Liabilities / Assets
32nd percentile
Higher debt load relative to assets than 32% of similar nonprofits.
Gulf Trust Credit Union
EIN 23-7268612 • 501(c)14 • Pascagoula, MS
Profile
providing economically priced financial products and services to it's members
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.85x
Liabilities / Revenue
30th percentile
Higher debt load relative to revenue than 30% of similar nonprofits.
Net Margin
48th percentile
Higher net margin than 48% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
63rd percentile
Faster asset growth than 63% of similar nonprofits.
Revenue Growth
37th percentile
Faster revenue growth than 37% of similar nonprofits.
Balance Sheet
Assets
Up$25,882,294
Up $1,105,869 (+4.5%) from 2014
Liabilities
Up$22,094,686
Up $733,823 (+3.4%) from 2014
Net Assets
Up$3,787,608
Up $372,046 (+11%) from 2014
Revenue
Up$1,481,523
Up $189,330 (+15%) from 2014
Expenses
Up$1,352,175
Up $82,061 (+6.5%) from 2014
Net Income
Up$129,348
Up $107,269 (+486%) from 2014
Trend Graphs
Filings
Most recent year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $25,882,294
- Liabilities
- $22,094,686
- Net assets
- $3,787,608
- Revenue
- $1,481,523
- Expenses
- $1,352,175
- Net income
- $129,348
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- May 14, 2018
- Return Version
- 2017v2.3
- Gross Receipts
- $1,481,523
Mission and Program Overview
Mission
providing economically priced financial products and services to it's members
providing economically priced financial products and services to its members
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $15,701,895 | $15,049,273 | ▼ $652,622 |
| Investments Program Related | $6,550,019 | $6,297,019 | ▼ $253,000 |
| Cap Stk Tr Prin Current Funds | $3,658,260 | $3,787,608 | ▲ $129,348 |
| Savings and Temporary Cash Investments | $671,668 | $2,222,959 | ▲ $1,551,291 |
| Receivables From Officers Etc | $691,153 | $869,910 | ▲ $178,757 |
| Land, Buildings, and Equipment, Net | $735,172 | $717,548 | ▼ $17,624 |
| Cash and Non-Interest-Bearing Accounts | $489,166 | $451,873 | ▼ $37,293 |
| Prepaid Expenses and Deferred Charges | $72,548 | $55,738 | ▼ $16,810 |
| Total Assets | $25,138,744 | $25,882,294 | ▲ $743,550 |
| Other Assets Total | $227,123 | $217,974 | ▼ $9,149 |
| Liabilities | |||
| Other Liabilities | $21,426,547 | $21,966,440 | ▲ $539,893 |
| Accounts Payable and Accrued Expenses | $53,937 | $128,246 | ▲ $74,309 |
| Total Liabilities | $21,480,484 | $22,094,686 | ▲ $614,202 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $3,658,260 | $3,787,608 | ▲ $129,348 |
| Total Liabilities and Net Assets / Fund Balance | $25,138,744 | $25,882,294 | ▲ $743,550 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Land | $313,500 | - | $35,500 |
| Investment Program Related Org | $6,297,019 | - | - |
| Buildings | $375,663 | $279,781 | - |
| Equipment | $28,385 | $330,781 | - |
| Other Assets Org | $5,052 | - | - |
Compensation and Service Providers
Board Members and Trustees
| Name | Title |
|---|---|
| Randy Sanders | President |
| James R Cauley | Vice President |
| Carolyn Horton | Director |
| Jason K Ely | Director |
| Norman S Johnson | Director |
| Ann Pickett | Secretary |
| Alton Delancey | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,413,453
- Investment Income
- $68,070
- Other Revenue
- $0
- Change in Net Assets
- $129,348
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $825,322 |
| Salaries, Compensation, and Employee Benefits | $526,853 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $417,949 |
| Other Expenses | - | - | - | $189,957 |
| Fees for Services Other | - | - | - | $166,319 |
| All Other Expenses | - | - | - | $121,816 |
| Information Technology | - | - | - | $85,375 |
| Office Expenses | - | - | - | $71,163 |
| Other Employee Benefits | - | - | - | $58,576 |
| Occupancy | - | - | - | $57,532 |
| Depreciation Depletion | - | - | - | $36,547 |
| Travel | - | - | - | $33,440 |
| Payroll Taxes | - | - | - | $30,828 |
| Insurance | - | - | - | $29,391 |
| Pension Plan Contributions | - | - | - | $19,500 |
| Advertising | - | - | - | $13,675 |
| Fees for Services Accounting | - | - | - | $10,898 |
| Payments to Affiliates | - | - | - | $9,044 |
| Interest | - | - | - | $138 |
| Fees for Services Legal | - | - | - | $27 |
| Total Functional Expenses | $0 | $0 | $0 | $1,352,175 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Lobbying activity
- No
- Subject to proxy tax
- No
Insider Transactions and Loans
Loans and Receivables
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $691,153 | $869,910 | ▲ $178,757 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Shares | $21,966,440 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Backup withholding compliance
- 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
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- No
- Management duties delegated
- No
Governance Explanations
Part VI Line 6
“All members have one share of $5 value with one vote”
Part VI Line 7A
“Members elect the 7 members of the Board of Directors , 5 members of the”
Part VI Line 7A
“Supervisory Committee, and 5 members of the Credit Committee”
Part VI Line 9
“Randy Sanders, President- 3721 Quinn Dr, Pascagoula,MS 39581”
Part VI Line 9
“James Ronald Cauley, Vice-President, 12670 Old Pascagoula Rd, Grand Bay, AL”
Part VI Line 11B
“Governing documents and the conflict of interest policy are available upon”
Part VI Line 11B
“request. Monthly Financial Statements are posted in the lobby.”
