401k Plan data: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST plan

NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 401k Plan overview

Plan Name	NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST
Plan identification number	002

NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST Benefits

401k Plan Type

Defined Contribution Pension

Plan Features/Benefits

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

401k Sponsoring company profile

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

Company Name: NORTHCOUNTRY FEDERAL CREDIT UNION

Employer identification number (EIN): 030184742

NAIC Classification: 522130
NAIC Description: Credit Unions

Additional information about NORTHCOUNTRY FEDERAL CREDIT UNION

Jurisdiction of Incorporation: Vermont Secretary of State Corporations Division

Incorporation Date: 2008-01-29

Company Identification Number: 84691

Legal Registered Office Address: 69 SWIFT ST., STE. 100

SO. BURLINGTON
United States of America (USA)
05403

More information about NORTHCOUNTRY FEDERAL CREDIT UNION

Form 5500 Filing Information

Submission information for form 5500 for 401k plan NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

Plan id# Filing Submission Date Name of Administrator Date Administrator Signed Name of Company Sponsor Date Sponsor Signed
002 2021-01-01
002 2021-01-01 TANYA CUSHING
002 2020-01-01
002 2020-01-01
002 2019-01-01
002 2018-01-01
002 2017-01-01 TANYA CUSHING
002 2016-01-01 TANYA CUSHING
002 2015-01-01 TANYA CUSHING
002 2014-01-01 TANYA CUSHING 2015-09-22
002 2013-01-01 TANYA CUSHING 2014-10-09
002 2012-01-01 TANYA CUSHING 2013-06-13
002 2011-01-01 TANYA CUSHING 2012-09-07
002 2010-01-01 LISA GADWAY 2011-07-05

Plan id#	Filing Submission Date	Name of Administrator	Date Administrator Signed
002	2021-01-01
002	2021-01-01	TANYA CUSHING
002	2020-01-01
002	2020-01-01
002	2019-01-01
002	2018-01-01
002	2017-01-01	TANYA CUSHING
002	2016-01-01	TANYA CUSHING
002	2015-01-01	TANYA CUSHING
002	2014-01-01	TANYA CUSHING	2015-09-22
002	2013-01-01	TANYA CUSHING	2014-10-09
002	2012-01-01	TANYA CUSHING	2013-06-13
002	2011-01-01	TANYA CUSHING	2012-09-07
002	2010-01-01	LISA GADWAY	2011-07-05

Plan Statistics for NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

401k plan membership statisitcs for NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

Measure Date Value
2021: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2021 401k membership
Total participants, beginning-of-year 2021-01-01 205
Total number of active participants reported on line 7a of the Form 5500 2021-01-01 172
Number of retired or separated participants receiving benefits 2021-01-01 0
Number of other retired or separated participants entitled to future benefits 2021-01-01 47
Total of all active and inactive participants 2021-01-01 219
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2021-01-01 0
Total participants 2021-01-01 219
Number of participants with account balances 2021-01-01 219
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2021-01-01 8
2020: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2020 401k membership
Total participants, beginning-of-year 2020-01-01 215
Total number of active participants reported on line 7a of the Form 5500 2020-01-01 161
Number of retired or separated participants receiving benefits 2020-01-01 0
Number of other retired or separated participants entitled to future benefits 2020-01-01 44
Total of all active and inactive participants 2020-01-01 205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2020-01-01 0
Total participants 2020-01-01 205
Number of participants with account balances 2020-01-01 204
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2020-01-01 5
2019: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2019 401k membership
Total participants, beginning-of-year 2019-01-01 202
Total number of active participants reported on line 7a of the Form 5500 2019-01-01 169
Number of retired or separated participants receiving benefits 2019-01-01 0
Number of other retired or separated participants entitled to future benefits 2019-01-01 42
Total of all active and inactive participants 2019-01-01 211
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2019-01-01 0
Total participants 2019-01-01 211
Number of participants with account balances 2019-01-01 211
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2019-01-01 9
2018: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2018 401k membership
Total participants, beginning-of-year 2018-01-01 182
Total number of active participants reported on line 7a of the Form 5500 2018-01-01 165
Number of retired or separated participants receiving benefits 2018-01-01 1
Number of other retired or separated participants entitled to future benefits 2018-01-01 34
Total of all active and inactive participants 2018-01-01 200
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2018-01-01 0
Total participants 2018-01-01 200
Number of participants with account balances 2018-01-01 200
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2018-01-01 15
2017: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2017 401k membership
Total participants, beginning-of-year 2017-01-01 156
Total number of active participants reported on line 7a of the Form 5500 2017-01-01 154
Number of retired or separated participants receiving benefits 2017-01-01 0
Number of other retired or separated participants entitled to future benefits 2017-01-01 22
Total of all active and inactive participants 2017-01-01 176
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2017-01-01 0
Total participants 2017-01-01 176
Number of participants with account balances 2017-01-01 174
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2017-01-01 8
2016: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2016 401k membership
Total participants, beginning-of-year 2016-01-01 145
Total number of active participants reported on line 7a of the Form 5500 2016-01-01 130
Number of retired or separated participants receiving benefits 2016-01-01 2
Number of other retired or separated participants entitled to future benefits 2016-01-01 17
Total of all active and inactive participants 2016-01-01 149
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2016-01-01 0
Total participants 2016-01-01 149
Number of participants with account balances 2016-01-01 147
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2016-01-01 10
2015: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year 2015-01-01 137
Total number of active participants reported on line 7a of the Form 5500 2015-01-01 127
Number of retired or separated participants receiving benefits 2015-01-01 1
Number of other retired or separated participants entitled to future benefits 2015-01-01 16
Total of all active and inactive participants 2015-01-01 144
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2015-01-01 0
Total participants 2015-01-01 144
Number of participants with account balances 2015-01-01 144
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2015-01-01 13

