401k Plan data: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU plan

CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 401k Plan overview

Plan Name	CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU
Plan identification number	001

CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

Profit-sharing
ERISA section 404(c) Plan - This plan, or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1.
Total participant-directed account plan - Participants have the opportunity to direct the investment of all the assets allocated to their individual accounts, regardless of whether 29 CFR 2550.404c-1 is intended to be met.
Code section 401(k) feature - A cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan that provides for an election by employees to defer part of their compensation or receive these amounts in cash.
Code section 401(m) arrangement - Employee contributions are allocated to separate accounts under the plan or employer contributions are based, in whole or in part, on employee deferrals or contribtions to the plan. Not applicable if plan is 401(k) plan with only QNECs and/or QMACs. Also not applicable if Code section 403(b)(1), 403(b)(7) or 408 arrangements/accounts/annuities.
Plan provides for automatic enrollment in plan that has employee contributions deducted from payroll.
Total or partial participant-directed account plan - plan uses default investment account for participants who fail to direct assets in their account.
Master plan - A pension plan that is made available by a sponsor for adoption by employers; that is the subject of a favorable opinion letter; and for which a single funding medium (for example, a trust or custodial account) is established for the joint use of all adopting employers.
Plan sponsor(s) is (are) a member(s) of a controlled group (Code sections 414(b), (c), or (m)).

401k Sponsoring company profile

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

Company Name: FIRSTLIGHT FEDERAL CREDIT UNION

Employer identification number (EIN): 741259391

NAIC Classification: 522130
NAIC Description: Credit Unions

Form 5500 Filing Information

Submission information for form 5500 for 401k plan CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
001 2015-01-01 GRACE MUNOZ
001 2014-01-01 FRED PEREA
001 2013-01-01 SUSANA GALINDO
001 2012-01-01 KARIN MELSON
001 2011-01-01 KARIN MELSON
001 2009-01-01 KARIN MELSON

Plan id#	Filing Submission Date	Name of Administrator
001	2015-01-01	GRACE MUNOZ
001	2014-01-01	FRED PEREA
001	2013-01-01	SUSANA GALINDO
001	2012-01-01	KARIN MELSON
001	2011-01-01	KARIN MELSON
001	2009-01-01	KARIN MELSON

Plan Statistics for CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU

401k plan membership statisitcs for CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU

Measure Date Value
2015: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2015 401k membership
Total participants, beginning-of-year 2015-01-01 611
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 0
Number of retired or separated participants receiving benefits 2015-01-01 0
Number of other retired or separated participants entitled to future benefits 2015-01-01 0
Total of all active and inactive participants 2015-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 0
Number of participants with account balances 2015-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 114
2014: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2014 401k membership
Total participants, beginning-of-year 2014-01-01 620
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 296
Number of retired or separated participants receiving benefits 2014-01-01 1
Number of other retired or separated participants entitled to future benefits 2014-01-01 291
Total of all active and inactive participants 2014-01-01 588
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 1
Total participants 2014-01-01 589
Number of participants with account balances 2014-01-01 568
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 46
2013: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2013 401k membership
Total participants, beginning-of-year 2013-01-01 627
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 300
Number of retired or separated participants receiving benefits 2013-01-01 0
Number of other retired or separated participants entitled to future benefits 2013-01-01 289
Total of all active and inactive participants 2013-01-01 589
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 589
Number of participants with account balances 2013-01-01 575
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 53
2012: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2012 401k membership
Total participants, beginning-of-year 2012-01-01 593
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 310
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 297
Total of all active and inactive participants 2012-01-01 607
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 607
Number of participants with account balances 2012-01-01 607
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 42
2011: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2011 401k membership
Total participants, beginning-of-year 2011-01-01 509
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 301
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 269
Total of all active and inactive participants 2011-01-01 570
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 570
Number of participants with account balances 2011-01-01 570
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 55
2009: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2009 401k membership
Total participants, beginning-of-year 2009-01-01 476
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 269
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 196
Total of all active and inactive participants 2009-01-01 465
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 465
Number of participants with account balances 2009-01-01 465
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 25

