Civic Intelligence

Guco Credit Union

EIN 23-7056307 • 501(c)14 • Greenville, NC

View Organization Page

Profile

Guco credit union is a not for profit financial cooperative that serves its members by offering deposit accounts and loans at reasonable rates.

523 Evans StreetGreenville, NC 27858
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

37th percentile

0.82x

Higher debt load relative to assets than 37% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

48th percentile

14.54x

Higher debt load relative to revenue than 48% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Net Margin

62nd percentile

6.6%

Higher net margin than 62% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

18th percentile

$0

Higher top officer pay than 18% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Asset Growth

57th percentile

0.1%

Faster asset growth than 57% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

71st percentile

12%

Faster revenue growth than 71% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets37th percentile

Assets

Up

$12,976,273

Up $34,769 (+0.3%) from 2021

Liabilities

Up

$11,169,099

Up $46,124 (+0.4%) from 2021

Net Assets

Down

$1,807,174

Down $11,355 (-0.6%) from 2021

Operations
Liabilities / Revenue48th percentileNet Margin62nd percentile

Revenue

Down

$353,214

Down $31,424 (-8.2%) from 2021

Expenses

Down

$364,569

Down $9,829 (-2.6%) from 2021

Net Income

Down

-$11,355

Down $21,595 (-211%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2011: $12,621,967Liabilities 2011: $11,141,396Net Assets 2011: $1,480,5712011Assets 2013: $13,090,898Liabilities 2013: $11,488,157Net Assets 2013: $1,602,7412013Assets 2014: $13,069,441Liabilities 2014: $11,443,184Net Assets 2014: $1,626,2572014Assets 2015: $12,800,152Liabilities 2015: $11,144,450Net Assets 2015: $1,655,7022015Assets 2017: $12,968,048Liabilities 2017: $11,287,273Net Assets 2017: $1,680,7752017Assets 2018: $12,036,952Liabilities 2018: $10,336,579Net Assets 2018: $1,700,3732018Assets 2019: $11,395,214Liabilities 2019: $9,624,095Net Assets 2019: $1,771,1192019Assets 2020: $12,262,018Liabilities 2020: $10,453,729Net Assets 2020: $1,808,2892020Assets 2021: $12,941,504Liabilities 2021: $11,122,975Net Assets 2021: $1,818,5292021Assets 2022: $12,976,273Liabilities 2022: $11,169,099Net Assets 2022: $1,807,1742022

Highlighted filing

2022

Assets$12,976,273
Liabilities$11,169,099
Net Assets$1,807,174
Open 2022 Filing

Operations Trend

Revenue Growth71st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KExpenses 2011: $491,6582011Revenue 2013: $475,699Expenses 2013: $433,473Net Income 2013: $42,2262013Revenue 2014: $441,221Expenses 2014: $417,704Net Income 2014: $23,5172014Revenue 2015: $431,085Expenses 2015: $401,640Net Income 2015: $29,4452015Revenue 2017: $420,603Expenses 2017: $413,489Net Income 2017: $7,1142017Revenue 2018: $442,318Expenses 2018: $422,720Net Income 2018: $19,5982018Revenue 2019: $467,388Expenses 2019: $396,642Net Income 2019: $70,7462019Revenue 2020: $439,174Expenses 2020: $402,004Net Income 2020: $37,1702020Revenue 2021: $384,638Expenses 2021: $374,398Net Income 2021: $10,2402021Revenue 2022: $353,214Expenses 2022: $364,569Net Income 2022: -$11,3552022

Highlighted filing

2022

Revenue$353,214
Expenses$364,569
Net Income-$11,355
Open 2022 Filing

Filings

Most recent year

2022 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$12,976,273
Liabilities
$11,169,099
Net assets
$1,807,174
Revenue
$353,214
Expenses
$364,569
Net income
-$11,355
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.0$11.2$1.81$0.35$0.36$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.9$11.1$1.82$0.38$0.37$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.3$10.5$1.81$0.44$0.40$0.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.4$9.62$1.77$0.47$0.40$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.0$10.3$1.70$0.44$0.42$0.02
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.0$11.3$1.68$0.42$0.41$0.01
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.8$11.1$1.66$0.43$0.40$0.03
2014Detailed filing. Detailed filing data is available for this year.$13.1$11.4$1.63$0.44$0.42$0.02
2013Detailed filing. Detailed filing data is available for this year.$13.1$11.5$1.60$0.48$0.43$0.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.6$11.1$1.48$0.49
Latest Detailed Filing

The latest 2022 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2014 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jun 3, 2015
Return Version
2014v5.0
Gross Receipts
$441,221
Mission and Program Overview