Measure	Date	Value
2021: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2021 401k membership
Total participants, beginning-of-year	2021-01-01	205
Total number of active participants reported on line 7a of the Form 5500	2021-01-01	172
Number of retired or separated participants receiving benefits	2021-01-01	0
Number of other retired or separated participants entitled to future benefits	2021-01-01	47
Total of all active and inactive participants	2021-01-01	219
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2021-01-01	0
Total participants	2021-01-01	219
Number of participants with account balances	2021-01-01	219
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2021-01-01	8
2020: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2020 401k membership
Total participants, beginning-of-year	2020-01-01	215
Total number of active participants reported on line 7a of the Form 5500	2020-01-01	161
Number of retired or separated participants receiving benefits	2020-01-01	0
Number of other retired or separated participants entitled to future benefits	2020-01-01	44
Total of all active and inactive participants	2020-01-01	205
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2020-01-01	0
Total participants	2020-01-01	205
Number of participants with account balances	2020-01-01	204
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2020-01-01	5
2019: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2019 401k membership
Total participants, beginning-of-year	2019-01-01	202
Total number of active participants reported on line 7a of the Form 5500	2019-01-01	169
Number of retired or separated participants receiving benefits	2019-01-01	0
Number of other retired or separated participants entitled to future benefits	2019-01-01	42
Total of all active and inactive participants	2019-01-01	211
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2019-01-01	0
Total participants	2019-01-01	211
Number of participants with account balances	2019-01-01	211
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2019-01-01	9
2018: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2018 401k membership
Total participants, beginning-of-year	2018-01-01	182
Total number of active participants reported on line 7a of the Form 5500	2018-01-01	165
Number of retired or separated participants receiving benefits	2018-01-01	1
Number of other retired or separated participants entitled to future benefits	2018-01-01	34
Total of all active and inactive participants	2018-01-01	200
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2018-01-01	0
Total participants	2018-01-01	200
Number of participants with account balances	2018-01-01	200
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2018-01-01	15
2017: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2017 401k membership
Total participants, beginning-of-year	2017-01-01	156
Total number of active participants reported on line 7a of the Form 5500	2017-01-01	154
Number of retired or separated participants receiving benefits	2017-01-01	0
Number of other retired or separated participants entitled to future benefits	2017-01-01	22
Total of all active and inactive participants	2017-01-01	176
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2017-01-01	0
Total participants	2017-01-01	176
Number of participants with account balances	2017-01-01	174
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2017-01-01	8
2016: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2016 401k membership
Total participants, beginning-of-year	2016-01-01	145
Total number of active participants reported on line 7a of the Form 5500	2016-01-01	130
Number of retired or separated participants receiving benefits	2016-01-01	2
Number of other retired or separated participants entitled to future benefits	2016-01-01	17
Total of all active and inactive participants	2016-01-01	149
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2016-01-01	0
Total participants	2016-01-01	149
Number of participants with account balances	2016-01-01	147
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2016-01-01	10
2015: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2015 401k membership
Total participants, beginning-of-year	2015-01-01	137
Total number of active participants reported on line 7a of the Form 5500	2015-01-01	127
Number of retired or separated participants receiving benefits	2015-01-01	1
Number of other retired or separated participants entitled to future benefits	2015-01-01	16
Total of all active and inactive participants	2015-01-01	144
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2015-01-01	0
Total participants	2015-01-01	144
Number of participants with account balances	2015-01-01	144
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2015-01-01	13

