Civic Intelligence

Associated Credit Union

990 • Fiscal year 2014 • EIN 58-0240950

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 12, 2015

6251 Crooked Creek RoadNorcross, GA 30092-3107

(770) 448-8200

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

28th percentile

0.88x

Higher debt load relative to assets than 28% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Liabilities / Revenue

55th percentile

20.33x

Higher debt load relative to revenue than 55% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Net Margin

26th percentile

14%

Higher net margin than 26% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Top Officer Pay

43rd percentile

$715,804

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

2014 filings • 501(c)14 • $1B+ nonprofits • Source year 2014

Asset Growth

15th percentile

2.4%

Faster asset growth than 15% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Revenue Growth

32nd percentile

1.4%

Faster revenue growth than 32% of similar nonprofits.

2014 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2013 to 2014

Assets

Up

$1,338,282,125

Up $30,850,865 (+2.4%) from 2013

Net Assets

Up

$156,858,477

Up $8,052,636 (+5.4%) from 2013

Liabilities

Up

$1,181,423,648

Up $22,798,229 (+2.0%) from 2013

Revenue

Up

$58,102,684

Up $781,774 (+1.4%) from 2013

Expenses

Up

$50,109,078

Up $248,530 (+0.5%) from 2013

Net Income

Up

$7,993,606

Up $533,244 (+7.1%) from 2013

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$3.0B$2.0B$1.0B$0Assets 2010: $1,134,232,842Liabilities 2010: $1,004,949,446Net Assets 2010: $129,283,3962010Assets 2011: $1,211,590,222Liabilities 2011: $1,077,764,072Net Assets 2011: $133,826,1502011Assets 2012: $1,275,874,711Liabilities 2012: $1,134,581,431Net Assets 2012: $141,293,2802012Assets 2013: $1,307,431,260Liabilities 2013: $1,158,625,419Net Assets 2013: $148,805,8412013Assets 2014: $1,338,282,125Liabilities 2014: $1,181,423,648Net Assets 2014: $156,858,4772014Assets 2015: $1,381,767,098Liabilities 2015: $1,216,780,108Net Assets 2015: $164,986,9902015Assets 2016: $1,466,015,582Liabilities 2016: $1,291,763,532Net Assets 2016: $174,252,0502016Assets 2017: $1,533,522,988Liabilities 2017: $1,350,044,950Net Assets 2017: $183,478,0382017Assets 2018: $1,556,679,095Liabilities 2018: $1,360,319,451Net Assets 2018: $196,359,6442018Assets 2019: $1,608,213,998Liabilities 2019: $1,395,689,087Net Assets 2019: $212,524,9112019Assets 2020: $1,871,714,889Liabilities 2020: $1,649,124,158Net Assets 2020: $222,590,7312020Assets 2021: $2,094,343,004Liabilities 2021: $1,862,659,219Net Assets 2021: $231,683,7852021Assets 2022: $2,128,904,229Liabilities 2022: $1,903,335,211Net Assets 2022: $225,569,0182022Assets 2023: $2,168,088,119Liabilities 2023: $1,926,026,425Net Assets 2023: $242,061,6942023Assets 2024: $2,242,878,570Liabilities 2024: $1,982,249,174Net Assets 2024: $260,629,3962024