Mission

GUCO Credit Union is a not for profit financial cooperative that serves its members by offering deposit accounts and loans at reasonable rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$6,728,083$7,094,083▲ $366,000
Other Notes and Loans Receivable, Net$5,826,532$5,528,245▼ $298,287
Rtn Earn Endowment Incm Other Fnds$1,602,740$1,626,257▲ $23,517
Cash and Non-Interest-Bearing Accounts$369,390$289,002▼ $80,388
Prepaid Expenses and Deferred Charges$146,389$144,549▼ $1,840
Land, Buildings, and Equipment, Net$20,504$13,562▼ $6,942
Total Assets$13,090,898$13,069,441▼ $21,457
Liabilities
Other Liabilities$11,479,327$11,432,612▼ $46,715
Accounts Payable and Accrued Expenses$8,831$10,572▲ $1,741
Total Liabilities$11,488,158$11,443,184▼ $44,974
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,602,740$1,626,257▲ $23,517
Total Liabilities and Net Assets / Fund Balance$13,090,898$13,069,441▼ $21,457

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$13,562--
Compensation and Service Providers
Top Officer Pay18th percentile

Board Members and Trustees

NameTitle
Tony L SmartPresident
Janet V DrinnonVice-president
Bernita DemeryDirector
Lambert GarrisDirector
J Scott MullisSecretarytreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$366,102
Investment Income
$75,119
Other Revenue
$0
Change in Net Assets
$23,517
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$235,802
Salaries, Compensation, and Employee Benefits$171,766
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$121,830--$121,830
Interest$93,214--$93,214
Office Expenses$77,447--$77,447
Other Employee Benefits$31,579--$31,579
Occupancy$22,917--$22,917
Other Expenses$22,175--$22,175
Pension Plan Contributions$18,357--$18,357
Benefits to Members$10,136--$10,136
Fees for Services Accounting$7,850--$7,850
Travel$199--$199
Total Functional Expenses$417,704$0$0$417,704
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Section B

“11b - all of the directors of the credit union review form 990 along with all supporting documents materials and financials. The board of directors ask questions and approves the filing of form 990once all questions are answered. 15b - the position of credit union manager is reviewed on an annual basis. The last review was 2014. The board of directors discuss and review industry salary data cost of living indexes performance of individual and other information as needed.”

Part VI Section C

“18 - form 990 and any other documents are av available upon request. 19 - financial statements are on public display at all times. Guco credit union is a member-owned and controlled financial services cooperative. Our mission is to meet members' financial needs through quality services at the best value while maintaining financial stability.”

Filing and Contact Details

Filer

Filer Name
Guco Credit Union
EIN
23-7056307
Address
523 EVANS STREET, GREENVILLE, NC 27858

Signing Officer

Name
Timothy Lineberry
Title
General Managerceo
Phone
2525511599
Signed
2015-06-03