Financial Data on NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

Measure	Date	Value
2021 : NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2021 401k financial data
Total unrealized appreciation/depreciation of assets	2021-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2021-12-31	$0
Total income from all sources (including contributions)	2021-12-31	$3,864,616
Total loss/gain on sale of assets	2021-12-31	$0
Total of all expenses incurred	2021-12-31	$1,033,716
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2021-12-31	$933,636
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2021-12-31	$1,637,250
Value of total assets at end of year	2021-12-31	$17,489,941
Value of total assets at beginning of year	2021-12-31	$14,659,041
Total of administrative expenses incurred including professional, contract, advisory and management fees	2021-12-31	$100,080
Total interest from all sources	2021-12-31	$24,450
Total dividends received (eg from common stock, registered investment company shares)	2021-12-31	$333,648
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2021-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2021-12-31	$333,648
Was this plan covered by a fidelity bond	2021-12-31	Yes
Value of fidelity bond cover	2021-12-31	$7,000,000
If this is an individual account plan, was there a blackout period	2021-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2021-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2021-12-31	No
Contributions received from participants	2021-12-31	$697,901
Participant contributions at end of year	2021-12-31	$371,168
Participant contributions at beginning of year	2021-12-31	$418,415
Income. Received or receivable in cash from other sources (including rollovers)	2021-12-31	$26,963
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2021-12-31	No
Value of net income/loss	2021-12-31	$2,830,900
Value of net assets at end of year (total assets less liabilities)	2021-12-31	$17,489,941
Value of net assets at beginning of year (total assets less liabilities)	2021-12-31	$14,659,041
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2021-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2021-12-31	No
Were any leases to which the plan was party in default or uncollectible	2021-12-31	No
Investment advisory and management fees	2021-12-31	$16,562
Value of interest in registered invesment companies (eg mutual funds) at end of year	2021-12-31	$16,022,227
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2021-12-31	$13,778,184
Interest on participant loans	2021-12-31	$15,940
Interest earned on other investments	2021-12-31	$8,510
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2021-12-31	$1,096,546
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2021-12-31	$462,442
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2021-12-31	$1,869,268
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2021-12-31	No
Was there a failure to transmit to the plan any participant contributions	2021-12-31	No
Has the plan failed to provide any benefit when due under the plan	2021-12-31	No
Contributions received in cash from employer	2021-12-31	$912,386
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2021-12-31	$933,636
Contract administrator fees	2021-12-31	$83,518
Did the plan have assets held for investment	2021-12-31	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	2021-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2021-12-31	No
Opinion of an independent qualified public accountant for this plan	2021-12-31	Unqualified
Accountancy firm name	2021-12-31	A.M. PEISCH & COMPANY
Accountancy firm EIN	2021-12-31	030210880
2020 : NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2020 401k financial data
Total unrealized appreciation/depreciation of assets	2020-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2020-12-31	$0
Total income from all sources (including contributions)	2020-12-31	$3,473,871
Total loss/gain on sale of assets	2020-12-31	$0
Total of all expenses incurred	2020-12-31	$1,259,267
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2020-12-31	$1,182,015
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2020-12-31	$1,543,602
Value of total assets at end of year	2020-12-31	$14,659,041
Value of total assets at beginning of year	2020-12-31	$12,444,437
Total of administrative expenses incurred including professional, contract, advisory and management fees	2020-12-31	$77,252
Total interest from all sources	2020-12-31	$28,752
Total dividends received (eg from common stock, registered investment company shares)	2020-12-31	$332,640
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2020-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2020-12-31	$332,640
Was this plan covered by a fidelity bond	2020-12-31	Yes
Value of fidelity bond cover	2020-12-31	$7,000,000
If this is an individual account plan, was there a blackout period	2020-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2020-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2020-12-31	No
Contributions received from participants	2020-12-31	$629,677
Participant contributions at end of year	2020-12-31	$418,415
Participant contributions at beginning of year	2020-12-31	$518,109
Income. Received or receivable in cash from other sources (including rollovers)	2020-12-31	$65,625
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2020-12-31	No
