Civic Intelligence

Family First Credit Union

EIN 58-0250755 • 501(c)14 • Hapeville, GA

View Organization Page

Profile

Providing financial services thrift savings and lending to member owners of the cooperative.

3604 Atlanta AveHapeville, GA 30354

www.ffcuga.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

29th percentile

0.87x

Higher debt load relative to assets than 29% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

55th percentile

15.54x

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

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

15th percentile

2.6%

Higher net margin than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

43rd percentile

$219,693

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 3.0% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

25th percentile

0.0%

Faster asset growth than 25% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

5th percentile

-5.3%

Faster revenue growth than 5% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$129,821,723

Up $46,807 (+0.0%) from 2023

Liabilities

Down

$113,381,959

Down $273,597 (-0.2%) from 2023

Net Assets

Up

$16,439,764

Up $320,404 (+2.0%) from 2023

Operations
Liabilities / Revenue55th percentileNet Margin15th percentile

Revenue

Down

$7,294,421

Down $405,211 (-5.3%) from 2023

Expenses

Up

$7,105,087

Up $638,398 (+9.9%) from 2023

Net Income

Down

$189,334

Down $1,043,609 (-85%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$150M$100M$50M$0Assets 2010: $79,499,152Liabilities 2010: $68,342,630Net Assets 2010: $11,156,5222010Assets 2011: $85,126,849Liabilities 2011: $74,151,110Net Assets 2011: $10,975,7392011Assets 2012: $87,829,097Liabilities 2012: $78,379,436Net Assets 2012: $9,449,6612012Assets 2013: $86,717,612Liabilities 2013: $76,789,524Net Assets 2013: $9,928,0882013Assets 2014: $90,065,694Liabilities 2014: $79,433,243Net Assets 2014: $10,632,4512014Assets 2015: $91,174,441Liabilities 2015: $80,754,841Net Assets 2015: $10,419,6002015Assets 2016: $93,046,007Liabilities 2016: $82,866,638Net Assets 2016: $10,179,3692016Assets 2017: $95,811,418Liabilities 2017: $85,140,574Net Assets 2017: $10,670,8442017Assets 2018: $108,123,956Liabilities 2018: $95,583,420Net Assets 2018: $12,540,5362018Assets 2019: $102,899,466Liabilities 2019: $89,530,428Net Assets 2019: $13,369,0382019Assets 2020: $124,508,605Liabilities 2020: $110,736,224Net Assets 2020: $13,772,3812020Assets 2021: $135,533,846Liabilities 2021: $121,446,710Net Assets 2021: $14,087,1362021Assets 2022: $137,596,957Liabilities 2022: $122,648,146Net Assets 2022: $14,948,8112022Assets 2023: $129,774,916Liabilities 2023: $113,655,556Net Assets 2023: $16,119,3602023Assets 2024: $129,821,723Liabilities 2024: $113,381,959Net Assets 2024: $16,439,7642024

Highlighted filing

2024

Assets$129,821,723
Liabilities$113,381,959
Net Assets$16,439,764
Open 2024 Filing

Operations Trend

Revenue Growth5th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,686,5572010Expenses 2011: $4,794,7292011Expenses 2012: $5,566,6632012Revenue 2013: $4,649,947Expenses 2013: $4,309,540Net Income 2013: $340,4072013Revenue 2014: $4,835,025Expenses 2014: $4,144,555Net Income 2014: $690,4702014Revenue 2015: $5,010,096Expenses 2015: $4,721,798Net Income 2015: $288,2982015Revenue 2016: $4,956,028Expenses 2016: $5,137,458Net Income 2016: -$181,4302016Revenue 2017: $5,101,843Expenses 2017: $4,805,655Net Income 2017: $296,1882017Revenue 2018: $5,536,650Expenses 2018: $4,970,770Net Income 2018: $565,8802018Revenue 2019: $6,497,152Expenses 2019: $5,702,833Net Income 2019: $794,3192019Revenue 2020: $5,338,583Expenses 2020: $4,937,494Net Income 2020: $401,0892020Revenue 2021: $5,167,043Expenses 2021: $4,856,663Net Income 2021: $310,3802021Revenue 2022: $6,081,571Expenses 2022: $5,294,442Net Income 2022: $787,1292022Revenue 2023: $7,699,632Expenses 2023: $6,466,689Net Income 2023: $1,232,9432023Revenue 2024: $7,294,421Expenses 2024: $7,105,087Net Income 2024: $189,3342024