Highlighted filing

2014

Assets$1,338,282,125
Liabilities$1,181,423,648
Net Assets$156,858,477

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$150M$100M$50M$0Expenses 2010: $53,191,1232010Expenses 2011: $50,382,1872011Revenue 2012: $57,552,130Expenses 2012: $50,139,785Net Income 2012: $7,412,3452012Revenue 2013: $57,320,910Expenses 2013: $49,860,548Net Income 2013: $7,460,3622013Revenue 2014: $58,102,684Expenses 2014: $50,109,078Net Income 2014: $7,993,6062014Revenue 2015: $61,055,388Expenses 2015: $52,744,015Net Income 2015: $8,311,3732015Revenue 2016: $63,625,231Expenses 2016: $54,780,315Net Income 2016: $8,844,9162016Revenue 2017: $69,040,767Expenses 2017: $59,047,855Net Income 2017: $9,992,9122017Revenue 2018: $77,763,430Expenses 2018: $64,569,207Net Income 2018: $13,194,2232018Revenue 2019: $84,842,941Expenses 2019: $70,211,682Net Income 2019: $14,631,2592019Revenue 2020: $80,197,434Expenses 2020: $70,704,198Net Income 2020: $9,493,2362020Revenue 2021: $74,274,351Expenses 2021: $61,307,339Net Income 2021: $12,967,0122021Revenue 2022: $88,179,919Expenses 2022: $68,611,565Net Income 2022: $19,568,3542022Revenue 2023: $108,606,695Expenses 2023: $95,672,903Net Income 2023: $12,933,7922023Revenue 2024: $129,974,439Expenses 2024: $118,948,911Net Income 2024: $11,025,5282024

Highlighted filing

2014

Revenue$58,102,684
Expenses$50,109,078
Net Income$7,993,606
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 12, 2015
Return Version
2014v5.0
Gross Receipts
$58,102,684
Mission and Program Overview

Mission

Associated credit union offers members financial products that fulfill their needs, service that exceeds their expectations, and relationships that inspire their trust.

State-Chartered Credit Union that offers members financial products that fulfill their needs, services that exceed their expectations, and relationships that inspire their trust.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$623,819,252$808,289,344▲ $184,470,092
Investments Other Securities$520,598,264$429,670,361▼ $90,927,903
Rtn Earn Endowment Incm Other Fnds$148,805,841$156,858,477▲ $8,052,636
Savings and Temporary Cash Investments$108,557,039$50,587,542▼ $57,969,497
Land, Buildings, and Equipment, Net$12,829,490$12,255,267▼ $574,223
Cash and Non-Interest-Bearing Accounts$9,426,081$11,140,871▲ $1,714,790
Receivables From Officers Etc$2,544,000$2,797,000▲ $253,000
Investments Program Related$2,043,100$2,678,900▲ $635,800
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,307,431,260$1,338,282,125▲ $30,850,865
Other Assets Total$27,614,034$20,862,840▼ $6,751,194
Liabilities
Other Liabilities$1,144,174,133$1,165,298,998▲ $21,124,865
Accounts Payable and Accrued Expenses$14,451,286$16,124,650▲ $1,673,364
Total Liabilities$1,158,625,419$1,181,423,648▲ $22,798,229
Net Assets / Fund Balance
Total Net Assets Fund Balance$148,805,841$156,858,477▲ $8,052,636
Total Liabilities and Net Assets / Fund Balance$1,307,431,260$1,338,282,125▲ $30,850,865

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,116,755$6,335,983$12,452,738
Equipment$2,104,205$6,649,457$8,753,662
Land$2,991,604-$2,991,604
Leasehold Improvements$1,042,703$430,346$1,473,049
Other Securities$1,000,000--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lin HodgesPresident/CEOFT$505,185$210,619$715,804
Greg ConnorExecutive VPFT$294,902$147,947$442,849
Tim BridgesExecutive VP/CFOFT$238,119$77,698$315,817
Mark WallerEvp/COOFT$195,540$88,622$284,162
Deborah TuttleVP/OperationsFT$172,250$98,851$271,101
Pamela MottVP/TrainingFT$154,354$114,030$268,384
William BaumVP/LoansFT$140,899$127,334$268,233
Karl MannVP/CIOFT$177,393$79,081$256,474
Tom MaiellaroVP/MarketingFT$135,500$64,508$200,008
Cathy CorletyAvp/visaFT$157,239$21,500$178,739
Jeffrey BergumAVP/OperationsFT$123,760$43,790$167,550
Allen BryanDirector-$9,000-$9,000
Chuck GehrmannDirector-$9,000-$9,000
George ClarkeDirector-$9,000-$9,000
Harvey CampbellDirector-$9,000-$9,000
Margaret PittmanDirector-$9,000-$9,000
Ron FordDirector-$9,000-$9,000
Tim F KerchevalDirector-$9,000-$9,000
James C BarbreDirector-$8,250-$8,250
John PetrosDirector-$8,250-$8,250
Doyle SpearsDirector-$7,500-$7,500
Keith GettmannDirector-$7,500-$7,500
Mike CollinsDirector-$6,750-$6,750

