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

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

Plan Name	BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST
Plan identification number	001

BAY 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

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

Company Name: BAY FEDERAL CREDIT UNION

Employer identification number (EIN): 941448021

NAIC Classification: 522300
NAIC Description: Activities Related to Credit Intermediation

Form 5500 Filing Information

Submission information for form 5500 for 401k plan BAY 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
001 2014-01-01 PATRICIA WINTERS
001 2013-01-01 PATRICIA WINTERS
001 2012-01-01 PATRICIA WINTERS
001 2011-01-01 MICHELLE HADDIX
001 2010-01-01 MICHELLE HADDIX
001 2009-01-01 MICHELLE HADDIX

Plan id#	Filing Submission Date	Name of Administrator
001	2014-01-01	PATRICIA WINTERS
001	2013-01-01	PATRICIA WINTERS
001	2012-01-01	PATRICIA WINTERS
001	2011-01-01	MICHELLE HADDIX
001	2010-01-01	MICHELLE HADDIX
001	2009-01-01	MICHELLE HADDIX

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

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

Measure Date Value
2014: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year 2014-01-01 240
Total number of active participants reported on line 7a of the Form 5500 2014-01-01 0
Number of retired or separated participants receiving benefits 2014-01-01 0
Number of other retired or separated participants entitled to future benefits 2014-01-01 0
Total of all active and inactive participants 2014-01-01 0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2014-01-01 0
Total participants 2014-01-01 0
Number of participants with account balances 2014-01-01 0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2014-01-01 0
2013: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year 2013-01-01 278
Total number of active participants reported on line 7a of the Form 5500 2013-01-01 174
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 66
Total of all active and inactive participants 2013-01-01 240
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2013-01-01 0
Total participants 2013-01-01 240
Number of participants with account balances 2013-01-01 231
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2013-01-01 23
2012: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year 2012-01-01 265
Total number of active participants reported on line 7a of the Form 5500 2012-01-01 166
Number of retired or separated participants receiving benefits 2012-01-01 0
Number of other retired or separated participants entitled to future benefits 2012-01-01 111
Total of all active and inactive participants 2012-01-01 277
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2012-01-01 0
Total participants 2012-01-01 277
Number of participants with account balances 2012-01-01 272
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2012-01-01 16
2011: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2011 401k membership
Total participants, beginning-of-year 2011-01-01 275
Total number of active participants reported on line 7a of the Form 5500 2011-01-01 154
Number of retired or separated participants receiving benefits 2011-01-01 0
Number of other retired or separated participants entitled to future benefits 2011-01-01 108
Total of all active and inactive participants 2011-01-01 262
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2011-01-01 0
Total participants 2011-01-01 262
Number of participants with account balances 2011-01-01 255
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2011-01-01 9
2010: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2010 401k membership
Total participants, beginning-of-year 2010-01-01 278
Total number of active participants reported on line 7a of the Form 5500 2010-01-01 153
Number of retired or separated participants receiving benefits 2010-01-01 0
Number of other retired or separated participants entitled to future benefits 2010-01-01 119
Total of all active and inactive participants 2010-01-01 272
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2010-01-01 0
Total participants 2010-01-01 272
Number of participants with account balances 2010-01-01 267
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2010-01-01 11
2009: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2009 401k membership
Total participants, beginning-of-year 2009-01-01 294
Total number of active participants reported on line 7a of the Form 5500 2009-01-01 169
Number of retired or separated participants receiving benefits 2009-01-01 0
Number of other retired or separated participants entitled to future benefits 2009-01-01 108
Total of all active and inactive participants 2009-01-01 277
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits 2009-01-01 0
Total participants 2009-01-01 277
Number of participants with account balances 2009-01-01 275
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested 2009-01-01 44

