Liabilities / Assets
37th percentile
Higher debt load relative to assets than 37% of similar nonprofits.
EIN 56-0172675 • 501(c)14 • Canton, NC
Profile
State chartered credit union mutually owned by our 36,051 members to promote deposits, issue shares and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
37th percentile
Higher debt load relative to assets than 37% of similar nonprofits.
Liabilities / Revenue
50th percentile
Higher debt load relative to revenue than 50% of similar nonprofits.
Net Margin
54th percentile
Higher net margin than 54% of similar nonprofits.
Top Officer Pay
70th percentile
Higher top officer pay than 70% of similar nonprofits.
Top officer pay equals 1.6% of source-year revenue.
Asset Growth
21st percentile
Faster asset growth than 21% of similar nonprofits.
Revenue Growth
50th percentile
Faster revenue growth than 50% of similar nonprofits.
Assets
Down$549,564,417
Down $7,590,301 (-1.4%) from 2023
Liabilities
Down$489,477,676
Down $10,516,837 (-2.1%) from 2023
Net Assets
Up$60,086,741
Up $2,926,536 (+5.1%) from 2023
Revenue
Up$32,581,818
Up $3,722,834 (+13%) from 2023
Expenses
Up$29,325,921
Up $5,721,435 (+24%) from 2023
Net Income
Down$3,255,897
Down $1,998,601 (-38%) from 2023
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
State chartered credit union mutually owned by our 23,564 members, to promote thrift, issue shares, and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested.
State chartered credit union providing financial services to our 36,379 members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $436,750,052 | $412,741,702 | ▼ $24,008,350 |
| Savings and Temporary Cash Investments | $47,632,721 | $69,293,255 | ▲ $21,660,534 |
| Rtn Earn Endowment Incm Other Fnds | $57,160,205 | $60,086,741 | ▲ $2,926,536 |
| Land, Buildings, and Equipment, Net | $16,465,633 | $27,701,986 | ▲ $11,236,353 |
| Investments in Publicly Traded Securities | $38,118,837 | $22,905,962 | ▼ $15,212,875 |
| Cash and Non-Interest-Bearing Accounts | $5,448,423 | $6,061,851 | ▲ $613,428 |
| Investments Program Related | $3,823,770 | $3,308,679 | ▼ $515,091 |
| Intangible Assets | $3,573,981 | $2,528,737 | ▼ $1,045,244 |
| Prepaid Expenses and Deferred Charges | $1,239,409 | $792,179 | ▼ $447,230 |
| Accounts Receivable | $0 | $0 | → $0 |
| 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 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Inventories for Sale or Use | $0 | $0 | → $0 |
| Loans From Officers Directors | $0 | - | - |
| Total Assets | $557,154,718 | $549,564,417 | ▼ $7,590,301 |
| Other Assets Total | $4,101,892 | $4,230,066 | ▲ $128,174 |
| Liabilities | |||
| Other Liabilities | $446,652,567 | $452,515,506 | ▲ $5,862,939 |
| Mortgage Notes Payable Secured by Investment Property | $45,000,000 | $30,000,000 | ▼ $15,000,000 |
| Accounts Payable and Accrued Expenses | $7,800,562 | $6,126,411 | ▼ $1,674,151 |
| Escrow Account Liability | $541,384 | $835,759 | ▲ $294,375 |
| Grants Payable | $0 | $0 | → $0 |
| Unsecured Notes Loans Payable | $0 | $0 | → $0 |
| Deferred Revenue | $0 | $0 | → $0 |
| Tax Exempt Bond Liabilities | $0 | $0 | → $0 |
| Total Liabilities | $499,994,513 | $489,477,676 | ▼ $10,516,837 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $57,160,205 | $60,086,741 | ▲ $2,926,536 |
| Total Liabilities and Net Assets / Fund Balance | $557,154,718 | $549,564,417 | ▼ $7,590,301 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $21,829,916 | $2,113,273 | $23,943,189 |
| Equipment | $1,449,908 | $3,176,847 | $4,626,755 |
| Leasehold Improvements | $1,680,736 | $1,227,839 | $2,908,575 |
| Land | $2,741,426 | - | $2,741,426 |
| Other Land Buildings | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Timothy Robinson | President/CEO | FT | $262,189 | $273,399 | $535,588 |
| Brittainy Crawford | CFO | FT | $183,676 | $109,945 | $293,621 |
| Marcus Trull | Director of Organizational Strategy | FT | $119,944 | $55,379 | $175,323 |
| Melanie Mooney | Director of HR | FT | $125,760 | $47,809 | $173,569 |
| Barbara Pinter | Director of Lending | FT | $111,670 | $57,846 | $169,516 |
| Lorinda Whaley | Director of Member Experience | FT | $108,650 | $50,749 | $159,399 |
| Christopher Wells | Market Executive | FT | $111,971 | $38,677 | $150,648 |
| Name | Title |
|---|---|
| Bryan Trantham | Chairperson |
| Mike Arnott | Vice Chairperson |
| Dean Pressley | Board Member |
| Gary Hollifield | Board Member |
| Greg Boothroyd | Board Member |
