Civic Intelligence

North Georgia Credit Union

EIN 58-0677211 • 501(c)14 • Toccoa, GA

View Organization Page

Profile

To provide thrift savings and borrowing as a financial cooperative to 11,773 member-owners

695 Big A RoadToccoa, GA 30577

www.ngcu.org

Siviq Scores

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

Liabilities / Assets

38th percentile

0.88x

Higher debt load relative to assets than 38% of similar nonprofits.

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

Liabilities / Revenue

17th percentile

11.81x

Higher debt load relative to revenue than 17% of similar nonprofits.

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

Net Margin

68th percentile

16%

Higher net margin than 68% of similar nonprofits.

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

Top Officer Pay

93rd percentile

$478,806

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 6.1% of source-year revenue.

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

Asset Growth

59th percentile

3.8%

Faster asset growth than 59% of similar nonprofits.

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

Revenue Growth

73rd percentile

19%

Faster revenue growth than 73% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$105,147,129

Up $3,845,189 (+3.8%) from 2023

Liabilities

Up

$92,803,767

Up $2,554,082 (+2.8%) from 2023

Net Assets

Up

$12,343,362

Up $1,291,107 (+12%) from 2023

Operations
Liabilities / Revenue17th percentileNet Margin68th percentile

Revenue

Up

$7,858,033

Up $1,227,893 (+19%) from 2023

Expenses

Up

$6,566,926

Up $1,299,814 (+25%) from 2023

Net Income

Down

$1,291,107

Down $71,921 (-5.3%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth59th percentile

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

$150M$100M$50M$0Assets 2010: $40,669,204Liabilities 2010: $37,139,580Net Assets 2010: $3,529,6242010Assets 2011: $43,426,081Liabilities 2011: $39,572,053Net Assets 2011: $3,854,0282011Assets 2012: $44,904,278Liabilities 2012: $40,626,201Net Assets 2012: $4,278,0772012Assets 2013: $46,662,712Liabilities 2013: $41,932,224Net Assets 2013: $4,730,4882013Assets 2014: $49,993,125Liabilities 2014: $44,783,024Net Assets 2014: $5,210,1012014Assets 2015: $50,396,369Liabilities 2015: $44,765,992Net Assets 2015: $5,630,3772015Assets 2016: $52,220,563Liabilities 2016: $46,279,215Net Assets 2016: $5,941,3482016Assets 2017: $55,477,732Liabilities 2017: $49,221,321Net Assets 2017: $6,256,4112017Assets 2018: $58,720,302Liabilities 2018: $51,943,453Net Assets 2018: $6,776,8492018Assets 2019: $61,297,797Liabilities 2019: $54,045,229Net Assets 2019: $7,252,5682019Assets 2020: $75,236,125Liabilities 2020: $67,467,071Net Assets 2020: $7,769,0542020Assets 2021: $83,369,989Liabilities 2021: $75,014,312Net Assets 2021: $8,355,6772021Assets 2022: $91,531,060Liabilities 2022: $81,841,833Net Assets 2022: $9,689,2272022Assets 2023: $101,301,940Liabilities 2023: $90,249,685Net Assets 2023: $11,052,2552023Assets 2024: $105,147,129Liabilities 2024: $92,803,767Net Assets 2024: $12,343,3622024

Highlighted filing

2024

Assets$105,147,129
Liabilities$92,803,767
Net Assets$12,343,362
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,094,3472010Revenue 2011: $3,420,090Expenses 2011: $3,100,392Net Income 2011: $319,6982011Expenses 2012: $3,090,8822012Revenue 2013: $3,489,500Expenses 2013: $3,037,114Net Income 2013: $452,3862013Revenue 2014: $3,391,091Expenses 2014: $2,911,513Net Income 2014: $479,5782014Revenue 2015: $3,579,702Expenses 2015: $3,159,491Net Income 2015: $420,2112015Revenue 2016: $3,759,875Expenses 2016: $3,448,904Net Income 2016: $310,9712016Revenue 2017: $3,877,425Expenses 2017: $3,562,362Net Income 2017: $315,0632017Revenue 2018: $4,162,731Expenses 2018: $3,728,021Net Income 2018: $434,7102018Revenue 2019: $4,499,685Expenses 2019: $4,023,966Net Income 2019: $475,7192019Revenue 2020: $4,608,454Expenses 2020: $4,091,968Net Income 2020: $516,4862020Revenue 2021: $4,774,997Expenses 2021: $4,188,374Net Income 2021: $586,6232021Revenue 2022: $5,525,029Expenses 2022: $4,516,142Net Income 2022: $1,008,8872022Revenue 2023: $6,630,140Expenses 2023: $5,267,112Net Income 2023: $1,363,0282023Revenue 2024: $7,858,033Expenses 2024: $6,566,926Net Income 2024: $1,291,1072024

