Civic Intelligence

Emory Alliance Credit Union

EIN 23-7089505 • 501(c)14 • Decatur, GA

Profile

The mission of Emory Alliance Credit Union is to focus on members as its number one priority by providing competitive, convenient, and quality financial products, and to provide a rewarding experience for members and employees while maintaining fiscal soundness.

1237 Clairmont RoadDecatur, GA 30030

emoryacu.com

Siviq Scores

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

Liabilities / Assets

2nd percentile

0.01x

Higher debt load relative to assets than 2% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2021

Liabilities / Revenue

4th percentile

0.27x

Higher debt load relative to revenue than 4% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2021

Net Margin

22nd percentile

4.1%

Higher net margin than 22% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2021

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

94th percentile

12%

Faster asset growth than 94% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2020 to 2021

Revenue Growth

15th percentile

3.1%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets2nd percentile

Assets

Down

$0

Down $209,660,944 (-100%) from 2021

Liabilities

Down

$0

Down $2,047,299 (-100%) from 2021

Net Assets

Down

$0

Down $207,613,645 (-100%) from 2021

Operations
Liabilities / Revenue4th percentileNet Margin22nd percentile

Revenue

Up

$8,484,479

Up $960,203 (+13%) from 2021

Expenses

Up

$9,825,320

Up $2,612,402 (+36%) from 2021

Net Income

Down

-$1,340,841

Down $1,652,199 (-531%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth94th percentile

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

$300M$200M$100M$0Assets 2010: $122,862,173Liabilities 2010: $1,035,736Net Assets 2010: $121,826,4372010Assets 2011: $129,915,323Liabilities 2011: $1,930,440Net Assets 2011: $127,984,8832011Assets 2012: $136,033,836Liabilities 2012: $2,140,616Net Assets 2012: $133,893,2202012Assets 2013: $132,355,945Liabilities 2013: $2,479,983Net Assets 2013: $129,875,9622013Assets 2014: $133,701,752Liabilities 2014: $1,575,964Net Assets 2014: $132,125,7882014Assets 2015: $136,830,303Liabilities 2015: $1,762,686Net Assets 2015: $135,067,6172015Assets 2016: $148,015,954Liabilities 2016: $2,458,738Net Assets 2016: $145,557,2162016Assets 2017: $153,077,928Liabilities 2017: $2,779,667Net Assets 2017: $150,298,2612017Assets 2018: $156,100,773Liabilities 2018: $2,648,195Net Assets 2018: $153,452,5782018Assets 2019: $157,145,099Liabilities 2019: $2,417,039Net Assets 2019: $154,728,0602019Assets 2020: $187,881,837Liabilities 2020: $2,985,088Net Assets 2020: $184,896,7492020Assets 2021: $209,660,944Liabilities 2021: $2,047,299Net Assets 2021: $207,613,6452021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2022

Assets$0
Liabilities$0
Net Assets$0
Open 2022 Filing

Operations Trend

Revenue Growth15th percentile

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $6,218,2522010Expenses 2011: $5,784,9872011Expenses 2012: $5,491,3412012Revenue 2013: $5,731,723Expenses 2013: $5,241,148Net Income 2013: $490,5752013Revenue 2014: $5,888,374Expenses 2014: $5,631,325Net Income 2014: $257,0492014Revenue 2015: $6,169,753Expenses 2015: $5,624,215Net Income 2015: $545,5382015Revenue 2016: $6,512,930Expenses 2016: $5,812,409Net Income 2016: $700,5212016Revenue 2017: $6,853,285Expenses 2017: $6,305,056Net Income 2017: $548,2292017Revenue 2018: $7,720,283Expenses 2018: $7,421,753Net Income 2018: $298,5302018Revenue 2019: $10,533,695Expenses 2019: $7,818,007Net Income 2019: $2,715,6882019Revenue 2020: $7,301,128Expenses 2020: $7,768,476Net Income 2020: -$467,3482020Revenue 2021: $7,524,276Expenses 2021: $7,212,918Net Income 2021: $311,3582021Revenue 2022: $8,484,479Expenses 2022: $9,825,320Net Income 2022: -$1,340,8412022

