Civic Intelligence

The Savannah Postal Credit Union

EIN 58-0626152 • 501(c)14 • Savannah, GA

View Organization Page

Profile

To provide thrift savings and borrowings to members of an owned cooperative

22 Oglethorpe Prof BlvdSavannah, GA 31406

savannahpostalcu.com

Siviq Scores

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

Liabilities / Assets

51st percentile

0.85x

Higher debt load relative to assets than 51% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

27th percentile

12.60x

Higher debt load relative to revenue than 27% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

79th percentile

20%

Higher net margin than 79% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

40th percentile

$73,262

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 4.4% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

36th percentile

-2.0%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

61st percentile

9.3%

Faster revenue growth than 61% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets51st percentile

Assets

Down

$24,313,324

Down $483,847 (-2.0%) from 2023

Liabilities

Down

$20,763,903

Down $744,080 (-3.5%) from 2023

Net Assets

Up

$3,549,421

Up $260,233 (+7.9%) from 2023

Operations
Liabilities / Revenue27th percentileNet Margin79th percentile

Revenue

Up

$1,647,499

Up $140,689 (+9.3%) from 2023

Expenses

Up

$1,313,504

Up $266,512 (+25%) from 2023

Net Income

Down

$333,995

Down $125,823 (-27%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$30M$20M$10M$0Assets 2010: $15,151,561Liabilities 2010: $12,392,844Net Assets 2010: $2,758,7172010Assets 2011: $16,198,045Liabilities 2011: $13,396,667Net Assets 2011: $2,801,3782011Assets 2012: $17,351,399Liabilities 2012: $14,539,863Net Assets 2012: $2,811,5362012Assets 2013: $18,439,971Liabilities 2013: $15,605,999Net Assets 2013: $2,833,9722013Assets 2014: $18,935,299Liabilities 2014: $16,077,019Net Assets 2014: $2,858,2802014Assets 2016: $19,778,309Liabilities 2016: $16,800,268Net Assets 2016: $2,978,0412016Assets 2017: $19,120,560Liabilities 2017: $16,122,679Net Assets 2017: $2,997,8812017Assets 2018: $19,143,704Liabilities 2018: $16,097,204Net Assets 2018: $3,046,5002018Assets 2019: $19,092,468Liabilities 2019: $15,968,431Net Assets 2019: $3,124,0372019Assets 2020: $22,462,762Liabilities 2020: $19,483,248Net Assets 2020: $2,979,5142020Assets 2021: $24,804,606Liabilities 2021: $21,909,527Net Assets 2021: $2,895,0792021Assets 2022: $25,881,580Liabilities 2022: $22,934,742Net Assets 2022: $2,946,8382022Assets 2023: $24,797,171Liabilities 2023: $21,507,983Net Assets 2023: $3,289,1882023Assets 2024: $24,313,324Liabilities 2024: $20,763,903Net Assets 2024: $3,549,4212024

Highlighted filing

2024

Assets$24,313,324
Liabilities$20,763,903
Net Assets$3,549,421
Open 2024 Filing

Operations Trend

Revenue Growth61st percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $991,6592010Expenses 2011: $1,013,9932011Expenses 2012: $1,036,8152012Revenue 2013: $1,046,656Expenses 2013: $1,024,220Net Income 2013: $22,4362013Revenue 2014: $1,080,507Expenses 2014: $1,056,199Net Income 2014: $24,3082014Revenue 2016: $1,084,177Expenses 2016: $1,046,585Net Income 2016: $37,5922016Revenue 2017: $1,039,748Expenses 2017: $1,020,835Net Income 2017: $18,9132017Revenue 2018: $1,090,698Expenses 2018: $1,048,358Net Income 2018: $42,3402018Revenue 2019: $1,185,398Expenses 2019: $1,050,716Net Income 2019: $134,6822019Revenue 2020: $976,320Expenses 2020: $1,077,371Net Income 2020: -$101,0512020Revenue 2021: $902,677Expenses 2021: $987,592Net Income 2021: -$84,9152021Revenue 2022: $1,103,568Expenses 2022: $1,061,273Net Income 2022: $42,2952022Revenue 2023: $1,506,810Expenses 2023: $1,046,992Net Income 2023: $459,8182023Revenue 2024: $1,647,499Expenses 2024: $1,313,504Net Income 2024: $333,9952024