Measure	Date	Value
2014: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2014 401k membership
Total participants, beginning-of-year	2014-01-01	240
Total number of active participants reported on line 7a of the Form 5500	2014-01-01	0
Number of retired or separated participants receiving benefits	2014-01-01	0
Number of other retired or separated participants entitled to future benefits	2014-01-01	0
Total of all active and inactive participants	2014-01-01	0
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2014-01-01	0
Total participants	2014-01-01	0
Number of participants with account balances	2014-01-01	0
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2014-01-01	0
2013: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2013 401k membership
Total participants, beginning-of-year	2013-01-01	278
Total number of active participants reported on line 7a of the Form 5500	2013-01-01	174
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	66
Total of all active and inactive participants	2013-01-01	240
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2013-01-01	0
Total participants	2013-01-01	240
Number of participants with account balances	2013-01-01	231
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2013-01-01	23
2012: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2012 401k membership
Total participants, beginning-of-year	2012-01-01	265
Total number of active participants reported on line 7a of the Form 5500	2012-01-01	166
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	111
Total of all active and inactive participants	2012-01-01	277
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2012-01-01	0
Total participants	2012-01-01	277
Number of participants with account balances	2012-01-01	272
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2012-01-01	16
2011: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2011 401k membership
Total participants, beginning-of-year	2011-01-01	275
Total number of active participants reported on line 7a of the Form 5500	2011-01-01	154
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	108
Total of all active and inactive participants	2011-01-01	262
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2011-01-01	0
Total participants	2011-01-01	262
Number of participants with account balances	2011-01-01	255
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2011-01-01	9
2010: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2010 401k membership
Total participants, beginning-of-year	2010-01-01	278
Total number of active participants reported on line 7a of the Form 5500	2010-01-01	153
Number of retired or separated participants receiving benefits	2010-01-01	0
Number of other retired or separated participants entitled to future benefits	2010-01-01	119
Total of all active and inactive participants	2010-01-01	272
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2010-01-01	0
Total participants	2010-01-01	272
Number of participants with account balances	2010-01-01	267
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2010-01-01	11
2009: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2009 401k membership
Total participants, beginning-of-year	2009-01-01	294
Total number of active participants reported on line 7a of the Form 5500	2009-01-01	169
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	108
Total of all active and inactive participants	2009-01-01	277
Number of deceased participants whose beneficiaries are receiving or are entitled to receive benefits	2009-01-01	0
Total participants	2009-01-01	277
Number of participants with account balances	2009-01-01	275
Participants that terminated employment during the plan year with accrued benefits that were less than 100% vested	2009-01-01	44

