Civic Intelligence

Associated Credit Union

990 • Fiscal year 2017 • EIN 58-0240950

Jan 01, 2017 to Dec 31, 2017 • Filed on Nov 15, 2018

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

22nd percentile

0.88x

Higher debt load relative to assets than 22% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Liabilities / Revenue

53rd percentile

19.55x

Higher debt load relative to revenue than 53% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Net Margin

31st percentile

14%

Higher net margin than 31% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Top Officer Pay

45th percentile

$799,639

Higher top officer pay than 45% of similar nonprofits.

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

2017 filings • 501(c)14 • $1B+ nonprofits • Source year 2017

Asset Growth

24th percentile

4.6%

Faster asset growth than 24% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Revenue Growth

37th percentile

8.5%

Faster revenue growth than 37% of similar nonprofits.

2017 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2016 to 2017

Assets

Up

$1,533,522,988

Up $67,507,406 (+4.6%) from 2016

Net Assets

Up

$183,478,038

Up $9,225,988 (+5.3%) from 2016

Liabilities

Up

$1,350,044,950

Up $58,281,418 (+4.5%) from 2016

Revenue

Up

$69,040,767

Up $5,415,536 (+8.5%) from 2016

Expenses

Up

$59,047,855

Up $4,267,540 (+7.8%) from 2016

Net Income

Up

$9,992,912

Up $1,147,996 (+13%) from 2016

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

2017

Assets$1,533,522,988
Liabilities$1,350,044,950
Net Assets$183,478,038

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

2017

Revenue$69,040,767
Expenses$59,047,855
Net Income$9,992,912
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 15, 2018
Return Version
2017v2.3
Gross Receipts
$69,040,767
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$989,293,249$1,121,777,150▲ $132,483,901
Rtn Earn Endowment Incm Other Fnds$174,252,050$183,478,038▲ $9,225,988
Savings and Temporary Cash Investments$132,721,185$163,961,713▲ $31,240,528
Investments Other Securities$237,827,357$151,603,286▼ $86,224,071
Land, Buildings, and Equipment, Net$11,836,206$14,041,200▲ $2,204,994
Cash and Non-Interest-Bearing Accounts$10,203,598$10,528,842▲ $325,244
Investments Program Related$8,625,974$4,067,356▼ $4,558,618
Receivables From Officers Etc$3,763,000$4,010,000▲ $247,000
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,466,015,582$1,533,522,988▲ $67,507,406
Other Assets Total$71,745,013$63,533,441▼ $8,211,572
Liabilities
Other Liabilities$1,273,848,152$1,333,316,112▲ $59,467,960
Accounts Payable and Accrued Expenses$17,915,380$16,728,838▼ $1,186,542
Total Liabilities$1,291,763,532$1,350,044,950▲ $58,281,418
Net Assets / Fund Balance
Total Net Assets Fund Balance$174,252,050$183,478,038▲ $9,225,988
Total Liabilities and Net Assets / Fund Balance$1,466,015,582$1,533,522,988▲ $67,507,406

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,763,860$7,321,635$15,085,495
Equipment$1,992,827$7,320,674$9,313,501
Land$4,262,193-$4,262,193
Other Land Buildings$22,320-$22,320
Other Securities$1,602,647--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lin HodgesPresident/CEOFT$598,962$200,677$799,639
Greg ConnorExecutive VPFT$386,027$148,798$534,825
Tim BridgesExecutive VP/CFOFT$273,774$80,839$354,613
Mark WallerEvp/COOFT$242,811$98,559$341,370
Karl MannVP/CIOFT$202,056$41,893$243,949
Tom MaiellaroVP/MarketingFT$153,215$63,900$217,115
Jim LaFondVP/Risk ManagementFT$127,805$62,259$190,064
Jeffrey BergumAVP/OperationsFT$144,959$37,324$182,283
Chadwick EvansVP/Consumer LendingFT$135,953$33,160$169,113
Beth TynanAVP/ControllerFT$127,738$40,113$167,851
Todd W ChandlerAVP Digital ServicesFT$130,277$35,388$165,665
James C BarbreDirector-$9,866-$9,866
Margaret PittmanDirector-$9,568-$9,568
Chuck GehrmannDirector-$9,556-$9,556
George M ClarkeDirector-$9,476-$9,476
Doyle SpearsDirector-$9,403-$9,403
Allen BryanDirector-$9,263-$9,263
Ron FordDirector-$9,203-$9,203
Keith GettmannDirector-$9,055-$9,055
Tim F KerchevalDirector-$9,012-$9,012
Exceptional HardenDirector-$9,000-$9,000
Mike CollinsDirector-$9,000-$9,000
John PetrosDirector-$8,250-$8,250