Highlighted filing

2024

Revenue$7,858,033
Expenses$6,566,926
Net Income$1,291,107
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
$105,147,129
Liabilities
$92,803,767
Net assets
$12,343,362
Revenue
$7,858,033
Expenses
$6,566,926
Net income
$1,291,107
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$105$92.8$12.3$7.86$6.57$1.29
2023Detailed filing. Detailed filing data is available for this year.$101$90.2$11.1$6.63$5.27$1.36
2022Detailed filing. Detailed filing data is available for this year.$91.5$81.8$9.69$5.53$4.52$1.01
2021Detailed filing. Detailed filing data is available for this year.$83.4$75.0$8.36$4.77$4.19$0.59
2020Detailed filing. Detailed filing data is available for this year.$75.2$67.5$7.77$4.61$4.09$0.52
2019Detailed filing. Detailed filing data is available for this year.$61.3$54.0$7.25$4.50$4.02$0.48
2018Detailed filing. Detailed filing data is available for this year.$58.7$51.9$6.78$4.16$3.73$0.43
2017Detailed filing. Detailed filing data is available for this year.$55.5$49.2$6.26$3.88$3.56$0.32
2016Detailed filing. Detailed filing data is available for this year.$52.2$46.3$5.94$3.76$3.45$0.31
2015Detailed filing. Detailed filing data is available for this year.$50.4$44.8$5.63$3.58$3.16$0.42
2014Detailed filing. Detailed filing data is available for this year.$50.0$44.8$5.21$3.39$2.91$0.48
2013Detailed filing. Detailed filing data is available for this year.$46.7$41.9$4.73$3.49$3.04$0.45
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.9$40.6$4.28$3.09
2011Summary only. Only limited summary data is available for this year.$43.4$39.6$3.85$3.42$3.10$0.32
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.7$37.1$3.53$3.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 13, 2025
Return Version
2024v5.0
Gross Receipts
$7,858,033
Mission and Program Overview

Mission

To provide thrift savings and borrowing as a financial cooperative to 11,277 member-owners

Not-for-profit financial cooperative providing thrift savings and borrowing to member-owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$75,434,787$80,809,029▲ $5,374,242
Rtn Earn Endowment Incm Other Fnds$11,052,255$12,343,362▲ $1,291,107
Savings and Temporary Cash Investments$15,919,233$10,131,090▼ $5,788,143
Land, Buildings, and Equipment, Net$3,291,177$6,862,905▲ $3,571,728
Cash and Non-Interest-Bearing Accounts$2,806,156$3,580,260▲ $774,104
Prepaid Expenses and Deferred Charges$438,356$392,613▼ $45,743
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$101,301,940$105,147,129▲ $3,845,189
Other Assets Total$3,412,231$3,371,232▼ $40,999
Liabilities
Other Liabilities$88,976,438$91,263,828▲ $2,287,390
Accounts Payable and Accrued Expenses$1,273,247$1,539,939▲ $266,692
Total Liabilities$90,249,685$92,803,767▲ $2,554,082
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,052,255$12,343,362▲ $1,291,107
Total Liabilities and Net Assets / Fund Balance$101,301,940$105,147,129▲ $3,845,189

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,581,516$254,232$5,835,748
Equipment$411,398$721,242$1,132,640
Other Land Buildings$380,201$150,312$530,513
Land$489,790-$489,790
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian K AkinPresident/CEOFT$389,384$89,422$478,806
Laura J WilliamsVice PresidentFT$108,210$21,529$129,739

Board Members and Trustees

NameTitle
James NorrisBoard Chairman
Harold HarbinDirector & Audit/Supv Committee Chairman
Deborah GibbyBoard Vice Chairman
Juanita WorleyBoard Secretary
Tommy AyersDirector & Audit/Supv Committee Member
Tony ThomasDirector & Audit/Supv Committee Member
Michael HerronTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$7,365,782
Investment Income
$492,251
Other Revenue
$0
Change in Net Assets
$1,291,107