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

Measure	Date	Value
2014 : BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2014 401k financial data
Total unrealized appreciation/depreciation of assets	2014-08-31	$0
Total transfer of assets from this plan	2014-08-31	$11,183,432
Total liabilities at end of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-08-31	$0
Total liabilities at beginning of year (benefit claims payable, operating payabales, acquisition indebtedness and other liabilities)	2014-08-31	$0
Total income from all sources (including contributions)	2014-08-31	$1,224,012
Total loss/gain on sale of assets	2014-08-31	$0
Total of all expenses incurred	2014-08-31	$1,003,164
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2014-08-31	$952,371
Value of total corrective distributions	2014-08-31	$17,195
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2014-08-31	$537,578
Value of total assets at end of year	2014-08-31	$0
Value of total assets at beginning of year	2014-08-31	$10,962,584
Total of administrative expenses incurred including professional, contract, advisory and management fees	2014-08-31	$33,598
Total interest from all sources	2014-08-31	$12,903
Total dividends received (eg from common stock, registered investment company shares)	2014-08-31	$83,227
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2014-08-31	No
Total dividends received from registered investment company shares (eg mutual funds)	2014-08-31	$83,227
Was this plan covered by a fidelity bond	2014-08-31	Yes
Value of fidelity bond cover	2014-08-31	$7,000,000
If this is an individual account plan, was there a blackout period	2014-08-31	Yes
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2014-08-31	$0
Were there any nonexempt tranactions with any party-in-interest	2014-08-31	No
Contributions received from participants	2014-08-31	$410,450
Participant contributions at end of year	2014-08-31	$0
Participant contributions at beginning of year	2014-08-31	$316,391
Income. Received or receivable in cash from other sources (including rollovers)	2014-08-31	$6,929
Did the receive any noncash contributions whose value was neither redily determinable on an established market nor set by an independent third party appraiser	2014-08-31	No
Value of net income/loss	2014-08-31	$220,848
Value of net assets at end of year (total assets less liabilities)	2014-08-31	$0
Value of net assets at beginning of year (total assets less liabilities)	2014-08-31	$10,962,584
Did the plan have a loss casued by fraud or dishonesty (regardless whether reimbursed by fidelity bond)	2014-08-31	No
Were any loans by the plan or fixed income obligations due to the plan in default	2014-08-31	No
Were any leases to which the plan was party in default or uncollectible	2014-08-31	No
Value of interest in registered invesment companies (eg mutual funds) at end of year	2014-08-31	$0
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2014-08-31	$9,671,811
Interest on participant loans	2014-08-31	$2,791
Interest earned on other investments	2014-08-31	$10,112
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2014-08-31	$0
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2014-08-31	$974,382
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2014-08-31	$590,304
Were any plan transactions or series of transactions in excess of 5% of the current value of the plan assets	2014-08-31	No
Was there a failure to transmit to the plan any participant contributions	2014-08-31	No
Has the plan failed to provide any benefit when due under the plan	2014-08-31	No
Contributions received in cash from employer	2014-08-31	$120,199
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2014-08-31	$952,371
Contract administrator fees	2014-08-31	$33,598
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	2014-08-31	Yes
Did the plan have assets held for investment	2014-08-31	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	2014-08-31	No
Were all the plan assets eitehr distributed to particpants/beneficiaries, transferred to another plan or brought under the control of the PBGC	2014-08-31	Yes
Accountant perfomed limited scope audit pursuant to 29 CFR 2520.103-8 and/or 103-12(d)	2014-08-31	Yes
Opinion of an independent qualified public accountant for this plan	2014-08-31	Disclaimer
Accountancy firm name	2014-08-31	HUTCHINSON & BLOODGOOD LLP
Accountancy firm EIN	2014-08-31	950858589
2013 : BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 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	$2,539,540
Total loss/gain on sale of assets	2013-12-31	$0
Total of all expenses incurred	2013-12-31	$871,424
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2013-12-31	$866,582
Value of total corrective distributions	2013-12-31	$0
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2013-12-31	$851,726
Value of total assets at end of year	2013-12-31	$10,962,584
Value of total assets at beginning of year	2013-12-31	$9,294,468
Total of administrative expenses incurred including professional, contract, advisory and management fees	2013-12-31	$4,842
Total interest from all sources	2013-12-31	$23,072
Total dividends received (eg from common stock, registered investment company shares)	2013-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2013-12-31	No
Was this plan covered by a fidelity bond	2013-12-31	Yes
Value of fidelity bond cover	2013-12-31	$7,000,000
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	$611,419
Participant contributions at end of year	2013-12-31	$316,391
Participant contributions at beginning of year	2013-12-31	$338,734
Income. Received or receivable in cash from other sources (including rollovers)	2013-12-31	$113,690
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	$1,668,116
Value of net assets at end of year (total assets less liabilities)	2013-12-31	$10,962,584
Value of net assets at beginning of year (total assets less liabilities)	2013-12-31	$9,294,468
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	$9,671,811
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2013-12-31	$8,024,012
Interest on participant loans	2013-12-31	$4,146
Interest earned on other investments	2013-12-31	$18,926
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2013-12-31	$974,382
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2013-12-31	$931,722
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2013-12-31	$1,664,742
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	$126,617
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2013-12-31	$866,582
Contract administrator fees	2013-12-31	$4,842
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	HUTCHINSON & BLOODGOOD LLP
Accountancy firm EIN	2013-12-31	950858589
2012 : BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 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	$1,583,262
Total loss/gain on sale of assets	2012-12-31	$0
Total of all expenses incurred	2012-12-31	$475,847
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2012-12-31	$470,709
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2012-12-31	$649,031
Value of total assets at end of year	2012-12-31	$9,294,468
Value of total assets at beginning of year	2012-12-31	$8,187,053
Total of administrative expenses incurred including professional, contract, advisory and management fees	2012-12-31	$5,138
Total interest from all sources	2012-12-31	$27,389
Total dividends received (eg from common stock, registered investment company shares)	2012-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2012-12-31	No
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	$560,650
Participant contributions at end of year	2012-12-31	$338,734
Participant contributions at beginning of year	2012-12-31	$300,327
Income. Received or receivable in cash from other sources (including rollovers)	2012-12-31	$3,739
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	$1,107,415
Value of net assets at end of year (total assets less liabilities)	2012-12-31	$9,294,468
Value of net assets at beginning of year (total assets less liabilities)	2012-12-31	$8,187,053
