form 990 returnoforganization exemptfromincometax...

Form 990.Department of the TreasuryInternal Revenue Service

Return of Organization Exempt From Income TaxUnder section 501(c ), 527, or 4947(a)(1) of the Internal Revenue Code (except black lung

benefit trust or private foundation)

► The organization may have to use a copy of this return to satisfy state reporting requirements

2010Open to Public

A For the 2010 calendar year , or tax year beginning and ending

B check ,f C Name of organization D Employer identification numberapplicable

O&anoe HAWAII CENTRAL FEDERAL CREDIT UNION®cchaannge Dom Business As 99-0085683

Oreturn Number and street (or P.O. box if mail is not delivered to street address) Room/suite E Telephone number

Datd"'n- 6 81 S. KING STREET 808-531-89110

reurn Crty or town, state or country, and ZIP + 4 G Gross receipts $ 6 , 237 , 173.

0"^pl"a- HONOLULU , HI 96813 H(a) Is this a group returnlionpending

F Name and address of principal officer. FREDERICK TSUDA for affiliates? Yes ® No

SAME AS C ABOVE H(b) Are all affiliates included? ElYes 0 No

I Tax-exempt status, 0 501 ( c )( 3 ) ® 501 ( c ) 14 1 ( insert no. ) 0 4947 ( a )( 1 ) or 0 527 If "No," attach a list (see instructions)

J Website: DO- WWW. HCCU. INFO H(c) Group exem tlon number ►K Form of org anization: ® Corporation 0 Trust 0 Association 0 Other► L Year of formation: 19 3 7 1 M State of le g al domicile: HIPart I Summary

1 Briefly describe the organization's mission or most significant activities: CREDIT UNION OFFERING MEMBERS

C VARIOUS FINANCIAL PRODUCTS SUCH AS SHARE ACCOUNTS, DRAFT ACCOUNTS,

F 2 Check this box ► I

I

1 if the oroanization discontinued its onerations or dlsoosed of more than 950/ of its net assetsar

3 Number of voting members of the governing body (Part VI, line 1 a) 3 7

4 Number of independent voting members of the governing body (Part VI, line 1 b) 4 7

5 Total number of individuals employed in calendar year 2010 (Part V, line 2a) 5 37

6 Total number of volunteers (estimate if necessary) 6 14

Q 7 a Total unrelated business revenue from Part VIII, column (C), line 12 7a 1 , 205.b Net unrelated business taxable income from Form 990-T, line 34 7b 0.

Prior Year Current Year

y 8 Contributions and grants (Part VIII, line 1 h) 0 . 0 ,

r- 9 Program service revenue (Part VIII, line 2g) 0 . 0.

a) 10 Investment Income (Part VIII, column (A), lines 3, 4, and 7d) 5 , 870 , 717. 5 , 651 , 581.11 Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11 e) 484 , 506 . 485 , 424.12 Total revenue - add lines 8 through 11 (must eq ual Part VIII, column (A) , line 12 ) 6 , 355 , 223. 6 , 137 , 005.13 Grants and similar amounts paid (Part IX, column (A), lines 1.3) 0. 0.

14 Benefits paid to or for members (Part IX, column (A), line 4) 0. 0.

w 15 Salaries, other compensation, employee benefits (Part IX, column (A), lines 5-10) 1 , 483 , 293. 1 , 836 , 210.16a Professional fundraising fees (Part IX, column (A), line 11 e) 0. 0.

CLX b Total fundraising expenses (Part IX, column (D), line 25) ► 0.

W 17 Other expenses (Part IX, column (A), lines 11 a-11 d, 111f-24f) 4 , 788 , 094. -3 , 7-97 , 499.18 Total expenses Add lines 13-17 (must equal P 6 , 271 , 387. 5 , 633 , 709.19 Revenue less expenses. Subtract line 18 from I ne 12 R E I^ ® 83 , 836. 5031 296.

U Be g innin g of Current Year End of Year

20 Total assets (Part X, line 16)MAY 2011

p 129 , 424 , 698. 149 , 658 , 297.21 Total liabilities (Part X, line 26) M ci) 117 , 257 , 881. 136 , 988 , 184.22 Net assets or fund balances Subtract line 21 f m ne-20-- - 12 , 166 , 817d 12 , 670 , 113.

Part II Signature Block OGDEN, UTUnder penalties of perjury, I declare that I have examined this return , including accompanying schedules and statements , and to the best of my knowledge and belief, it is

true, correct , and complete . Declaration of preparer ( other than officer ) is based on all information of which preparer has any knowledge.

'

Sign Signature of officerSi

FREDERICK TSUDA CHAIRMAN OFType or print name and title

Print/Type preparer ' s name Preparer's signmaid K A.If r^ eparer Firm's name Iii, CW ASSOCIATES CPASUse Only Firm's address ► 700 BISHOP STREET, SUIT

HONOLULU , HI 96813ay the IRS discuss this return with the preparer shown above? (see instru

-22-111 LHA For Paperwork Reduction Act Notice , see the seoa2001 02

SEE SCHEDULE 0 FOR ORGANIZATION M

Form 990 2010 HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Pa e 2Part III Statement of Program Service Accomplishments

Check if Schedule 0 contains a response to any question in this Part III Q

1 Briefly describe the organization's mission:

THE MISSION OF HAWAII CENTRAL CREDIT UNION IS TO JOURNEY TOGETHERTOWARDS A BETTER FINANCIAL FUTURE.

2 Did the organization undertake any significant program services during the year which were not listed on

the prior Form 990 or 990•EZ'? DYes ®No

If "Yes," describe these new services on Schedule 0.

3 Did the organization cease conducting , or make significant changes in how it conducts , any program services? E] Yes ®No

If "Yes," describe these changes on Schedule 0

4 Describe the exempt purpose achievements for each of the organization 's three largest program services by expenses.

Section 501 (c)(3) and 501 (c)(4) organizations and section 4947(a)(1) trusts are required to report the amount of grants and

allocations to others , the total expenses , and revenue, if any, for each program service reported.

4a (Code: ) (Expenses $ including grants of $ ) (Revenue $

CREDIT UNION OFFERS MEMBERS VARIOUS FINANCIAL PRODUCTS SUCH AS SHAREACCOUNTS, DRAFT ACCOUNTS, CERTIFICATES OF DEPOSIT, IRA, AND LOANS.NUMBER OF MEMBERS AT THE END OF 2010 WAS 12,286.

4b (Code: ) (Expenses $ including grants of $ ) (Revenue $

4c (Code. ) ( Expenses $ including grants of $ ) (Revenue $

4d Other program services (Describe in Schedule 0.)

(Expenses $ including grants of $ ) (Revenue $

4e Total program service expenses ►Form 990 (2010)

03200212-21-10

215590408 139010 HCCU 2010.03040 HAWAII CENTRAL FEDERAL CRED HCCU 1

Form 990

red Schedu

1 Is the organization described in section 501 (c)(3) or 4947(a)(1) (other than a private foundation)?

If 'Yes,' complete Schedule A

2 Is the organization required to complete Schedule B, Schedule of Contributors?

3 Did the organization engage in direct or indirect political campaign activities on behalf of or in opposition to candidates for

public office? If "Yes," complete Schedule C, Part I -

4 Section 501 (c)(3) organizations . Did the organization engage in lobbying activities, or have a section 501(h) election in effect

during the tax year? If "Yes," complete Schedule C, Part 11

5 Is the organization a section 501 (c)(4), 501 (c)(5), or 501 (c)(6) organization that receives membership dues, assessments, or

similar amounts as defined in Revenue Procedure 98-19? If "Yes," complete Schedule C, Part 111

6 Did the organization maintain any donor advised funds or any similar funds or accounts where donors have the right to

provide advice on the distribution or investment of amounts in such funds or accounts? If "Yes," complete Schedule D, Part

7 Did the organization receive or hold a conservation easement, including easements to preserve open space,

I

the environment, historic land areas, or historic structures? If "Yes," complete Schedule D, Part 11

8 Did the organization maintain collections of works of art, historical treasures, or other similar assets? If "Yes," complete

Schedule D, Part 111

9 Did the organization report an amount in Part X, line 21; serve as a custodian for amounts not listed in Part X, or provide

credit counseling, debt management, credit repair, or debt negotiation services? If "Yes, " complete Schedule D, Part IV

10 Did the organization, directly or through a related organization, hold assets in term, permanent, or quasi-endowments

If "Yes," complete Schedule D, Part V

11 If the organization's answer to any of the following questions is "Yes," then complete Schedule D, Parts VI, VII, VIII, IX, or X

as applicable.

a Did the organization report an amount for land, buildings, and equipment in Part X, line 10? If "Yes, " complete Schedule D,

Part VI

b Did the organization report an amount for investments - other securities in Part X, line 12 that is 5% or more of its total

assets reported in Part X, line 16? If "Yes, " complete Schedule D, Part Vll

c Did the organization report an amount for investments - program related in Part X, line 13 that is 5% or more of its total

assets reported in Part X, line 16? If "Yes, " complete Schedule D, Part Vlll

d Did the organization report an amount for other assets in Part X, line 15 that is 5% or more of its total assets reported in

Part X, line 16" If "Yes, " complete Schedule D, Part IX

e Did the organization report an amount for other liabilities in Part X, line 25? If "Yes, " complete Schedule D, Part X

f Did the organization's separate or consolidated financial statements for the tax year include a footnote that addresses

the organization's liability for uncertain tax positions under FIN 48 (ASC 740)" If "Yes," complete Schedule D, Part X

12a Did the organization obtain separate, independent audited financial statements for the tax year? If "Yes," complete

Schedule D, Parts XI, X11, and X111

b Was the organization included in consolidated, independent audited financial statements for the tax year's

If "Yes,"and if the organization answered "No" to line 12a, then completing Schedule D, Parts Xl, Xll, and Xlll is optional

13 Is the organization a school described in section 170(b)(1)(A)(i)? If "Yes," complete Schedule E

14a Did the organization maintain an office, employees, or agents outside of the United States?

b Did the organization have aggregate revenues or expenses of more than $10,000 from grantmaking, fundraising, business,

and program service activities outside the United States? If "Yes, " complete Schedule F, Parts I and IV

15 Did the organization report on Part IX, column (A), line 3, more than $5,000 of grants or assistance to any organization

or entity located outside the United States? If "Yes, " complete Schedule F, Parts 11 and IV

16 Did the organization report on Part IX, column (A), line 3, more than $5,000 of aggregate grants or assistance to individuals

located outside the United States? If "Yes," complete Schedule F, Parts 111 and IV

17 Did the organization report a total of more than $15,000 of expenses for professional fundraising services on Part IX,

column (A), lines 6 and 11 e' If "Yes, " complete Schedule G, Part 1

18 Did the organization report more than $15,000 total of fundraising event gross income and contributions on Part VIII, lines

1 c and 8a? If "Yes," complete Schedule G, Part 11

19 Did the organization report more than $15,000 of gross income from gaming activities on Part VIII, line 9a? If "Yes,"

complete Schedule G, Part Ill

20a Did the organization operate one or more hospitals? If "Yes," complete Schedule H

b If "Yes" to line 20a, did the organization attach its audited financial statements to this return? Note . Some Form 990 filers that

i83 Page3

Yes No

1 X2 X

3 X

4 N

5 N

6 X

7 X

8 X

9 X

10 1 1 X

113 X

11b X

11c X

11d X

11e X

11f X

12a X

12b X

Form 990 (2010)

03200312-21-10


Form 990 (2010) HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Part IV I Checklist of Required Schedules (continued)

Yes No

21 Did the organization report more than $5,000 of grants and other assistance to governments and organizations in the

United States on Part IX, column (A), line J? If 'Yes, " complete Schedule I, Parts I and 11

22 Did the organization report more than $5,000 of grants and other assistance to individuals in the United States on Part IX,

column (A), line 2? If "Yes,' complete Schedule I, Parts I and Ill

23 Did the organization answer "Yes' to Part VII, Section A, line 3, 4, or 5 about compensation of the organization's current

and former officers, directors, trustees, key employees, and highest compensated employees? If "Yes,' complete

Schedule J

24a Did the organization have a tax-exempt bond issue with an outstanding principal amount of more than $100,000 as of the

last day of the year, that was issued after December 31, 2002? If "Yes," answer lines 24b through 24d and complete

Schedule K. If "No", go to line 25

b Did the organization invest any proceeds of tax-exempt bonds beyond a temporary penod exception?

c Did the organization maintain an escrow account other than a refunding escrow at any time during the year to defease

any tax-exempt bonds?

d Did the organization act as an "on behalf of" issuer for bonds outstanding at any time during the year?

25a Section 501(cX3) and 501 (c)(4) organizations . Did the organization engage in an excess benefit transaction with a

disqualified person during the year? If "Yes," complete Schedule L, Part I

b Is the organization aware that it engaged in an excess benefit transaction with a disqualified person in a prior year, and

that the transaction has not been reported on any of the organization's prior Forms 990 or 990-EZ? If "Yes, " complete

Schedule L, Part 1

26 Was a loan to or by a current or former officer, director, trustee, key employee, highly compensated employee, or disqualified

person outstanding as of the end of the organization's tax year? If "Yes, " complete Schedule L, Part 11

27 Did the organization provide a grant or other assistance to an officer, director, trustee, key employee, substantial

contributor, or a grant selection committee member, or to a person related to such an individual? If "Yes, " complete

Schedule L, Part Ill

28 Was the organization a party to a business transaction with one of the following parties (see Schedule L, Part IV

instructions for applicable filing thresholds, conditions, and exceptions),

a A current or former officer, director, trustee, or key employee? If "Yes," complete Schedule L, Part IV

b A family member of a current or former officer, director, trustee, or key employee? If "Yes, " complete Schedule L, Part IV

c An entity of which a current or former officer, director, trustee, or key employee (or a family member thereof) was an officer,

director, trustee, or direct or indirect owner? If "Yes, " complete Schedule L, Part IV

29 Did the organization receive more than $25,000 in non-cash contributions? If "Yes, " complete Schedule M

30 Did the organization receive contributions of art, historical treasures, or other similar assets, or qualified conservation

contributions? If "Yes, " complete Schedule M

31 Did the organization liquidate, terminate, or dissolve and cease operations?

If "Yes, " complete Schedule N, Part

32 Did the organization sell, exchange, d

I

ispose of, or transfer more than 25% of its net assets?If "Yes," complete

Schedule N, Part /l

33 Did the organization own 100% of an entity disregarded as separate from the organization under Regulations

sections 301.7701-2 and 301 7701-3? If "Yes," complete Schedule R, Part

34 Was the organization related to any tax-exempt or taxable entity?

I

If "Yes, " complete Schedule R, Parts II, lll, IV, and V, line 1

35 Is any related organization a controlled entity within the meaning of section 512(b)(13)?

a Did the organization receive any payment from or engage in any transaction with a controlled entity within the meaning of

section 512(b)(13)? If "Yes," complete Schedule R, Part V, line 2 0 Yes ®No

36 Section 501(c)(3) organizations . Did the organization make any transfers to an exempt non-chantable related organization?