Highlighted filing

2024

Revenue$7,294,421
Expenses$7,105,087
Net Income$189,334
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$129,821,723
Liabilities
$113,381,959
Net assets
$16,439,764
Revenue
$7,294,421
Expenses
$7,105,087
Net income
$189,334
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$130$113$16.4$7.29$7.11$0.19
2023Detailed filing. Detailed filing data is available for this year.$130$114$16.1$7.70$6.47$1.23
2022Detailed filing. Detailed filing data is available for this year.$138$123$14.9$6.08$5.29$0.79
2021Detailed filing. Detailed filing data is available for this year.$136$121$14.1$5.17$4.86$0.31
2020Detailed filing. Detailed filing data is available for this year.$125$111$13.8$5.34$4.94$0.40
2019Detailed filing. Detailed filing data is available for this year.$103$89.5$13.4$6.50$5.70$0.79
2018Detailed filing. Detailed filing data is available for this year.$108$95.6$12.5$5.54$4.97$0.57
2017Detailed filing. Detailed filing data is available for this year.$95.8$85.1$10.7$5.10$4.81$0.30
2016Detailed filing. Detailed filing data is available for this year.$93.0$82.9$10.2$4.96$5.14$0.18
2015Summary only. Only limited summary data is available for this year.$91.2$80.8$10.4$5.01$4.72$0.29
2014Detailed filing. Detailed filing data is available for this year.$90.1$79.4$10.6$4.84$4.14$0.69
2013Detailed filing. Detailed filing data is available for this year.$86.7$76.8$9.93$4.65$4.31$0.34
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$87.8$78.4$9.45$5.57
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$85.1$74.2$11.0$4.79
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$79.5$68.3$11.2$4.69
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 15, 2025
Return Version
2024v5.1
Gross Receipts
$7,294,421
Mission and Program Overview

Mission

Providing financial services, thrift savings and lending to member owners of the cooperative.

Providing financial services thrift savings and lending to member owners of the cooperative.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$87,938,088$84,340,007▼ $3,598,081
Savings and Temporary Cash Investments$30,085,707$32,787,186▲ $2,701,479
Rtn Earn Endowment Incm Other Fnds$16,119,360$16,439,764▲ $320,404
Land, Buildings, and Equipment, Net$3,519,339$3,518,999▼ $340
Cash and Non-Interest-Bearing Accounts$1,348,370$1,661,062▲ $312,692
Accounts Receivable$2,609,606$1,022,186▼ $1,587,420
Investments Program Related$347,784$322,648▼ $25,136
Prepaid Expenses and Deferred Charges$252,705$259,361▲ $6,656
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$129,774,916$129,821,723▲ $46,807
Other Assets Total$3,673,317$5,910,274▲ $2,236,957
Liabilities
Other Liabilities$112,178,363$111,897,532▼ $280,831
Accounts Payable and Accrued Expenses$1,477,193$1,484,427▲ $7,234
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$113,655,556$113,381,959▼ $273,597
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,119,360$16,439,764▲ $320,404
Total Liabilities and Net Assets / Fund Balance$129,774,916$129,821,723▲ $46,807

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,898,403$1,310,294$4,208,697
Equipment$111,000$849,161$960,161
Land$509,596-$509,596
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephen SmithPresident and CEOFT$197,922$33,646$231,568
Adam StovallEVP and CFOFT$150,000$16,500$166,500
Kimberly EcholsCOOFT$111,777-$111,777
Wayne PikeCIOFT$91,437-$91,437
James HelmsEVP and CFO-$42,496-$42,496