Measure	Date	Value
2015: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2015 401k membership
Total participants, beginning-of-year	2015-01-01	611
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	0
Number of retired or separated participants receiving benefits	2015-01-01	0
Number of other retired or separated participants entitled to future benefits	2015-01-01	0
Total of all active and inactive participants	2015-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	0
Number of participants with account balances	2015-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	114
2014: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2014 401k membership
Total participants, beginning-of-year	2014-01-01	620
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	296
Number of retired or separated participants receiving benefits	2014-01-01	1
Number of other retired or separated participants entitled to future benefits	2014-01-01	291
Total of all active and inactive participants	2014-01-01	588
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	1
Total participants	2014-01-01	589
Number of participants with account balances	2014-01-01	568
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	46
2013: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2013 401k membership
Total participants, beginning-of-year	2013-01-01	627
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	300
Number of retired or separated participants receiving benefits	2013-01-01	0
Number of other retired or separated participants entitled to future benefits	2013-01-01	289
Total of all active and inactive participants	2013-01-01	589
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	589
Number of participants with account balances	2013-01-01	575
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	53
2012: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2012 401k membership
Total participants, beginning-of-year	2012-01-01	593
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	310
Number of retired or separated participants receiving benefits	2012-01-01	0
Number of other retired or separated participants entitled to future benefits	2012-01-01	297
Total of all active and inactive participants	2012-01-01	607
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	607
Number of participants with account balances	2012-01-01	607
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	42
2011: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2011 401k membership
Total participants, beginning-of-year	2011-01-01	509
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	301
Number of retired or separated participants receiving benefits	2011-01-01	0
Number of other retired or separated participants entitled to future benefits	2011-01-01	269
Total of all active and inactive participants	2011-01-01	570
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	570
Number of participants with account balances	2011-01-01	570
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	55
2009: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2009 401k membership
Total participants, beginning-of-year	2009-01-01	476
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	269
Number of retired or separated participants receiving benefits	2009-01-01	0
Number of other retired or separated participants entitled to future benefits	2009-01-01	196
Total of all active and inactive participants	2009-01-01	465
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	465
Number of participants with account balances	2009-01-01	465
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	25