If "Yes," complete Schedule R, Part V, line 2

37 Did the organization conduct more than 5% of its activities through an entity that is not a related organization

and that is treated as a partnership for federal income tax purposes? If "Yes,' complete Schedule R, Part VI

38 Did the organization complete Schedule 0 and provide explanations in Schedule 0 for Part VI, lines 11 and 19?

Note . All Form 990 filers are required to complete Schedule 0

03200412-21-10

09280422 139010 HCCU

21 X

22 X

23 X

24a X

24b

24c

24d

25a N/

25b N/

26 X

27 X

28a X

28b X

28c X

30 X

31 X

32 X

33 X

34 X

35 X

36 N/

37 1 1 X

381XIForm 990 (2010)

42010.03040 HAWAII CENTRAL FEDERAL CRED HCCU 1

Form 990 2010 HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Part V Statements Regarding Other IRS Filings and Tax Compliance

Check if Schedule 0 contains a response to any question in this Part V

la Enter the number reported in Box 3 of Form 1096. Enter -0- if not applicable la 4558b Enter the number of Forms W-2G included in line 1 a. Enter -0- if not applicable 1b 0

c Did the organization comply with backup withholding rules for reportable payments to vendors and reportable gaming

(gambling) winnings to prize winners? 1c X

2a Enter the number of employees reported on Form W-3, Transmittal of Wage and Tax Statements,

filed for the calendar year ending with or within the year covered by this return 2a 37

b If at least one is reported on line 2a, did the organization file all required federal employment tax returns? 2b X

Note. If the sum of lines 1 a and 2a is greater than 250, you may be required to e-file. (see instructions)

3a Did the organization have unrelated business gross income of $1,000 or more during the year? 3a X

b If "Yes," has it filed a Form 990-T for this year? If "No, " provide an explanation in Schedule 0 3b X

4a At any time during the calendar year, did the organization have an interest in, or a signature or other authority over, a

financial account in a foreign country (such as a bank account, securities account, or other financial account)? 4a X

b If "Yes," enter the name of the foreign country: 10.

See instructions for filing requirements for Form TD F 90-22.1, Report of Foreign Bank and Financial Accounts.

5a Was the organization a party to a prohibited tax shelter transaction at any time during the tax year? 5a X

b Did any taxable party notify the organization that it was or is a party to a prohibited tax shelter transaction? 5b X

c If "Yes," to line 5a or 5b, did the organization file Form 8886-T? 5c

6a Does the organization have annual gross receipts that are normally greater than $100,000, and did the organization solicit

any contributions that were not tax deductible? 6a X

b If "Yes," did the organization include with every solicitation an express statement that such contributions or gifts

were not tax deductible's 6b

7 Organizations that may receive deductible contributions under section 170(c).

a Did the organization receive a payment in excess of $75 made partly as a contribution and partly for goods and services provided to the payor? 7a X

b If "Yes," did the organization notify the donor of the value of the goods or services provided? 7b

c Did the organization sell, exchange, or otherwise dispose of tangible personal property for which it was required

to file Form 8282? 7c X

d If "Yes," indicate the number of Forms 8282 filed during the year 7d

e Did the organization receive any funds, directly or indirectly, to pay premiums on a personal benefit contract? 7e X

f Did the organization, during the year, pay premiums, directly or indirectly, on a personal benefit contract? 7f X

g If the organization received a contribution of qualified intellectual property, did the organization file Form 8899 as required? 7

h If the organization received a contribution of cars, boats, airplanes, or other vehicles, did the organization file a Form 1098-C? 7h

8 Sponsoring organizations maintaining donor advised funds and section 509(a )( 3) supporting organizations . Did the supporting N/

organization, or a donor advised fund maintained by a sponsoring organization, have excess business holdings at any time during the years 8

9 Sponsoring organizations maintaining donor advised funds.

a Did the organization make any taxable distributions under section 4966? N/ 9a

b Did the organization make a distribution to a donor, donor advisor, or related person? N/ 9b

10 Section 501(c)(7) organizations . Enter:

a Initiation fees and capital contributions included on Part VIII, line 12 N/A 10a

b Gross receipts, included on Form 990, Part VIII, line 12, for public use of club facilities N/A lob

11 Section 501(c)( 12) organizations . Enter.

a Gross income from members or shareholders 1la

b Gross income from other sources (Do not net amounts due or paid to other sources against

amounts due or received from them) 11b

12a Section 4947(a)(1) non-exempt charitable trusts . Is the organization filing Form 990 in lieu of Form 1041? 12a

b If "Yes," enter the amount of tax-exempt interest received or accrued during the year 12b

13 Section 501(c)(29) qualified nonprofit health insurance issuers.

a Is the organization licensed to issue qualified health plans in more than one state? 13a

Note. See the instructions for additional information the organization must report on Schedule 0.

b Enter the amount of reserves the organization is required to maintain by the states in which the

organization is licensed to issue qualified health plans 13b

c Enter the amount of reserves on hand 13c

14a Did the organization receive any payments for indoor tanning services during the tax year? 14a X

b If "Yes," has it filed a Form 720 to report these payments? If "No, " provide an explanation in Schedule 0 14b

Form 990 (2010)

03200512-21-10


Form 990 C201 0) HAWAII CENTRAL FEDERAL CREDIT UNION 99- 0085683 Pane 6Part VI Governance, Management, and Disclosure For each 'Yes" response to lines 2 through 7b below, and fora 'No" response

to line 8a, 8b, or 10b below, describe the circumstances, processes, or changes in Schedule 0 See instructions

Check if Schedule 0 contains a response to any question in this Part VI EllSection A. Govemina Bodv and Management

la Enter the number of voting members of the governing body at the end of the tax year

b Enter the number of voting members included in line 1 a, above, who are independent

2 Did any officer, director, trustee, or key employee have a family relationship or a business relationship with any other

officer, director, trustee, or key employee?

3 Did the organization delegate control over management duties customarily performed by or under the direct supervision

of officers, directors or trustees, or key employees to a management company or other person?

4 Did the organization make any significant changes to its governing documents since the prior Form 990 was filed?

5 Did the organization become aware during the year of a significant diversion of the organization's assets?

6 Does the organization have members or stockholders?

7a Does the organization have members, stockholders, or other persons who may elect one or more members of the

governing body?

b Are any decisions of the governing body subject to approval by members, stockholders, or other persons?

8 Did the organization contemporaneously document the meetings held or written actions undertaken during the year

by the following

a The governing body?

b Each committee with authority to act on behalf of the governing body?

9 Is there any officer, director, trustee, or key employee listed in Part VII, Section A, who cannot be reached at the

X

Section B. Policies (This Section B requests information about policies not required by the Internal Revenue Code.)

10a Does the organization have local chapters, branches, or affiliates?

b If "Yes," does the organization have written policies and procedures governing the activities of such chapters, affiliates,

and branches to ensure their operations are consistent with those of the organization?

1la Has the organization provided a copy of this Form 990 to all members of its governing body before filing the form?

b Describe in Schedule 0 the process, if any, used by the organization to review this Form 990.

12a Does the organization have a written conflict of interest policy? If No, " go to line 13

b Are officers, directors or trustees, and key employees required to disclose annually interests that could give rise

to conflicts?

c Does the organization regularly and consistently monitor and enforce compliance with the policy? If "Yes," describe

in Schedule 0 how this is done

13 Does the organization have a written whistleblower policy?

14 Does the organization have a written document retention and destruction policy?

15 Did the process for determining compensation of the following persons include a review and approval by independent

persons, comparability data, and contemporaneous substantiation of the deliberation and decision?

a The organization's CEO, Executive Director, or top management official

b Other officers or key employees of the organization

If "Yes" to line 15a or 15b, describe the process in Schedule O. (See instructions.)

16a Did the organization invest in, contribute assets to, or participate in a joint venture or similar arrangement with a

taxable entity during the year?

b If "Yes," has the organization adopted a written policy or procedure requiring the organization to evaluate its participation

in joint venture arrangements under applicable federal tax law, and taken steps to safeguard the organization's

Section C. Disclosure

No

17 List the states with which a copy of this Form 990 is required to be filed 01HI

18 Section 6104 requires an organization to make its Forms 1023 (or 1024 if applicable), 990, and 990-T (501 (c)(3)s only) available for

public inspection . Indicate how you make these available. Check all that apply

0 Own websrte = Another 's website ® Upon request

19 Describe in Schedule 0 whether (and if so , how), the organization makes its governing documents, conflict of interest policy , and financial

statements available to the public

20 State the name , physical address , and telephone number of the person who possesses the books and records of the organization:

BRUCE M. ROSEN - 808-531-8911

681 S. KING STREET , HONOLULU , HI 96813Form 990 (2010)

03200612-21-10


Form 990 2010 HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Part VII Compensation of Officers , Directors, Trustees , Key Employees , Highest Compensated

Employees , and Independent ContractorsCheck if Schedule 0 contains a response to any question in this Part VII 0

Section A. Officers , Directors, Trustees , Key Employees , and Highest Compensated Employees

la Complete this table for all persons required to be listed. Report compensation for the calendar year ending with or within the organization's tax year.

• List all of the organization' s current officers, directors, trustees (whether individuals or organizations), regardless of amount of compensation.Enter -0- in columns (D), (E), and (F) if no compensation was paid.

• List all of the organization's current key employees, if any See instructions for definition of "key employee "• List the organization' s five current highest compensated employees (other than an officer, director, trustee, or key employee) who received reportable

compensation (Box 5 of Form W-2 and/or Box 7 of Form 1099-MISC) of more than $100,000 from the organization and any related organizations

• List all of the organization's former officers, key employees, and highest compensated employees who received more than $100,000 ofreportable compensation from the organization and any related organizations

• List all of the organization's former directors or trustees that received, in the capacity as a former director or trustee of the organization,more than $10,000 of reportable compensation from the organization and any related organizations.

List persons in the following order: individual trustees or directors, institutional trustees, officers; key employees, highest compensated employees,and former such persons

n Check this box if neither the oraamzation nor any related organization compensated any current officer. director. or trustee

(A) (B) (C) (D) (E) (F)

Name and Title Average Position Reportable Reportable Estimatedhours per (check all that apply) compensation compensation amount ofweek from from related other

(describe the organizations compensationhours for organization (W-2/1099-MISC) from therelated H _b (W-2/1099-MISC) organization

organizations " and relatedin Schedule s d =

x E

E organizations

0)_ _

FREDERICK TSUDA

CHAIRMAN OF THE BOARD 10.00 X X 0 . 0 . 0 .

DENNIS MAHER

VICE CHAIRMAN 1.00 X X 0. 0. 0.

BETTY HIROZAWA

SECRETARY 1.00 X X 0. 0. 0.

WAYNE TOMA

TREASURER 1.00 X X 0. 0. 0.

NEIL SHIMOGAWA

DIRECTOR 1.00 X 0. 0. 0.

DENNIS IHARA

DIRECTOR 1.00 X 0. 0. 0.

LUTHER TYAU

DIRECTOR 1.00 X 0. 0. 0.

MOSES LUM HOY

DIRECTOR ( FORMER ) 1.00 X 0. 0. 0.

DRAKE TANABE

PRESIDENT 40.00 X 108 781. 0. 4 , 429.NICHOLAS DELOS SANTOS

INTERIM PRESIDENT ( FORMER ) 40.00 X 10 , 000. 0. 748.

BRUCE ROSEN

EXECUTIVE VICE PRESIDENT/CFO 40.00 X 98 , 308. 0. 4 , 583.VALERIE KUBOTA

VICE PRESIDENT ADMINISTRATION 40.00 X 55 , 389. 0. 4 , 429.MILES KIMHAN

DISREGARDED ENTITY'S PRESIDENT 40.00 X 146 , 180. 0. 2 , 245.

032007 12-21-10 Form 990 (2010)

15590408 139010 HCCU 2010.03040 HAWAII CENTRAL FEDERAL CRED HCCU

Form 990 (2010) HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Part VIII Section A_ Officers- Directorc _ Trustees - Key Fmnlnvnnc and Flinhest Cmmnencatori Fmnlnvnnc /rnnhn,,aril

(A)

Name and title

(B)

Averagehours per

(C)

Position(check all that apply)

(D)

Reportablecompensation

(E)

Reportablecompensation

(F)

Estimatedamount of

week

(describe

hours for

related

organizations

in Schedule

0)s

-

E

w

from

theorganization

(W2/1099-MISC)

from relatedorganizations

(W-2/1099-MISC)

othercompensation

from the

organizationand related

organizations

Tlb Sub-total ► 418 , 658 . 0. .161434c Total from continuation sheets to Part VII, Section A ► 0 . 0 . 0 ,

d Total add lines lb and 1c ► 418 , 658. 1 0. 16 4 3 4 .2 Total number of individuals (including but not limited to those listed above) who received more than $100,000 in reportable

compensation from the organization ► 2

3 Did the organization list any former officer, director or trustee, key employee, or highest compensated employee on

line 1 a? If "Yes, " complete Schedule J for such individual

4 For any individual listed on line 1 a, is the sum of reportable compensation and other compensation from the organization

and related organizations greater than $150,000? If "Yes, " complete Schedule J for such individual

5 Did any person listed on line 1 a receive or accrue compensation from any unrelated organization or individual for services

rendered to the oraanization? If "Yes. " complete Schedule J for such person

No

Section B. Independent Contractors

1 Complete this table for your five highest compensated independent contractors that received more than $100,000 of compensation from

the organization

(A)Name and business address

(B)Description of services

(C)Compensation

FISERV1621 CREEKSIDE DRIVE , CORINTH , TX 76210 DATA PROCESSING 338 035.HAWAII MEDICAL SERVICE ASSOCIATION, 818KEEAUMOKU STREET , HONOLULU , HI 96814-2365 HEALTH INSURANCE 108 983.