Board Members and Trustees

NameTitle
Carylon BrownDirector and Chair
Marvin ReddishDirector and Vice-Chair
Brenda Bridges-WardDirector
Dan GilletteDirector
David HeltonDirector
Louis KennedyDirector
Rosa DurrahDirector
Pat McBurnettDirector and Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,693,195
Investment Income
$601,226
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$189,334
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,854,873
Salaries, Compensation, and Employee Benefits$3,250,214
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,656,505$0$0$1,656,505
Interest$1,427,510$0$0$1,427,510
Current Officers, Directors, Trustees, and Key Employees$631,903$0$0$631,903
Other Employee Benefits$605,194$0$0$605,194
Information Technology$473,554$0$0$473,554
Office Expenses$411,848$0$0$411,848
Occupancy$0$227,014$0$227,014
Pension Plan Contributions$225,859$0$0$225,859
All Other Expenses$0$159,182$0$159,182
Depreciation Depletion$0$131,039$0$131,039
Payroll Taxes$130,753$0$0$130,753
Advertising$0$0$0$109,981
Fees for Services Other$67,291$0$0$67,291
Insurance$0$54,371$0$54,371
Fees for Services Accounting$43,500$0$0$43,500
Conferences and Meetings$0$30,660$0$30,660
Fees for Services Legal$3,034$0$0$3,034
Total Functional Expenses$6,366,179$628,927$0$7,105,087
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members deposit accounts and certificates of deposit$111,864,787
Interest payable on deposits$32,745
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“The Credit Unions field of membership is composed of people who share a specific geographic common bond as well as other several other groups.”

Part VI, Line 7A

“| Class of the Person: Nature of their rights:| Members Members must be within the approved field of membership.|”

Part VI, Line 11B

“A copy of the Form 990 is distributed to each member of the Board of Directors for review.”

Part VI, Line 12C

“Add”

Part VI, Line 15

“| Name of the Person: The process used to establish compensation of the person who served in:| The year in which this process was last undertaken:| Stephen Smith A committee of five Board members determines the compensation of the CEO which is approved by the entire Board. 2024 Kim Echols A committee of five Board members determines the compensation of Officers which is approved by the entire Board. 2024| Adam Stovall A committee of five Board members determines the compensation of Officers which is approved by the entire Board. 2024|Wayne Pike A committee of five Board members determines the compensation of Officers which is approved by the entire Board.”

Part VI, Line 19

“Financial statements are posted in the Credit Union offices monthly. Other documents are available upon request at the Main Office.”

Filing and Contact Details

Filer

Filer Name
Family First Credit Union
EIN
58-0250755
In Care Of
% S Adam Stovall
Phone
4047684980
Address
3604 Atlanta Ave, Hapeville, GA 30354
Doing Business As
Family First Credit Union

Signing Officer

Name
Adam Stovall
Title
Evp CFO
Signed
2025-05-15

Organization Details

Principal Officer
S Adam Stovall
Formed
1930
Legal Domicile
Ga
Voting Board Members
11
Independent Board Members
10
Employees
47
Volunteers
10
Supplemental Narrative

Additional Explanations

Part XI, Line 9

“| Description:, Explanation:, Amount:| Accumulated other comprehensive income changed by $131,071 which is related to the valuation of the defined benefit pension plan., Change in Accumulated Other Comprehensive Income, $131070|”

Raw XML AppendixShowing 400 of 692 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/PersonNm0Stephen Smith
IRS990/Form990PartVIISectionAGrp/PersonNm1Carylon Brown
IRS990/Form990PartVIISectionAGrp/PersonNm2Rosa Durrah
IRS990/Form990PartVIISectionAGrp/PersonNm3Dan Gillette
IRS990/Form990PartVIISectionAGrp/PersonNm4David Helton
IRS990/Form990PartVIISectionAGrp/PersonNm5Brenda Bridges-Ward
IRS990/Form990PartVIISectionAGrp/PersonNm6Pat McBurnett
IRS990/Form990PartVIISectionAGrp/PersonNm7Marvin Reddish
IRS990/Form990PartVIISectionAGrp/PersonNm8Louis Kennedy
IRS990/Form990PartVIISectionAGrp/PersonNm9Adam Stovall
IRS990/Form990PartVIISectionAGrp/PersonNm10Kimberly Echols
IRS990/Form990PartVIISectionAGrp/PersonNm11Wayne Pike
IRS990/Form990PartVIISectionAGrp/PersonNm12James Helms
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President and CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director and Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director and Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director and Vice-Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
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