Financial Data on CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU

Measure	Date	Value
2015 : CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
Total transfer of assets from this plan	2015-12-31	$12,455,621
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2015-12-31	$0
Total income from all sources (including contributions)	2015-12-31	$1,533,175
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$1,866,377
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$1,782,750
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$1,519,786
Value of total assets at end of year	2015-12-31	$0
Value of total assets at beginning of year	2015-12-31	$12,788,823
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$83,627
Total interest from all sources	2015-12-31	$45,800
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$278,844
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2015-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2015-12-31	$278,844
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$9,000,000
If this is an individual account plan, was there a blackout period	2015-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2015-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2015-12-31	No
Contributions received from participants	2015-12-31	$669,217
Participant contributions at end of year	2015-12-31	$0
Participant contributions at beginning of year	2015-12-31	$762,347
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$32,411
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Value of net income/loss	2015-12-31	$-333,202
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$12,788,823
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2015-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2015-12-31	No
Were any leases to which the plan was party in default or uncollectible	2015-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2015-12-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$8,100,358
Interest on participant loans	2015-12-31	$33,653
Interest earned on other investments	2015-12-31	$12,147
Value of interest in common/collective trusts at end of year	2015-12-31	$0
Value of interest in common/collective trusts at beginning of year	2015-12-31	$3,340,830
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$585,288
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-238,865
Net investment gain or loss from common/collective trusts	2015-12-31	$-72,390
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2015-12-31	No
Was there a failure to transmit to the plan any participant contributions	2015-12-31	No
Has the plan failed to provide any benefit when due under the plan	2015-12-31	No
Contributions received in cash from employer	2015-12-31	$818,158
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$1,782,750
Contract administrator fees	2015-12-31	$83,627
Did the plan have assets held for investment	2015-12-31	No
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2015-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2015-12-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2015-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2015-12-31	Disclaimer
Accountancy firm name	2015-12-31	CLIFTONLARSONALLEN LLP
Accountancy firm EIN	2015-12-31	410746749
2014 : CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-12-31	$0
Total income from all sources (including contributions)	2014-12-31	$1,911,995
Total loss/gain on sale of assets	2014-12-31	$0
Total of all expenses incurred	2014-12-31	$1,135,045
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-12-31	$1,061,790
Value of total corrective distributions	2014-12-31	$981
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-12-31	$1,196,646
Value of total assets at end of year	2014-12-31	$12,788,823
Value of total assets at beginning of year	2014-12-31	$12,011,873
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-12-31	$72,274
Total interest from all sources	2014-12-31	$43,450
Total dividends received (eg from common stock, registered investment company shares)	2014-12-31	$228,790
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-12-31	$228,790
Was this plan covered by a fidelity bond	2014-12-31	Yes
Value of fidelity bond cover	2014-12-31	$9,000,000
If this is an individual account plan, was there a blackout period	2014-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-12-31	No
Contributions received from participants	2014-12-31	$676,887
Participant contributions at end of year	2014-12-31	$762,347
Participant contributions at beginning of year	2014-12-31	$768,885
Income. Received or receivable in cash from other sources (including rollovers)	2014-12-31	$70,620
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Value of net income/loss	2014-12-31	$776,950
Value of net assets at end of year (total assets less liabilities)	2014-12-31	$12,788,823
Value of net assets at beginning of year (total assets less liabilities)	2014-12-31	$12,011,873
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-12-31	No
Were any leases to which the plan was party in default or uncollectible	2014-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-12-31	$8,100,358
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-12-31	$7,376,589
Interest on participant loans	2014-12-31	$32,442
Value of interest in common/collective trusts at end of year	2014-12-31	$3,340,830
Value of interest in common/collective trusts at beginning of year	2014-12-31	$3,008,239
Interest earned from interest bearing cash (including money market accounts and certificates of deposit)	2014-12-31	$11,008
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-12-31	$585,288
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-12-31	$858,160
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-12-31	$310,245
Net investment gain or loss from common/collective trusts	2014-12-31	$132,864
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-12-31	No
Was there a failure to transmit to the plan any participant contributions	2014-12-31	No
Has the plan failed to provide any benefit when due under the plan	2014-12-31	No
Contributions received in cash from employer	2014-12-31	$449,139
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-12-31	$1,061,790
Contract administrator fees	2014-12-31	$72,274
Did the plan have assets held for investment	2014-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-12-31	Disclaimer
Accountancy firm name	2014-12-31	CLIFTONLARSONALLEN LLP
Accountancy firm EIN	2014-12-31	410746749
2013 : CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2013 401k financial data
Total unrealized appreciation/depreciation of assets	2013-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2013-12-31	$0
Total income from all sources (including contributions)	2013-12-31	$3,088,236
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$1,122,783
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$1,045,656
Value of total corrective distributions	2013-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$1,603,583
Value of total assets at end of year	2013-12-31	$12,011,873
Value of total assets at beginning of year	2013-12-31	$10,046,420
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$77,127
Total interest from all sources	2013-12-31	$44,104
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$118,972
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2013-12-31	$118,972
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$9,000,000
If this is an individual account plan, was there a blackout period	2013-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2013-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2013-12-31	No
Contributions received from participants	2013-12-31	$707,191
Participant contributions at end of year	2013-12-31	$768,885
Participant contributions at beginning of year	2013-12-31	$509,558
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$29,173
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Value of net income/loss	2013-12-31	$1,965,453
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$12,011,873
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$10,046,420
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2013-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2013-12-31	No
Were any leases to which the plan was party in default or uncollectible	2013-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2013-12-31	$7,376,589
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$6,278,886
Interest on participant loans	2013-12-31	$28,796
Interest earned on other investments	2013-12-31	$15,308
Value of interest in common/collective trusts at end of year	2013-12-31	$3,008,239
Value of interest in common/collective trusts at beginning of year	2013-12-31	$2,597,607
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$858,160
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$660,369
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$974,845
Net investment gain or loss from common/collective trusts	2013-12-31	$346,732
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2013-12-31	No
Was there a failure to transmit to the plan any participant contributions	2013-12-31	No
Has the plan failed to provide any benefit when due under the plan	2013-12-31	No
Contributions received in cash from employer	2013-12-31	$867,219
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$1,045,656
Contract administrator fees	2013-12-31	$77,127
Did the plan have assets held for investment	2013-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2013-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2013-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2013-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2013-12-31	Disclaimer
Accountancy firm name	2013-12-31	CLIFTONLARSONALLEN LLP
Accountancy firm EIN	2013-12-31	410746749
2012 : CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2012 401k financial data