Board Members and Trustees

NameTitle
Harvey CampbellDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Digital InsightHome Banking VendorPO Box 515306, Los Angeles, CA 90051$1,737,299
Jack Henry & AssociatesData Processing VendorPO Box 609, Dallas, TX 75320$849,962
At&tCommunication ServicesPO Box 5019, Carol Stream, IL 30197$477,169
ThompsonO'Brien Kemp & nasutiLegal Services40 Technology Parkway, Norcross, GA 30092$336,592
Cumulus MediaMarketing and Media3280 Peachtree Road, Atlanta, GA 30305$207,311
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$64,899,753
Investment Income
$4,141,014
Other Revenue
$0
Change in Net Assets
$9,992,912

Audited Revenue Reconciliation

Revenue per Audited Statements
$69,040,767
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$69,040,767
Total Revenue per Form 990
$69,040,767
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$34,410,578
Salaries, Compensation, and Employee Benefits$24,550,104
Grants and Similar Amounts Paid$87,173
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$16,413,862
Interest---$4,798,769
Office Expenses---$4,678,313
Other Employee Benefits---$3,369,333
Current Officers, Directors, Trustees, and Key Employees---$2,602,164
Fees for Services Other---$2,036,440
Advertising---$1,647,894
Depreciation Depletion---$1,434,470
Occupancy---$1,324,129
Payroll Taxes---$1,278,500
All Other Expenses---$983,343
Pension Plan Contributions---$886,245
Other Expenses---$649,124
Conferences and Meetings---$343,156
Travel---$315,219
Insurance---$294,396
Information Technology---$284,606
Fees for Services Accounting---$99,415
Grants to Domestic Orgs---$87,173
Fees for Services Legal---$43,917
Total Functional Expenses$0$0$0$59,047,855

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$59,104,525
Expenses per Audited Statements$59,047,855
Total Expenses per Form 990$59,047,855
Expenses Not Reported on Form 990$56,670
Expenses Not Reported on Financial Statements$0
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Association Credit Union Foundation IncNorcross, GA501(c)(3)General support and operations$87,173
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$3,763,000$4,010,000▲ $247,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$1,333,316,112
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 162,597 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 11B

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
2018-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
C Lin Hodges
Formed
1930
Legal Domicile
Ga
Voting Board Members
13
Independent Board Members
12
Employees
393
Volunteers
18

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 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 from most federal, state, and local taxes under the provisions of the Internal Revenue Code and state tax laws. However, the Credit Union is subject to unrelated business income tax. The Income Taxes Topic of the FASB ASC clarifies accounting for uncertainty in income taxes reported in the financial statements. The interpretation provides criteria for assessment of individual tax positions and a process for recognition and measurement of uncertain tax positions. Tax positions are evaluated on whether they meet the "more likely than not" standard for sustainability on examination by tax authorities. As of and for the years ended December 31, 2017 and 2016, Management has determined there are no material uncertain tax positions. However, the Credit Union is subject to unrelated business income tax.

Part XII, Line 2D - Other Adjustments:

Change in Entrance Fees 56,670.