Value of net income/loss	2020-12-31	$2,214,604
Value of net assets at end of year (total assets less liabilities)	2020-12-31	$14,659,041
Value of net assets at beginning of year (total assets less liabilities)	2020-12-31	$12,444,437
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2020-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2020-12-31	No
Were any leases to which the plan was party in default or uncollectible	2020-12-31	No
Investment advisory and management fees	2020-12-31	$11,887
Value of interest in registered invesment companies (eg mutual funds) at end of year	2020-12-31	$13,778,184
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2020-12-31	$11,557,761
Interest on participant loans	2020-12-31	$22,048
Interest earned on other investments	2020-12-31	$6,704
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2020-12-31	$462,442
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2020-12-31	$368,567
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2020-12-31	$1,568,877
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2020-12-31	No
Was there a failure to transmit to the plan any participant contributions	2020-12-31	No
Has the plan failed to provide any benefit when due under the plan	2020-12-31	No
Contributions received in cash from employer	2020-12-31	$848,300
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2020-12-31	$1,182,015
Contract administrator fees	2020-12-31	$65,365
Did the plan have assets held for investment	2020-12-31	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	2020-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2020-12-31	No
Opinion of an independent qualified public accountant for this plan	2020-12-31	Disclaimer
Accountancy firm name	2020-12-31	A.M. PEISCH & COMPANY
Accountancy firm EIN	2020-12-31	030210880
2019 : NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2019 401k financial data
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total unrealized appreciation/depreciation of assets	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2019-12-31	$0
Total income from all sources (including contributions)	2019-12-31	$3,519,095
Total income from all sources (including contributions)	2019-12-31	$3,519,095
Total loss/gain on sale of assets	2019-12-31	$0
Total loss/gain on sale of assets	2019-12-31	$0
Total of all expenses incurred	2019-12-31	$1,283,523
Total of all expenses incurred	2019-12-31	$1,283,523
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$1,203,269
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2019-12-31	$1,203,269
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$1,311,582
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2019-12-31	$1,311,582
Value of total assets at end of year	2019-12-31	$12,444,437
Value of total assets at end of year	2019-12-31	$12,444,437
Value of total assets at beginning of year	2019-12-31	$10,208,865
Value of total assets at beginning of year	2019-12-31	$10,208,865
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$80,254
Total of administrative expenses incurred including professional, contract, advisory and management fees	2019-12-31	$80,254
Total interest from all sources	2019-12-31	$28,931
Total interest from all sources	2019-12-31	$28,931
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$296,866
Total dividends received (eg from common stock, registered investment company shares)	2019-12-31	$296,866
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2019-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$296,866
Total dividends received from registered investment company shares (eg mutual funds)	2019-12-31	$296,866
Was this plan covered by a fidelity bond	2019-12-31	Yes
Was this plan covered by a fidelity bond	2019-12-31	Yes
Value of fidelity bond cover	2019-12-31	$7,000,000
Value of fidelity bond cover	2019-12-31	$7,000,000
If this is an individual account plan, was there a blackout period	2019-12-31	No
If this is an individual account plan, was there a blackout period	2019-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2019-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Were there any nonexempt tranactions with any party-in-interest	2019-12-31	No
Contributions received from participants	2019-12-31	$549,030
Contributions received from participants	2019-12-31	$549,030
Participant contributions at end of year	2019-12-31	$518,109
Participant contributions at end of year	2019-12-31	$518,109
Participant contributions at beginning of year	2019-12-31	$519,760
Participant contributions at beginning of year	2019-12-31	$519,760
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$21,196
Income. Received or receivable in cash from other sources (including rollovers)	2019-12-31	$21,196
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2019-12-31	No
Value of net income/loss	2019-12-31	$2,235,572
Value of net income/loss	2019-12-31	$2,235,572
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$12,444,437
Value of net assets at end of year (total assets less liabilities)	2019-12-31	$12,444,437
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$10,208,865
Value of net assets at beginning of year (total assets less liabilities)	2019-12-31	$10,208,865
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Were any leases to which the plan was party in default or uncollectible	2019-12-31	No
Investment advisory and management fees	2019-12-31	$11,548
