credit wisely.   The Northwest Chapter’s Finances 101 teaches students about everyday financial situations.                           Keystone High School participated in a financial marketing competition hosted by School Employees Lorain County CU.                           Nueva Esperanza Community Credit Union will serve residents in South Toledo.      Cardinal Community CU               CANDO CU                                Paxar FCU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  CES CU                              Canton Police & Firemen’s CU            Port Conneaut FCU
                                                                                                                                        OHIO CREDIT UNION FOUNDATION                                                       OHIO CREDIT UNION FOUNDATION                                                                                                                                                                                           Chaco CU                            Cavalier FCU                            Public Library ECU
                                                                                                                                        STATEMENTS OF FINANCIAL POSITION                                                   STATEMENTS OF ACTIVITIES AND CHANGES IN NET ASSETS                            2009 CIF Investors                                                                                                                       Cincinnati Central CU               Central Ohio Community CU               Riverview CU
                                                                                                                                        December 31, 2009 and 2008                                                         For the Years Ended December 31, 2009 and 2008
                                                                                                                                                                                                                                                                                                         In 2009, the Ohio Credit Union Foundation received $91,615 in Community Investment Fund (CIF) dividends (48% of its revenue)             Credit Union of Ohio                Chagrin Falls School EFCU               Rocky River School EFCU
       MAKING A REAL DIFFERENCE IN THE REAL WORLD                                                                                       ASSETS
                                                                                                                                                                                          2009            2008
                                                                                                                                                                                                                           CHANGES IN UNRESTRICTED
                                                                                                                                                                                                                                                                            2009           2008          for the 2010 grantmaking budget thanks to the investments of 49 Ohio credit unions, Corporate One FCU, Credit Union Outreach             CSE FCU                             Champion FCU                            RTA Brooklyn FCU
                                                                                                                                                                                                                                                                                                         Solutions, Inc., and OCUF. CIF deposits are gifts that keep on giving, for they allow OCUF to maintain a secure revenue stream           Day Air CU                          Children’s Medical Center FCU           RTA Hayden FCU
       In 2009, the Ohio Credit Union Foundation proudly awarded more than $213,000 in grants to assist credit                          CURRENT ASSETS
                                                                                                                                         Cash and cash equivalents                  $    452,001   $    334,049
                                                                                                                                                                                                                           NET ASSETS
                                                                                                                                                                                                                                                                                                                                                                                                                                                  DayMet CU                           Chivaho FCU                             S & J School EFCU
                                                                                                                                                                                                                            REVENUES                                                                     that supports the Ohio Credit Union Movement.
       unions and individuals on a statewide and global level, and received contributions in excess of $192,000                          Certificates of deposit
                                                                                                                                         Accounts receivable
                                                                                                                                                                                         300,000
                                                                                                                                                                                               –
                                                                                                                                                                                                        400,000
                                                                                                                                                                                                          6,508
                                                                                                                                                                                                                             Contributions                           $    179,917   $    231,835                                                                                                                                                  First Ohio CU                       Cincinnati Interagency FCU              S.T.O.F.F.E. FCU
                                                                                                                                                                                                                             In-kind contributions                        137,024        114,737
       through the generosity of Ohio credit unions, individuals, and state-level partners.                                              Accounts receivable-related party                 1,449         13,830              Interest income                                3,567         13,155
                                                                                                                                                                                                                                                                                                                                                                                                                                                  FirstDay Financial FCU              City Of Painesville ECU                 Sandusky Ohio Edison EFCU
                                                                                                                                         Accrued interest receivable                          57          1,332
                                                                                                                                                                                                                                                                                                         Associated School ECU                             Dayton Firefighters FCU                        MidState Educators CU                    FirstEnergy Family CU               Civil Service Employee Assn CU          SCFE CU
                                                                                                                                                                                                                             Net assets released from restrictions         26,394         18,152
                                                                                                                                                            TOTAL ASSETS            $   753,507    $   755,719                                                            346,902        377,879         AurGroup Financial CU                             Directions CU                                 Midwest Community FCU                    Libbey FCU                          Classic Federal CU                      School Employees FCU
                                                                                                                                                                                                                                                                                                         Bay Area CU                                       Dover-Phila FCU                               Millstream Area CU
       Financial Education and Outreach                                                                                                 LIABILITIES AND NET ASSETS                                                                                                                                       BMI FCU                                           Faith Community United CU                     Ohio Credit Union Foundation
                                                                                                                                                                                                                                                                                                                                                                                                                                                  MidState Educators CU               Commodore Perry FCU                     SF & M ECU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Midwest Community FCU               Community United CU                     Sherwil CU