12 Total number of independent contractors (including but not limited to those listed above) who received more than

$100 ,000 in compensation from the organization 100. 2

Form 990 (2010)

032008 12-21-10


Form

of Revenue9

(A) (B) (C)Total revenue Related or Unrelated Revenueexcluded fromexempt function business tax under

revenue revenue sections 512,513,or514

0 r 1 a Federated campaigns laCan11o b Membership dues lb

0- E c Fundraising events 1c52 d Related organizations 1d

E

y

e Government grants (contributions) le

° f All other contributions , gifts, grants, and

o similar amounts not included above if

C "a0 r_ g Noncash contributions included in lines la-if $

e In Total . Add lines 1a-1f

Business Code

v 2a

b

y a, cE0i d

o e

f All other program service revenue

Total . Add lines 2a-2f 11111,

3 Investment income (including dividends, interest, and

other similar amounts) 0, 5 , 6 5 0 304. 5 650304.4 Income from investment of tax -exempt bond proceeds ►5 Royalties ►

( i) Real ( ii) Personal

6 a Gross Rents 65 , 150.b Less , rental expenses

c Rental income or (loss) 65 , 150ad Net rental income or (loss) ► 65 , 150 . 65 , 150.

7 a Gross amount from sales of ( i ) Securities a Other

assets other than inventory 101 , 445.b Less cost or other basis

and sales expenses 100 , 000. 168.

c Gain or (loss) 1 , 445. -168.d Net gain or (loss) ► 1 , 277. 1 , 277.

y 8 a Gross income from fundraising events (not

C including $ of

contributions reported on line 1c) See

Part IV, line 18 a

b Less . direct expenses bO

c Net income or (loss) from fundraising events ►9 a Gross income from gaming activities. See

Part IV, line 19 a

b Less: direct expenses b

c Net income or (loss ) from gaming activities ►10 a Gross sales of inventory , less returns

and allowances a

b Less cost of goods sold b

c Net income or (loss) from sales of invento ry

Miscellaneous Revenue Business Code

11a FEES & CHARGES 522100 395 701. 395 701.b MISCELLANEOUS INCOME 900099 23 , 368. 23 1 368.c OTHER 524298 1 , 205. 1 1 205.d All other revenue

e Total . Add lines 11 a-11 d ► 420 , 274. 112 Total revenue . See instructions . 0, 1 6 , 137 , 005. 1 0. 1 , 205. 1 613580 0.

0320912-21- oForm 990 (2010)


Form 990 (2010) HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Pa a 10Part IX Statement of Functional Expenses

Section 501(c)(3) and 501(c)(4) organizations must complete all columns.All other organizations must complete column (A) but are not required to complete columns (B), (C), and (D)

Do not include amounts reported on lines 6b,7b, 8b , 9b, and 10b of Part VIII.

ATotal expenses

BProgram service

expensesManagement andgeneral eenses

(Fundraisingexpenses

1 Grants and other assistance to governments and

organizations in the U.S. See Part IV, line 21

2 Grants and other assistance to individuals in

the U.S. See Part IV, line 22

3 Grants and other assistance to governments,

organizations, and individuals outside the U.S

See Part IV, lines 15 and 16

4 Benefits paid to or for members

5 Compensation of current officers, directors,

trustees, and key employees 275 , 920.6 Compensation not included above, to disqualified

persons (as defined under section 4958(f)(1)) and

persons described in section 4958(c)(3)(B)

7 Other salaries and wages 1 , 275 , 294.8 Pension plan contributions (include section 401(k)

and section 403(b) employer contributions) 57 072 .

9 Other employee benefits 106 , 921.10 Payroll taxes 121 , 003.11 Fees for services (non-employees)

a Management

b Legal 30 , 606.c Accounting 28 , 687.d Lobbying

e Professional fundraising services. See Part IV, line 17

f Investment management fees

g Other 10 , 559.12 Advertising and promotion 125 , 743.13 Office expenses 234 , 274.14 Information technology 251 , 183.15 Royalties

16 Occupancy 104 , 201.

17 Travel 33 , 341.18 Payments of travel or entertainment expenses

for any federal, state, or local public officials

19 Conferences, conventions, and meetings 19 , 500.

20 Interest

21 Payments to affiliates 115 , 374.22 Depreciation, depletion, and amortization 122 , 304.23 Insurance 32 , 943.24 Other expenses. Itemize expenses not covered

above. (List miscellaneous expenses in line 24f. If line24f amount exceeds 10% of line 25, column (A)amount, list line 24f expenses on Schedule 0.)

a DIVIDENDS TO MEMBERS 1 , 370 , 956.b PROVISION FOR LOAN LOSS 539 163.c CORPORATE STABILIZATION 321 396.d DIRECT COST OF SERVICE 214 061.e .LOAN SERVICING EXPENSES 132 189.f All other expenses 111 , 019.

25 Total functional e xp enses Add lines 1 through 24f 5 633 , 709.26 Joint costs . Check here ► E^j if following SOP

98-2 (ASC 958-720). Complete this line only if theorganization reported in column (B) joint costs from acombined educational campaign and fundraisingsolicitation

032010 12-21-10 Form 990 (2010)


Form 990 2010 HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Part X Balance Sheet

(A) (B)Beginning of year End of year

1 Cash - non-interest-beanng 4 , 346 , 080. 1 4 , 560 , 905.2 Savings and temporary cash investments 4 , 475 , 728. 2 26 , 480 , 221.3 Pledges and grants receivable, net 3

4 Accounts receivable, net 15 , 371. 4 1 , 074 , 378.5 Receivables from current and former officers, directors, trustees, key

employees, and highest compensated employees Complete Part II

of Schedule L 368 1 936. 56 Receivables from other disqualified persons (as defined under section

4958(0(1)), persons described in section 4958(c)(3)(B), and contributing

employers and sponsoring organizations of section 501 (c)(9) voluntary

employees' beneficiary organizations (see instructions) 6

7 Notes and loans receivable, net 58 , 692 , 249. 7 57 1 636 , 760.8 Inventories for sale or use 8

9 Prepaid expenses and deferred charges 60 , 812. 9 102 , 460.10a Land, buildings, and equipment: cost or other

basis. Complete Part VI of Schedule D 10a 4 , 768 , 933.b Less: accumulated depreciation lob 1 , 757 , 537. 3 , 082 , 286. 1oc 3 , 011 , 396.

11 Investments - publicly traded secunties 21 , 234 , 827. 11 27 , 762 , 142.12 Investments - other securities See Part IV, line 11 35 , 346 , 475. 12 26 , 982 , 177.13 Investments - program-related. See Part IV, line 11 13

14 Intangible assets 14

15 Other assets. See Part IV, line 11 1 , 801 , 934. 15 2 , 047 , 858.16 Total assets. Add lines 1 through 15 must equal line 34 129 , 424 , 698. 16 149 , 658 , 297.17 Accounts payable and accrued expenses 566 , 182. 17 737 , 544.18 Grants payable 18

19 Deferred revenue 19

20 Tax-exempt bond liabilities 20

21 Escrow or custodial account liability Complete Part IV of Schedule D 21

•-' 22 Payables to current and former officers, directors, trustees, key employees,Z highest compensated employees, and disqualified persons. Complete Part II

'j of Schedule L 22

23 Secured mortgages and notes payable to unrelated third parties 23

24 Unsecured notes and loans payable to unrelated third parties 24

25 Other liabilities Complete Part X of Schedule D 116 , 6 91 6 9 9. 25 136 , 250 , 640.26 Total liabilities . Add lines 17 throug h 25 117 , 257 , 881. 26 136 , 988 , 184.

Organizations that follow SFAS 117, check here 1110- and complete

lines 27 through 29, and lines 33 and 34.

27 Unrestricted net assets 27M

28 Temporarily restricted net assets 28M

29 Permanently restricted net assets 29

LL Organizations that do not follow SFAS 117, check here ® and

0 complete lines 30 through 34.

30 Capital stock or trust principal, or current funds 0. 30 0.

Q 31 Paid-in or capital surplus, or land, building, or equipment fund 0. 31 0.

32 Retained earnings, endowment, accumulated income, or other funds 12 , 166 , 817. 32 12 , 670 , 113.Z 33 Total net assets or fund balances 12 , 166 , 817. 33 12 , 670 , 113.

34 Total liabilities and net assets/fund balances 129 , 424 , 698. 34 149 , 658 , 297.Form 990 (2010)

032011 12-21-10

1115590408 139010 HCCU 2010 . 03040 HAWAII CENTRAL FEDERAL CRED HCCU 1

Farm 990 (2010) HAWAI I_ CENTRAL FEDERAL CREDIT UNION 9 9 - 0 0 8 5 6 8 3 Part XI Reconciliation of Net Assets

Check if Schedule 0 contains a response to any question in this Part XI

1 Total revenue (must equal Part VIII, column (A), line 12) 1 6 , 137 , 005.2 Total expenses (must equal Part IX, column (A), line 25) 2 5 , 633 , 709.3 Revenue less expenses Subtract line 2 from line 1 - 3 503 , 296.4 Net assets or fund balances at beginning of year (must equal Part X, line 33, column (A)) 4 12 , 166 , 817.5 Other changes in net assets or fund balances (explain in Schedule 0) 5

6 Net assets or fund balances at end of year Combine lines 3, 4, and 5 (must equal Part X, line 33, column (13 )) 6 12 , 670 , 113.Part XII Financial Statements and Reporting

Check if Schedule 0 contains a response to any question in this Part XII

Yes No

1 Accounting method used to prepare the Form 990- 0 Cash ® Accrual = Other

If the organization changed its method of accounting from a prior year or checked "Other," explain in Schedule 0

2a Were the organization's financial statements compiled or reviewed by an independent accountant? 2a X

b Were the organization's financial statements audited by an independent accountant? 2b X

c If "Yes" to line 2a or 2b, does the organization have a committee that assumes responsibility for oversight of the audit,

review, or compilation of its financial statements and selection of an independent accountant? 2c

If the organization changed either its oversight process or selection process during the tax year, explain in Schedule 0

d If "Yes" to line 2a or 2b, check a box below to indicate whether the financial statements for the year were issued on a

separate basis, consolidated basis, or both:

0 Separate basis 0 Consolidated basis 0 Both consolidated and separate basis

3a As a result of a federal award, was the organization required to undergo an audit or audits as set forth in the Single Audit

Act and OMB Circular A-1339 3a X

b If "Yes," did the organization undergo the required audit or audits? If the organization did not undergo the required audit

or audits, explain why in Schedule 0 and describe any steps taken to undergo such audits 3b

Form 990 (2010)

032012 12-21-10


SCHEDULE D(Form 990)

. Department of the Treasury

Supplemental Financial Statements OMB No 1545-0047

10- Complete if the organization answered "Yes," to Form 990, 2010Part IV, line 6, 7, 8, 9, 10, 11, or 12. Open to Public

1110- Attach to Form 990. 1111 ' See separate instructions. Inspection

Name of the organization Employer identification number

Part I I Organizations Maintaining Donor Advised Funds or Other Similar Funds or Accounts . Complete if theorganization answered "Yes" to Form 990, Part IV, line 6

(a) Donor advised funds (b) Funds and other accounts

1 Total number at end of year

2 Aggregate contributions to (during year)

3 Aggregate grants from (during year)

4 Aggregate value at end of year 1 1

5 Did the organization inform all donors and donor advisors in writing that the assets held in donor advised funds

are the organization 's property , subject to the organization ' s exclusive legal control? 0 Yes 0 No

6 Did the organization inform all grantees , donors , and donor advisors in writing that grant funds can be used only

for charitable purposes and not for the benefit of the donor or donor advisor , or for any other purpose conferring

Part II I Conservation Easements. Complete if the org anization answered "Yes" to Form 990, Part IV, line 7

1 Purpose (s) of conservation easements held by the organization (check all that apply)

0 Preservation of land for public use (e g., recreation or education) Q Preservation of an historically important land area

Protection of natural habitat 0 Preservation of a certified historic structure

Preservation of open space

2 Complete lines 2a through 2d if the organization held a qualified conservation contribution in the form of a conservation easement on the last

day of the tax year

a Total number of conservation easements

b Total acreage restricted by conservation easements _

c Number of conservation easements on a certified historic structure included in (a)

d Number of conservation easements included in (c) acquired after 8/17/06, and not on a historic structure

listed in the National Register

3 Number of conservation easements modified, transferred, released, extinguished, or terminated by the organization during the tax

year Do-

4 Number of states where property subject to conservation easement is located POP-

5 Does the organization have a written policy regarding the periodic monitoring, inspection, handling of

violations, and enforcement of the conservation easements it holds? 0 Yes 0 No

6 Staff and volunteer hours devoted to monitoring, inspecting, and enforcing conservation easements during the year 0.

7 Amount of expenses incurred in monitoring, inspecting, and enforcing conservation easements during the year 100. $

8 Does each conservation easement reported on line 2(d) above satisfy the requirements of section 170(h)(4)(B)()

and section 170(h)(4)(B)(i)? _ 0 Yes 0 No

9 In Part XIV, describe how the organization reports conservation easements in its revenue and expense statement, and balance sheet, and

include, if applicable, the text of the footnote to the organization's financial statements that describes the organization's accounting for

conservation easements.

Part III Organizations Maintaining Collections of Art, Historical Treasures , or Other Similar Assets.Complete if the organization answered "Yes" to Form 990, Part IV, line 8

la If the organization elected , as permitted under SFAS 116 (ASC 958), not to report in its revenue statement and balance sheet works of art,

historical treasures , or other similar assets held for public exhibition , education , or research in furtherance of public service , provide , in Part XIV,

the text of the footnote to its financial statements that describes these items

b If the organization elected, as permitted under SFAS 116 (ASC 958), to report in its revenue statement and balance sheet works of art, historical

treasures, or other similar assets held for public exhibition, education, or research in furtherance of public service, provide the following amounts

relating to these items

(i) Revenues included in Form 990, Part VIII, line 1 $

(ii) Assets included in Form 990, Part X $

2 If the organization received or held works of art, historical treasures, or other similar assets for financial gain, provide

the following amounts required to be reported under SFAS 116 (ASC 958) relating to these items.

a Revenues included in Form 990, Part VIII, line 1 11110. $

b Assets included in Form 990, Part X . $

LHA For Paperwork Reduction Act Notice , see the Instructions for Form 990. Schedule D (Form 990) 201003205112-20-10


Schedule D Form 990) 2010 HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Pa e 2Part III Organizations Maintaining Collections of Art, Historical Treasures , or Other Similar Assets (continued)3 Using the organization's acquisition, accession, and other records, check any of the following that are a significant use of its collection items

(check all that apply).

a 0 Public exhibition d 0 Loan or exchange programs

b LI Scholarly research e 0 Other

c ED Preservation for future generations

4 Provide a description of the organization's collections and explain how they further the organization's exempt purpose in Part XIV

5 During the year, did the organization solicit or receive donations of art, historical treasures, or other similar assets

to be sold to raise funds rather than to be maintained as p art of the organization's collection'? 0 Yes 0 NoPart IV Escrow and Custodial Arrangements . Complete if the organization answered "Yes" to Form 990, Part IV, line 9, or

reported an amount on Form 990, Part X, line 21.

la Is the organization an agent , trustee , custodian or other intermediary for contributions or other assets not included

on Form 990, Part X? 0 Yes 0 No

b If "Yes," explain the arrangement in Part XIV and complete the following table:

c Beginning balance

d Additions during the year

e Distributions during the year

f Ending balance

2a Did the organization include an amount on Form 990 , Part X, line 21 9

b If "Yes." exDlam the arrangement in Part XIV.

