Civic Intelligence

Associated Credit Union

990 • Fiscal year 2016 • EIN 58-0240950

Jan 01, 2016 to Dec 31, 2016 • Filed on Jan 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

21st percentile

0.88x

Higher debt load relative to assets than 21% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

58th percentile

20.30x

Higher debt load relative to revenue than 58% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

27th percentile

14%

Higher net margin than 27% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

54th percentile

$887,589

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

25th percentile

6.1%

Faster asset growth than 25% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

13th percentile

4.2%

Faster revenue growth than 13% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Assets

Up

$1,466,015,582

Up $84,248,484 (+6.1%) from 2015

Net Assets

Up

$174,252,050

Up $9,265,060 (+5.6%) from 2015

Liabilities

Up

$1,291,763,532

Up $74,983,424 (+6.2%) from 2015

Revenue

Up

$63,625,231

Up $2,569,843 (+4.2%) from 2015

Expenses

Up

$54,780,315

Up $2,036,300 (+3.9%) from 2015

Net Income

Up

$8,844,916

Up $533,543 (+6.4%) from 2015

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

2016

Assets$1,466,015,582
Liabilities$1,291,763,532
Net Assets$174,252,050

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

2016

Revenue$63,625,231
Expenses$54,780,315
Net Income$8,844,916
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jan 15, 2018
Return Version
2016v3.0
Gross Receipts
$63,625,231
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$907,167,175$989,293,249▲ $82,126,074
Investments Other Securities$330,652,908$237,827,357▼ $92,825,551
Rtn Earn Endowment Incm Other Fnds$164,986,990$174,252,050▲ $9,265,060
Savings and Temporary Cash Investments$77,710,375$132,721,185▲ $55,010,810
Land, Buildings, and Equipment, Net$12,090,685$11,836,206▼ $254,479
Cash and Non-Interest-Bearing Accounts$10,768,590$10,203,598▼ $564,992
Investments Program Related$4,415,500$8,625,974▲ $4,210,474
Receivables From Officers Etc$2,850,000$3,763,000▲ $913,000
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,381,767,098$1,466,015,582▲ $84,248,484
Other Assets Total$36,111,865$71,745,013▲ $35,633,148
Liabilities
Other Liabilities$1,201,931,194$1,273,848,152▲ $71,916,958
Accounts Payable and Accrued Expenses$14,848,914$17,915,380▲ $3,066,466
Total Liabilities$1,216,780,108$1,291,763,532▲ $74,983,424
Net Assets / Fund Balance
Total Net Assets Fund Balance$164,986,990$174,252,050▲ $9,265,060
Total Liabilities and Net Assets / Fund Balance$1,381,767,098$1,466,015,582▲ $84,248,484

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$6,119,688$6,898,724$13,018,412
Equipment$1,928,739$6,469,628$8,398,367
Land$3,208,981-$3,208,981
Leasehold Improvements$578,798$190,885$769,683
Other Securities$7,256,484--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
William BaumVP/LoansFT$92,152$795,437$887,589
Lin HodgesPresident/CEOFT$555,410$167,146$722,556
Deborah TuttleVP/OperationsFT$31,122$679,373$710,495
Greg ConnorExecutive VPFT$314,266$130,270$444,536
Tim BridgesExecutive VP/CFOFT$255,147$70,518$325,665
Mark WallerEvp/COOFT$227,623$95,261$322,884
Karl MannVP/CIOFT$192,360$38,670$231,030
Tom MaiellaroVP/MarketingFT$142,758$64,918$207,676
Jeffrey BergumVP/Retail ServicesFT$141,584$33,064$174,648
Pamela MottVP/TrainingFT$138,800$28,519$167,319
Todd ChandlerAVP/Information TechnologyFT$127,813$32,875$160,688
Chad EvansVP/Contact CenterFT$124,748$26,470$151,218
Allen BryanDirector-$9,000-$9,000
Keith GettmannDirector-$9,000-$9,000
Mike CollinsDirector-$9,000-$9,000
Ron FordDirector-$9,000-$9,000
Doyle SpearsDirector-$8,250-$8,250
George ClarkeDirector-$8,250-$8,250
James C BarbreDirector-$8,250-$8,250
Margaret PittmanDirector-$8,250-$8,250
Chuck GehrmannDirector-$7,500-$7,500
Exceptional HardenDirector-$7,500-$7,500
John PetrosDirector-$7,500-$7,500
Tim F KerchevalDirector-$7,500-$7,500
Harvey CampbellDirector-$1,500-$1,500

Highest Paid Contractors

ContractorServicesLocationCompensation
Digital Insight CorporationHome Banking VendorPO Box 515306, Los Angeles, CA 90051$1,716,944
Jack Henry & Associates IncBank Automation Solutions11395 Old Roswell Road, Alpharetta, GA 30009$926,930
Thompson O'Brien Kemp & Nasuti PCLegal Services40 Technology Parkway, Norcross, GA 30092$500,370
At&tCommunication ServicesPO Box 5019, Carol Stream, IL 30197$437,604
iHeartMediaMarketing and the mediaPO Box 406372, Atlanta, GA 30384$306,148
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$59,743,616
Investment Income
$3,881,615
Other Revenue
$0
Change in Net Assets
$8,844,916