Raw XML AppendixShowing 400 of 838 raw XML fields

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

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt017915380
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt016728838
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0State-Chartered Credit Union that offers members financial products that fulfill their needs, services that exceed their expectations, and relationships that inspire their trust.
IRS990/AdvertisingGrp/TotalAmt01647894
IRS990/AllOtherExpensesGrp/TotalAmt0983343
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0Beth R Tynan
IRS990/BooksInCareOfDetail/PhoneNum07703682117
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt06251 Crooked Creek Road
IRS990/BooksInCareOfDetail/USAddress/CityNm0Norcross
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0300923107
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt010203598
IRS990/CashNonInterestBearingGrp/EOYAmt010528842
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt05
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt02602164
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt0343156
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt01737299
IRS990/ContractorCompensationGrp/CompensationAmt1849962
IRS990/ContractorCompensationGrp/CompensationAmt2477169
IRS990/ContractorCompensationGrp/CompensationAmt3336592
IRS990/ContractorCompensationGrp/CompensationAmt4207311
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO Box 515306
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1PO Box 609
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2PO Box 5019
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt340 Technology Parkway
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt43280 Peachtree Road
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0Los Angeles
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1Dallas
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2Carol Stream
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3Norcross
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4Atlanta
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0CA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4GA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd090051
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd175320
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd230197
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd330092
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd430305
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0Digital Insight
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1Jack Henry & Associates
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2AT&T
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3ThompsonO'Brien Kemp & nasuti
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4Cumulus Media
IRS990/ContractorCompensationGrp/ServicesDesc0Home Banking Vendor
IRS990/ContractorCompensationGrp/ServicesDesc1Data Processing Vendor
IRS990/ContractorCompensationGrp/ServicesDesc2Communication Services
IRS990/ContractorCompensationGrp/ServicesDesc3Legal Services
IRS990/ContractorCompensationGrp/ServicesDesc4Marketing and Media
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt087173
IRS990/CYInvestmentIncomeAmt04141014
IRS990/CYOtherExpensesAmt034410578
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt064899753
IRS990/CYRevenuesLessExpensesAmt09992912
IRS990/CYSalariesCompEmpBnftPaidAmt024550104
IRS990/CYTotalExpensesAmt059047855
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt069040767
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt01434470
IRS990/Desc0Associated Credit Union is a full-service financial institution offering a wide variety of products and services to over 150,000 members in the state of Georgia.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0393
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt099415
IRS990/FeesForServicesLegalGrp/TotalAmt043917
IRS990/FeesForServicesOtherGrp/TotalAmt02036440
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt121.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1540.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt2340.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/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/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1324727
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1469800
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1520839
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1625069
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt178332
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1838615
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1912376
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2040403
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2119550
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2213840
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt238951
IRS990/Form990PartVIISectionAGrp/PersonNm0James C Barbre
IRS990/Form990PartVIISectionAGrp/PersonNm1Mike Collins
IRS990/Form990PartVIISectionAGrp/PersonNm2Chuck Gehrmann
IRS990/Form990PartVIISectionAGrp/PersonNm3Harvey Campbell
IRS990/Form990PartVIISectionAGrp/PersonNm4George M Clarke
IRS990/Form990PartVIISectionAGrp/PersonNm5Keith Gettmann
IRS990/Form990PartVIISectionAGrp/PersonNm6Tim F Kercheval
IRS990/Form990PartVIISectionAGrp/PersonNm7Margaret Pittman
IRS990/Form990PartVIISectionAGrp/PersonNm8Doyle Spears
IRS990/Form990PartVIISectionAGrp/PersonNm9John Petros
IRS990/Form990PartVIISectionAGrp/PersonNm10Ron Ford
IRS990/Form990PartVIISectionAGrp/PersonNm11Allen Bryan
IRS990/Form990PartVIISectionAGrp/PersonNm12Exceptional Harden
IRS990/Form990PartVIISectionAGrp/PersonNm13Lin Hodges
IRS990/Form990PartVIISectionAGrp/PersonNm14Greg Connor
IRS990/Form990PartVIISectionAGrp/PersonNm15Tim Bridges
IRS990/Form990PartVIISectionAGrp/PersonNm16Mark Waller