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$11,557,761
Value of interest in registered invesment companies (eg mutual funds) at end of year	2019-12-31	$11,557,761
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$9,307,351
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2019-12-31	$9,307,351
Interest on participant loans	2019-12-31	$22,494
Interest on participant loans	2019-12-31	$22,494
Interest earned on other investments	2019-12-31	$6,437
Interest earned on other investments	2019-12-31	$6,437
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$368,567
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2019-12-31	$368,567
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$381,754
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2019-12-31	$381,754
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$1,881,716
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2019-12-31	$1,881,716
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Was there a failure to transmit to the plan any participant contributions	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Has the plan failed to provide any benefit when due under the plan	2019-12-31	No
Contributions received in cash from employer	2019-12-31	$741,356
Contributions received in cash from employer	2019-12-31	$741,356
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$1,203,269
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2019-12-31	$1,203,269
Contract administrator fees	2019-12-31	$68,706
Contract administrator fees	2019-12-31	$68,706
Did the plan have assets held for investment	2019-12-31	Yes
Did the plan have assets held for investment	2019-12-31	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	2019-12-31	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	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2019-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2019-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Opinion of an independent qualified public accountant for this plan	2019-12-31	Disclaimer
Accountancy firm name	2019-12-31	A.M. PEISCH & COMPANY
Accountancy firm name	2019-12-31	A.M. PEISCH & COMPANY
Accountancy firm EIN	2019-12-31	030210880
Accountancy firm EIN	2019-12-31	030210880
2018 : NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2018 401k financial data
Total unrealized appreciation/depreciation of assets	2018-12-31	$0
Total transfer of assets to this plan	2018-12-31	$394,086
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2018-12-31	$0
Total income from all sources (including contributions)	2018-12-31	$1,228,696
Total loss/gain on sale of assets	2018-12-31	$0
Total of all expenses incurred	2018-12-31	$560,544
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2018-12-31	$490,677
Value of total corrective distributions	2018-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2018-12-31	$1,790,064
Value of total assets at end of year	2018-12-31	$10,208,865
Value of total assets at beginning of year	2018-12-31	$9,146,627
Total of administrative expenses incurred including professional, contract, advisory and management fees	2018-12-31	$69,867
Total interest from all sources	2018-12-31	$22,512
Total dividends received (eg from common stock, registered investment company shares)	2018-12-31	$280,451
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2018-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2018-12-31	$280,451
Was this plan covered by a fidelity bond	2018-12-31	Yes
Value of fidelity bond cover	2018-12-31	$7,000,000
If this is an individual account plan, was there a blackout period	2018-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2018-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2018-12-31	No
Contributions received from participants	2018-12-31	$482,677
Participant contributions at end of year	2018-12-31	$519,760
Participant contributions at beginning of year	2018-12-31	$418,510
Income. Received or receivable in cash from other sources (including rollovers)	2018-12-31	$652,670
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2018-12-31	No
Value of net income/loss	2018-12-31	$668,152
Value of net assets at end of year (total assets less liabilities)	2018-12-31	$10,208,865
Value of net assets at beginning of year (total assets less liabilities)	2018-12-31	$9,146,627
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2018-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2018-12-31	No
Were any leases to which the plan was party in default or uncollectible	2018-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2018-12-31	$9,307,351
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2018-12-31	$8,540,003
Interest on participant loans	2018-12-31	$19,069
Interest earned on other investments	2018-12-31	$3,443
Value of interest in common/collective trusts at end of year	2018-12-31	$0
Value of interest in common/collective trusts at beginning of year	2018-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2018-12-31	$381,754
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2018-12-31	$188,114
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2018-12-31	$-864,331
Net investment gain or loss from common/collective trusts	2018-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2018-12-31	No
Was there a failure to transmit to the plan any participant contributions	2018-12-31	No
Has the plan failed to provide any benefit when due under the plan	2018-12-31	No