Highlighted filing

2024

Revenue$1,647,499
Expenses$1,313,504
Net Income$333,995
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$24,313,324
Liabilities
$20,763,903
Net assets
$3,549,421
Revenue
$1,647,499
Expenses
$1,313,504
Net income
$333,995
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.3$20.8$3.55$1.65$1.31$0.33
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.8$21.5$3.29$1.51$1.05$0.46
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.9$22.9$2.95$1.10$1.06$0.04
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.8$21.9$2.90$0.90$0.99$0.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.5$19.5$2.98$0.98$1.08$0.10
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.1$16.0$3.12$1.19$1.05$0.13
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.1$16.1$3.05$1.09$1.05$0.04
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.1$16.1$3.00$1.04$1.02$0.02
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.8$16.8$2.98$1.08$1.05$0.04
2014Detailed filing. Detailed filing data is available for this year.$18.9$16.1$2.86$1.08$1.06$0.02
2013Detailed filing. Detailed filing data is available for this year.$18.4$15.6$2.83$1.05$1.02$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.4$14.5$2.81$1.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.2$13.4$2.80$1.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.2$12.4$2.76$0.99
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 12, 2025
Return Version
2024v5.0
Gross Receipts
$1,647,499
Mission and Program Overview

Mission

To provide thrift savings and borrowings to members of an owned cooperative.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,202,031$12,117,745▲ $915,714
Savings and Temporary Cash Investments$8,534,000$11,248,505▲ $2,714,505
Rtn Earn Endowment Incm Other Fnds$3,289,188$3,549,421▲ $260,233
Land, Buildings, and Equipment, Net$459,182$462,881▲ $3,699
Cash and Non-Interest-Bearing Accounts$4,211,489$145,502▼ $4,065,987
Prepaid Expenses and Deferred Charges$36,326$7,064▼ $29,262
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$24,797,171$24,313,324▼ $483,847
Other Assets Total$354,143$331,627▼ $22,516
Liabilities
Other Liabilities$21,033,183$20,464,230▼ $568,953
Accounts Payable and Accrued Expenses$474,800$299,673▼ $175,127
Total Liabilities$21,507,983$20,763,903▼ $744,080
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,289,188$3,549,421▲ $260,233
Total Liabilities and Net Assets / Fund Balance$24,797,171$24,313,324▼ $483,847

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$251,040$446,977$0
Other Land Buildings$0$0$0
Land$160,745-$0
Equipment$51,096$549,473$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Nichole WilliamsCEOFT$73,262$73,262

Board Members and Trustees

NameTitle
Judith RogersAudit Committee Chair
David UsherChairman
Evelyn BrownCredit Committee Chair
Leroy BeasleyBoard Member
Shelby PearsonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$807,020
Investment Income
$492,167
Other Revenue
$348,312
Change in Net Assets
$333,995
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$870,722
Salaries, Compensation, and Employee Benefits$442,782
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$243,237
Other Expenses---$151,500
Other Employee Benefits---$126,283
Office Expenses---$112,478
Information Technology---$103,609
Fees for Services Other---$89,255
Occupancy---$77,269
Interest---$75,041
Current Officers, Directors, Trustees, and Key Employees---$73,262
Fees for Services Accounting---$49,186
Depreciation Depletion---$35,731
All Other Expenses---$20,072
Advertising---$11,521
Fees for Services Legal---$1,954
Travel---$480
Total Functional Expenses$0$0$0$1,313,504
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Membership Accounts$20,464,230
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members”

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

“Membership Elects Board of Directors”

Form 990, Part VI, Section A, Line 7B

“In the event a merger was being considered, the membership votes on it.”