       The Foundation made 12 financial education & outreach grants totaling $142,000 to credit unions and Chap-                         CURRENT LIABILITIES                                                                EXPENSES                                                                      Buckeye State CU                                  Fiberglas FCU                                 Ohio Educational CU                                                          Cory Methodist Church CU                Shiloh Baptist Church FCU
                                                                                                                                         Grants payable                             $     66,792   $      96,527            Scholarships and grants                  $    233,802   $    193,722                                                                                                                                                  Ohio Educational CU
       ters participating in community education ventures that fulfill their social responsibility, including:                            Earmarked funds payable                          39,561               –            Contributions to other organizations           15,999         10,000         Burger FCU                                        Firefighters Community CU                      Parish FCU                               Ohio Valley Community CU            Coshocton FCU                           Softite Community FCU
                                                                                                                                                     TOTAL LIABILITIES                  106,353          96,527             Administrative expenses                       137,024        114,737         Butler Heritage FCU                               FirstDay Financial FCU                        Sharefax CU                                                                  Countywide FCU                          Solon School EFCU
         • three student-run credit unions                                                                                                                                                                                                                               386,825        318,509          Cardinal Community CU                             Glass City FCU                                Superior FCU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Sun FCU
                                                                                                                                        NET ASSETS                                                                                                                                                                                                                                                                                                Taleris CU                          Cuyahoga Falls Municipal ECU            Sorg-Bay West FCU
         • production of the national PBS TV show, Biz Kid$                                                                              Unrestricted
                                                                                                                                                                                                                                (DECREASE) INCREASE IN                                                   Cincinnati Central CU                             Gorman Rupp & Assoc CU                        Taleris CU                               Vacationland FCU                    Dairy Pak ECU                           Southeastern Ohio CU
                                                                                                                                                                                                                              UNRESTRICTED NET ASSETS                    (39,923)        59,370
         • a financial education radio program and campaign in Northeast Ohio                                                              Undesignated                                   262,564        247,000                                                                                          Cincinnati Police FCU                             Harvest FCU                                   TeleCommunity CU                                                             Dillonvale FCU                          St Columbkille FCU
                                                                                                                                          Board designated                               342,875        398,362                                                                                          Classic FCU                                       Hopewell FCU                                  Toledo Postal ECU
         • enhancements to the Northwest Chapter’s Finances 101 reality program                                                          Temporarily restricted                           41,715         13,830            CHANGES IN TEMPORARILY                                                                                                                                                                                                 Supporter ($500 - $999)             Directions CU                           St Helen FCU
                                                                                                                                                      TOTAL NET ASSETS                  647,154        659,192
                                                                                                                                                                                                                           RESTRICTED NET ASSETS                                                         Clyde-Findlay Area CU                             Jeep Country FCU                              TopMark FCU                              AP FCU                              Distinguished Service CU                St Julie Billiart FCU
         • production of the Life After High School board game                                                                                                                                                              Contributions
                                                                                                                                                                                                                            Net assets released from restrictions
                                                                                                                                                                                                                                                                           54,279
                                                                                                                                                                                                                                                                         (26,394)
                                                                                                                                                                                                                                                                                          13,830
                                                                                                                                                                                                                                                                                        (18,152)
                                                                                                                                                                                                                                                                                                         CME FCU                                           Kemba CU                                      Total Assurance FCU                      Bay Area CU                         Dynamic FCU                             St Luke’s Parish FCU
                                                                                                                                                                                                                                                                                                         Communicating Arts CU                             KEMBA Financial CU                            Vacationland FCU
         • support for a proposed Latino credit union in Toledo                                                                                        TOTAL LIABILITIES
                                                                                                                                                        AND NET ASSETS              $   753,507    $   755,719                                                                                           Community United CU                               Kent CU                                       Western CU
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Champion CU                         Eight FCU                               St Paul’s Parish FCU
                                                                                                                                                                                                                               INCREASE (DECREASE) IN                                                                                                                                                                                             Cincinnati Police FCU               Faith Community United CU               St Therese/Sts Peter & Paul FCU
                                                                                                                                                                                                                              TEMPORARILY RESTRICTED                                                     Corporate One FCU                                 Kyger Creek CU                                Wright-Patt CU                           Cintel FCU                          First Choice CU                         Stark Metro. Hous. Auth. FCU
