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STATEMENT OF FINANCIAL CONDITION		PERIOD ENDING December 31, 2011
ASSETS
Regular Loans	$	6,768,269
Leases		- - -
Educational Loans		616
Real Estate Loans		4,008,459
Commercial Real Estate Loans		691,152
ODP Loans		9,490
Visa Loans		746,090
Loans In Liquidation		- - -
Total Loans		12,224,076
Allowance For Loan Loss		(138,864)
Allowance For ODP		(4,577)
Net Loans		12,080,635
Cash On Hand		501,427
US Government Obligations		- - -
Federal Agency Securities		- - -
Other Certificates		8,469,985
Other Investments		22,120
Certificates In Corp CU		- - -
Shares In Corp CU		1,412,351
Total Cash / Investments		10,405,883
Land 9405 S. Highway 17-92		458,000
Building (NET)		302,421
Furniture & Equipment (NET)		27,714
Accounts Receivable		148,882
Prepaid / Deferred Expense		46,802
Accrued Income		45,076
NCUA Share Insurance Fund		194,722
Assets Acquired In Liq / Loan		---
Other Assets		41,354
Total Other Assets		1,264,970
Total Assets		23,751,488

LIABILITIES / EQUITY
Accounts Payable	$	1,177
Accrued Dividends Payable		- - -
NCUSIF Stabilization		- - -
Other Liabilities		88,954
Notes & Interest Payable		- - -
Total Liabilities		90,131
Share Accounts		6,743,094
Checking Accounts		3,135,388
Club Accounts		254,329
Escrow Deposit Accounts		35,977
Money Market Accounts		4,058,544
IRA Share Accounts		891,337
HSA Share Accounts		276,234
Certificates  - IRA		1,668,071
Certificates 3-6 Months		189,006
Certificates 12 Months		1,227,352
Certificates over 12 Months		1,464,427
Total Member Savings		19,943,759
Reserves		702,342
Undivided Earnings		3,004,517
Net Income (Loss)		10,738
Total Capital / Equity		3,717,597
Total Liabilities / Equity		23,751,488
CONTINGENT LIABILITIES
VISA		893,021
Home Equity (350)		184,183
Unsecured LOC (10)		35,353
Total		1,112,557
Capital		15.65%