Contributions received in cash from employer	2018-12-31	$654,717
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2018-12-31	$490,677
Contract administrator fees	2018-12-31	$69,867
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	2018-12-31	No
Did the plan have assets held for investment	2018-12-31	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	2018-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2018-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2018-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2018-12-31	Disclaimer
Accountancy firm name	2018-12-31	A.M. PEISCH & COMPANY
Accountancy firm EIN	2018-12-31	030210880
2017 : NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2017 401k financial data
Total unrealized appreciation/depreciation of assets	2017-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2017-12-31	$0
Total income from all sources (including contributions)	2017-12-31	$2,365,932
Total loss/gain on sale of assets	2017-12-31	$0
Total of all expenses incurred	2017-12-31	$361,869
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2017-12-31	$307,436
Value of total corrective distributions	2017-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2017-12-31	$1,137,662
Value of total assets at end of year	2017-12-31	$9,146,627
Value of total assets at beginning of year	2017-12-31	$7,142,564
Total of administrative expenses incurred including professional, contract, advisory and management fees	2017-12-31	$54,433
Total interest from all sources	2017-12-31	$17,503
Total dividends received (eg from common stock, registered investment company shares)	2017-12-31	$169,415
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2017-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2017-12-31	$169,415
Was this plan covered by a fidelity bond	2017-12-31	Yes
Value of fidelity bond cover	2017-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2017-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2017-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2017-12-31	No
Contributions received from participants	2017-12-31	$418,509
Participant contributions at end of year	2017-12-31	$418,510
Participant contributions at beginning of year	2017-12-31	$411,673
Income. Received or receivable in cash from other sources (including rollovers)	2017-12-31	$137,754
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2017-12-31	No
Value of net income/loss	2017-12-31	$2,004,063
Value of net assets at end of year (total assets less liabilities)	2017-12-31	$9,146,627
Value of net assets at beginning of year (total assets less liabilities)	2017-12-31	$7,142,564
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2017-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2017-12-31	No
Were any leases to which the plan was party in default or uncollectible	2017-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2017-12-31	$8,540,003
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2017-12-31	$6,557,010
Interest on participant loans	2017-12-31	$15,233
Interest earned on other investments	2017-12-31	$2,270
Value of interest in common/collective trusts at end of year	2017-12-31	$0
Value of interest in common/collective trusts at beginning of year	2017-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2017-12-31	$188,114
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2017-12-31	$173,881
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2017-12-31	$1,041,352
Net investment gain or loss from common/collective trusts	2017-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2017-12-31	No
Was there a failure to transmit to the plan any participant contributions	2017-12-31	No
Has the plan failed to provide any benefit when due under the plan	2017-12-31	No
Contributions received in cash from employer	2017-12-31	$581,399
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2017-12-31	$307,436
Contract administrator fees	2017-12-31	$54,433
Did the plan have assets held for investment	2017-12-31	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	2017-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2017-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2017-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2017-12-31	Disclaimer
Accountancy firm name	2017-12-31	A.M. PEISCH & COMPANY
Accountancy firm EIN	2017-12-31	030210880
2016 : NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2016 401k financial data
Total unrealized appreciation/depreciation of assets	2016-12-31	$0
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2016-12-31	$0
Total income from all sources (including contributions)	2016-12-31	$1,297,761
Total loss/gain on sale of assets	2016-12-31	$0
Total of all expenses incurred	2016-12-31	$329,981
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2016-12-31	$284,845
Value of total corrective distributions	2016-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2016-12-31	$856,291
Value of total assets at end of year	2016-12-31	$7,142,564
Value of total assets at beginning of year	2016-12-31	$6,174,784
Total of administrative expenses incurred including professional, contract, advisory and management fees	2016-12-31	$45,136
Total interest from all sources	2016-12-31	$13,097
Total dividends received (eg from common stock, registered investment company shares)	2016-12-31	$110,245