                                                                                                                                                                                                                                           NET ASSETS                     27,885         (4,322)
       Professional Development                                                                                                                                                                                                                                                                          Credit Union Outreach Solutions, Inc.             Members Choice CU                                                                      Communicating Arts CU               First Miami Univ Student & Alumni FCU   Steel Valley FCU
                                                                                                                                        OHIO CREDIT UNION FOUNDATION                                                       (DECREASE) INCREASE                                                           Day Air CU                                        Mercy Health Partners FCU                                                                                                  FirstEnergy Family CU                   Struthers FCU
       The Foundation awarded 46 professional development grants totaling $43,500 for credit union staff and vol-                       STATEMENTS OF CASH FLOWS                                                           IN NET ASSETS                                 (12,038)        55,048                                                                                                                                                   Community First CU
                                                                                                                                        Years Ended December 31, 2009 and 2008                                                                                                                                                                                                                                                                    Community Star CU                   Franklin County School EFCU             Sugardale CU
       unteer education, including:                                                                                                                                                                                        BEGINNING NET ASSETS                          659,192        604,144                                                                                                                                                   Eaton Family CU                     Genesis ECU                             Superior Savings CU
                                                                                                                                                                                          2009            2008
           Credit Union National Association (CUNA)                   National Credit Union Foundation                                  CASH FLOWS FROM                                                                               ENDING NET ASSETS              $   647,154    $   659,192          Individual Contributions                                                                                                                 Greater Warren Community FCU        GenFed FCU                              The Way CU
                                                                       • Development Education Training                                 OPERATING ACTIVITIES                                                                                                                                                                                                                                                                                      Hardin Community FCU                Girard CU                               Toledo Fire Fighters FCU
            • America’s Credit Union Conference and Expo                                                                                 (Decrease) increase in net assets          $   (12,038)   $     55,048                                                                                          Philanthropist                          Supporter                        Donor                                Chapter Sponsors                                               Globe Industries ECU                    Toledo Metro FCU
                                                                                                                                         Adjustments to reconcile changes in
                                                                                                                                                                                                                                                                                                                                                                                                                                                  Jeep Country FCU
            • Business Development School                                                                                                                                                                                                                                                                ($1,000 and above)                      ($100 - $249)                    (up to $99)                          Butler Chapter             Kent CU                             Goodyear ECU                            Toledo Police FCU
                                                                      National Youth Involvement Board                                    net assets to net cash provided by
            • Certified Financial Counseling School                                                                                        operating activities                                                                                                                                           Becky Hart                              Vicky Blackorby                  Michael Baughman                     Cincinnati Chapter         Lakeview FCU                        Greater Abyssinia FCU                   Toledo Urban FCU
                                                                       • NYIB Annual Conference                                            (Increase) decrease in                                                                                TOTAL 2009 GRANTS                                       Shawn Kessinger                         Sonja Delaney                    Marilyn Beringer                     Cleveland Chapter          Marion Community CU                 Hamilton County School ECU              TopMark FCU
            • Governmental Affairs Conference                                                                                                 Accounts receivable                         6,508          (6,508)
                                                                                                                                                                                                                                                                                                         Paul Mercer                             Kitty Dilley                     Pam Bonner                           Northeast Chapter          Medina County FCU                   Heekin Can ECU                          Total Assurance FCU
            • Management School                                       Ohio Credit Union League                                                Accounts receivable - related party
                                                                                                                                              Crude interest receivable
                                                                                                                                                                                         12,381
                                                                                                                                                                                          1,275
                                                                                                                                                                                                           4,322
                                                                                                                                                                                                             120
                                                                                                                                                                                                                                                      $213,000                                                                                   John Florian                     Gloria Bryant                        Northwest Chapter          Members First CU                    Hocking Valley CU                       Trailview FCU
                                                                      • ZENITH09                                                           (Increase) decrease in
                                                                                                                                                                                                                                                                                                         Patron                                  Tom Furrey                       Patrick Harris                       Summit Chapter             Ohio Edison/Penn Power CU           Holy Family Parma FCU                   Tri-County CU
            • Regulatory Compliance School                                                                                                    Grants payable                            (29,735)         60,647
                                                                                                                                              earmarked funds payable                     39,561              –                                                                         Professional     ($500 - $999)                           Joy Garapic                      Kelly Calmes                         Western Buckeye Chapter    Powerco CU                          Holy Trinity Parish Bfd Hts FCU         Tuscarawas Schools CU
                                                                                                                                                   NET CASH PROVIDED                                                                                                                                     William Herring                         Julie Gee                        Mary Jane Camarato                                              ProMedica FCU                       Hungarian Reformed Church SBS FCU       UAP EFCU