PartV Endowment Funds. Complete if the organization answered "Yes" to Form 990, Part IV, line 10

( a ) Current year (b ) Prior year c Two years back (d) Three years back (e ) Four years back

la Beginning of year balance

b Contributions

c Net investment earnings, gains, and losses

d Grants or scholarships

e Other expenditures for facilities

and programs

f Administrative expenses

g End of year balance

2 Provide the estimated percentage of the year end balance held as

a Board designated or quasi-endowment NO- %

b Permanent endowment %

c Term endowment llli^ %

3a Are there endowment funds not in the possession of the organization that are held and administered for the organization

by Yes No

(i) unrelated organizations

03a(ii) related organizations

b If "Yes" to 3a(ii), are the related organizations listed as required on Schedule R?

4 Describe in Part XIV the intended uses of the organization's endowment funds

Part VI Land, Buildings, and Eauiament. See Form 990. Part X. line 10

Descnption of investment (a) Cost or otherbasis (investment)

(b) Cost or otherbasis (other)

(c) Accumulateddepreciation

(d) Book value

la Land 2 , 372 , 586. 2 , 372 , 586.b Buildings 1 1 771 , 129. 1 , 261 , 347. 509 782.c Leasehold improvements

d Equipment

e other 625 218. 496 , 190 -. 1 129 028.Total . Add lines 1 a throw h 1 e . Column (d) must equal Form 990, PartX column (B), line 10 c 3 , 011 , 396 .

Schedule D (Form 990) 2010

03205212-20-10


Schedule D Form 990) 2010 HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Pa e 3Part VII Investments - Other Securities . See Form 990, Part X, line 12.

(a) Description of security or category(including name of security)

(b) Book value(c) Method of valuation

Cost or end-of-year market value

(1) Financial derivatives

(2) Closely-held equity interests

(3) Other

(A) CERTIFICATES OF DEPOSIT(B) IN FINANCIAL INSTITUTIONS 26 982 177. COST(C)(D)

(G)

(H )

Total . Col ( b ) must e q ual Form 990 , Part X, col ( 13 ) line 12. ) 26 , 982 , 177.

Part VIII Investments - Program Related . See Form 990, Part X, line 13

(a) Description of investment type (b) Book value(c) Method of valuation

Cost or end-of-year market value

1

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)( 10)

Total Col ( b ) must e q ual Form 990 , Part X , col ( B ) line 13. )

Part IX I Other Assets. See Form 990, Part X, line 15(a) Description (b) Book value

1

(2)

(3 )

(4)

(5)

(6)

(7 )

(8)

(9)

(10)

Total . (Column (b) must equal Form 990 , Part X, col (B) line 15. )

Part X Other Liabilities . See Form 990, Part X, line 25.1 (a) Description of liability (b) Amount

(1 ) Federal income taxes

(2 ) MEMBER SHARES 136 250 640.(3 )

(4)

(5 )

(6)

(7 )

(8)

(9)

(10)

(11 )

Total. Column must a ual Form 990, Part X,Q0

B line 25 ►0o no e i n . orovi e e ax o a footno t e t o th e oraaniza ions inanaa

13 6 250 6 4 0 .statemen ts a repo s th e oraamza ion s l i ab i l i ty for uncert ain ax oosi ions un der

2. FIN 48 (ASC 740)

12-200-10 Schedule D (Form 990) 2010


Schedule D (Form 990) 201 0 HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Page 4Part XI Reconciliation of Change in Net Assets from Form 990 to Audited Financial Statements

1 Total revenue (Form 990, Part VIII, column (A), line 12) 12 Total expenses (Form 990, Part IX, column (A), line 25) 2

3 Excess or (deficit) for the year. Subtract line 2 from line 1 3

4 Net unrealized gains (losses) on investments 4

5 Donated services and use of facilities 5

6 Investment expenses 6

7 Prior period adjustments 7

8 Other (Describe in Part XIV) 8

9 Total adjustments (net) Add lines 4 through 8 9

10 Excess or (deficit) for the year per audited financial statements. Combine lines 3 and 9 10Part XII Reconciliation of Revenue per Audited Financial Statements With Revenue per Return

1 Total revenue, gains, and other support per audited financial statements 12 Amounts included on line 1 but not on Form 990, Part VIII, line 12.

a Net unrealized gains on investments 2a

b Donated services and use of facilities 2b

c Recoveries of prior year grants 2c

d Other (Describe in Part XIV.) 2d

e Add lines 2a through 2d 2e

3 Subtract line 2e from line 1 3

4 Amounts included on Form 990, Part VIII, line 12, but not on line 1

a Investment expenses not included on Form 990, Part VIII, line 7b 4a

b Other (Describe in Part XIV) 4b

c Add lines 4a and 4b 4c

5 Total revenue Add lines 3 and 4c. Crhis must equal Form 990 , Part I line 12. ) 5Part XIII Reconciliation of Expenses per Audited Financial Statements With Expenses per Return

1 Total expenses and losses per audited financial statements 1

2 Amounts included on line 1 but not on Form 990, Part IX, line 25:

a Donated services and use of facilities 2a

b Prior year adjustments 2b

c Other losses 2c

d Other (Describe in Part XIV.) 2d

e Add lines 2a through 2d 2e

3 Subtract line 2e from line 1 3

4 Amounts included on Form 990, Part IX, line 25, but not on line 1'

a Investment expenses not included on Form 990, Part VIII, line 7b 4a

b Other (Describe in Part XIV) 4b

c Add lines 4a and 4b 4c

InformationComplete this part to provide the descriptions required for Part II, lines 3, 5, and 9; Part III, lines 1 a and 4, Part IV, lines 1 b and 2b, Part V, line 4, Part

X, line 2, Part XI, line 8, Part XII, lines 2d and 4b, and Part XIII, lines 2d and 4b Also complete this part to provide any additional information

03205412-20-10

Schedule D (Form 990) 2010


SCHEDULE L

(Form 990 or 990-EZ)

Department of the TreasuryInternal Revenue Service

Transactions With Interested Persons10- Complete if the organization answered

"Yes" on Form 990, Part IV, line 25a, 25b, 26, 27, 28a, 28b, or 28c,or Form 990-EZ, Part V, line 38a or 40b.

► Attach to Form 990 or Form 990-EZ. ► See separate instructions.

OMB No 1545-0047

2010Open To PublicInspection

Name of the organization I Employer identification number

THAWATT f`VMrI1PAT. Ti'Ti'T1Ti!1 AT. rlPvfTrP TTATT(IAT oo_nnQC.r.aZ

(section 501(c)(3) and section 501(c)(4) organizations only).

Part II Loans to and/or From Interested Persons.

Complete if the oraamzatlon answered "Yes" on Form 990. Part IV. line 26. or Form 990-E7 Part V line 38a

(a) Name of interestedperson and purpose

(b) Loan to or fromthe organization?

(c) Orig inal p rincipalamount

(d) Balance due (e) Indefaults

f) Approved(f)board or

?en(9) Writt

agreement?

To From Yes No Yes No Yes No

Total $ran IIIJ urants or Assistance CSeneTuting Interested rersons.

Complete if the organization answered "Yes" on Form 990, Part IV, line 27.

(a) Name of interested person (b) Relationship between interested person and (c) Amount and type ofthe organization assistance

LHA For Paperwork Reduction Act Notice , see the Instructions for Form 990 or 990-EZ. Schedule L (Form 990 or 990-EZ) 2010

032131 12-21-10


2 Enter the amount of tax imposed on the organization managers or disqualified persons during the year under

section 4958 1111 $

3 Enter the amount of tax, if any, on line 2, above, reimbursed by the organization No. $

HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683Schedule L (Form 990 or 990-EZ) 2010 Page 2Part IV Business Transactions Involving Interested Persons.

Complete if the organization answered "Yes" on Form 990. Part IV , line 28a . 28b. or 28c

(a) Name of interested person (b) Relationship between interestedperson and the organization

(c) Amount oftransaction

( d) Description oftransaction

(e) Sharing oforgan izatio n

e?reve nues?

Yes No

CONTINENTAL MECHANICAL OF NEIL SHIMOGAWA , DI 5 , 108. ONTHLY MAI X

Part V I Supplemental InformationComplete this part to provide additional information for responses to questions on Schedule L (see instructions)

SCH L, PART IV, BUSINESS TRANSACTIONS INVOLVING INTERESTED PERSONS:

(A) NAME OF PERSON: CONTINENTAL MECHANICAL OF THE PACIFIC

(B) RELATIONSHIP BETWEEN INTERESTED PERSON AND ORGANIZATION:

NEIL SHIMOGAWA, DIRECTOR, IS AN OFFICER OF CONTINENTAL MECHANICAL

(C) AMOUNT OF TRANSACTION $ 5,108.

(D) DESCRIPTION OF TRANSACTION: MONTHLY MAINTENANCE FEES FOR AN AIR

CONDITIONING UNIT, WHICH WAS PURCHASED FROM CONTINENTAL MECHANICAL.

(E) SHARING OF ORGANIZATION REVENUES? = NO

Schedule L (Form 990 or 990-EZ) 201003213212-21-10


SCHEDULE O Supplemental Information to Form 990 or 990-EZ OMB No 1545-0047

(Form 990 or 990-EZ) Complete to provide information for responses to specific questions on 2010

- Department of the TreasuryForm 990 or 990-EZ or to provide any additional information. Open to Public

110- Attach to Form 990 or 990-EZ. InspectionInternal Revenue Service

Name of the organization Employer identification numberHAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683

FORM 990, PART I, LINE 1, DESCRIPTION OF ORGANIZATION MISSION:

CERTIFICATES OF DEPOSIT, IRAS, AND LOANS.

FORM 990, PART VI, SECTION A, LINE 4: THE ORGANIZATION CONVERTED FROM A

STATE CHARTERED CREDIT UNION TO A FEDERALLY CHARTERED CREDIT UNION IN

DECEMBER 2010. AS A FEDERAL CREDIT UNION DESCRIBED IN SECTION 501(C)(1) OF

THE CODE, THE ORGANIZATION NAME BECAME HAWAII CENTRAL FEDERAL CREDIT UNION.

ATTACHED IS THE ORGANIZATION'S CHARTER AS A FEDERAL CREDIT UNION FILED WITH

THE STATE.

FORM 990, PART VI, SECTION A, LINE 6: MEMBERSHIP IS REQUIRED TO JOIN THE

CREDIT UNION. ACCEPTANCE OF A SHARE DEPOSIT OF $25.00 FROM A QUALIFIED

INDIVIDUAL OR BUSINESS RESULTS IN MEMBERSHIP.

FORM 990, PART VI, SECTION A, LINE 7A: THE BOARD OF DIRECTORS ARE ELECTED

AT THE ANNUAL MEMBERSHIP MEETING. TERMS FOR DIRECTORS ARE STAGGERED.

OFFICERS ARE ELECTED BY THE BOARD OF DIRECTORS AT THE FIRST BOARD MEETING

AFTER THE ANNUAL MEMBERSHIP MEETING.

FORM 990, PART VI, SECTION B, LINE 11: THE BOARD OF DIRECTORS REVIEWED THE

FORM 990 BEFORE FILING.

FORM 990, PART VI, SECTION B, LINE 12C: EACH DIRECTOR ANNUALLY SIGNS THE

CONFLICT OF INTEREST STATEMENT TO ATTEST THAT THEY ARE IN COMPLIANCE WITH

THE POLICY. ALL LOANS TO ANY COMMITTEE MEMBERS , OFFICER, OR DIRECTOR MUST

BE APPROVED BY THE BOARD OF DIRECTORS. IF A LOAN IS TO A DIRECTOR, THENLHA For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ. Schedule 0 (Form 990 or 990-EZ) (2010)03221101-24-11


THAT PERSON MAY NOT BE PRESENT WHEN THE LOAN IS BEING REVIEWED/APPROVED BY

THE BOARD OF DIRECTORS.

FORM 990, PART VI, SECTION B, LINE 15: COMPENSATION RANGES FOR ALL

EMPLOYEES IS PROPOSED BY THE PERSONNEL COMMITTEE, WHO REVIEWS INDUSTRY DATA

AND MANAGEMENT RECOMMENDATIONS. THE BOARD OF DIRECTORS APPROVES THE

COMPENSATION RANGES AND SETS THE COMPENSATION FOR THE PRESIDENT/GENERAL

MANAGER.

FORM 990, PART VI, SECTION C, LINE 19: MONTHLY FINANCIAL STATEMENTS ARE

POSTED IN THE BRANCH. THE ANNUAL FINANCIAL STATEMENT IS IN THE ANNUAL

REPORT THAT IS PROVIDED TO EVERY MEMBER WHO ATTENDS THE ANNUAL MEMBERSHIP

MEETING AND IS AVAILABLE IN THE BRANCH. ALL OTHER DOCUMENTS ARE AVAILABLE

UPON REQUEST.

FORM 990, PART VI , LINES 12 , 13, AND 14:

THE ORGANIZATION ' S CONFLICT OF INTEREST POLICY , WHISTLEBLOWER POLICY,

AND DOCUMENT RETENTION AND DESTRUCTION POLICY, APPLIES TO THE

ORGANIZATION'S DISREGARDED ENTITY.