| Howard Taylor | Board Member |
| Matthew Lehman | Board Member |
| Ron Mills | Board Member |
| Stephany Semones | Secretary |
| Andrew Francis | Treasurer |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| The Van Winkle Law Firm | Technology Services | PO Box 40193, Memphis, TN 38174-0193 | $436,155 |
| Boyd L Hyder | Legal Services | PO Box 7376, Asheville, NC 28802 | $152,982 |
| - | Leased Facilities | 6 Ivywood Road, Weaverville, NC 28787 | $142,404 |
| Line Item | Amount |
|---|---|
| Other Expenses | $14,069,167 |
| Salaries, Compensation, and Employee Benefits | $9,736,277 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $6,691,280 |
| Benefits to Members | - | - | - | $5,520,477 |
| Information Technology | - | - | - | $3,038,494 |
| Interest | - | - | - | $2,004,874 |
| Other Employee Benefits | - | - | - | $1,303,709 |
| Occupancy | - | - | - | $975,376 |
| Office Expenses | - | - | - | $962,786 |
| Depreciation Depletion | - | - | - | $856,645 |
| All Other Expenses | - | - | - | $817,352 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $800,943 |
| Advertising | - | - | - | $727,975 |
| Payroll Taxes | - | - | - | $536,953 |
| Pension Plan Contributions | - | - | - | $403,392 |
| Fees for Services Legal | - | - | - | $143,804 |
| Other Expenses | - | - | - | $97,762 |
| Conferences and Meetings | - | - | - | $74,374 |
| Travel | - | - | - | $72,288 |
| Fees for Services Accounting | - | - | - | $71,412 |
| Insurance | - | - | - | $43,928 |
| Total Functional Expenses | $0 | $0 | $0 | $29,325,921 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Loans from Officers, Directors, Trustees, and Key Employees | $0 | - | - |
| Receivables from Disqualified Persons | $0 | $0 | → $0 |
| Receivables from Officers, Directors, Trustees, and Key Employees | $0 | $0 | → $0 |
| Liability | Amount |
|---|---|
| Member Deposits | $452,515,506 |
“The credit union's bylaws call for an annual election of directors by the members. Each member is entitled to one vote irrespective of the number of shares/deposits at the credit union.”
“The credit union's bylaws call for an annual election of directors by the members. Each member is entitled to one vote irrespective of the number of shares/deposits at the credit union. The candidates for director are nominated by a nominating committee appointed by the Board of Directors. The directors are elected by ballot election and results are reported at an annual meeting called for in the bylaws.”
“The Form 990 was completed and reviewed by management. The Form 990 is made available to board members after filing, upon request.”
“The conflict of interest policy is included in the Employee HR Handbook. All employees are required to review the handbook on an annual basis. The Board of Directors oversee the policies included in the Employee HR Handbook. In addition, board members sign a Code of Ethics and Conduct Statement which addresses conflicts of interest.”
“The Board of Directors approve compensation for the President/CEO annually based on a compensation survey of credit unions of comparable size and job classifications, job performance, and other factors. Compensation for top management (other than the President/CEO) is approved by the President/CEO based on a compensation survey of credit unions of comparable size and job classifications, employee performance evaluations, and other factors. The overall compensation plan for the credit union, including the compensation for the President/CEO and management, is reviewed and approved by the Board of Directors annually.”
“Written copies of policies and procedures are provided to members upon request with the approval of the Board of Directors. Monthly financial statements are posted in the credit union branch lobbies for members to review. The annual report for the credit union is provided to all members at the annual meeting.”
“The credit union maintains escrow accounts on members' first mortgage loans as a service to members. These accounts are funded on a monthly basis by the members. The proceeds are used to pay the property taxes and insurance on the real estate property securing the first mortgage.”
“The Credit Union is exempt from most federal, state, and local income taxes under the provisions of the Internal Revenue Code (IRC) and state tax laws. However, IRC Section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Generally, these taxes are insignificant to the Credit Union.”