       Student Scholarships                                                                                                                BY OPERATING ACTIVITIES                       17,952         113,629                                                                         Development                                              Lori George                      Joseph Crawfis                                                                                       Industrial Distributors FCU             United Telephone CU
                                                                                                                                                                                                                                                                                                         Tim Mislansky                                                                                                 Corporate Sponsors         School Emp Lorain Co CU
                                                                                                                                                                                                                                                                                        $43,500                                                  Shawn Gordon                     Marilyn Fadenholz                                               State Highway Patrol FCU            JCS EFCU                                UTU FCU
       The Foundation granted five scholarships totaling $12,500 to statewide winners of local Chapter scholarship                       CASH FLOWS FROM                                                                                                                                                                                                                                                                Ohio Credit Union League
                                                                                                                                        INVESTING ACTIVITIES
                                                                                                                                                                                                                                                                                                         Friend                                  Kathy Hammond                    Carol Frazier                        Weltman Weinberg & Reis    State Transportation ECU            Kennametal Orwell EFCU                  Valley Council CU
       contests. The winners will be furthering their education at Cincinnati State Technical & Community College,                       Sales (purchases) of                                                                                                                                                                                    Rita Haynes                      Denise Glover                                                   TeleCommunity CU                    Kyger Creek CU                          Valley One Community FCU
                                                                                                                                          certificates of deposit                        100,000        (200,000)                                                                                         ($250 - $499)
       Mount Vernon Nazarene University, The Ohio State University, and Grove City (PA) College.                                                                                                                                                                                            Disaster     Lee Butke                               Regina Kelley                    Theresa A. Halaburda                                            The Massillon Area CU               Lane Metropolitan CME CU                VBS FCU
                                                                                                                                                                                                                                   Financial                                                Relief                                               Julie B. Linch                   Peggy Merrill                                                   TPS CU                              Lima Ohio Postal EFCU                   Wayne County Community FCU
                                                                                                                                           NET INCREASE (DECREASE)                                                                                                                                       Wade Goheen
                                                                                                                                                      IN CASH AND                                                                 Education                                                 $15,000      Kathy Kanipe                            Mike Losneck                     Steve Moyer                                                     Unity Catholic FCU                  Local 50 Plumbers/Steamftrs FCU         West Holmes School ECU
       Disaster Relief                                                                                                                           CASH EQUIVALENTS                       117,952         (86,371)
                                                                                                                                                                                                                                 & Outreach                                                              Joe Lind                                John R. Martin                   Mary Beth Murphy                                                Western CU                          Local Union 392 FCU                     West Stark Community FCU
       The Foundation granted $15,000 in disaster relief to the World Council of Credit Unions for international                                                                                                                   $142,000                                                              Josh Reams                              Sandra L. McCormick              Dawn Pagon                                                                                          Marysville Goodyear EFCU                Whitewater Community CU
                                                                                                                                        BEGINNING CASH
                                                                                                                                        AND CASH EQUIVALENTS                            334,049         420,420                                                                           Student                                                Chris Predieri                   James Toles                                                     Donor (up to $499)                  Maumee Educators FCU                    Wilberforce University FCU
       credit union communities in need. The funds provided assistance to Australian brush fire victims and flood                                                                                                                                                                           Scholarships                                           Dave Shoup                       Marilyn Woofter                                                 540 IBEW CU                         Mercy Health Partners FCU               Wiremen’s CU
       relief for communities in El Salvador.                                                                                                        ENDING CASH AND
                                                                                                                                                    CASH EQUIVALENTS                $   452,001    $    334,049                                                                           $12,500                                                Tamlyn Straight-Schervish                                                                        ACME FCU                            Middletown Area Schools CU              Wright-Dunbar Area CU
                                                                                                                                                                                                                                                                                                                                                 Cynthia Strnad                                                                                   Akron Fire Fighters’ CU             Millstream Area CU                      Yorkville Community FCU
                                                                                                                                        SUPPLEMENTAL DISCLOSURES                                                                                                                                                                                 Stephanie Thomas                                                                                 AllWealth FCU                       Minerva Area FCU                        YS FCU
                                                                                                                                         Cash paid during the year for
                                                                                                                                           Income taxes                             $         –    $          –
                                                                                                                                            Interest expense                        $         –    $          –




                              2009 ACCOMPLISHMENTS                                                                                                                                                 2009 FINANCIALS                                                                                       CIF INVESTORS & INDIVIDUAL CONTRIBUTORS                                                                                                                     CREDIT UNION CONTRIBUTORS

				
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Description: Northeast Ohio Educational Credit Union document sample