FORM 990, PART XII, LINE 3A

ANNUALLY, THE CREDIT UNION IS SUBJECT TO AN EXAMINATION BY THE NCUA AND

THE STATE OF HAWAII DEPARTMENT OF FINANCIAL INSTITUTIONS. IN ADDITION,

THE SUPERVISORY COMMITTEE PERFORMS PROCEDURAL AUDITS ON AREAS SUCH AS

LOANS, COLLECTIONS, COMPLIANCE WITH THE BANK SECRECY ACT, ACCOUNTING,

OPERATIONS, EDP NETWORK SECURITY, AND AUTOMATED CLEARING HOUSE

OPERATIONS.01-24 11 Schedule 0 (Form 990 or 990-EZ) (2010)


Name of the organization Employer identification number

FORM 990, PAGE 1, BOX B:

FINAL RETURN FILING

THE "TERMINATED" BOX IN THE 990 BOX B IS NOT CHECKED BECAUSE THE

ORGANIZATION STILL EXISTS. ALSO, SCHEDULE N IS NOT PRESENT BECAUSE THE

ORGANIZATION DID NOT LIQUIDATE, TERMINATE, NOR DISSOLVE. HOWEVER, THE

2010 FORM 990 WILL BE THE FINAL RETURN FILING FOR THE ORGANIZATION

BECAUSE IT CONVERTED FROM A STATE CHARTERED CREDIT UNION TO A FEDERALLY

CHARTERED CREDIT UNION IN DECEMBER 2010. AS A FEDERAL CREDIT UNION

DESCRIBED IN SECTION 501(C)(1) OF THE CODE, THE ORGANIZATION WILL NOT

BE REQUIRED TO FILE ANNUAL INFORMATION RETURNS.

03221201-24-11 Schedule 0 (Form 990 or 990-EZ) (2010)


SCHEDULE R Related Organizations and Unrelated Partnerships '"° "°'..."(Form 990) No- Complete if the organization answered "Yes" to Form 990, Part IV, line 33, 34, 35 , 36, or 37.

201 0Department of the Treasury Open to PublicInternal Revenue Service loo- Attach to Form 9g0. See separate instructions. Inspection

Name of the organization Employer identification numberHAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683

Part I Identification of Disregarded Entities (Complete if the organization answered "Yes" to Form 990, Part IV, line 33)

(a)

Name, address, and EINof disregarded entity

(b)

Primary activity

(c)

Legal domicile (state or

foreign country)

(d)

Total Income

(e)

End-of-year assets

(f)

Direct controllingentity

CU NETWORK SERVICES LLC - 27-3549066

681 S . KING STREET SUITE 104 CONSUMER MORTGAGE LOAN

HONOLULU HI 96813 ORIGINATION SERVICES HAWAII 51 641 75291. 9/A

Part IIIdentification of Related Tax-Exempt Organizations (Complete if the organization answered "Yes" to Form 990, Part IV, line 34 because it had one or more related tax-exemptorganizations during the tax year.)

(a)Name, address, and EINof related organization

(b)Prima activityPrimary Y

(c)Legal domicile or9 (state

foreign country)

(d )Exemp t Code

section

( e)

Public charitYstatus (if section

(f)

Direct controllin 9entity

()Section r^2rox^3)

controlledentity?

501(c)(3)) Yes NoPSCU SERVICE CENTERS INC . - 59-1743434

560 CARILLON PARKWAY

ST . PETERSBURG , FL 33716 R DR CARD PROCESSING FLORIDA 5 01 ( C )( 14 ) A X

For Paperwork Reduction Act Notice, see the Instructions for Form 990. Schedule R (Form 990) 2010

03218112-21-1o LHA 22

Schedule R (Form 990) 2010 HAWAII CENTRAL FEDERAL CREDIT UNION 99-0085683 Page 2

Part III Identification of Related Organizations Taxable as a Partnership (Complete if the organization answered "Yes" to Form 990, Part IV, line 34 because it had one or more relatedorganizations treated as a partnership during the tax year.)

(a)

Name, address, and EINof related organization

(b)

Primary activity

(c)Legal

domicileIstate or

(d)

Direct controllingentity

y

(e)

Predominant income(related, unrelated,

excluded from tax under

(f)

Share of totalincome

(g)

Share ofend-of-year

t

(h)

Disproportion-

ate allocations9

(i)

Code V•UBIamount in box20 of Schedule

@

Genera ormanaging

artner2

(k)

Percentageownership

foreigncountry) sections 512-514)

asse sYes No K•1 (Form 1065) a No

Part IV Identification of Related Organizations Taxable as a Corporation or Trust (Complete if the organization answered "Yes" to Form 990, Part IV, line 34 because it had one or more relatedorganizations treated as a corporation or trust during the tax year.)

(a)Name , address , and EINof related organization

(b)Primary activity

(c)

Legal domicile(state orforeigncountry)

(d)Direct controlling

entity

(e)Type of entity

(C corp, S corp ,or trust )

(f)Share of total

income

(g)Share of

end-of-yearassets

(h)Percentageownership

032162 12-21 -10 23 Schedule R (Form 990) 2010


Part V Transactions With Related Organizations (Complete if the organization answered "Yes" to Form 990, Part IV, line 34, 35, 35a, or 36)

Note . Complete line 1 if any entity is listed in Parts II, III, or IV of this schedule Yes No

1 During the tax year, did the organization engage in any of the following transactions with one or more related organizations listed in Parts ll-IVY

a Receipt of (i) interest (ii) annuities (iii) royalties or (iv) rent from a controlled entity 1a X

b Gift, grant, or capital contribution to other organization(s) 1b X

c Gift, grant, or capital contribution from other organization(s) 1c X

d Loans or loan guarantees to or for other organization(s) 1d X

e Loans or loan guarantees by other organization(s) le X

f Sale of assets to other organization(s) if A

g Purchase of assets from other organization(s) X

h Exchange of assets 1h X

i Lease of facilities, equipment, or other assets to other organization(s) 1i X

j Lease of facilities, equipment, or other assets from other organization(s) 1- A

k Performance of services or membership or fundraising solicitations for other organization(s) 1k X

I Performance of services or membership or fundraising solicitations by other organization(s) 11 X

m Sharing of facilities, equipment, mailing lists, or other assets im X

n Sharing of paid employees in X

o Reimbursement paid to other organization for expenses 10 X

p Reimbursement paid by other organization for expenses X

q Other transfer of cash or property to other organization(s) X

r Other transfer of cash or property other organization (s) 1r X

If fhn nnewar to env of the ahnvn i¢ "Vas " saw the instructions for information on who must cmmnlate this hna including covered relationshins and transaction thresholds

(a)Name of other organization

(b)Transactiontype (a-r)

(c)Amount involved

(d)Method of determining

amount involved

1 PSCU SERVICE CENTERS, INC. 0 115,374. ACCRUAL BASIS

(2)

(3)

(4)

(5 )

(6)

032163 12-21-10 2 4 Schedule R (Form 990) 2010


Part VI Unrelated Organizations Taxable as a Partnership (Complete if the organization answered "Yes" to Form 990, Part IV, line 37)

Provide the following information for each entity taxed as a partnership through which the organization conducted more than five percent of its activities (measured by total assets or gross revenue)that was not a related organization. See instructions regarding exclusion for certain investment partnerships.

(a)

Name, address, and EINof entity

(b)

Primary activity

(c)

Legal domicile(state or foreign

(d)

Are all partners

ect,on at0ions9organiz

(e)

Share of end-of-year assets

(f)

Dispropor-tionte

allocataons9

(g)

Code V-UBIamount in box 20of Schedule K-1

(h)

General oranenom

country) Yes No Yes No (Form 1065) Yes No

Schedule R (Form 990) 2010

03218412-21-10 25

NEIL ABERCROMBIEooveRNOR

BRUIN SCHATZLT. GOVERNDR

OF 1"4

0 Faso ^^^

KEWI S. LOPEZ STATE OF HAWAIIDIVISION OF FINANCIAL INSTITUTIONS

DEPARTMENT OF COMMERCE AND CONSUMER AFFAIRS335 MERCHANT STREET. ROOM 221. HONOLULU , HAWAII 96813

P O. BOX 2054, HONOLULU, HAWAII 96805

February 28, 2011

Mr. Drake TanabePresident and General ManagerHawaii Central Federal Credit Union681 South King StreetHonolulu, Hawaii 96813

IRIS IKEDA CATALAN!COLOASSOCER

LYNNE HIIEDADEPUw COMM SsONF.R

Phone: (808) 588-2820Fax (808 ) 586-2818

E-Malt dlCideca hawad oov

Re Hawaii Central Credit Union - Conversion to Federal Charter

Dear Mr. Tanabe:

The Division of Financial Institutions ("DFI") acknowledges receipt of your letterdated January 12, 2011 and filed January 18, 2011 notifying us that Hawaii CentralCredit Union's conversion to a federal charter was approved effective December 16,2010.

You enclosed a copy of the letter dated December 16, 2010 from Elizabeth A.Whitehead, Regional Director of the National Credit Union Administration Region V,approving the conversion of Hawaii Central Credit Union to a federal charter withinsurance coverage provided by the National Credit Union Share Insurance Fund. Asdirected by Ms. Whitehead, you returned to DFI the Organization Certificate that wasapproved on December 8, 1976 by the Commissioner of Credit Unions of the State ofHawaii regarding Hawaii Central Credit Union.

This fulfills all of the requirements imposed by Section 412:3-606, HawaiiRevised Statutes, with regard to the conversion of Hawaii Central Credit Union from astate charter to a federal charter. We will update our records to reflect the fact thatHawaii Central Credit Union ceased to be a state-chartered credit union regulated byDFI as of the effective date of its conversion to a federal credit union charter.

Mr. Drake TanabeFebruary 28, 2011Page 2

Our best wishes to Hawaii Central Credit Union for continued success under itsnew charter.

Sincerely,

0^^ 4t/-0--AVA-"

Iris Ikeda Catalani

KT:IIC:bi

cc: Elizabeth A. Whitehead , NCUA Regional DirectorHCU - Permanent FileHCU - Correspondence FileFile 2010-APP-141

2010-APP-141(HCU)-LF-F

--pep^^

National Credit Union AdministrationREGION V

' December 16, 2010

Drake Tanabe, CEOHawaii Central Federal Credit Union681 South King StreetHonolulu, HI 86813

Dear Mr. Tanabe:

Welcome, I approve your conversion to a federal charter with insurance coverage provided bythe National Credit Union Share Insurance Fund.

Effective December 16, 2010 your credit union is a federal charter. Enclosed are the approvedOrganization Certificate, Charter, field of membership, and Certificate of Insurance. You willreceive additional information and manuals from our central distribution center shortly.

I assigned charter number 24839 as a permanent identification for your federal credit union.Use this number on all reports and correspondence exchanged with the Agency. Display theCertificate of Insurance prominently in the credit union office.

Now that your conversion to federal charter is complete, please return your state chartercertificate to the State of Hawaii, Division of Financial Institutions.

If you have any questions, please contact the Division of Insurance at 602-302-6000 for anyinformation or assistance you need.

Sincerely,

El ' bath A. WhiteheadRegional Director

DOI/RAS:rsEnclosures

cc: Hawaii State Supervisory AuthorityHawaii Credit Union LeagueLane GuideCUMISCUNAThompson PublishersSan Francisco Federal Reserve

1230West Washington Street, Suite 301- Tempe, AZ 85281- Office (602)302-M- Fax (602)302-6024- E-mail: region [email protected]

NATIONAL CREDIT UNION ADMINISTRATION

HAWAII CENTRALFEDERAL CREDIT UNION

(A corporation chartered underthe laws of the United States)

CHARTER NO. 24839

NCUA 4008PAGE 1

ORGANIZATION CERTIFICATE

HAWAII CENTRAL FEDERAL CREDIT UNION

Charter No. 24839

TO NATIONAL CREDIT UNION ADMINISTRATION:

We, the undersigned, do hereby associate ourselves as a Federal Credit Union forthe purposes Indicated in and In accordance with the provisions of the Federal Credit UnionAct, (12 U.S.C. 1751 at seq.). We hereby request approval of this organization certificate; wehereby apply for Insurance of member accounts; we agree to comply with the requirementsof said Act, with the terms of this organization certificate and with all laws, rules, andregulations now or hereafter applicable to Federal Credit Unions.

(1) The name of this credit union shall be Hawaii Central Federal Credit Union.

(2) This credit union will maintain its office and will operate in the territory de-scribed In the field of membership.

NCUA 4008PAGE 2

(3) The names and addresses of the subscribers to this certificate and the numberof shares subscribed by each are as follows:

NAMEFrederick S. Teuda

Dennis C. Maher

Betty F. Hirozawa

Wayne T. Toma

Luther F. K. Tyau

Nell H. Shimogawa

Dennis T. (hare

ADDRESS2015 A Makananl DrHonolulu, HI 96817734 Hahalone StHonolulu , HI 968253577 Woodlawn DrHonolulu, HI45-551 Pillpaa StKaneohe, HI 9674499476 Allipoe DrAles, HI 967011497 Kupau StKallua, HI 9673495463 Mahull StMilllani, HI 96789

SHARES457

19Betty F. Hlrozawa18

22

1375

113

485

(4) The par value of the shares of this credit union will be stated In the bylaws.

(5) The field of membership shall be limited to those having the following common bond:

See attached Certificate of Charter

NCUA 4008PAGE 3

(6) The term of this credit union's existence shall be perpetual: Provided,however, that upon the finding that this credit union is bankrupt or insolventor has violated any provision of this organization certificate, of the bylaws,of the Federal Credit Union Act Including any amendments thereto orthereof, or of any regulations issued thereunder, this organization certificatemay be suspended or revoked under the provisions of Section 120(b) of theFederal Credit Union Act.

(7) This certificate is made to enable the undersigned to avail themselves of theadvantages of said Act.

(8) The management of this credit union, the conduct of its affairs, and thepowers, duties, and privileges of its directors, officers, committees andmembership shall be set forth in the approved bylaws and any approvedamendments thereto or thereof.

IN WITNESS THEREOF we' have here unto subscribed our names this

(day) -/uLf(mnt( of

' At least seven signers none of whom should administer the oath.