Part VI Line 12C
“Governing body members sign disclosures annually”
Part VI Line 15A or B
“Salaries are determined using CUNA Staff Salary Report & Compensation”
Part VI Line 15A or B
“Survey by Louisiana Credit Union League and Mississippi Credit Union Assoc”
Part VI Line 19
“Upon request”
Part VI Line 9
“Addresses of Officials that cannot be reached at 2533 Denny Ave, Pascagoula”
Part VI line 9
“Ann Pickett, Secretary- 804 Williams St, Pascagoula, MS 39567”
Part VI Line 9
“Alton Delancey, Treasurer- 3655 LaChene Place, Moss Point, MS 39563”
Part VI Line 9
“Norman Shun Johnson, 3610 Catalina St, Pascagoula, MS 39567`”
Part VI Line 9
“Jason Ely, 2213 Sampras Blvd, Vancleave, MS 39565”
Part VI Line 9
“Carolyn Horton, 3331 Catherine Ave, Moss Point, MS 39563”
Filing and Contact Details
Filer
- Filer Name
- Gulf Trust Credit Union
- EIN
- 23-7268612
- In Care Of
- % Betty Hutchinson
- Phone
- 2287620659
- Address
- 2533 Denny Ave, Pascagoula, MS 39567
Signing Officer
- Name
- Betty Hutchinson
- Title
- General Manager
- Phone
- 2287620659
- Signed
- 2018-05-14
Organization Details
- Principal Officer
- Betty Hutchinson
- Formed
- 1972
- Legal Domicile
- Ms
- Voting Board Members
- 7
- Independent Board Members
- 0
- Employees
- 16
- Volunteers
- 15
Supplemental Narrative
Additional Explanations
Part IX Line 11G
“card processing & alm Total expenses - $166319.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”
Part IX Line 24E
“Loan & share losses Total expenses - $102499.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”
Part IX Line 24E
“all other expenses Total expenses - $19317.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”
Part IX Line 11G
“Other fees for services are payments to third-party vendors for card”
Raw XML AppendixShowing 400 of 422 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/AccountantCompileOrReviewInd | 0 | false |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 53937 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 128246 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 15701895 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 15049273 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | providing economically priced financial products and services to its members |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 13675 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 121816 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | true |
| IRS990/BackupWthldComplianceInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | BETTY HUTCHINSON |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2287620659 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2533 Denny Ave |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Pascagoula |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MS |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 39567 |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 3658260 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 3787608 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 489166 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 451873 |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConflictOfInterestPolicyInd | 0 | true |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | true |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 68070 |
| IRS990/CYOtherExpensesAmt | 0 | 825322 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1413453 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 129348 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 526853 |
| IRS990/CYTotalExpensesAmt | 0 | 1352175 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1481523 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | false |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 36547 |
| IRS990/Desc | 0 | member savings and checking account processing, dividends paid to members, fees for services, charged-off accounts |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 16 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990/ExpenseAmt | 0 | 290521 |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 10898 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 27 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 166319 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | RANDY SANDERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JAMES R CAULEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | ALTON DELANCEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ANN PICKETT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | NORMAN S JOHNSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JASON K ELY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | CAROLYN HORTON |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE PRESIDENT |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | false |
| IRS990/FormationYr | 0 | 1972 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | false |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -7669 |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | -7669 |
| IRS990/GrossReceiptsAmt | 0 | 1481523 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | false |
| IRS990/IndependentVotingMemberCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIXInd | 0 | X |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 85375 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 29391 |
| IRS990/InterestGrp/TotalAmt | 0 | 138 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 75739 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 75739 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 6550019 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 6297019 |
| IRS990/IRPDocumentCnt | 0 | 663 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 610562 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 735172 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 717548 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1328110 |
| IRS990/LegalDomicileStateCd | 0 | MS |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LobbyingActivitiesInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | providing economically priced financial products and services to it's members |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 3658260 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 3787608 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -7669 |
| IRS990/NoListedPersonsCompensatedInd | 0 | X |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/TotalAmt | 0 | 57532 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 71163 |
| IRS990/OfficerMailingAddressInd | 0 | true |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 227123 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 217974 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 58576 |
| IRS990/OtherExpensesGrp/Desc | 0 | dividends paid to members |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 189957 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 21426547 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 21966440 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 417949 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 9044 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 30828 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 19500 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 72548 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 55738 |
| IRS990/PrincipalOfficerNm | 0 | BETTY HUTCHINSON |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest from loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees charges |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 931908 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 465103 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 931908 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 465103 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Interest paid by members from loans made, loan losses, loan fees, related services |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 103513 |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 989804 |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | All other income and expenses that serve both program services listed, investment income, salaries, building & equipment, insurance, audits, and contracted services. |
| IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt | 0 | 958470 |
| IRS990/ProgSrvcAccomActy3Grp/RevenueAmt | 0 | 122385 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYExcessBenefitTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 75829 |
| IRS990/PYOtherExpensesAmt | 0 | 733616 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1392368 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 178329 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 556252 |
| IRS990/PYTotalExpensesAmt | 0 | 1289868 |
| IRS990/PYTotalRevenueAmt | 0 | 1468197 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 691153 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 869910 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 129348 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | true |