Total unrealized appreciation/depreciation of assets	2012-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2012-12-31	$0
Total income from all sources (including contributions)	2012-12-31	$2,584,389
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$780,008
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$711,106
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$1,562,253
Value of total assets at end of year	2012-12-31	$10,046,420
Value of total assets at beginning of year	2012-12-31	$8,242,039
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$68,902
Total interest from all sources	2012-12-31	$36,496
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$142,925
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2012-12-31	$142,925
Was this plan covered by a fidelity bond	2012-12-31	Yes
Value of fidelity bond cover	2012-12-31	$500,000
If this is an individual account plan, was there a blackout period	2012-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2012-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2012-12-31	No
Contributions received from participants	2012-12-31	$683,843
Participant contributions at end of year	2012-12-31	$509,558
Participant contributions at beginning of year	2012-12-31	$565,730
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$28,612
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Value of net income/loss	2012-12-31	$1,804,381
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$10,046,420
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$8,242,039
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2012-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2012-12-31	No
Were any leases to which the plan was party in default or uncollectible	2012-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2012-12-31	$6,278,886
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$5,256,807
Interest on participant loans	2012-12-31	$22,309
Interest earned on other investments	2012-12-31	$14,187
Value of interest in common/collective trusts at end of year	2012-12-31	$2,597,607
Value of interest in common/collective trusts at beginning of year	2012-12-31	$1,892,639
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$660,369
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$526,863
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$598,934
Net investment gain or loss from common/collective trusts	2012-12-31	$243,781
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2012-12-31	No
Was there a failure to transmit to the plan any participant contributions	2012-12-31	No
Has the plan failed to provide any benefit when due under the plan	2012-12-31	No
Contributions received in cash from employer	2012-12-31	$849,798
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$711,106
Contract administrator fees	2012-12-31	$68,902
Did the plan have assets held for investment	2012-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2012-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2012-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2012-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2012-12-31	Disclaimer
Accountancy firm name	2012-12-31	CLIFTONLARSONALLEN LLP
Accountancy firm EIN	2012-12-31	410746749
2011 : CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2011 401k financial data
Total unrealized appreciation/depreciation of assets	2011-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2011-12-31	$0
Total income from all sources (including contributions)	2011-12-31	$1,658,450
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$422,727
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$363,313
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$1,697,273
Value of total assets at end of year	2011-12-31	$8,242,039
Value of total assets at beginning of year	2011-12-31	$7,006,316
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$59,414
Total interest from all sources	2011-12-31	$35,913
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$121,492
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2011-12-31	$121,492
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$8,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2011-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2011-12-31	No
Contributions received from participants	2011-12-31	$614,199
Participant contributions at end of year	2011-12-31	$565,730
Participant contributions at beginning of year	2011-12-31	$449,468
Income. Received or receivable in cash from other sources (including rollovers)	2011-12-31	$62,979
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Income. Non cash contributions	2011-12-31	$0
Value of net income/loss	2011-12-31	$1,235,723
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$8,242,039
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$7,006,316
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2011-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2011-12-31	No
Were any leases to which the plan was party in default or uncollectible	2011-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2011-12-31	$5,256,807
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$4,657,664
Interest on participant loans	2011-12-31	$23,051
Interest earned on other investments	2011-12-31	$12,862
Value of interest in common/collective trusts at end of year	2011-12-31	$1,892,639
Value of interest in common/collective trusts at beginning of year	2011-12-31	$1,493,901
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$526,863
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$405,283
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-204,781
Net investment gain or loss from common/collective trusts	2011-12-31	$8,553
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2011-12-31	No
Was there a failure to transmit to the plan any participant contributions	2011-12-31	No
Has the plan failed to provide any benefit when due under the plan	2011-12-31	No
Contributions received in cash from employer	2011-12-31	$1,020,095
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$363,313
Contract administrator fees	2011-12-31	$59,414
Was the provided the required notice or one of the exceptions to providing the black out period notice applied under 29 CFR 2520.101-3	2011-12-31	Yes
Did the plan have assets held for investment	2011-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2011-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2011-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2011-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2011-12-31	Disclaimer
Accountancy firm name	2011-12-31	CLIFTONLARSONALLEN LLP
Accountancy firm EIN	2011-12-31	410746749
2010 : CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2010 401k financial data
Total unrealized appreciation/depreciation of assets	2010-12-31	$0
Total transfer of assets to this plan	2010-12-31	$0
Total transfer of assets from this plan	2010-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2010-12-31	$0
Total income from all sources (including contributions)	2010-12-31	$1,978,828
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$573,826
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$522,043
Value of total corrective distributions	2010-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$1,247,818
Value of total assets at end of year	2010-12-31	$7,006,316
Value of total assets at beginning of year	2010-12-31	$5,601,314
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$51,783
Total interest from all sources	2010-12-31	$15,223
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$95,036
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2010-12-31	$95,036
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$8,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$624,706
Participant contributions at end of year	2010-12-31	$449,468
Participant contributions at beginning of year	2010-12-31	$235,816
Income. Received or receivable in cash from other sources (including rollovers)	2010-12-31	$198,445
Other income not declared elsewhere	2010-12-31	$11,977
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Value of net income/loss	2010-12-31	$1,405,002
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$7,006,316
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$5,601,314
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2010-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2010-12-31	No
Were any leases to which the plan was party in default or uncollectible	2010-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2010-12-31	$4,657,664
Interest on participant loans	2010-12-31	$15,223
Value of interest in common/collective trusts at end of year	2010-12-31	$1,493,901
Assets. Value of investments in 103.12 investment entities at beginning of year	2010-12-31	$5,365,498
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2010-12-31	$405,283
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$457,235
Net investment gain or loss from common/collective trusts	2010-12-31	$151,539
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2010-12-31	No
Was there a failure to transmit to the plan any participant contributions	2010-12-31	No
Has the plan failed to provide any benefit when due under the plan	2010-12-31	No
Contributions received in cash from employer	2010-12-31	$424,667
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$522,043
Contract administrator fees	2010-12-31	$51,783
Did the plan have assets held for investment	2010-12-31	Yes
Did the plan hold any assets whose current value was neither redily determinable on an established market nor set by an independent third party appraiser	2010-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2010-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2010-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2010-12-31	Disclaimer
Accountancy firm name	2010-12-31	ORTH, CHAKLER, MURNANE AND CO CPAS
Accountancy firm EIN	2010-12-31	650662923