Organization Details

Principal Officer
Timothy Lineberry
Formed
1970
Legal Domicile
Nc
Voting Board Members
5
Independent Board Members
5
Employees
2
Raw XML Appendix291 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0true
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt08831
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt010572
IRS990/AcctCompileOrReviewBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityCd0522130
IRS990/ActivityOrMissionDesc0GUCO CREDIT UNION IS A NOT FOR PROFIT FINANCIAL COOPERATIVE THAT SERVES ITS MEMBERS BY OFFERING DEPOSIT ACCOUNTS AND LOANS AT REASONABLE RATES.
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/AuditCommitteeInd0true
IRS990/BenefitsToMembersGrp/ProgramServicesAmt010136
IRS990/BenefitsToMembersGrp/TotalAmt010136
IRS990/BooksInCareOfDetail/PersonNm0J SCOTT MULLIS
IRS990/BooksInCareOfDetail/PhoneNum02525511599
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0523 EVANS STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0GREENVILLE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990/BooksInCareOfDetail/USAddress/ZIPCd027858
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0369390
IRS990/CashNonInterestBearingGrp/EOYAmt0289002
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt010136
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt075119
IRS990/CYOtherExpensesAmt0235802
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0366102
IRS990/CYRevenuesLessExpensesAmt023517
IRS990/CYSalariesCompEmpBnftPaidAmt0171766
IRS990/CYTotalExpensesAmt0417704
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0441221
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0GUCO CREDIT UNION IS A NOT FOR PROFIT FINANCIAL COOPERATVE THAT SERVES ITS MEMBERS BY OFFERING DEPOSIT ACCOUNTS AND LOANS AT REASONABLE RATES.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt07850
IRS990/FeesForServicesAccountingGrp/TotalAmt07850
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt05
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt15
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt210
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt35
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt45
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/PersonNm0TONY L SMART
IRS990/Form990PartVIISectionAGrp/PersonNm1JANET V DRINNON
IRS990/Form990PartVIISectionAGrp/PersonNm2J SCOTT MULLIS
IRS990/Form990PartVIISectionAGrp/PersonNm3LAMBERT GARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm4BERNITA DEMERY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE-PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARYTREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01970
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0441221
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InterestGrp/ProgramServicesAmt093214
IRS990/InterestGrp/TotalAmt093214
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt075119
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt020504
IRS990/LandBldgEquipBasisNetGrp/EOYAmt013562
IRS990/LandBldgEquipCostOrOtherBssAmt013562
IRS990/LegalDomicileStateCd0NC
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0GUCO CREDIT UNION IS A NOT FOR PROFIT FINANCIAL COOPERATIVE THAT SERVES ITS MEMBERS BY OFFERING DEPOSIT ACCOUNTS AND LOANS AT REASONABLE RATES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01602740
IRS990/NetAssetsOrFundBalancesEOYAmt01626257
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt022917
IRS990/OccupancyGrp/TotalAmt022917
IRS990/OfficeExpensesGrp/ProgramServicesAmt077447
IRS990/OfficeExpensesGrp/TotalAmt077447
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt031579
IRS990/OtherEmployeeBenefitsGrp/TotalAmt031579
IRS990/OtherExpensesGrp/Desc0LOAN LOSS PROVISION
IRS990/OtherExpensesGrp/Desc1MISC EXPENSE
IRS990/OtherExpensesGrp/ProgramServicesAmt012000
IRS990/OtherExpensesGrp/ProgramServicesAmt122175
IRS990/OtherExpensesGrp/TotalAmt012000
IRS990/OtherExpensesGrp/TotalAmt122175
IRS990/OtherLiabilitiesGrp/BOYAmt011479327
IRS990/OtherLiabilitiesGrp/EOYAmt011432612
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0121830
IRS990/OtherSalariesAndWagesGrp/TotalAmt0121830
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt05826532
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05528245
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt018357
IRS990/PensionPlanContributionsGrp/TotalAmt018357
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0146389
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0144549
IRS990/PrincipalOfficerNm0TIMOTHY LINEBERRY
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0356132
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt19970
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYTotalRevenueAmt00
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt023517
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01602740
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01626257
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06728083
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07094083
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt013562
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt013562
IRS990ScheduleD/TotalBookValueLandBuildingsAmt013562
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt049041
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt13488
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt222354
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VEHICLE PURCHASE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1PERSONAL LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2VEHICLE PURCHASE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanToOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt053168
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt242012
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0TONY L SMART
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1LAMBERT GARRIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BERNITA DEMERY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt011B - ALL OF THE DIRECTORS OF THE CREDIT UNION REVIEW FORM 990 ALONG WITH ALL SUPPORTING DOCUMENTS MATERIALS AND FINANCIALS. THE BOARD OF DIRECTORS ASK QUESTIONS AND APPROVES THE FILING OF FORM 990ONCE ALL QUESTIONS ARE ANSWERED. 15B - THE POSITION OF CREDIT UNION MANAGER IS REVIEWED ON AN ANNUAL BASIS. THE LAST REVIEW WAS 2014. THE BOARD OF DIRECTORS DISCUSS AND REVIEW INDUSTRY SALARY DATA COST OF LIVING INDEXES PERFORMANCE OF INDIVIDUAL AND OTHER INFORMATION AS NEEDED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt118 - FORM 990 AND ANY OTHER DOCUMENTS ARE AV AVAILABLE UPON REQUEST. 19 - FINANCIAL STATEMENTS ARE ON PUBLIC DISPLAY AT ALL TIMES. GUCO CREDIT UNION IS A MEMBER-OWNED AND CONTROLLED FINANCIAL SERVICES COOPERATIVE. OUR MISSION IS TO MEET MEMBERS' FINANCIAL NEEDS THROUGH QUALITY SERVICES AT THE BEST VALUE WHILE MAINTAINING FINANCIAL STABILITY.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0PART VI SECTION B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1PART VI SECTION C
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt013090898
IRS990/TotalAssetsEOYAmt013069441
IRS990/TotalAssetsGrp/BOYAmt013090898
IRS990/TotalAssetsGrp/EOYAmt013069441
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0417704
IRS990/TotalFunctionalExpensesGrp/TotalAmt0417704
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt011488158
IRS990/TotalLiabilitiesEOYAmt011443184
IRS990/TotalLiabilitiesGrp/BOYAmt011488158
IRS990/TotalLiabilitiesGrp/EOYAmt011443184
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01602740
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01626257
IRS990/TotalProgramServiceRevenueAmt0366102
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0441221
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013090898
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013069441
IRS990/TravelGrp/ProgramServicesAmt0199
IRS990/TravelGrp/TotalAmt0199
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/PersonNm0TIMOTHY LINEBERRY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0GENERAL MANAGERCEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02525511599
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-06-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GUCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0GUCO
ReturnHeader/Filer/EIN0237056307
ReturnHeader/Filer/USAddress/AddressLine1Txt0523 EVANS STREET
ReturnHeader/Filer/USAddress/CityNm0GREENVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd027858
ReturnHeader/ReturnTs02015-06-03T14:48:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)14 • $5M-$10M nonprofits