Form 990, Part VI, Section B, Line 11B

“Management presents form 990 to the Board of Directors.”

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

“Enforced by the Board of Directors”

Form 990, Part VI, Section B, Line 15

“Compensation approved by board of directors. Employee salaries are set by management”

Form 990, Part VI, Section C, Line 19

“990 tax return is made available on guidestar.org”

Filing and Contact Details

Filer

Filer Name
Savannah Postal Credit Union
EIN
58-0626152
Phone
9126912087
Address
22 Oglethorpe Prof Blvd, Savannah, GA 31406

Signing Officer

Name
Nichole Williams
Title
CEO
Phone
9126912087
Signed
2025-11-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nichole Williams
Formed
1952
Legal Domicile
Ga
Voting Board Members
5
Independent Board Members
5
Employees
8
Volunteers
6

Preparer

Firm
LJCU Consulting
Address
PO Box 2708, Mcdonough, GA 30253
Preparer
Jason Barrett
Phone
7707220725
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“New Member Fee”

Raw XML Appendix399 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/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0474800
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0299673
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To provide thrift savings and borrowings to members of an owned cooperative.
IRS990/AdvertisingGrp/TotalAmt011521
IRS990/AllOtherExpensesGrp/TotalAmt020072
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0Nichole Williams
IRS990/BooksInCareOfDetail/PhoneNum09126912087
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt022 Oglethorpe Prof Blvd
IRS990/BooksInCareOfDetail/USAddress/CityNm0Savannah
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd031406
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt04211489
IRS990/CashNonInterestBearingGrp/EOYAmt0145502
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt073262
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0492167
IRS990/CYOtherExpensesAmt0870722
IRS990/CYOtherRevenueAmt0348312
IRS990/CYProgramServiceRevenueAmt0807020
IRS990/CYRevenuesLessExpensesAmt0333995
IRS990/CYSalariesCompEmpBnftPaidAmt0442782
IRS990/CYTotalExpensesAmt01313504
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01647499
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt035731
IRS990/Desc0TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO ALL MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt049186
IRS990/FeesForServicesLegalGrp/TotalAmt01954
IRS990/FeesForServicesOtherGrp/TotalAmt089255
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt050
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0Nichole Williams
IRS990/Form990PartVIISectionAGrp/PersonNm1David Usher
IRS990/Form990PartVIISectionAGrp/PersonNm2Judith Rogers
IRS990/Form990PartVIISectionAGrp/PersonNm3Shelby Pearson
IRS990/Form990PartVIISectionAGrp/PersonNm4Evelyn Brown
IRS990/Form990PartVIISectionAGrp/PersonNm5Leroy Beasley
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt073262
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Audit Committee Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Credit Committee Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01952
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01647499
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0103609
IRS990/InterestGrp/TotalAmt075041
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0492167
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0492167
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt0553
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0996450
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0459182
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0462881
IRS990/LandBldgEquipCostOrOtherBssAmt01459331
IRS990/LegalDomicileStateCd0GA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0To provide thrift savings and borrowings to members of an owned cooperative.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03289188
IRS990/NetAssetsOrFundBalancesEOYAmt03549421
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt077269
IRS990/OfficeExpensesGrp/TotalAmt0112478
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0354143
IRS990/OtherAssetsTotalGrp/EOYAmt0331627
IRS990/OtherChangesInNetAssetsAmt01035
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0126283
IRS990/OtherExpensesGrp/Desc0Loan Servicing
IRS990/OtherExpensesGrp/Desc1Exam
IRS990/OtherExpensesGrp/Desc2ATM/Debit Card Network expense
IRS990/OtherExpensesGrp/Desc3Provision for Loan Loss
IRS990/OtherExpensesGrp/TotalAmt09267
IRS990/OtherExpensesGrp/TotalAmt17414
IRS990/OtherExpensesGrp/TotalAmt2125945
IRS990/OtherExpensesGrp/TotalAmt3151500
IRS990/OtherLiabilitiesGrp/BOYAmt021033183
IRS990/OtherLiabilitiesGrp/EOYAmt020464230
IRS990/OtherRevenueMiscGrp/BusinessCd0522320
IRS990/OtherRevenueMiscGrp/BusinessCd1522320
IRS990/OtherRevenueMiscGrp/BusinessCd2524290
IRS990/OtherRevenueMiscGrp/Desc0Fees and Charges
IRS990/OtherRevenueMiscGrp/Desc1ATM Processing
IRS990/OtherRevenueMiscGrp/Desc2Insurance
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/ExclusionAmt20
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0222023
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt192773
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt233516
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0222023