Highest Paid Contractors

ContractorServicesLocationCompensation
Digital Insight CorporationHome Banking VendorPO Box 515306, Los Angeles, CA 90051$1,984,923
Jack Henry & Associates IncBank Automation Solutions11395 Old Roswell Road, Alpharetta, GA 30009$655,462
Thompson O'Brien Kemp & Nasuti PCLegal Services40 Technology Parkway, Norcross, GA 30092$436,565
Cox Radio GroupAdvertising Services6205 Peachtree Dunwoody Road, Atlanta, GA 30328$386,928
King ComputersComputer Services Vendor2200 Norcross Parkway Suite 240, Norcross, GA 30071$274,976
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$52,591,781
Investment Income
$5,510,903
Other Revenue
$0
Change in Net Assets
$7,993,606

Audited Revenue Reconciliation

Revenue per Audited Statements
$58,102,684
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$58,102,684
Total Revenue per Form 990
$58,102,684
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$28,915,771
Salaries, Compensation, and Employee Benefits$21,193,307
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$12,680,430
Office Expenses---$4,913,323
Other Employee Benefits---$4,286,115
Interest---$4,177,232
Current Officers, Directors, Trustees, and Key Employees---$2,387,457
Fees for Services Other---$1,651,063
Depreciation Depletion---$1,579,749
Advertising---$1,403,702
Occupancy---$1,356,939
Payroll Taxes---$1,140,811
Other Expenses---$707,593
Pension Plan Contributions---$698,494
All Other Expenses---$612,731
Information Technology---$473,586
Conferences and Meetings---$315,079
Insurance---$277,076
Travel---$223,079
Fees for Services Accounting---$91,200
Fees for Services Legal---$35,218
Total Functional Expenses$0$0$0$50,109,078

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$50,109,078
Total Expenses per Audited Statements$50,109,078
Total Expenses per Form 990$50,109,078
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$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
Receivables from Officers, Directors, Trustees, and Key Employees$2,544,000$2,797,000▲ $253,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$1,165,298,998
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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

Form 990, Part VI, Section A, line 6

Associated Credit Union is a state-chartered credit union with 160,563 voting members.

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

Associated Credit Union has members who elect one or more members of the governing body.

Form 990, Part VI, Section B, line 11

The Board will receive a pdf of Form 990. This will give them time to review and comment on the return. Recommended changes will be incorporated into the return.

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

On an annual basis directors and key employees are required to sign an oath and fill out an application for the Georgia Department of Banking declaring no conflict of interest with Associated Credit Union. Also, through external third party audits and examinations by the Department of Banking and Finance of Georgia and the National Credit Union Administration.

Form 990, Part VI, Section B, line 15

The Chairman of the Board or the Personnel Chairman approve the President/CEO compensation and benefits. The CEO approves top management compensation. Data is used from CUES Executive Review and CUNA.

Form 990, Part VI, Section C, line 19

The organization's annual tax returns are available upon request. Financial Statements are posted in the lobby of the main office and branches for review.

Filing and Contact Details

Filer

Filer Name
Associated Credit Union
EIN
58-0240950
Phone
7704488200
Address
6251 Crooked Creek Road, Norcross, GA 30092-3107

Signing Officer

Name
Tim Bridges
Title
Evp/CFO
Phone
7704488200
Signed
2015-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
C Lin Hodges
Formed
1930
Legal Domicile
Ga
Voting Board Members
14
Independent Board Members
13
Employees
378
Volunteers
16

Preparer

Firm
Mauldin & Jenkins LLC
Address
200 Galleria Pkwy SE Ste 1700, Atlanta, GA 30339-5946
Preparer
Mary Jo Alexander
Phone
7709558600
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

Change in Entrance Fees 59,030.