Highlighted filing

2022

Revenue$8,484,479
Expenses$9,825,320
Net Income-$1,340,841
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
$0
Liabilities
$0
Net assets
$0
Revenue
$8,484,479
Expenses
$9,825,320
Net income
-$1,340,841
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$8.48$9.83$1.34
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$210$2.05$208$7.52$7.21$0.31
2020Detailed filing. Detailed filing data is available for this year.$188$2.99$185$7.30$7.77$0.47
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$157$2.42$155$10.5$7.82$2.72
2018Detailed filing. Detailed filing data is available for this year.$156$2.65$153$7.72$7.42$0.30
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$153$2.78$150$6.85$6.31$0.55
2016Detailed filing. Detailed filing data is available for this year.$148$2.46$146$6.51$5.81$0.70
2015Detailed filing. Detailed filing data is available for this year.$137$1.76$135$6.17$5.62$0.55
2014Detailed filing. Detailed filing data is available for this year.$134$1.58$132$5.89$5.63$0.26
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$132$2.48$130$5.73$5.24$0.49
2012XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$136$2.14$134$5.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$1.93$128$5.78
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$123$1.04$122$6.22
Latest Detailed Filing

The latest 2022 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Mar 30, 2021
Return Version
2020v4.0
Gross Receipts
$7,301,128
Mission and Program Overview

Mission

As a leading non-profit financial cooperative, our purpose is to provide high quality, low cost financial services for our members. We are dedicated to improving the financial well-being of our member community through engagement, service, education, outreach, and charity.

As a leading non-profit financial cooperative, our purpose is to provide high quality, low cost financial services for our members. We are dedicated to improving the financial well-being of our member community through engagement, service, education, outreach and charity.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$139,781,888$169,977,322▲ $30,195,434
Other Notes and Loans Receivable, Net$101,014,382$115,284,835▲ $14,270,453
Investments in Publicly Traded Securities$27,831,522$34,760,416▲ $6,928,894
Savings and Temporary Cash Investments$21,718,834$29,819,499▲ $8,100,665
Rtn Earn Endowment Incm Other Fnds$14,946,172$14,919,427▼ $26,745
Cash and Non-Interest-Bearing Accounts$1,386,292$2,196,998▲ $810,706
Investments Program Related$1,523,788$1,678,584▲ $154,796
Accounts Receivable$754,039$1,487,307▲ $733,268
Land, Buildings, and Equipment, Net$696,525$642,924▼ $53,601
Prepaid Expenses and Deferred Charges$655,358$385,619▼ $269,739
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$157,145,099$187,881,837▲ $30,736,738
Other Assets Total$1,564,359$1,625,655▲ $61,296
Liabilities
Accounts Payable and Accrued Expenses$2,417,039$2,985,088▲ $568,049
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$2,417,039$2,985,088▲ $568,049
Net Assets / Fund Balance
Total Net Assets Fund Balance$154,728,060$184,896,749▲ $30,168,689
Total Liabilities and Net Assets / Fund Balance$157,145,099$187,881,837▲ $30,736,738

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$213,849$2,453,369$2,667,218
Leasehold Improvements$429,075$175,423$604,498
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$0-$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Chris CulbersonPresidentFT$187,000$28,025$215,025
Michael ButtsMember Financial Service SpcFT$129,761$17,096$146,857

Board Members and Trustees

NameTitle
David ThurstonChair of the Board
Joanna GreenVice Chair of the Board
Audrey Phillips-TurnerBoard Member
Beverly CormicanBoard Member
Deepa PawateBoard Member
Jon W WollenzienBoard Member
Joseph DeeBoard Member
Lisa UnderwoodBoard Member
Roland WitterBoard Member
Heather MuggBoard Secretary
Jose G RodriguezTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Emory UniversityPayroll Serivces101 Boisfeuillet Jones Center, Atlanta, GA 30322$361,841
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,557,658
Investment Income
$743,470
Other Revenue
$0
Change in Net Assets
$-467,348

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,301,128
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$7,301,128
Total Revenue per Form 990
$7,301,128
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,592,049
Salaries, Compensation, and Employee Benefits$3,176,427
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,726,591
Other Expenses---$1,461,917
Information Technology---$1,027,927
Office Expenses---$731,155
Current Officers, Directors, Trustees, and Key Employees---$705,227
Pension Plan Contributions---$501,289
Fees for Services Accounting---$438,439
Occupancy---$231,256
Payroll Taxes---$186,034
Advertising---$182,029
Depreciation Depletion---$166,531
Other Employee Benefits---$57,286
Interest---$49,303
Insurance---$48,630
Fees for Services Legal---$43,182
Fees for Services Management---$29,389
Fees for Services Other---$27,432
Conferences and Meetings---$6,868
Total Functional Expenses$0$0$0$7,768,476