Audited Revenue Reconciliation

Revenue per Audited Statements
$63,625,231
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$63,625,231
Total Revenue per Form 990
$63,625,231
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$31,704,592
Salaries, Compensation, and Employee Benefits$23,075,723
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$15,574,289
Office Expenses---$4,480,697
Interest---$4,321,217
Other Employee Benefits---$3,181,209
Current Officers, Directors, Trustees, and Key Employees---$2,301,059
Fees for Services Other---$1,988,684
Advertising---$1,651,498
Depreciation Depletion---$1,398,605
Payroll Taxes---$1,221,043
Occupancy---$1,211,957
Other Expenses---$953,048
All Other Expenses---$928,789
Pension Plan Contributions---$798,123
Conferences and Meetings---$327,728
Information Technology---$302,818
Insurance---$287,211
Travel---$285,734
Fees for Services Legal---$132,130
Fees for Services Accounting---$97,800
Total Functional Expenses$0$0$0$54,780,315

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$54,837,655
Expenses per Audited Statements$54,780,315
Total Expenses per Form 990$54,780,315
Expenses Not Reported on Form 990$57,340
Expenses Not Reported on Financial Statements$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$2,850,000$3,763,000▲ $913,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares and Deposits$1,273,848,152
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 159,962 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
2018-01-15
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
386
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 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, 2016 and 2015, 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 57,340.

Raw XML AppendixShowing 400 of 853 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.

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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/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
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/OtherCompensationAmt1327146
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1467270
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1520518
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1630261
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1710639
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt181052
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1924539
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2014296
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2143883
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2212179
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt2315312
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt249818
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/PersonNm10Exceptional Harden
IRS990/Form990PartVIISectionAGrp/PersonNm11Allen Bryan
IRS990/Form990PartVIISectionAGrp/PersonNm12George Clarke
IRS990/Form990PartVIISectionAGrp/PersonNm13Lin Hodges
IRS990/Form990PartVIISectionAGrp/PersonNm14Greg Connor
IRS990/Form990PartVIISectionAGrp/PersonNm15Tim Bridges
IRS990/Form990PartVIISectionAGrp/PersonNm16Mark Waller
IRS990/Form990PartVIISectionAGrp/PersonNm17Karl Mann
IRS990/Form990PartVIISectionAGrp/PersonNm18Deborah Tuttle
IRS990/Form990PartVIISectionAGrp/PersonNm19William Baum
IRS990/Form990PartVIISectionAGrp/PersonNm20Pamela Mott
IRS990/Form990PartVIISectionAGrp/PersonNm21Tom Maiellaro
IRS990/Form990PartVIISectionAGrp/PersonNm22Jeffrey Bergum
IRS990/Form990PartVIISectionAGrp/PersonNm23Todd Chandler
IRS990/Form990PartVIISectionAGrp/PersonNm24Chad Evans
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt08250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt27500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt31500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt49000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt57500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt68250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt78250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt87500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt99000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt107500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt119000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt128250
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13695410
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14377266
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15305147
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16292623
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt17220391
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt18709443
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19863050
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20153023
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21163793
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt22162469
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt23145376
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt24141400
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/ReportableCompFromRltdOrgAmt240
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/Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP/Loans
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP/Training
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP/Marketing
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP/Retail Services
IRS990/Form990PartVIISectionAGrp/TitleTxt23AVP/Information Technology
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP/Contact Center
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01930
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt018916
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt013
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt018916
IRS990/GrossReceiptsAmt063625231
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt018
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0302818
IRS990/InsuranceGrp/TotalAmt0287211
IRS990/InterestGrp/TotalAmt04321217
IRS990/InvestmentIncomeGrp/ExclusionAmt03862699
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03862699
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0330652908
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0237827357
IRS990/InvestmentsProgramRelatedGrp/BOYAmt04415500
IRS990/InvestmentsProgramRelatedGrp/EOYAmt08625974
IRS990/IRPDocumentCnt031864
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt013559237
IRS990/LandBldgEquipBasisNetGrp/BOYAmt012090685
IRS990/LandBldgEquipBasisNetGrp/EOYAmt011836206
IRS990/LandBldgEquipCostOrOtherBssAmt025395443
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/NetAssetsOrFundBalancesBOYAmt0164986990
IRS990/NetAssetsOrFundBalancesEOYAmt0174252050
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt018916
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt018916
IRS990/NetUnrelatedBusTxblIncmAmt0-115434
IRS990/NetUnrlzdGainsLossesInvstAmt0420144
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt01211957
IRS990/OfficeExpensesGrp/TotalAmt04480697
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt036111865
IRS990/OtherAssetsTotalGrp/EOYAmt071745013
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt03181209
IRS990/OtherExpensesGrp/Desc0Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc1Provision for Loan Loss
IRS990/OtherExpensesGrp/Desc2ATM Expenses
IRS990/OtherExpensesGrp/Desc3ATM,Credit Cd, etc Loss
IRS990/OtherExpensesGrp/TotalAmt05374187
IRS990/OtherExpensesGrp/TotalAmt15015000
IRS990/OtherExpensesGrp/TotalAmt22947489
IRS990/OtherExpensesGrp/TotalAmt3953048
IRS990/OtherLiabilitiesGrp/BOYAmt01201931194
IRS990/OtherLiabilitiesGrp/EOYAmt01273848152
IRS990/OtherOrganizationDsc0Credit Union
IRS990/OtherSalariesAndWagesGrp/TotalAmt015574289
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0907167175
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0989293249
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt01221043
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0798123
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/RelatedOrExemptFuncIncomeAmt032696512
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt116155842
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt29221718
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31036133
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt032696512
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116789253
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt29221718
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31036133

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
2016Detailed filing. Detailed filing data is available for this year.$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