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2016-12-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2016-12-31	$110,245
Was this plan covered by a fidelity bond	2016-12-31	Yes
Value of fidelity bond cover	2016-12-31	$5,000,000
If this is an individual account plan, was there a blackout period	2016-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2016-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2016-12-31	No
Contributions received from participants	2016-12-31	$346,618
Participant contributions at end of year	2016-12-31	$411,673
Participant contributions at beginning of year	2016-12-31	$325,429
Income. Received or receivable in cash from other sources (including rollovers)	2016-12-31	$0
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2016-12-31	No
Value of net income/loss	2016-12-31	$967,780
Value of net assets at end of year (total assets less liabilities)	2016-12-31	$7,142,564
Value of net assets at beginning of year (total assets less liabilities)	2016-12-31	$6,174,784
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2016-12-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2016-12-31	No
Were any leases to which the plan was party in default or uncollectible	2016-12-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2016-12-31	$6,557,010
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2016-12-31	$5,720,550
Interest on participant loans	2016-12-31	$13,097
Value of interest in common/collective trusts at end of year	2016-12-31	$0
Value of interest in common/collective trusts at beginning of year	2016-12-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2016-12-31	$173,881
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2016-12-31	$128,805
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2016-12-31	$318,128
Net investment gain or loss from common/collective trusts	2016-12-31	$0
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2016-12-31	No
Was there a failure to transmit to the plan any participant contributions	2016-12-31	No
Has the plan failed to provide any benefit when due under the plan	2016-12-31	No
Contributions received in cash from employer	2016-12-31	$509,673
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2016-12-31	$284,845
Contract administrator fees	2016-12-31	$45,136
Did the plan have assets held for investment	2016-12-31	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	2016-12-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2016-12-31	No
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2016-12-31	Yes
Opinion of an independent qualified public accountant for this plan	2016-12-31	Disclaimer
Accountancy firm name	2016-12-31	A.M. PEISCH & COMPANY
Accountancy firm EIN	2016-12-31	030210880
2015 : NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2015 401k financial data
Total unrealized appreciation/depreciation of assets	2015-12-31	$0
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	$797,513
Total loss/gain on sale of assets	2015-12-31	$0
Total of all expenses incurred	2015-12-31	$194,223
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2015-12-31	$154,053
Value of total corrective distributions	2015-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2015-12-31	$758,685
Value of total assets at end of year	2015-12-31	$6,174,784
Value of total assets at beginning of year	2015-12-31	$5,571,494
Total of administrative expenses incurred including professional, contract, advisory and management fees	2015-12-31	$40,170
Total interest from all sources	2015-12-31	$12,873
Total dividends received (eg from common stock, registered investment company shares)	2015-12-31	$220,801
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	$220,801
Was this plan covered by a fidelity bond	2015-12-31	Yes
Value of fidelity bond cover	2015-12-31	$5,000,000
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	$319,214
Participant contributions at end of year	2015-12-31	$325,429
Participant contributions at beginning of year	2015-12-31	$365,738
Income. Received or receivable in cash from other sources (including rollovers)	2015-12-31	$4,028
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	$603,290
Value of net assets at end of year (total assets less liabilities)	2015-12-31	$6,174,784
Value of net assets at beginning of year (total assets less liabilities)	2015-12-31	$5,571,494
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	$5,720,550
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2015-12-31	$5,087,585
Interest on participant loans	2015-12-31	$10,867
Interest earned on other investments	2015-12-31	$2,006
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2015-12-31	$128,805
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2015-12-31	$118,171
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2015-12-31	$-194,846
Net investment gain or loss from common/collective trusts	2015-12-31	$0
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	Yes
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	$435,443
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2015-12-31	$154,053
Contract administrator fees	2015-12-31	$40,170
Did the plan have assets held for investment	2015-12-31	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	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	No
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	A.M. PEISCH & COMPANY'S
Accountancy firm EIN	2015-12-31	030210880