Form 5500 Responses for CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU

2015: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2015 form 5500 responses
2015-01-01	Type of plan entity	Single employer plan
2015-01-01	Submission has been amended	No
2015-01-01	This submission is the final filing	Yes
2015-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2015-01-01	Plan is a collectively bargained plan	No
2015-01-01	Plan funding arrangement – Insurance	Yes
2015-01-01	Plan funding arrangement – Trust	Yes
2015-01-01	Plan benefit arrangement – Insurance	Yes
2015-01-01	Plan benefit arrangement - Trust	Yes
2014: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2014 form 5500 responses
2014-01-01	Type of plan entity	Single employer plan
2014-01-01	Submission has been amended	No
2014-01-01	This submission is the final filing	No
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2014-01-01	Plan is a collectively bargained plan	No
2014-01-01	Plan funding arrangement – Insurance	Yes
2014-01-01	Plan funding arrangement – Trust	Yes
2014-01-01	Plan benefit arrangement – Insurance	Yes
2014-01-01	Plan benefit arrangement - Trust	Yes
2013: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2013 form 5500 responses
2013-01-01	Type of plan entity	Single employer plan
2013-01-01	Submission has been amended	No
2013-01-01	This submission is the final filing	No
2013-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2013-01-01	Plan is a collectively bargained plan	No
2013-01-01	Plan funding arrangement – Insurance	Yes
2013-01-01	Plan funding arrangement – Trust	Yes
2013-01-01	Plan benefit arrangement – Insurance	Yes
2013-01-01	Plan benefit arrangement - Trust	Yes
2012: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2012 form 5500 responses
2012-01-01	Type of plan entity	Single employer plan
2012-01-01	Submission has been amended	No
2012-01-01	This submission is the final filing	No
2012-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2012-01-01	Plan is a collectively bargained plan	No
2012-01-01	Plan funding arrangement – Insurance	Yes
2012-01-01	Plan funding arrangement – Trust	Yes
2012-01-01	Plan benefit arrangement – Insurance	Yes
2012-01-01	Plan benefit arrangement - Trust	Yes
2011: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	Yes
2011-01-01	This submission is the final filing	No
2011-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2011-01-01	Plan is a collectively bargained plan	No
2011-01-01	Plan funding arrangement – Insurance	Yes
2011-01-01	Plan funding arrangement – Trust	Yes
2011-01-01	Plan benefit arrangement – Insurance	Yes
2011-01-01	Plan benefit arrangement - Trust	Yes
2009: CREDIT UNION RETIREMENT PLAN ASSOCIATION 401(K) PLAN AS ADOPTED BY FIRSTLIGHT FCU 2009 form 5500 responses
2009-01-01	Type of plan entity	Single employer plan
2009-01-01	Submission has been amended	No
2009-01-01	This submission is the final filing	No
2009-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2009-01-01	Plan is a collectively bargained plan	No
2009-01-01	Plan funding arrangement – Insurance	Yes
2009-01-01	Plan funding arrangement – Trust	Yes
2009-01-01	Plan benefit arrangement – Insurance	Yes
2009-01-01	Plan benefit arrangement - Trust	Yes