IRS990/Form990PartVIISectionAGrp/PersonNm17Karl Mann
IRS990/Form990PartVIISectionAGrp/PersonNm18Tom Maiellaro
IRS990/Form990PartVIISectionAGrp/PersonNm19Jeffrey Bergum
IRS990/Form990PartVIISectionAGrp/PersonNm20Jim LaFond
IRS990/Form990PartVIISectionAGrp/PersonNm21Beth Tynan
IRS990/Form990PartVIISectionAGrp/PersonNm22Todd W Chandler
IRS990/Form990PartVIISectionAGrp/PersonNm23Chadwick Evans
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt09866
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt29556
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt49476
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt59055
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt69012
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt79568
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt89403
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt98250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt109203
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt119263
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt129000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13774912
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14465025
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15333774
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16316301
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17235617
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18178500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19169907
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20149661
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21148301
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22151825
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23160162
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/ReportableCompFromRltdOrgAmt230
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/TitleTxt12Director
IRS990/Form990PartVIISectionAGrp/TitleTxt13President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14Executive VP
IRS990/Form990PartVIISectionAGrp/TitleTxt15Executive VP/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16EVP/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP/Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt19AVP/Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP/Risk Management
IRS990/Form990PartVIISectionAGrp/TitleTxt21AVP/Controller
IRS990/Form990PartVIISectionAGrp/TitleTxt22AVP Digital Services
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP/Consumer Lending
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01930
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt010547
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt013
IRS990/GrantsToDomesticOrgsGrp/TotalAmt087173
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt010547
IRS990/GrossReceiptsAmt069040767
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt016
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0284606
IRS990/InsuranceGrp/TotalAmt0294396
IRS990/InterestGrp/TotalAmt04798769
IRS990/InvestmentIncomeGrp/ExclusionAmt04130467
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04130467
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0237827357
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0151603286
IRS990/InvestmentsProgramRelatedGrp/BOYAmt08625974
IRS990/InvestmentsProgramRelatedGrp/EOYAmt04067356
IRS990/IRPDocumentCnt033583
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt014642309
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011836206
IRS990/LandBldgEquipBasisNetGrp/EOYAmt014041200
IRS990/LandBldgEquipCostOrOtherBssAmt028683509
IRS990/LegalDomicileStateCd0GA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
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/NetAssetsOrFundBalancesBOYAmt0174252050
IRS990/NetAssetsOrFundBalancesEOYAmt0183478038
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt010547
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt010547
IRS990/NetUnrelatedBusTxblIncmAmt0-190600
IRS990/NetUnrlzdGainsLossesInvstAmt0-766924
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01324129
IRS990/OfficeExpensesGrp/TotalAmt04678313
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt071745013
IRS990/OtherAssetsTotalGrp/EOYAmt063533441
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03369333
IRS990/OtherExpensesGrp/Desc0Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc2Debit Card Services Exp
IRS990/OtherExpensesGrp/Desc3Miscellaneous Operating
IRS990/OtherExpensesGrp/TotalAmt06875000
IRS990/OtherExpensesGrp/TotalAmt15574584
IRS990/OtherExpensesGrp/TotalAmt23027803
IRS990/OtherExpensesGrp/TotalAmt3649124
IRS990/OtherLiabilitiesGrp/BOYAmt01273848152
IRS990/OtherLiabilitiesGrp/EOYAmt01333316112
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherSalariesAndWagesGrp/TotalAmt016413862
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0989293249
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01121777150
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01278500
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0886245
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/RelatedOrExemptFuncIncomeAmt038705703
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt116324250
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt29229579
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3640221
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt038705703
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116324250
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt29229579
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3640221
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt03881615
IRS990/PYOtherExpensesAmt031704592
IRS990/PYOtherRevenueAmt00

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
2017Detailed filing. Detailed filing data is available for this year.$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