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$7,768,476
Total Expenses per Audited Statements$7,768,476
Total Expenses per Form 990$7,768,476
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Anyone who is eligible to open a savings account and deposit $5 becomes a member of the credit union. As of December 31, 2020, the credit union had 18,127 members.”

Form 990, Part VI, Section A, Line 7A

“Members of the credit union elect members of the governing body, the Board of Directors, each April during the annual meeting.”

Form 990, Part VI, Section B, Line 11B

“A copy of the Form 990 is provided to the credit union's Executive Committee for its review before the return is filed.”

Form 990, Part VI, Section B, Line 12C

“Everyone is required to fill out the disclosure form annually. The Compliance Officer checks periodically.”

Form 990, Part VI, Section B, Line 15

“To determine the compensation for the president, the Board of Directors conducts performance review, researches industry data, decides, and approves the compensation and any raises. To determine the compensation for top management officials, the president conducts performance reviews and decide the compensation and any raises.”

Form 990, Part VI, Section C, Line 19

“The credit union posts its financial statements at each branch. Members can make request to review other documents as well.”

Filing and Contact Details

Filer

Filer Name
Emory Alliance Credit Union
EIN
23-7089505
Phone
4043296415
Address
1237 Clairmont Road, Decatur, GA 30030

Signing Officer

Name
Michelle Zhang
Title
CFO
Phone
4044864342
Signed
2021-03-30

Organization Details

Principal Officer
Chris Culberson
Formed
2007
Legal Domicile
Ga
Voting Board Members
11
Independent Board Members
11
Employees
40
Volunteers
15
Supplemental Narrative

Additional Explanations

Form 990, Part V, Line 3B

“990T will be filed right after the filing of 990”

Form 990, Part XI, Line 9

“The other changes in net assets was the result of $30,195,435 member deposit growth, $440,602 of unrealized gain in the available for sale investment portfolio.”