Form 5500 Responses for NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST

2021: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2021 form 5500 responses
2021-01-01	Type of plan entity	Single employer plan
2021-01-01	Submission has been amended	No
2021-01-01	This submission is the final filing	No
2021-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2021-01-01	Plan is a collectively bargained plan	No
2021-01-01	Plan funding arrangement – Insurance	Yes
2021-01-01	Plan funding arrangement – Trust	Yes
2021-01-01	Plan benefit arrangement – Insurance	Yes
2021-01-01	Plan benefit arrangement - Trust	Yes
2020: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2020 form 5500 responses
2020-01-01	Type of plan entity	Single employer plan
2020-01-01	Submission has been amended	No
2020-01-01	This submission is the final filing	No
2020-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2020-01-01	Plan is a collectively bargained plan	No
2020-01-01	Plan funding arrangement – Insurance	Yes
2020-01-01	Plan funding arrangement – Trust	Yes
2020-01-01	Plan benefit arrangement – Insurance	Yes
2020-01-01	Plan benefit arrangement - Trust	Yes
2019: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2019 form 5500 responses
2019-01-01	Type of plan entity	Single employer plan
2019-01-01	Submission has been amended	No
2019-01-01	This submission is the final filing	No
2019-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2019-01-01	Plan is a collectively bargained plan	No
2019-01-01	Plan funding arrangement – Insurance	Yes
2019-01-01	Plan funding arrangement – Trust	Yes
2019-01-01	Plan benefit arrangement – Insurance	Yes
2019-01-01	Plan benefit arrangement - Trust	Yes
2018: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2018 form 5500 responses
2018-01-01	Type of plan entity	Single employer plan
2018-01-01	Submission has been amended	No
2018-01-01	This submission is the final filing	No
2018-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2018-01-01	Plan is a collectively bargained plan	No
2018-01-01	Plan funding arrangement – Insurance	Yes
2018-01-01	Plan funding arrangement – Trust	Yes
2018-01-01	Plan benefit arrangement – Insurance	Yes
2018-01-01	Plan benefit arrangement - Trust	Yes
2017: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2017 form 5500 responses
2017-01-01	Type of plan entity	Single employer plan
2017-01-01	Submission has been amended	No
2017-01-01	This submission is the final filing	No
2017-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2017-01-01	Plan is a collectively bargained plan	No
2017-01-01	Plan funding arrangement – Insurance	Yes
2017-01-01	Plan funding arrangement – Trust	Yes
2017-01-01	Plan benefit arrangement – Insurance	Yes
2017-01-01	Plan benefit arrangement - Trust	Yes
2016: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2016 form 5500 responses
2016-01-01	Type of plan entity	Single employer plan
2016-01-01	Submission has been amended	No
2016-01-01	This submission is the final filing	No
2016-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2016-01-01	Plan is a collectively bargained plan	No
2016-01-01	Plan funding arrangement – Insurance	Yes
2016-01-01	Plan funding arrangement – Trust	Yes
2016-01-01	Plan benefit arrangement – Insurance	Yes
2016-01-01	Plan benefit arrangement - Trust	Yes
2015: NORTHCOUNTRY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 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	No
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

Insurance Providers Used on plan

CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )
Policy contract number	044-0029-5
Policy instance	1
CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )
Policy contract number	044-0029-5
Policy instance	1
CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )
Policy contract number	044-0029-5
Policy instance	1
CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )
Policy contract number	044-0029-5
Policy instance	1
CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )
Policy contract number	044-0029-5
Policy instance	1
CUNA MUTUAL GROUP (National Association of Insurance Commissioners NAIC id number: 62626 )
Policy contract number	044-0029-5
Policy instance	1

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Company Name:	NORTHCOUNTRY FEDERAL CREDIT UNION
Employer identification number (EIN):	030184742
NAIC Classification:	522130
NAIC Description:	Credit Unions

Jurisdiction of Incorporation:	Vermont Secretary of State Corporations Division
Incorporation Date:	2008-01-29
Company Identification Number:	84691
Legal Registered Office Address:	69 SWIFT ST., STE. 100 SO. BURLINGTON United States of America (USA) 05403