NCUA 4008PAGE 4

Subscribed before me, an officer competent to

administer oaths, at oes^6^oaoe,eo

CITY ''•^i':NOTARYSTATE 144 W/3 a h^ PUBLIC

No.10-231 ;this

(day) OF4:+2c^/, P •

(month) ®^9EiNRYPUBLIG cLRiI FICATION(year)

Signed D c. Description : /Z,4r76M'

Title Doc. Date: . No. of pages,___.,_-71(Notary public or other competent officer) Ao/21

Socor,(, R. Selma Date

Not,-.-y Rrst Judicial CircuiiM, uo:r!miccion Expires: 8)112014

NCUA 4008PAGE 5

z 2z National Credit Union Administration• REGION V

'^'^stwn'^be

Hawaii Central Federal Credit Union

Honolulu, Hawaii

Charter Number 24839

WHEREAS, formal request has been submitted by the officials of the Federal credit union that

the following amendment of its charter be approved:

Section 5 of the charter shall be amended to read as follows:

"The field of membership shall be limited to those having the following common bonds:

1. Employees and volunteers of the following credit unions located in Hawaii:

Aloha FCUAloha Pacific FCU,Big Island FCU,Board of Water Supply FCU,CU Hawaii FCU,Dole Wahiawa FCU,Ewa FCU,First Hawaiian Homes FCU,Garden Island FCU,Glover FCU,HMSA Employees FCU,Hamakua Coast Community FCU,Hawaii FCU, Hawaii Community FCU,Hawaii County Employees FCU,Hawaii First FCU,Hawaii Law Enforcement FCU,Hawaii National Guard FCU,Hawaii Pacific FCU, Hawaii Schools FCU,

Hawaii State FCU,Hawaii Stevedores /Castle & Cooke Hawaii FCU,Hawaiian Airlines FCU,Hawaiian Electric Employees FCU,Hawaiian Tel FCU,Hawaii USA FCU,

1230 West Washington Street, Suite 301-Tempe, AZ 85281- Office (602)302-6000- Fax (602)302-6024- E-mail: [email protected]

Charter No. 24839Page 2

HELCO FCU,HFS FCU,Hickam FCU,Honea FCU,Honolulu FCU,Honolulu Fire Department FCU,Hotel & Travel Industry FCU,Independent Employers Group FCU,Island Tradition FCU,Ka'u FCU,Kahuku FCU,Kahului FCU,Kamehameha FCU,Kapalama FCU,Kauai Community FCU,Kauai Government FCU,Kauai Teachers FCU,Kauniakani FCU,Kekaha FCU,Koloa FCU,Kuakini Medical & Dental FCU,Kula Community FCU,Kulia Ohana FCU,Kunia FCU,Lanai FCU,Leahi FCU,Local Union 1186 IBEW FCU,Maui FCU,Maui County FCU,Maui Teacchers FCU,McBryde FCU,McCabe, Hamilton & Renny FCU,Meadow Gold Dairies FCU,Media Hawaii FCU,Medicredit FCU,Molokai Community FCU,NAVFAC FCU,North Hawaii Community FCU,Oahu One Credit Union,Onomea FCU,Oral FCU,OTS Employees FCU,Pacific Hawaii FCU,

M

Pacific Island Energy FCU,Pearl Harbor FCU,Plumbers & Fitters Local 675 FCU,Prince Kuhio FCU,Schofield FCU,Sheraton Hawaii FCU,St. Francis Medical Center FCU,The Queen's FCU,Theo Davies FCU,Times FCU,Tripler FCU,University of Hawaii FCU,Valley Isle Community FCU,Waialua FCU, Wailuku FCU,West Maui Community FCU,West Oahu Community FCU,Windward Community FCU, andWord of Life FCU;

Charter No. 24839 'Page 3

Employees of the Hawaii Credit Union League who work in, are paid from or are

supervised from Honolulu , Hawaii; and Employees of HCU Services Corporation who

work in , are paid from or are supervised from Honolulu, Hawaii;

Employees of CUNA, CUNA Mutual Insurance Society, CUMIS, and CUNA Supply

Cooperative, who work or reside in the State of Hawaii;

Federal and State credit unions maintaining their principal offices in the State of

Hawaii;

Employees of federal or state government agencies responsible for the supervision of

credit unions in the State of Hawaii;

Employees of the following groups who work in, or are paid or are supervised from the

location specified in Hawaii:

24 Hour Fitness Honolulu

808 Bodyworks Waipahu

88 Tee' s Hawaii, Inc. Honolulu

9 Corporation Pearl City

A & B Electric Co., Inc. Kapolei

A Catered Experience Honolulu

A&E Equipment Rentals Inc. Honolulu

A.O.A.O. Aston Hotels & Resorts Honolulu


A-1 Bonding, Inc. HonoluluA'A Party Supplies, Inc. WaipahuA-American Self Storage HonoluluAccess Lifts of Hawaii, Inc. HonoluluAccuCopy, Inc. HonoluluACME Glass & Aluminum, Inc. Pearl CityActus Lend Lease HonoluluAdvantage Web Co. HonoluluAesthetica Plastic and Laser Surgery Ctr HonoluluAffiliated Computer Systems HonoluluAgriculture Int'l, Inc. HonoluluAIG Hawaii Insurance Company, Inc. HonoluluAkahi Services, Inc. Pearl CityAkamai Glass MililaniAl Phillips the Cleaner, Inc. KailuaAla Moana Hotel HonoluluAlan Wong's Restaurant, Inc. HonoluluAlbert C. Kobayashi, Inc. WaipahuAlbert Kobayashi, Inc. #2 WaipahuAlert Alarm, Inc. HonoluluAM Glass & Metal, Inc. KapoleiAli'i Kai Catamaran HonoluluAllied Floor Corporation HonoluluAllison-Ide HonoluluAloha 7 HonoluluAloha Dental Laboratory Inc. HonoluluAloha Key & Concessions HonoluluAloha Painting Company, Ltd. AieaAloha Towers HonoluluAloha United Way HonoluluAloha V.I.P. Tours, Inc. HonoluluALSCO HonoluluAlston Hunt Floyd & Ing HonoluluALTRES, Inc. Honolulu

Alu Like, Inc. Honolulu

AM Partners, Inc. Honolulu

Ambassador Hotel of Waikiki Honolulu

Amber Financial Group LLC Kapolei

American Cancer Society Honolulu

American Carpet One/Carpet Shoppe Honolulu

American Heart Association Honolulu


American Linen Supply HonoluluAmerican Lung Assoc. of HI HonoluluAmerican Mutual Underwriters, Ltd. (26V) HonoluluAmerican Pacific Transport Co., Ltd. HonoluluAmerigas Propane HonoluluAngel Electric WaimanaloAnna Miller's Restaurant AieaAOAO Hawaii First Inc. HonoluluAOAO Heights at Wailuna c/o Metro Mgt HonoluluAOAO Maryl Realty, Inc. HonoluluAOAO Uraku Tower Hawaii HonoluluAOAO Waikiki Sunset HonoluluAqua Manna Hotel HonoluluARC in Hawaii HonoluluArcadia Retirement Residence HonoluluArmed Services YMCA HonoluluArmstrong Produce, Ltd. HonoluluA's Trucking & Equipment, Inc. HonoluluAshford & Wriston HonoluluASM Arch. Scale Models, Inc. AieaAssociation of Owners of Kukui Plaza HonoluluAston Aloha Surf Hotel HonoluluAston at Poipu Kai HonoluluAston at the Waikiki Shore HonoluluAston Coral Reef Hotel HonoluluAston Honolulu Prince HonoluluAston Hotels & Resorts, LLC HonoluluAston Kaanapali Shores Resort HonoluluAston Kaha Lani HonoluluAston Maui Lu HonoluluAston Waikiki Beach Hotel HonoluluAT&T Wireless Service MililaniAtlantis Adventures HonoluluAtlantis Cruises HonoluluAttractions Hawaii HonoluluAutomotive Warehouse, Inc. HonoluluAvanti Group, Ltd. Honolulu

AVON HonoluluBamboo Hotel HonoluluBasin Project, Inc. HonoluluBays, Deaver, Lung, Rose, Baba Honolulu


BCA HonoluluBelt Collins Hawaii Ltd.' HonoluluBen Franklin Crafts HonoluluBenefits Hawaii HonoluluBering Sea Eccotech HonoluluBest Industries USA, Inc. HonoluluBetter Business Bureau of Hawaii, Inc. HonoluluBFS, Inc. HonoluluBig Brothers/Big Sisters of Hon., Inc. HonoluluBilly Fong Studio B HonoluluBishop Insurance Agency HonoluluBishop Square Management HonoluluBlind Vendors Ohana Inc. HonoluluBlue Hawaii Adventures, Inc. HonoluluBlue Planet Surf Gear, LLC HonoluluBlue Print Company, The HonoluluBojim Investments HonoluluBonnie's Closet HonoluluBorthwick Mortuary, Ltd. KaneoheBoss Communication Technologies AieaBoston's Pizza LLC DBA Boston's Pizza Hawaii Ewa BeachBoy Scouts of Am., Aloha Council HonoluluBoys & Girls Club of Hawaii HonoluluBrand Karimoto & Co. HonoluluBrandvold & Associates, Inc. HonoluluBudget Printers HonoluluBurger King HonoluluC & C Electrical Contractor, Inc. HonoluluC & J Telecommunications HonoluluC.C.C. Restaurant Corp. HonoluluC.S. Wo & Sons, Ltd. HonoluluCades Schutte Fleming & Wright HonoluluCaesars Cleaners KaneoheCafe Anasia (RJC Restaurant) HonoluluCafe Che Pasta HonoluluCafe Restaurant HonoluluCapone's Ultimate Detail, Inc. HonoluluCaracol Enterprise of Hawaii, LLC HonoluluCarefree Tours & Travel HonoluluCarlsmith Ball LLP HonoluluCarpenters Union Local 745 Honolulu


CarQuest Auto Parts HonoluluCarryall Inc HonoluluCase, Lombardi, & Petite HonoluluCastle Group, Inc., The AieaCatholic Charities HonoluluCDS International HonoluluCeline Hawaii HonoluluCenterplate AieaCenterplate- Ala Moana Beach Park HonoluluCenterplate- Aloha Stadium AieaCenterplate- Blaisdell Center HonoluluCenterplate- Dole Ballrooms HonoluluCenterplate- Galley Restaurant AieaCenterplate- Kailua Beach Park HonoluluCenterplate- Pali Golf Course HonoluluCenterplate- Paradise Cove KapoleiCentral Medical Clinic, Inc. HonoluluCentral Union Church & Preschool HonoluluCentral Union Preschool HonoluluCENTURION INSURANCE AGENCY HonoluluCentury Center Condominium HonoluluChaney, Brooks & Company, Inc. HonoluluChapman, Desai, Sakata, Inc. HonoluluChar, Hamilton, Campbell & Yoshida HonoluluCharley's Taxi Radio Dispatch Corp. HonoluluChart House Hawaii, Inc. HonoluluCHART Rehabilitation of HI, Inc.con HonoluluChemi-Pure Products, Ltd. HonoluluChibo Int'l Corp. HonoluluChild & Family Service Ewa BeachChoo, Osada & Lee, CPAs, Inc. HonoluluChopsticks Ltd/ Hanafuda Saimin KiheiChun, Kerr, Dodd, Beaman & Wong HonoluluCinnamon Girl HonoluluCivil-Mechanical Contractor AieaClinical Laboratories of Hawaii, LLP Ewa BeachCoconut Wireless Connection, LLC HonoluluCoffee Partners Hawaii HonoluluColliers Monroe Friedlander Mgmt., Inc. HonoluluCommercial Data Systems, Inc. HonoluluCommunications Pacific Honolulu


Community Assistance Center HonoluluCompensation Consultants, Inc. HonoluluComputer House, Inc. HonoluluConsuelo Foundation HonoluluConsumer Group Insurance HonoluluDevens, Nakano, Saito, Lee, Wong & Ching HonoluluDiagnostic Laboratory HonoluluDiamond Head Plumbing Inc. HonoluluDiamond Head Vista (Payroll Dept. Only) HonoluluDirrti Inc. HonoluluDiscover Hidden Hawaii Tour HonoluluDoi Luke and Miyatake Attorneys at Law HonoluluDollar Rent A Car HonoluluDon Quijote (USA) Co., Ltd. HonoluluDoubletree Alana Waikiki Hotel HonoluluDrug Addiction Services of Hawaii, Inc. HonoluluDTRIC HonoluluDura-Constructors, Inc. HonoluluDwyer Schraff Meyer Grant & Green HonoluluDynasty Restaurant HonoluluE Noa Corporation HonoluluE. Yamashita Personal Training LLC HonoluluEarle M. Alexander, Ltd. AieaEaster Seals Hawaii HonoluluEdward Enterprises HonoluluEKNA Services, Inc. HonoluluElectrical Contractors Hawaii Inc. WahiawaElement 8, LLC HonoluluElks Club HonoluluEndo & Company HonoluluEpilepsy Foundation of Hawaii, Inc. HonoluluErneko's LLC HauulaErnst & Young LLP HonoluluEURAM, Inc. Waipahu

Everett Cuskaden and Associates, ALC Honolulu

Family Law Center Honolulu

Family Services Center, Inc. Honolulu

Fantastic Sam's Honolulu

Fastop Convenience Stores, Inc. Honolulu

FCH Enterprises, Inc. Honolulu

Federal Maintenance Wahiawa


Ferraro Choi And Associates , Ltd. HonoluluFil-Am Courier HonoluluFilipino Chamber of Commerce of Hawaii HonoluluFilmWorks Pacific Ltd. HonoluluFina Home Accents Honolulu

Finance Insurance Ltd. HonoluluFirst American Title Company Inc. HonoluluFirst Baptist Preschool HaleiwaFisher Hawaii Honolulu