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 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 7800562 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 6126411 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | State chartered credit union providing financial services to our 36,379 members. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 727975 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 817352 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 5520477 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Timothy Jake Robinson |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8286481515 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3 Academy Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Canton |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | NC |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 28716 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 5448423 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 6061851 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 3 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 800943 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 74374 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 1 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 436155 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 152982 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 142404 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | PO Box 40193 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | PO Box 7376 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 6 Ivywood Road |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | Memphis |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | Asheville |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | Weaverville |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | TN |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | NC |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | NC |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 381740193 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 28802 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 28787 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | The Van Winkle Law Firm |
| IRS990/ContractorCompensationGrp/ContractorName/PersonNm | 0 | Technology Happens LLC |
| IRS990/ContractorCompensationGrp/ContractorName/PersonNm | 1 | Boyd L Hyder |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | Technology Services |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | Legal Services |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | Leased Facilities |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 5520477 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 0 |
| IRS990/CYOtherExpensesAmt | 0 | 14069167 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 32581818 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 3255897 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 9736277 |
| IRS990/CYTotalExpensesAmt | 0 | 29325921 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 32581818 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DeferredRevenueGrp/BOYAmt | 0 | 0 |
| IRS990/DeferredRevenueGrp/EOYAmt | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 856645 |
| IRS990/Desc | 0 | State chartered credit union mutually owned by our 36,379 members to promote deposits, issue shares and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DoingBusinessAsName/BusinessNameLine1Txt | 0 | CHAMPION CREDIT UNION |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 137 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 541384 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 835759 |
| IRS990/ExpenseAmt | 0 | 29325921 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 71412 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 143804 |
| IRS990/FeesForServicesLobbyingGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 0 |
| IRS990/FeesForServicesProfFundraising/TotalAmt | 0 | 0 |
| IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 1 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 54032 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 52678 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 34789 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 23595 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 37365 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 31648 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 20476 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Timothy Robinson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Brittainy Crawford |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Marcus Trull |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Melanie Mooney |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Barbara Pinter |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Lorinda Whaley |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Christopher Wells |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Bryan Trantham |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Mike Arnott |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Andrew Francis |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Stephany Semones |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Greg Boothroyd |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | Ron Mills |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Howard Taylor |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | Dean Pressley |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | Gary Hollifield |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | Matthew Lehman |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 481556 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 240943 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 140534 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 149975 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 132152 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 127751 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 130172 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 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/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director of Organizational Strategy |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director of HR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director of Lending |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director of Member Experience |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Market Executive |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | Vice Chairperson |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | Board Member |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/FormationYr | 0 | 1932 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/BOYAmt | 0 | 0 |
| IRS990/GrantsPayableGrp/EOYAmt | 0 | 0 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 32581818 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 9 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 12 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 3038494 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 43928 |
| IRS990/IntangibleAssetsGrp/BOYAmt | 0 | 3573981 |
| IRS990/IntangibleAssetsGrp/EOYAmt | 0 | 2528737 |
| IRS990/InterestGrp/TotalAmt | 0 | 2004874 |
| IRS990/InventoriesForSaleOrUseGrp/BOYAmt | 0 | 0 |
| IRS990/InventoriesForSaleOrUseGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 0 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 3823770 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 3308679 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 38118837 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 22905962 |
| IRS990/IRPDocumentCnt | 0 | 9904 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 6517959 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 16465633 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 27701986 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 34219945 |
| IRS990/LegalDomicileStateCd | 0 | NC |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LoansFromOfficersDirectorsGrp/BOYAmt | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | State chartered credit union mutually owned by our 36,379 members to promote deposits, issue shares and maintain accounts, and make loans to our members. Funds not needed for liquidity or for loans are temporarily invested. |
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| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt | 0 | 45000000 |
| IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt | 0 | 30000000 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 57160205 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 60086741 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -329361 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 975376 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 962786 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 4101892 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 4230066 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 1303709 |
| IRS990/OtherExpensesGrp/Desc | 0 | Loan Servicing |
| IRS990/OtherExpensesGrp/Desc | 1 | Provision for Credit Losses |
| IRS990/OtherExpensesGrp/Desc | 2 | Office Operations |
| IRS990/OtherExpensesGrp/Desc | 3 | Operating Fees |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 2162120 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 1765948 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 254029 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 97762 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 446652567 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 452515506 |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 6691280 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 436750052 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 412741702 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 536953 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
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| IRS990/PledgesAndGrantsReceivableGrp/BOYAmt | 0 | 0 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1239409 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 792179 |
| IRS990/PrincipalOfficerNm | 0 | Timothy Jake Robinson |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Loans to Members |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Investment Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Fee Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Other Operating Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 3 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 24497833 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 3862211 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 4772065 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 3 | -550291 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 24497833 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 3862211 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 4772065 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | -550291 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 3 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 3534766 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 0 |
| IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 11586119 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 28858984 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 5254498 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 8483601 |
| IRS990/PYTotalExpensesAmt | 0 | 23604486 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 28858984 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt | 0 | 0 |
| IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 0 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 3255897 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
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