Form 990 Part XII, Line 2C

The process for selection of auditors and review of financial statements has not changed from the prior year.

Financial Statement Notes

Part X, Line 2:

The Credit Union is exempt, by statute, from federal income taxes. The Internal Revenue Service (IRS) has issued a clarification in the form of a Technical Advice Memorandum(TAMs) on the issue of Unrelated Business Income Tax (UBIT). The IRS has indicated this memorandum will clarify its position on what types of revenue are subject to UBIT. However, IRC Section 511 imposes a tax on the unrelated business income derived by state-chartered credit unions. Many states have similar laws related to various activities conducted by state-chartered credit unions. At this time, there is uncertainty regarding whether the Credit Union should pay income tax on certain types of net taxable income from activities that may be considered by taxing authorities as unrelated to the purpose for which the Credit Union was granted nontaxable status. The taxing authorities have the ability to assess taxes, penalties, and interest for any years for which no tax return was filed. Management has evaluated the Credit Union's tax positions and concluded that the Credit Union has taken no uncertain tax positions that require adjustments to the financial statements. In the opinion of Management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities deemed to be unrelated to the Credit Union's nontaxable status is not expected to have a material effect on the Credit Union's financial position or results of operations. While it seems likely that certain income streams of state chartered credit unions will be subject to UBIT, the issue remains open. The Credit Union files IRS forms 990 and 990T in the U.S. federal jurisdiction and has a December 31 tax year end.