Flora-Dec Sales, Inc. Honolulu

Four Paddle (Payroll Dept . Only) Honolulu

Four Paddle , A.O.A.O . Honolulu

Friends of lolani Palace (The) Honolulu

Friends of the Children's Advocacy Ctr Honolulu

Fuji Photo Film Hawaii , Inc. Waipahu

Fujioka & Wakazuru , CPAs Honolulu

Fujioka ' s Supermarket Waialua

G.A. Morris, Inc. Honolulu

Gem Search International Honolulu

Geoffrey V. Davis, M.D. Eyecare &Surg. Aiea

Gerald Y. Ushijima , CPA Honolulu

Germaines Luau Inc . Honolulu

GK Takata & Associates Honolulu

GLA, Inc. Honolulu

Glennco Hawaii Inc Honolulu

Gold Coast Realty LLC Honolulu

Golden Reef Partners Honolulu

Gold's Gym Honolulu

Goodenow Associates , Inc. Honolulu

Goodsill, Anderson, Quinn & Stifel Honolulu

Goodwill Contract Services Hawaii, Inc. Honolulu

Goodwill Industries of Hawaii, Inc. Honolulu

Grace Pacific Corp . Honolulu

Grace Pacific-semimonthly Honolulu

Graphic Arts Sales Honolulu

Great West of HI, Inc. Honolulu

-Greeters of Hawaii , Ltd. Honolulu

Greg Boyer-Hawn Lndscp., Inc. Kaneohe

Gregory House Honolulu

Gregory House Programs Honolulu

Grubb & Ellis / CBI, Inc. Honolulu


Gyotaku Japanese Restaurant Pearl CityH&H Builders Inc. Honolulu

Hagadone Printing Company Honolulu

Hair Strands Salon & Massage WaipahuHakuyosha Hawaii Inc. Honolulu

Halawa View Apts. Aiea

Hale Ho Aloha ICF/SNF Honolulu

Hale Kipa , Inc. Honolulu

Harold Chu, Atty at Law Honolulu

Harold D . Sasaki, Ltd. CPA Honolulu

Hawaii Activities and Tours Association Honolulu

Hawaii Argyle Television, Inc. Honolulu

Hawaii Baptist Academy Honolulu

Hawaii Benefits Administrators Honolulu

Hawaii Blueprint Honolulu

Hawaii Care & Cleaning , Inc. Lihue, Kauai

Hawaii Carpenters Market Recovery Prog. Honolulu

Hawaii Carpet Clinic Honolulu

Hawaii Cash Reg. & Comp., Inc. Waipahu

Hawaii Central Credit Union Honolulu

Hawaii Check Cash Honolulu

Hawaii Community Services Council Honolulu

Hawaii Convention Center Honolulu

Hawaii Credit Union League Honolulu

Hawaii Disability Rights Ctr Honolulu

Hawaii Foodbank , Inc. Honolulu

Hawaii Healthcare Professionals , Inc. Honolulu

Hawaii Instrumentation & Controls, Inc. Honolulu

Hawaii Insurance Bureau , Inc. Honolulu

Hawaii Insurance Consultants, Ltd. Honolulu

Hawaii Insurance Guaranty Assoc . Honolulu

Hawaii Jaycees Honolulu

Hawaii Job Corps Waimanalo

Hawaii Kai Baptist Church Honolulu

Hawaii Medical Association Honolulu

Hawaii Opera Theatre Honolulu

Hawaii Pacific Engineers , Inc. Honolulu

Hawaii Prince Hotel Waikiki Honolulu

Hawaii Public Radio Honolulu

Hawaii Residency Programs , Inc. Honolulu

Hawaii Residency Programs-Medicine Honolulu


Hawaii Residency Programs-ObstetricsHawaii Residency Programs-PediatricsHawaii Residency Programs-PsychiatricHawaii Residency Programs-SurgeryHawaii Services of DeafnessHawaii State Bar AssociationHawaii Stationary Company, LimitedHawaii Theatre CenterHawaii TMK Service, Inc.Hawaii Visitors & Convention BureauHawaiian BagelHawaiian Candies & Nuts, Ltd.Hawaiian CementHawaiian Eye-LandHawaiian General Insurance Agency, Inc.Hawaiian Island Auto Detailing, Inc.Hawaiian Island Homes Ltd.Hawaiian Isles Enterprises, Inc.Hawaiian Memorial Park CemeteryHawaiian Monarch HotelHawaiian Waters Adventure Park

Hawaiiana Hotel

Hawaiiana Management Co., Ltd.HCAP, Inc.Health Resources, Inc.Healthcare Association of HawaiiHeleamanu PlantationsHelen Price Inc., RealtorsHelping Hands HawaiiHFM Food ServiceHibiscus Aloha CorporationHicks Construction Co., IncHIE Holding LtdHilo Hawaiian HotelHilton Grand Vacations Co.

Hilton Hawaiian Village

Hisaka Stone Goto Yoshida, et alHolotta Ice CreamHome WorldHomeless Solutions Inc.HONCAD Corporation

HonoluluHonoluluHonoluluHonoluluHonoluluHonoluluAieaHonolulu

Honolulu

Honolulu

Honolulu

HonoluluAiea

Honolulu

HonoluluHonolulu

Honolulu

HonoluluKaneohe

Honolulu

KapoleiHonolulu

HonoluluHonoluluHonolulu

HonoluluHonolulu

Honolulu

HonoluluHonoluluHonolulu

KaneoheHonolulu

Aiea

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Honolulu

AieaHonolulu

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Honolulu Airport Hotel HonoluluHonolulu Board of Realtors (employees) HonoluluHonolulu Board of Realtors (members) HonoluluHonolulu Club HonoluluHonolulu Community Action Program HonoluluHonolulu Country Club HonoluluHonolulu Dental Laboratory, Inc. HonoluluHonolulu Japanese Chamber of Commerce HonoluluHonolulu Lodge 616, B. P. O. E. (Elks) HonoluluHonolulu Publishing Company., Ltd. HonoluluHorizon Waste Services of Hawaii HonoluluHorwath Kam & Company HonoluluHoselton & Associates HaleiwaHula's HonoluluHyatt Regency Waikiki Resort & Spa HonoluluIBEW, Local Union 1260 HonoluluIchimura and Arakaki HonoluluIkeda & Wong, CPA, Inc. HonoluluILC International, Inc. HonoluluImanaka Kudo and Fujimoto HonoluluImperial HI Resort - AOAO HonoluluImperial HI Vac. Club-AOAO HonoluluINALAB Inc. HonoluluInd-Comm Management, Inc. HonoluluINETS (Innovative Network Solutions Inc) HonoluluInn on the Park AieaInstitute of Clinical Acupuncture & One HonoluluIntegrated Assets, Inc. HonoluluIntegrity Tile & Stone, Inc. KailuaInterisland Systems Development & Int. HonoluluInternational Life Support, Inc. HonoluluInternational Management Svcs Inc HonoluluInvestech Hawaii, Inc. Honolululolani Court Plaza, A.O.A.O. HonoluluIolani Court Plaza, The (Payroll Only) HonoluluIsla Medical Services Inc. HonoluluIsland Colony - A Marc Suite HonoluluIsland Community Lending Kamuela

Island Girl Enterprise KaneoheIsland Legacy, Ltd. AieaIsland Magic Sportswear, Inc. Aiea


Island Maid, Inc. Honolulu

Island Nursing Home, Inc. Honolulu

Island Pacific Distributors, Inc. Honolulu

Island Printing Centers Kailua

Island Signal and Sound Inc. Honolulu

Island Title Corporation Honolulu

J P Automobiles Honolulu

J.A. Electric Services Inc. Honolulu

Jamba Juice Hawaii Honolulu

James A. Stanton Attorney At Law Honolulu

James K. Kodani, CPA, Inc. Honolulu

James W. Y. Wong/Security Devices Honolulu

Janice Matsunaga MD Honolulu

Jerry Hay, Inc. Honolulu

JIT Foods Honolulu

JJC Hawaii, LLC Honolulu

John Dominis Restaurant Honolulu

John Mullen & Co., Inc. Honolulu

JS Services, 'Inc. Honolulu

JTB Overseas Development Corp Honolulu

JTL Enterprises, LLC Honolulu

Judith Ann Pavey, Attorney at Law Honolulu

K&S Enterprises Honolulu

Kaanapali Shores Restaurant Honolulu

Kahana Reef Resort Honolulu

Kahu Malama Nurses, Inc. Honolulu

Kaikor Construction Associates, Inc. Honolulu

Kaimulsi Typewriter Service, Ltd. Honolulu

Kaluakoi Villas Aiea

Kamaole Sands Resort Aiea

Kaplan Inc. Honolulu

Kapolei Landscaping, Inc. Honolulu

Karen's Coffee, Inc. Honolulu

Karns Murakami & Hanashiro LLP Honolulu

Kauai Beach Villas Honolulu

Kawaiaha'o Church Corp. Honolulu

Kawaiaha'o School Honolulu

Kawazoe Enterprises Honolulu

KCAA Pre-Schools of Hawaii Honolulu

Kenart Investments Honolulu

Kenneth F. Brown Businesses Honolulu


Kerr Michaels Design HonoluluKevin J. Mulkern, Lie. Lndscp. Cont. HonoluluKFC Airport, Inc. HonoluluKGMB9 HonoluluKGMB-TV HonoluluKHON TV2 HonoluluKiahuna Plantation & The Beach Bungalows AieaKITV HonoluluKN Kaminaka Inc. dba: Parts Plus Maui HonoluluKobayashi Doi and Lum, CPA's HonoluluKodama, Okamoto Architects, Inc. HonoluluKokua Cntry Foods - Co Op, Inc. HonoluluKokua Market HonoluluKokua Nurses HonoluluKona by the Sea HonoluluKona Islander Inn (AOAO) Kailua, - KonaKona Reef AieaKoolau Farmers KaneoheKowen & Walker HonoluluKPW LLC dba: Parts Plus HonoluluKQMQ HonoluluKramer's HonoluluKramer's (Payroll) HonoluluKrupa Enterprises, Inc. HonoluluKukui Gardens (payroll) HonoluluKukui Gardens Corporation HonoluluKukui Plaza HonoluluKUMU HonoluluKupono Investments, Inc. HonoluluKurisu & Fergus HonoluluKWME, Inc. HonoluluL.H. Gamble Co., Ltd. HonoluluLanakila Rehabilitation Ctr Inc HonoluluLanger Hawaii Corp. HonoluluLanikai Resort AieaLaw Offices of Gary Shigemura HonoluluLaw Offices of James M. Sattler HonoluluLa-Z-Boy Furniture Galleries HonoluluLCS HonoluluLeather of the Sea, Inc. HonoluluLegal Aid Society of Hawaii Honolulu


Lemke, Chinen & Tanaka, CPA, Inc. HonoluluLeonard's Bakery HonoluluLeong & Fong, CPAs HonoluluLewers Project Ltd HonoluluLex Brodie's Tire Company HonoluluLife Care Services HonoluluLifeline Services Inc. HonoluluLike Like Drive Inn, Ltd. HonoluluLions' Cleaning & Maintenance, Inc HonoluluLoco Boyz Co. Ltd., dba Loco Boyz Surf HonoluluLoomis Fargo & Company HonoluluLove's Bakery HonoluluLTM CORP HonoluluLucent Technologies HonoluluLuersen Architects. HonoluluLum & Hiromoto, CPA's, Inc. HonoluluLumi Art HonoluluLumi International, LLC HonoluluLunalilo Home HonoluluLVMH Fashion Group Hawaii HonoluluLyon Associates Inc. HonoluluM & E Pacific, Inc. HonoluluMai 7 Honolulu

Maia Jube HonoluluMaids To CLEAN HonoluluMakahuena at Poipu AieaMall Management Associates, MMI Realty HonoluluMAMO, Inc. HonoluluManagement, Inc. HonoluluManheim Services Corp Honolulu

Marc Diamond Head Beach Hotel HonoluluMarc Maui Vista Resort Kihei, MauiMarc Resorts Hawaii HonoluluMarc Suites Waikiki HonoluluMarc Waikiki Grand Hotel HonoluluMarc Waikiki Royal Suites Honolulu

Marco Polo AOAO, Inc. Honolulu

Marianas Hawaii Liaison Office Honolulu

Marimed Foundation for Island Health Care Kaneohe

Marisco Limited Kapolei

Martin & Chock, Inc. Honolulu


Masons Union Local #1, & 630 HonoluluMatsumoto Group, CPAs, Inc. Honolulu

Maui Divers Jewelry HonoluluLahaina,

Maui Myth & Magic Theater Maui

Maui Varieties, Ltd.-Adm. HonoluluMauna Luan AOAO Honolulu

Maunalani Nursing & Rehab Center Honolulu

Maximum Legal Services Corp. Honolulu

McCorriston Miller Mukai & MacKinnon Honolulu

McDonald's Fort St. Mall Honolulu

McDonald's of Aiea Aiea

McDonald's of Aina Haina Honolulu

McDonald's of Ewa Beach Ewa Beach

McDonald's of Haleiwa Haleiwa

McDonald's of Hawaii Kai Honolulu

McDonald's of Kahala Honolulu

McDonald's of Laie Laie

McDonald's of Manoa Marketplace Honolulu

McDonald's of Waipahu Waipahu

McDonald's of Waipio Waipahu

McDonald's of Wal-Mart Royal Kunia Waipahu

McDonald's of Windward Mall Waipahu

McDonald's Pearl Kai Aiea

McDonald's Pearlridge Aiea

McDonald's Stadium Marketplace Honolulu

MCI International Honolulu

MECI Management Honolulu

Medical Shared Services Honolulu

Michael F. McCarthy, Atty at Law Honolulu

Michaels Fine Jewelry Honolulu

Michel's at the Colony Surf Honolulu

MicroDyne Computer Systems, Inc. Kailua

Midas Waipahu

Mid-Pacific Country Club Kailua

Miles Y. Ichinose, et al Waipahu

Mink & Yuen, Inc. Honolulu

MLS Hawaii Inc. Honolulu

Moanalua Gardens Found., Inc. Honolulu

Mobi PCS Honolulu

Modem Carpet Care Honolulu


Moiliili Community Center HonoluluMortgage Plus HonoluluMOS Foods Holding HonoluluMosaic Designs (HI), Ltd. HonoluluMPC Handitrans HonoluluMr. Malasada (Leonard's Jr's) HonoluluMr. Ojisan HonoluluMs. Mau Inc.dba Who Cut the Cheese KiheiMSH Distribution HonoluluMTC HonoluluN & K (Nishihama & Kishida) CPA's Inc. HonoluluNancy's Fashion and Jewelry Inc. HonoluluNapili Point Resort Lahaina,Napoleon's Bakery HonoluluNative Hawaiian Chamber of Commerce HonoluluNat'l Tire of HI HonoluluNetwork Media HonoluluNew Otani Kaimana Beach Hotel HonoluluNew Tech Imaging HonoluluNew Wave Broadcasting ChathamNewtown Estates Community Assoc. AieaNikken Corporation WaikoloaNing, Lilly & Jones HonoluluNoguchi & Associates, Inc. HonoluluNotkin Hawaii Inc. HonoluluNS Holding HonoluluNurseFinders of Hawaii HonoluluNuuanu Hale Hospital HonoluluOahu Care Facility HonoluluOahu Country Club HonoluluOahu Gas Service, Inc. KapoleiOahu Paving Company, Inc. HonoluluOaks Development Corp. HonoluluOcean Resort Hotel Waikiki HonoluluOceanic Cable MitilaniOceanic Institute Waimanalo