Insurance Providers Used on plan

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

Policy contract number

042-0854-9

Policy instance

Insurance contract or identification number	042-0854-9
Number of Individuals Covered	0
Insurance policy start date	2015-01-01
Insurance policy end date	2015-12-31
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	1
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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

Policy contract number

042-0854-9

Policy instance

Insurance contract or identification number	042-0854-9
Number of Individuals Covered	589
Insurance policy start date	2014-01-01
Insurance policy end date	2014-12-31
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	1
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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

Policy contract number

042-0854-9

Policy instance

Insurance contract or identification number	042-0854-9
Number of Individuals Covered	589
Insurance policy start date	2013-01-01
Insurance policy end date	2013-12-31
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	1
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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

Policy contract number

042-0854-9

Policy instance

Insurance contract or identification number	042-0854-9
Number of Individuals Covered	607
Insurance policy start date	2012-01-01
Insurance policy end date	2012-12-31
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	1
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	Yes
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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

Policy contract number

042-0854-9

Policy instance

Insurance contract or identification number	042-0854-9
Number of Individuals Covered	570
Insurance policy start date	2011-01-01
Insurance policy end date	2011-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	1
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No
Did the insurance company fail to provide any information necessary to complete Schedule A of form 5500?	No

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

Policy contract number

042-0854-9

Policy instance

Insurance contract or identification number	042-0854-9
Number of Individuals Covered	486
Insurance policy start date	2010-01-01
Insurance policy end date	2010-12-31
Total amount of commissions paid to insurance broker	USD $0
Total amount of fees paid to insurance company	USD $0
Are there contracts with allocated funds for individual policies?	No
Are there contracts with allocated funds for group deferred annuity?	No
Are there contracts with allocated funds for types other than group deferred annuity or individual?	No
Contract purchased, in whole or in part, to distribute benefits from a terminating plan	No
Contracts With Unallocated Funds Deposit Administration	1
Are there contracts with unallocated funds for contracts of type immediate participation guarantee?	No
Are there contracts with unallocated funds for contracts of type guaranteed investment?	No
Are there contracts with unallocated funds for contract types other than deposit administration, immediate participation guarantee or guaranteed investment?	No
Health Insurance Welfare Benefit	No
Dental Insurance Welfare Benefit	No
Vision Insurance Welfare Benefit	No
Life Insurance Welfare Benefit	No
Temporary Disability Insurance Welfare Benefit	No
Long Term Disability Insurance Welfare Benefit	No
Unemployment Insurance Welfare Benefit	No
Were dividends or retroactive rate refunds paid in cash?	No
Were dividends or retroactive rate refunds paid as a credit?	No

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Company Name:	FIRSTLIGHT FEDERAL CREDIT UNION
Employer identification number (EIN):	741259391
NAIC Classification:	522130
NAIC Description:	Credit Unions