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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/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
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/OtherCompensationAmt12108619
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1397947
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1437698
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1538622
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1650503
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1775840
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1895135
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt19105369
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2042608
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2123740
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt229556
IRS990/Form990PartVIISectionAGrp/PersonNm0James C Barbre
IRS990/Form990PartVIISectionAGrp/PersonNm1Mike Collins
IRS990/Form990PartVIISectionAGrp/PersonNm2Chuck Gehrmann
IRS990/Form990PartVIISectionAGrp/PersonNm3Harvey Campbell
IRS990/Form990PartVIISectionAGrp/PersonNm4Keith Gettmann
IRS990/Form990PartVIISectionAGrp/PersonNm5Tim F Kercheval
IRS990/Form990PartVIISectionAGrp/PersonNm6Margaret Pittman
IRS990/Form990PartVIISectionAGrp/PersonNm7Doyle Spears
IRS990/Form990PartVIISectionAGrp/PersonNm8John Petros
IRS990/Form990PartVIISectionAGrp/PersonNm9Ron Ford
IRS990/Form990PartVIISectionAGrp/PersonNm10Allen Bryan
IRS990/Form990PartVIISectionAGrp/PersonNm11George Clarke
IRS990/Form990PartVIISectionAGrp/PersonNm12Lin Hodges
IRS990/Form990PartVIISectionAGrp/PersonNm13Greg Connor
IRS990/Form990PartVIISectionAGrp/PersonNm14Tim Bridges
IRS990/Form990PartVIISectionAGrp/PersonNm15Mark Waller
IRS990/Form990PartVIISectionAGrp/PersonNm16Karl Mann
IRS990/Form990PartVIISectionAGrp/PersonNm17Deborah Tuttle
IRS990/Form990PartVIISectionAGrp/PersonNm18Pamela Mott
IRS990/Form990PartVIISectionAGrp/PersonNm19William Baum
IRS990/Form990PartVIISectionAGrp/PersonNm20Tom Maiellaro
IRS990/Form990PartVIISectionAGrp/PersonNm21Jeffrey Bergum
IRS990/Form990PartVIISectionAGrp/PersonNm22Cathy Corlety
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt08250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt29000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt39000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt47500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt59000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt69000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt77500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt88250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt99000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt109000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt119000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12607185
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13344902
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14278119
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15245540
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16205971
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17195261
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18173249
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19162864
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20157400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21143810
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22169183
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt170
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt190
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt210
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt220
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt14Executive VP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt15EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt16VP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/Training
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/Loans
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP/Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt21AVP/Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt22AVP/VISA
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01930
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt014
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt058102684
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt013
IRS990/IndivRcvdGreaterThan100KCnt016
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0473586
IRS990/InsuranceGrp/TotalAmt0277076
IRS990/InterestGrp/TotalAmt04177232
IRS990/InvestmentIncomeGrp/ExclusionAmt05510903
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05510903
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0520598264
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0429670361
IRS990/InvestmentsProgramRelatedGrp/BOYAmt02043100
IRS990/InvestmentsProgramRelatedGrp/EOYAmt02678900
IRS990/IRPDocumentCnt028181
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt013415786
IRS990/LandBldgEquipBasisNetGrp/BOYAmt012829490
IRS990/LandBldgEquipBasisNetGrp/EOYAmt012255267
IRS990/LandBldgEquipCostOrOtherBssAmt025671053
IRS990/LegalDomicileStateCd0GA
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Associated Credit Union offers members financial products that fulfill their needs, service that exceeds their expectations, and relationships that inspire their trust.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0148805841
IRS990/NetAssetsOrFundBalancesEOYAmt0156858477
IRS990/NetUnrelatedBusTxblIncmAmt0-86292
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01356939
IRS990/OfficeExpensesGrp/TotalAmt04913323
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt027614034
IRS990/OtherAssetsTotalGrp/EOYAmt020862840
IRS990/OtherChangesInNetAssetsAmt059030
IRS990/OtherEmployeeBenefitsGrp/TotalAmt04286115
IRS990/OtherExpensesGrp/Desc0Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2ATM Expenses
IRS990/OtherExpensesGrp/Desc3ATM,Credit Cd, etc Loss
IRS990/OtherExpensesGrp/TotalAmt04478199
IRS990/OtherExpensesGrp/TotalAmt13827500
IRS990/OtherExpensesGrp/TotalAmt22792502
IRS990/OtherExpensesGrp/TotalAmt3707593
IRS990/OtherLiabilitiesGrp/BOYAmt01144174133
IRS990/OtherLiabilitiesGrp/EOYAmt01165298998
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherSalariesAndWagesGrp/TotalAmt012680430
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0623819252
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0808289344
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01140811
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0698494
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0C Lin Hodges
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fee Income
IRS990/ProgramServiceRevenueGrp/Desc2Other Operating Income
IRS990/ProgramServiceRevenueGrp/Desc3Gain on Sale of Mtge Loans
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt028175378
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt114600393
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt28740005
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3402643
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt028175378
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt115273755
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt28740005
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3402643
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0673362
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt05634611
IRS990/PYOtherExpensesAmt029740578
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt051686299
IRS990/PYRevenuesLessExpensesAmt07460362
IRS990/PYSalariesCompEmpBnftPaidAmt020119970
IRS990/PYTotalExpensesAmt049860548
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt057320910
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02544000
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02797000
IRS990/ReconcilationRevenueExpnssAmt07993606
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd01

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,243$1,982$261$130$119$11.0
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,168$1,926$242$109$95.7$12.9
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,129$1,903$226$88.2$68.6$19.6
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2,094$1,863$232$74.3$61.3$13.0
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,872$1,649$223$80.2$70.7$9.49
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,608$1,396$213$84.8$70.2$14.6
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1,557$1,360$196$77.8$64.6$13.2
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,534$1,350$183$69.0$59.0$9.99
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,466$1,292$174$63.6$54.8$8.84
2015Detailed filing. Detailed filing data is available for this year.$1,382$1,217$165$61.1$52.7$8.31
2014Detailed filing. Detailed filing data is available for this year.$1,338$1,181$157$58.1$50.1$7.99
2013Detailed filing. Detailed filing data is available for this year.$1,307$1,159$149$57.3$49.9$7.46
2012Summary only. Only limited summary data is available for this year.$1,276$1,135$141$57.6$50.1$7.41
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,212$1,078$134$50.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,134$1,005$129$53.2
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2014 filings • 501(c)14 • $1B+ nonprofits