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        <Desc>INSURANCE</Desc>
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      <OtherExpensesGrp>
        <Desc>CHARITABLE CONTRIBUTIONS</Desc>
        <TotalAmt>16247</TotalAmt>
        <ProgramServicesAmt>16247</ProgramServicesAmt>
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        <Desc>MISCELLANEOUS</Desc>
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        <ProgramServicesAmt>14950</ProgramServicesAmt>
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      <AllOtherExpensesGrp>
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        <ProgramServicesAmt>3213055</ProgramServicesAmt>
        <ManagementAndGeneralAmt>117664</ManagementAndGeneralAmt>
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        <EOYAmt>12644186</EOYAmt>
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      <OtherLiabilitiesGrp>
        <BOYAmt>145938</BOYAmt>
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      <TotalLiabilitiesGrp>
        <BOYAmt>145938</BOYAmt>
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      <OrganizationFollowsFASB117Ind>X</OrganizationFollowsFASB117Ind>
      <NoDonorRestrictionNetAssetsGrp>
        <BOYAmt>10060689</BOYAmt>
        <EOYAmt>12573795</EOYAmt>
      </NoDonorRestrictionNetAssetsGrp>
      <TotalNetAssetsFundBalanceGrp>
        <BOYAmt>10060689</BOYAmt>
        <EOYAmt>12573795</EOYAmt>
      </TotalNetAssetsFundBalanceGrp>
      <TotLiabNetAssetsFundBalanceGrp>
        <BOYAmt>10206627</BOYAmt>
        <EOYAmt>12644186</EOYAmt>
      </TotLiabNetAssetsFundBalanceGrp>
      <ReconcilationRevenueExpnssAmt>1493092</ReconcilationRevenueExpnssAmt>
      <NetUnrlzdGainsLossesInvstAmt>1020014</NetUnrlzdGainsLossesInvstAmt>
      <MethodOfAccountingAccrualInd>X</MethodOfAccountingAccrualInd>
      <AccountantCompileOrReviewInd>true</AccountantCompileOrReviewInd>
      <AcctCompileOrReviewBasisGrp>
        <SeparateBasisFinclStmtInd>X</SeparateBasisFinclStmtInd>
      </AcctCompileOrReviewBasisGrp>
      <FSAuditedInd>false</FSAuditedInd>
      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
    </IRS990>
    <IRS990ScheduleC documentId="RetDoc3">
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      <Expended527ActivitiesAmt>3283</Expended527ActivitiesAmt>
      <TotalExemptFunctionExpendAmt>3283</TotalExemptFunctionExpendAmt>
      <Form1120POLFiledInd>true</Form1120POLFiledInd>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>SCHEDULE C, PART I-A, LINE 1</FormAndLineReferenceDesc>
        <ExplanationTxt>POLITICAL CONTRIBUTIONS RELATED TO THE ORGANIZATION'S EXEMPT PURPOSE.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleC>
    <IRS990ScheduleD documentId="RetDoc4">
      <LandGrp>
        <OtherCostOrOtherBasisAmt>10000</OtherCostOrOtherBasisAmt>
        <BookValueAmt>10000</BookValueAmt>
      </LandGrp>
      <BuildingsGrp>
        <OtherCostOrOtherBasisAmt>127900</OtherCostOrOtherBasisAmt>
        <DepreciationAmt>123220</DepreciationAmt>
        <BookValueAmt>4680</BookValueAmt>
      </BuildingsGrp>
      <EquipmentGrp>
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        <DepreciationAmt>49754</DepreciationAmt>
        <BookValueAmt>3895</BookValueAmt>
      </EquipmentGrp>
      <TotalBookValueLandBuildingsAmt>18575</TotalBookValueLandBuildingsAmt>
      <OtherAssetsOrgGrp>
        <Desc>PENSION PLAN - MS, BIG INV, &amp; M&amp;T</Desc>
        <BookValueAmt>9201076</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>CERTIFICATES OF DEPOSIT</Desc>
        <BookValueAmt>495904</BookValueAmt>
      </OtherAssetsOrgGrp>
      <OtherAssetsOrgGrp>
        <Desc>MEMBERS LIFE INSURANCE TRUST</Desc>
        <BookValueAmt>190778</BookValueAmt>
      </OtherAssetsOrgGrp>
      <TotalBookValueOtherAssetsAmt>9887758</TotalBookValueOtherAssetsAmt>
      <OtherLiabilitiesOrgGrp>
        <Desc>WORKERS COMPENSATION LIABILITY</Desc>
        <Amt>37533</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>MEMBERS' PREPAID INSURANCE</Desc>
        <Amt>30370</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>RETIREMENT PLAN CONTRIBUTION PAYABLE</Desc>
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      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>INCOME TAXES PAYABLE (1120-POL)</Desc>
        <Amt>668</Amt>
      </OtherLiabilitiesOrgGrp>
      <OtherLiabilitiesOrgGrp>
        <Desc>PAYROLL TAX LIABILITY</Desc>
        <Amt>246</Amt>
      </OtherLiabilitiesOrgGrp>
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      <TotalRevEtcAuditedFinclStmtAmt>5776971</TotalRevEtcAuditedFinclStmtAmt>
      <NetUnrealizedGainsInvstAmt>1020014</NetUnrealizedGainsInvstAmt>
      <RevenueNotReportedAmt>1020014</RevenueNotReportedAmt>
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      <InvestmentExpensesNotIncldAmt>66854</InvestmentExpensesNotIncldAmt>
      <RevenueNotReportedFinclStmtAmt>66854</RevenueNotReportedFinclStmtAmt>
      <TotalRevenuePerForm990Amt>4823811</TotalRevenuePerForm990Amt>
      <TotExpnsEtcAuditedFinclStmtAmt>3263865</TotExpnsEtcAuditedFinclStmtAmt>
      <ExpensesSubtotalAmt>3263865</ExpensesSubtotalAmt>
      <InvestmentExpensesNotIncld2Amt>66854</InvestmentExpensesNotIncld2Amt>
      <ExpensesNotRptFinclStmtAmt>66854</ExpensesNotRptFinclStmtAmt>
      <TotalExpensesPerForm990Amt>3330719</TotalExpensesPerForm990Amt>
    </IRS990ScheduleD>
    <IRS990ScheduleO documentId="RetDoc5">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 11B</FormAndLineReferenceDesc>
        <ExplanationTxt>THE 990 IS REVIEWED AND APPROVED BY THE EXECUTIVE DIRECTOR.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 15A</FormAndLineReferenceDesc>
        <ExplanationTxt>THE PREVIOUS EXECUTIVE DIRECTOR'S SALARY WAS SHOPPED WITH COMPETITIVE DATA SEVERAL YEARS AGO. THE NEW EXECUTIVE DIRECTOR WAS HIRED JUST BELOW THIS DATA. ANUAL REVIEWS ARE DONE AROUND APRIL AT WHICH TIME THE BOARD MAY OR MAY NOT DECIDE TO GIVE A RAISE BASED ON THE EXECUTIVE DIRECTOR'S PERFORMANCE, THE ORGANIZATION'S PERFORMANCE, AND OTHER FACTORS.</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990, PAGE 6, PART VI, LINE 19</FormAndLineReferenceDesc>
        <ExplanationTxt>AVAILABLE UPON REQUEST AND APPROVAL OF THE BOARD.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>