| IRS990/RevenueAmt | 0 | 377002 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 671668 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 2222959 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 375663 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 279781 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 655444 |
| IRS990ScheduleD/DisclosedForCharitablePrpsInd | 0 | false |
| IRS990ScheduleD/DisclosedOrgLegCtrlInd | 0 | false |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 28385 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 330781 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 359166 |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | false |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt | 0 | 6297019 |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc | 0 | certificates |
| IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 313500 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 278000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 35500 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 212922 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 5052 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | NCUA deposit |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | Collateral held in process |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 21966440 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Shares |
| IRS990ScheduleD/Section170hRqrStsfdInd | 0 | false |
| IRS990ScheduleD/SolicitedAssetsSaleInd | 0 | false |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 717548 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 217974 |
| IRS990ScheduleD/TotalBookValueProgramRltdAmt | 0 | 6297019 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 21966440 |
| IRS990ScheduleD/WrittenPolicyMonitoringInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 1 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 2 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 3 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 4 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 5 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 6 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 7 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 8 | false |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 9 | false |
| IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd | 0 | false |
| IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd | 1 | false |
| IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd | 2 | false |
| IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd | 3 | false |
| IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd | 4 | false |
| IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 6 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 7 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 8 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 9 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 6 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 7 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 8 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 9 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 2 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 3 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 4 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 5 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 6 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 7 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 8 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 9 | false |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | All members have one share of $5 value with one vote |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Members elect the 7 members of the Board of Directors , 5 members of the |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Supervisory Committee, and 5 members of the Credit Committee |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Randy Sanders, President- 3721 Quinn Dr, Pascagoula,MS 39581 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | James Ronald Cauley, Vice-President, 12670 Old Pascagoula Rd, Grand Bay, AL |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Governing documents and the conflict of interest policy are available upon |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | request. Monthly Financial Statements are posted in the lobby. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Governing body members sign disclosures annually |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Salaries are determined using CUNA Staff Salary Report & Compensation |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | Survey by Louisiana Credit Union League and Mississippi Credit Union Assoc |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | Upon request |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | card processing & alm Total expenses - $166319.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 12 | Loan & share losses Total expenses - $102499.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 13 | all other expenses Total expenses - $19317.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 14 | Addresses of Officials that cannot be reached at 2533 Denny Ave, Pascagoula |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 15 | Ann Pickett, Secretary- 804 Williams St, Pascagoula, MS 39567 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 16 | Alton Delancey, Treasurer- 3655 LaChene Place, Moss Point, MS 39563 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 17 | Norman Shun Johnson, 3610 Catalina St, Pascagoula, MS 39567` |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 18 | Jason Ely, 2213 Sampras Blvd, Vancleave, MS 39565 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 19 | Carolyn Horton, 3331 Catherine Ave, Moss Point, MS 39563 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 20 | Other fees for services are payments to third-party vendors for card |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part VI Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Part VI Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Part VI Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Part VI Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Part VI Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Part VI Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Part VI Line 15a or b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Part VI Line 15a or b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Part VI Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | Part IX Line 11g |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 12 | Part IX Line 24e |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 13 | Part IX Line 24e |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 14 | PART VI LINE 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 15 | Part VI line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 16 | Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 17 | Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 18 | Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 19 | Part VI Line 9 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 20 | Part IX Line 11g |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | MS |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 25138744 |
| IRS990/TotalAssetsEOYAmt | 0 | 25882294 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 25138744 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 25882294 |
| IRS990/TotalCompGreaterThan150KInd | 0 | false |
| IRS990/TotalEmployeeCnt | 0 | 16 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1352175 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 21480484 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 22094686 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 21480484 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 22094686 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 3658260 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 3787608 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 16442 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 16442 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 1352504 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1413453 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1489192 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1481523 |
| IRS990/TotalVolunteersCnt | 0 | 15 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 25138744 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 25882294 |
| IRS990/TravelGrp/TotalAmt | 0 | 33440 |
| IRS990/TypeOfOrganizationAssocInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 2533 Denny Ave |
| IRS990/USAddress/CityNm | 0 | Pascagoula |
| IRS990/USAddress/StateAbbreviationCd | 0 | MS |
| IRS990/USAddress/ZIPCd | 0 | 39567 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 0 |
| IRS990/WebsiteAddressTxt | 0 | www.gulftrustcu.org |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2018-06-14 16:35:46Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | BETTY HUTCHINSON |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | General Manager |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.