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	$8,024,012
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2012-12-31	$6,863,767
Interest on participant loans	2012-12-31	$5,485
Interest earned on other investments	2012-12-31	$21,904
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2012-12-31	$931,722
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2012-12-31	$1,022,959
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2012-12-31	$906,842
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	$84,642
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2012-12-31	$470,709
Contract administrator fees	2012-12-31	$5,138
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	HUTCHINSON & BLOODGOOD LLP
Accountancy firm EIN	2012-12-31	950858589
2011 : BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 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	$540,142
Total loss/gain on sale of assets	2011-12-31	$0
Total of all expenses incurred	2011-12-31	$722,995
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2011-12-31	$718,345
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2011-12-31	$549,577
Value of total assets at end of year	2011-12-31	$8,187,053
Value of total assets at beginning of year	2011-12-31	$8,369,906
Total of administrative expenses incurred including professional, contract, advisory and management fees	2011-12-31	$4,650
Total interest from all sources	2011-12-31	$38,147
Total dividends received (eg from common stock, registered investment company shares)	2011-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2011-12-31	No
Was this plan covered by a fidelity bond	2011-12-31	Yes
Value of fidelity bond cover	2011-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2011-12-31	No
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	$476,184
Participant contributions at end of year	2011-12-31	$300,327
Participant contributions at beginning of year	2011-12-31	$411,929
Participant contributions at end of year	2011-12-31	$0
Participant contributions at beginning of year	2011-12-31	$11,158
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
Value of net income/loss	2011-12-31	$-182,853
Value of net assets at end of year (total assets less liabilities)	2011-12-31	$8,187,053
Value of net assets at beginning of year (total assets less liabilities)	2011-12-31	$8,369,906
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	$6,863,767
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2011-12-31	$6,914,809
Interest on participant loans	2011-12-31	$8,478
Interest earned on other investments	2011-12-31	$29,669
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2011-12-31	$1,022,959
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2011-12-31	$1,032,010
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2011-12-31	$-47,582
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	$73,393
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2011-12-31	$718,345
Contract administrator fees	2011-12-31	$4,650
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	HUTCHINSON & BLOODGOOD LLP
Accountancy firm EIN	2011-12-31	940858589
2010 : BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2010 401k financial data
Total unrealized appreciation/depreciation of assets	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	$1,260,403
Total loss/gain on sale of assets	2010-12-31	$0
Total of all expenses incurred	2010-12-31	$355,036
Benefit payments and payments to participlants,beneficiaries,insurance carriers and others	2010-12-31	$349,511
Total contributions o plan (from employers,participants, others, non cash contrinutions)	2010-12-31	$441,403
Value of total assets at end of year	2010-12-31	$8,369,906
Value of total assets at beginning of year	2010-12-31	$7,464,539
Total of administrative expenses incurred including professional, contract, advisory and management fees	2010-12-31	$5,525
Total interest from all sources	2010-12-31	$44,013
Total dividends received (eg from common stock, registered investment company shares)	2010-12-31	$0
Has a resolution to terminate the plan been adopted during the plan year or any prior plan year	2010-12-31	No
Was this plan covered by a fidelity bond	2010-12-31	Yes
Value of fidelity bond cover	2010-12-31	$6,000,000
If this is an individual account plan, was there a blackout period	2010-12-31	No
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2010-12-31	$0
Were there any nonexempt tranactions with any party-in-interest	2010-12-31	No
Contributions received from participants	2010-12-31	$441,403
Participant contributions at end of year	2010-12-31	$411,929
Participant contributions at beginning of year	2010-12-31	$312,433
Participant contributions at end of year	2010-12-31	$11,158
Participant contributions at beginning of year	2010-12-31	$14,016
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	$905,367
Value of net assets at end of year (total assets less liabilities)	2010-12-31	$8,369,906
Value of net assets at beginning of year (total assets less liabilities)	2010-12-31	$7,464,539
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	$6,914,809
Value of interest in registered invesment companies (eg mutual funds) at beginning of year	2010-12-31	$5,959,898
Interest on participant loans	2010-12-31	$10,491
Interest earned on other investments	2010-12-31	$33,522
Value of funds held in insurance company general accounts (unallocated contracts) at end of year	2010-12-31	$1,032,010
Value of funds held in insurance company general accounts (unallocated contracts) at beginning of year	2010-12-31	$1,163,899
Net investment gain/loss from registered investment companies (e.g. mutual funds)	2010-12-31	$774,987
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
Employer contributions (assets) at end of year	2010-12-31	$0
Employer contributions (assets) at beginning of year	2010-12-31	$14,293
Benefit payments and payments to provide benefits directly to participlants or beneficiaries including direct rollovers	2010-12-31	$349,511
Contract administrator fees	2010-12-31	$5,525
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	HUTCHINSON & BLOODGOOD LLP
Accountancy firm EIN	2010-12-31	940858589
2009 : BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2009 401k financial data
Total value of distributions paid in property other than in cash, annuity contracts, or publicly traded employer securities	2009-12-31	$0

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

2014: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 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	Yes
2014-01-01	This return/report is a short plan year return/report (less than 12 months)	Yes
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: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 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 benefit arrangement – Insurance	Yes
2012: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 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 benefit arrangement – Insurance	Yes
2011: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2011 form 5500 responses
2011-01-01	Type of plan entity	Single employer plan
2011-01-01	Submission has been amended	No
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 benefit arrangement – Insurance	Yes
2010: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 2010 form 5500 responses
2010-01-01	Type of plan entity	Single employer plan
2010-01-01	Submission has been amended	No
2010-01-01	This submission is the final filing	No
2010-01-01	This return/report is a short plan year return/report (less than 12 months)	No
2010-01-01	Plan is a collectively bargained plan	No
2010-01-01	Plan funding arrangement – Insurance	Yes
2010-01-01	Plan benefit arrangement – Insurance	Yes
2009: BAY FEDERAL CREDIT UNION 401(K) PLAN AND TRUST 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 benefit arrangement – Insurance	Yes

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Company Name:	BAY FEDERAL CREDIT UNION
Employer identification number (EIN):	941448021
NAIC Classification:	522300
NAIC Description:	Activities Related to Credit Intermediation