Office Pavilion HonoluluOgata& Ching Inc./ GCI Wireless Honolulu

OH Print Honolulu

Ohana International Enterprise LTD HonoluluOhata Chun Yuen CPAs Honolulu


I

OK TV & Appliances Pearl City

Okonomiyaki Chibo Restaurant Honolulu

Old Republic Escrow Honolulu

Old Republic Title/Escrow Honolulu

Olsten Staffing Services Honolulu

One Archer Lane Honolulu

One Kalakaua Senior Living Honolulu

ONTS CPA ,- LLP. Honolulu

Opportunities for the Retarded , Inc. Wahiawa

Options for Elders , Inc. Honolulu

Oshima, Chun, Fong & Chung Honolulu

Ossipoff, Snyder & Rowland Architects Honolulu

Outrigger Canoe Club Honolulu

P.C. Care Corp . Pearl City

Pac/Rim Medical Technology & Supplies Honolulu

Pacific Bar Assoc. Honolulu

Pacific Basin Economic Council Honolulu

Pacific Business News Honolulu

Pacific Cadd Services, Inc. Aiea

Pacific Ceiling Fans, Inc. Aiea

Pacific Data Services, Inc. Honolulu

Pacific Elevator Corp Honolulu

Pacific Fire Protection, Inc. Pearl City

Pacific Gateway Center Honolulu

Pacific Guardian Life Ins . Co. Honolulu

Pacific Home Furnishings , Ltd. Pearl City

Pacific Int'l Service Honolulu

Pacific Isle Landscape Honolulu

Pacific Medical Collection HonoluluSan

Pacific Outlets Ltd. Francisco

Pacific Resource Partnership Honolulu

Pacific Rim Properties , Ltd. Honolulu

Pacific Store Planning Honolulu

Pacific Telecommunications Council Honolulu

Painter's Warehouse, Inc. Honolulu

Palama Settlement Honolulu

Palolo Chinese Home Honolulu

Pan Pacific Pathologist , Inc. Hilo

Panasonic Hawaii , Inc. Aiea

Papakea (AOAO) Aston Honolulu


Paradise Cove Luau KapoleiParadise Cruise, Ltd. HonoluluParadise Media Group LLC AieaParents & Children Together/PACT HonoluluPark Park Yu & Remillard HonoluluPark Shore Hotel HonoluluPATCH (People Attentive to Children) HonoluluPatrick Vyas , CPA, Inc. HonoluluPaul, Johnson, Park & Niles HonoluluPBR Hawaii HonoluluPC Services HonoluluPearl City Nursing Home Pearl CityPemco , Ltd. HonoluluPendleton Flour Mills LLC HonoluluPereira of Hawaii, Inc. Honolulu

Pex of Hawaii, Inc. HonoluluPflueger Acura HonoluluPflueger Automobiles HonoluluPflueger Honda HonoluluPH Corporation HonoluluPhilippine Consulate General HonoluluPhillips, Brandt, Reddick , & Assoc.(HI) HonoluluPhoto Service Hawaii, Inc. HonoluluPhotoplant, Inc., The HonoluluPhysicians Exchange of Honolulu HonoluluPictures Plus HonoluluPine Enterprises , Inc. HonoluluPitluck, Kido , Sato & Stone, AAL HonoluluPKF-Hawaii HonoluluPKF-Hawaii LLP HonoluluPlanned Parenthood of Hawaii HonoluluPlaza Club HonoluluPlaza Coffee Shop & Restaurants HonoluluPlaza Hotel (The Best Western) HonoluluPoipu Shores AieaPolo Tours International , Inc. HonoluluPolynesian Adventure Tours, Inc. HonoluluPolynesian Cultural Center LaiePortugese Chamber of Commerce of Hawaii HonoluluPrecision Air Conditioning, Inc. AieaPrince Hotel, Inc. Honolulu


ProdeSign & Fast Sign HonoluluProfessional Image, Inc. HonoluluProfessional Result Management HonoluluProgressive Communications of HI, Inc. HonoluluProPark, Inc. HonoluluProSERVICE Hawaii HonoluluProtection & Advocacy Agency HonoluluPrudential Locations HonoluluPuamana Community Association LahainaPure Blue HonoluluQualex, Inc. HonoluluQuality General , Inc. AieaQuality Resort Management, Inc. WaikoloaQuality Transmission Inc. HonoluluQualpac Management HonoluluQueen Kapiolani Hotel / Ocean Resort HonoluluQueen Lili ' uokalani Child. Ctr. HonoluluQuest Intelligence Bureau , Ltd. HonoluluR & R Fashion & Alteration WaipahuR. Fujioka & Sons HonoluluRadiant Research HonoluluRainbow Business Systems HonoluluRainbow Printers, Inc. HonoluluRDH Transportation Services HonoluluRebecca Stewart Modeling School & Agency HonoluluReflections Waipahu

Regal Travel, Inc. Honolulu

Regency at Kahala AOAO HonoluluRegis Corporation MinneapolisReid K. Saito , O.D.,.LLC HonoluluReliable Collection Agency, Ltd HonoluluRenaissance llikai Waikiki Honolulu

Rendezvous Tours, Inc. Honolulu

Renee Paz Swimwear Honolulu

Resco Inc. Honolulu

Resort Honolulu

ResortQuest Waikiki Beachside Honolulu

ResortQuest Waikiki Circle Hotel Honolulu

ResortQuest Waikiki Sunset Honolulu

ResortQuest at Papakea Resort Honolulu

ResortQuest at the Maui Banyan Honolulu


ResortQuest at the Waikiki Banyan HonoluluResortQuest Coconut Plaza Hotel HonoluluResortQuest Kaanapali Shores HonoluluResortQuest Mahana at Kaanapali HonoluluResortQuest Maui Hill HonoluluResortQuest Maui Kaanapali Villas HonoluluResortQuest Pacific Monarch. HonoluluResortQuest Paki Maui HonoluluResortQuest Waikiki Beach Hotel HonoluluResortQuest Waikiki Beach1ower HonoluluResortQuest Waikiki Joy Hotel HonoluluResortQuest( Executive Centre Hotel) HonoluluRFJO Corp HonoluluRichard Lee, Attorney at Law, Inc. HonoluluRichards and Luke HonoluluRiders Coporation HonoluluRobert's Hawaii, Inc. HonoluluRobinson Corporation HonoluluRockabella LLP HonoluluRome Research Corporation Hickam AFBRonald T. Ohtani, D.D.S., Inc. HonoluluRon's Performance Center HonoluluRoyal Aloha Vacation Club HonoluluRoyal Capitol Plaza HonoluluRoyal Guard Security, Inc. HonoluluRoyal State Insurance Group HonoluluRoyal-Clark Development Co. HonoluluRush Moore Craven Sutton Morry & Beh HonoluluS & R Personnel Services, Inc. HonoluluS&M Sakamoto, Inc. Pearl CitySafeguard Services, Inc. HonoluluSaigon Noodle House KailuaSako Electric Corp HonoluluSalvation Army- Adult. Rehab. HonoluluSalvation Army Family Treatment Svc. HonoluluSalvation Army-ATS HonoluluSalvation Army-Kauluwela Miss. Corps HonoluluSam O. Hirota, Inc. HonoluluSandwich Isle Tree Care, Inc. AieaSandy Steps, Inc. dba Thongs 'n' Things AieaSansei Architects Honolulu


)Scan Line, Inc. Honolulu

Scan/Office Interiors Honolulu

Schutter & Associates, Atty at Law Honolulu

Schutter, Dias, Smith & Wong Honolulu

Screen Products, Inc. WaipahuSea Life Park Waimanalo

SEC Corporation Honolulu

Secret Restaurant (The) Honolulu

Security Devices of Hawaii, Inc. Honolulu

Security Equipment Corp Honolulu

Security Title Corporation Honolulu

Self-Help Housing Corp. of Hawaii Honolulu

Seven-Eleven Hawaii, Inc. Honolulu

Seventeen Seventeen (1717) Ala Wai Condo Honolulu

Seventeen Seventeen c/o Mgmt Specialists Honolulu

Sew Good Honolulu

Sgt. Leisure Inc. Honolulu

Shea & Co., CPA, Inc. Honolulu

Shidler Group (The) Honolulu

Shioi Construction Pearl City

Shiro & Associates, Inc. Aiea

Shoreline Hawaii, Inc. Honolulu

Simplex Time Recorder Aiea

Skylark Restaurant Honolulu

SlumberWorld Honolulu

Smarte Carte, Inc. Honolulu

SMG-Hawaii Convention Center Honolulu

Smith Himmelmann Honolulu

Smithkline Beecham Laboratories Honolulu

Solid Surface Technologies Honolulu

South Pacific Distributors Honolulu

South Seas Aquatics Honolulu

Specchio Vetro Waipahu

Special Olympics Hawaii Honolulu

Spectrum Engineering Waipahu

Sports Authority Waipahu

Spotlight Hawaii Honolulu

St. Mark's Kindergarten and Day Care Honolulu

Stanton Clay Chapman Crumpton & Iwamura Honolulu

Starbucks Coffee Hawaii Honolulu

Starcom Builders, Inc. Honolulu


State of HI Employees Honolulu

Steve ' s Auto Air & Body Works Honolulu

Stratacom Honolulu

Subway Hawaii Honolulu

Summery Restaurant Honolulu

Summit Communications, Inc. Honolulu

Sun Islands Hawaii Honolulu

Sunex Limited dba Bestours Honolulu

Super Star Honolulu

Supercuts Honolulu

Sure Shot Honolulu

Susannah Wesley Comm. Ctr. Honolulu

T. Irving Chang Attorney Honolulu

Takushi, Wong , Lee & Yee Honolulu

Tapers Union Local 1944 Honolulu

TeamPraxis Honolulu

Technology Integration Group Honolulu

The Art Source , Inc. Kapolei

The Bay Club Ownership Resort , Inc. Waikoloa

The CPA Office Honolulu

The Family Health , Inc. Honolulu

The Kahala Hotel & Resort Honolulu

The Shores at Waikoloa Honolulu

The Spot Karaoke Honolulu

The Whaler on Kaanapali Beach Honolulu

Theme Stores Inc Honolulu

This Week Publications Honolulu

Thyssen Krupp Elevator Honolulu

Tiare Enterprises Honolulu

Tiffany' s Restaurant Honolulu

Tihati Productions, Ltd. Honolulu

Time Warner Cablevision Honolulu

Tony Group Body Shop Waipahu

Tony Group, Inc. Waipahu

Tony Honda Waipahu

Tony Motors Inc. Waipahu

Tony Nissan Waipahu

Top of Waikiki Honolulu

Torkildson, Katz Honolulu

Towill, Shigeoka & Associates , Inc. Honolulu

Trans Quality, Inc. Honolulu


Trans-Ocean Sales Factors, Inc. HonoluluTravel Impressions Hawaii Honolulu

Travel Plaza, LLC Honolulu

Tree People Honolulu

Tri-Dent Services Inc. HonoluluTri-L Data Systems Inc. WaipahuTsuruya Noodle Shop HonoluluTwenty-One Twenty-One(2121)Ala Wai HonoluluU.S. Pacific Construction, Inc. HonoluluU-Med HonoluluUni-Check HonoluluUnited Recapping Company, Ltd. HonoluluUniversal Worldwide Trading Co, Inc. Honolulu

University Health Alliance Honolulu

Urban Works, Inc. Honolulu

Vaa's Service Honolulu

VeriFone, Inc. Mililani

Verizon Federal Honolulu

Village Flowers Honolulu

VingCard Elsafe Honolulu

WE. Denison Corporation Honolulu

Waialae Country Club Honolulu

Waikele Premium Outlest Waipahu

Waikiki Beach Marriott Resort Honolulu

Waikiki Business Plaza, Inc. Honolulu

Waikiki Community Center Honolulu

Waikiki Gateway Hotel Honolulu

Waikiki Health Center Honolulu .

Waikiki Lau Yee Chai Honolulu

Waikiki Park Heights Honolulu

Waikiki Parkside Hotel Honolulu

Waikiki Sand Villa (Principle Hotels) Honolulu

Waikiki Shopping Plaza, Ltd. Honolulu

Waikiki Trader Corp. Aiea

Waikiki Trader on Maui Lahaina

Waikiki Trolley Honolulu

Wailea Resort Honolulu

Waimanalo Teen Project Waimanalo

Waimea Country Lodge Aiea

Waimea Plantation Cottages Honolulu

Waimea Valley Adventure Park Haleiwa


Waipuna Condominium A.O.A.O.Walters, Kimura, Motoda, Inc.Waterhouse, Inc.Watumull Brothers, Ltd.Watumull Enterprises, Ltd.Wave WaikikiWelding Industries Inc.Wells Fargo Home MortgageWest Oahu Realty Inc.Westaff of HawaiiWestern Pacific Management CorporationWestern Pacific Mgmt. (salary)Window WorldWireless AdvocatesWong, Oshima, & KondoWorld Class Conferencing, Inc.WSC CorporationXception, Ltd.Y. Fukunaga Products, Ltd.Y. Hata & Co., Ltd.Yacht Harbor Tower A.O.A.O.Yami YogurtYMCAY-N, Inc.YWCAYWCA of OahuZ-Interiors/FurniturelandZippy' s, Inc.

HonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonoluluHonolulu

Members of records of Hawaii Central Credit Union as of the effective date of its conversionto a federal charter on December 16, 2010.


Spouses of persons who died while within the field of membership of this credit union;

employees of this credit union; persons retired as pensioners or annuitants from the above

employment; volunteers; members of their immediate families or households; organizations of

such persons; and corporate or other legal entities in this charter."

(UNDERSCORED PORTIONS REPRESENT CHANGES)

AND WHEREAS , the amendment is in the best interests of the members and is not

inconsistent with Law, NOW, THEREFORE, pursuant to the provision of the Federal Credit

Union Act, the foregoing submitted amendment of the charter of the above Federal credit

union is hereby approved subject to the adoption by the board of directors in accordance with

the Federal Credit Union Bylaws . A copy of the Board Resolution and this certificate must be

filed with the credit union's charter and bylaws.

December 16, 2010Date of Approval

By: A• uaJ '

Elizabeii A. WhiteheadRegional Director

form 990 returnoforganization exemptfromincometax...

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