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt192773
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt233516
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt20
IRS990/OtherRevenueTotalAmt0348312
IRS990/OtherSalariesAndWagesGrp/TotalAmt0243237
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt011202031
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt012117745
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt036326
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt07064
IRS990/PrincipalOfficerNm0Nichole Williams
IRS990/PriorPeriodAdjustmentsAmt0-74797
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans to Members
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0807020
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0807020
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt033008
IRS990/PYContributionsGrantsAmt00
IRS990/PYInvestmentIncomeAmt0467494
IRS990/PYOtherExpensesAmt0565920
IRS990/PYOtherRevenueAmt0338057
IRS990/PYProgramServiceRevenueAmt0701259
IRS990/PYRevenuesLessExpensesAmt0459818
IRS990/PYSalariesCompEmpBnftPaidAmt0448064
IRS990/PYTotalExpensesAmt01046992
IRS990/PYTotalRevenueAmt01506810
IRS990/ReconcilationRevenueExpnssAmt0333995
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03289188
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03549421
IRS990/SavingsAndTempCashInvstGrp/BOYAmt08534000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011248505
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0251040
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0446977
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0698017
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt051096
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0549473
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0600569
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0160745
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0160745
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt020464230
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Membership Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0462881
IRS990ScheduleD/TotalLiabilityAmt020464230
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Members
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Membership Elects Board of Directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2In the event a merger was being considered, the membership votes on it.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management presents form 990 to the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Enforced by the Board of Directors
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation approved by board of directors. Employee salaries are set by management
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6990 tax return is made available on guidestar.org
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7New Member Fee
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt024797171
IRS990/TotalAssetsEOYAmt024313324
IRS990/TotalAssetsGrp/BOYAmt024797171
IRS990/TotalAssetsGrp/EOYAmt024313324
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01313504
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt021507983
IRS990/TotalLiabilitiesEOYAmt020763903
IRS990/TotalLiabilitiesGrp/BOYAmt021507983
IRS990/TotalLiabilitiesGrp/EOYAmt020763903
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03289188
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03549421
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0807020
IRS990/TotalReportableCompFromOrgAmt073262
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01647499
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01647499
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt024797171
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt024313324
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0480
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/USAddress/AddressLine1Txt022 Oglethorpe Prof Blvd
IRS990/USAddress/CityNm0Savannah
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd031406
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0www.savannahpostalcu.com
IRS990/WhistleblowerPolicyInd01
ReasonableCauseExplanation/ExplanationTxt0Extension was filed
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Nichole Williams
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09126912087
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Savannah Postal Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SAVA
ReturnHeader/Filer/EIN0580626152
ReturnHeader/Filer/PhoneNum09126912087
ReturnHeader/Filer/USAddress/AddressLine1Txt022 Oglethorpe Prof Blvd
ReturnHeader/Filer/USAddress/CityNm0Savannah
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031406
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0993354546
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0LJCU Consulting
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 2708
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Mcdonough
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd030253
ReturnHeader/PreparerPersonGrp/PhoneNum07707220725
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Jason Barrett
ReturnHeader/ReturnTs02025-11-12T18:15:53-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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