Raw XML AppendixShowing 400 of 538 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02417039
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt02985088
IRS990/AccountsReceivableGrp/BOYAmt0754039
IRS990/AccountsReceivableGrp/EOYAmt01487307
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0As a leading non-profit financial cooperative, our purpose is to provide high quality, low cost financial services for our members. We are dedicated to improving the financial well-being of our member community through engagement, service, education, outreach and charity.
IRS990/AdvertisingGrp/TotalAmt0182029
IRS990/AllOtherExpensesGrp/TotalAmt00
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd00
IRS990/BooksInCareOfDetail/PersonNm0Michelle Zhang
IRS990/BooksInCareOfDetail/PhoneNum04044864342
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01237 Clairmont Road
IRS990/BooksInCareOfDetail/USAddress/CityNm0Decatur
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd030030
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0139781888
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0169977322
IRS990/CashNonInterestBearingGrp/BOYAmt01386292
IRS990/CashNonInterestBearingGrp/EOYAmt02196998
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0705227
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt06868
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0361841
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0101 Boisfeuillet Jones Center
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Atlanta
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd030322
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Emory University
IRS990/ContractorCompensationGrp/ServicesDesc0Payroll Serivces
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0743470
IRS990/CYOtherExpensesAmt04592049
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt06557658
IRS990/CYRevenuesLessExpensesAmt0-467348
IRS990/CYSalariesCompEmpBnftPaidAmt03176427
IRS990/CYTotalExpensesAmt07768476
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07301128
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0166531
IRS990/Desc0Served more than eighteen thousand members during the year by offering favorable dividend rates on savings and attracted over one hundred seventy million dollars in member deposits.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt040
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt01677242
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt0438439
IRS990/FeesForServicesLegalGrp/TotalAmt043182
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt029389
IRS990/FeesForServicesOtherGrp/TotalAmt027432
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt050
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt92
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt102
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt112
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt122
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt028025
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt117096
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0Chris Culberson
IRS990/Form990PartVIISectionAGrp/PersonNm1Michael Butts
IRS990/Form990PartVIISectionAGrp/PersonNm2Deepa Pawate
IRS990/Form990PartVIISectionAGrp/PersonNm3Heather Mugg
IRS990/Form990PartVIISectionAGrp/PersonNm4Beverly Cormican
IRS990/Form990PartVIISectionAGrp/PersonNm5Joanna Green
IRS990/Form990PartVIISectionAGrp/PersonNm6David Thurston
IRS990/Form990PartVIISectionAGrp/PersonNm7Jose G Rodriguez
IRS990/Form990PartVIISectionAGrp/PersonNm8Lisa Underwood
IRS990/Form990PartVIISectionAGrp/PersonNm9Roland Witter
IRS990/Form990PartVIISectionAGrp/PersonNm10Jon W Wollenzien
IRS990/Form990PartVIISectionAGrp/PersonNm11Joseph Dee
IRS990/Form990PartVIISectionAGrp/PersonNm12Audrey Phillips-Turner
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0187000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1129761
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Member Financial Service Spc
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice Chair of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt6Chair of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt7Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt11Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt12Board Member
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd00
IRS990/FormationYr02007
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IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt07301128
IRS990/GroupExemptionNum03804
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt01027927
IRS990/InsuranceGrp/TotalAmt048630
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt049303
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
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IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0743470
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IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
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IRS990/InvestmentsProgramRelatedGrp/EOYAmt01678584
IRS990/InvestmentsPubTradedSecGrp/BOYAmt027831522
IRS990/InvestmentsPubTradedSecGrp/EOYAmt034760416
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02628792
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0696525
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0642924
IRS990/LandBldgEquipCostOrOtherBssAmt03271716
IRS990/LegalDomicileStateCd0GA
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IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
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IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0As a leading non-profit financial cooperative, our purpose is to provide high quality, low cost financial services for our members. We are dedicated to improving the financial well-being of our member community through engagement, service, education, outreach, and charity.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
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IRS990/NetAssetsOrFundBalancesEOYAmt0184896749
IRS990/NetUnrelatedBusTxblIncmAmt0-111407
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0231256
IRS990/OfficeExpensesGrp/TotalAmt0731155
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01564359
IRS990/OtherAssetsTotalGrp/EOYAmt01625655
IRS990/OtherChangesInNetAssetsAmt030636037
IRS990/OtherEmployeeBenefitsGrp/TotalAmt057286
IRS990/OtherExpensesGrp/Desc0Director & Association Dues
IRS990/OtherExpensesGrp/Desc1Fraud Loss & Misc. Expense
IRS990/OtherExpensesGrp/Desc2Regulatory Supervision
IRS990/OtherExpensesGrp/Desc3Loan Service Fees & Losses
IRS990/OtherExpensesGrp/TotalAmt059518
IRS990/OtherExpensesGrp/TotalAmt164301
IRS990/OtherExpensesGrp/TotalAmt224172
IRS990/OtherExpensesGrp/TotalAmt31461917
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01726591
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0101014382
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0115284835
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0186034
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0501289
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0655358
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0385619
IRS990/PrincipalOfficerNm0Chris Culberson
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/Desc0Income from Loans
IRS990/ProgramServiceRevenueGrp/Desc1Loan Fees
IRS990/ProgramServiceRevenueGrp/Desc2Share & Share Draft Fees
IRS990/ProgramServiceRevenueGrp/Desc3Other Service Fees
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04797671
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1635264
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21055164
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt334791
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04797671
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1654814
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21070382
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt334791
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt119550
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt215218
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgSrvcAccomActy2Grp/Desc0Served more than eighteen thousand members during the year by extending credit with low interest rates and held over 116 million dollars consumer and real estate loans.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt06091234
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt05452484
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03255798
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IRS990/PYOtherExpensesAmt04705408
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt07277897
IRS990/PYRevenuesLessExpensesAmt02715688
IRS990/PYSalariesCompEmpBnftPaidAmt03112599
IRS990/PYTotalExpensesAmt07818007
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010533695
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-467348
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
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IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01848644
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
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IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014946172
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014919427
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021718834
IRS990/SavingsAndTempCashInvstGrp/EOYAmt029819499
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0213849
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02453369
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02667218
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt07768476
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
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IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0429075
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0175423
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0604498
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00

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