Audited Revenue Reconciliation

Revenue per Audited Statements
$7,858,033
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$7,858,033
Total Revenue per Form 990
$7,858,033
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,722,850
Salaries, Compensation, and Employee Benefits$2,844,076
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,610,956
Information Technology---$1,046,929
Office Expenses---$675,601
Current Officers, Directors, Trustees, and Key Employees---$497,594
Other Employee Benefits---$384,172
Occupancy---$299,253
Pension Plan Contributions---$200,435
Advertising---$182,767
Payroll Taxes---$150,919
Other Expenses---$78,250
Travel---$61,260
All Other Expenses---$34,027
Total Functional Expenses$0$0$0$6,566,926

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$6,566,926
Total Expenses per Audited Statements$6,566,926
Total Expenses per Form 990$6,566,926
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$91,263,828
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
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

“The credit union had 12,136 member-owners at 12/31/2024.”

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

“Members of the Board of Directors are elected by the membership at each annual meeting according to staggered terms.”

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

“The credit union's bylaws provide the membership with a process for petitioning the Board of Directors.”

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

“The 2024 Form 990 and all required supporting schedules were reviewed by the credit union's Board of Directors. The details of this review, as well as subsequent approval to submit these forms to the IRS, are documented in the official meeting minutes.”

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

“All credit union policies are reviewed annually by the Board of Directors.”

Form 990, Part VI, Section B, Line 15

“Compensation for the CEO and other officers is set by the Board of Directors annually during the budgeting process. Salary surveys/reports of comparative peer groups are used as a base, and adjustments are made for performance, tenure, and other relevant factors.”

Form 990, Part VI, Section C, Line 19

“Monthly financial statements and other required disclosures are posted in the lobby of each credit union office. The financial statements are audited annually.”

Filing and Contact Details

Filer

Filer Name
North Georgia Credit Union
EIN
58-0677211
Phone
7068861441
Address
695 Big A Road, Toccoa, GA 30577

Signing Officer

Name
Brian Akin
Title
President/CEO
Phone
7068861441
Signed
2025-10-13

Organization Details

Principal Officer
Brian Akin
Formed
1941
Legal Domicile
Ga
Voting Board Members
7
Independent Board Members
0
Employees
54
Volunteers
7
Raw XML AppendixShowing 400 of 459 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/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0To provide thrift savings and borrowing as a financial cooperative to 12,136 member-owners
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt011052255
IRS990/NetAssetsOrFundBalancesEOYAmt012343362
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0299253
IRS990/OfficeExpensesGrp/TotalAmt0675601
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt03412231
IRS990/OtherAssetsTotalGrp/EOYAmt03371232
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0384172
IRS990/OtherExpensesGrp/Desc0Association Dues
IRS990/OtherExpensesGrp/Desc1Provision for Credit Losses
IRS990/OtherExpensesGrp/Desc2Dividends & Interest Paid to Members
IRS990/OtherExpensesGrp/Desc3Loan Servicing Expenses
IRS990/OtherExpensesGrp/TotalAmt023535
IRS990/OtherExpensesGrp/TotalAmt1250000
IRS990/OtherExpensesGrp/TotalAmt21071228
IRS990/OtherExpensesGrp/TotalAmt378250
IRS990/OtherLiabilitiesGrp/BOYAmt088976438
IRS990/OtherLiabilitiesGrp/EOYAmt091263828
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt01610956
IRS990/OtherWebsiteInd0X
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0150919
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0200435
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0438356
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0392613
IRS990/PrincipalOfficerNm0Brian Akin
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Member Loans
IRS990/ProgramServiceRevenueGrp/Desc1Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc2Other Operating Income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt05537076
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1817551
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2965834
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt05537076
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1817551
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21011155
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt245321
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0369854
IRS990/PYOtherExpensesAmt02641272
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt06260286
IRS990/PYRevenuesLessExpensesAmt01363028
IRS990/PYSalariesCompEmpBnftPaidAmt02625840
IRS990/PYTotalExpensesAmt05267112
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt06630140
IRS990/ReconcilationRevenueExpnssAmt01291107
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt07858033
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011052255
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012343362
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015919233
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010131090
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05581516
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0254232
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt05835748
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0411398
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0721242
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01132640
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt06566926
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0489790
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0489790
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0380201
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0150312
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0530513
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt091263828
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt07858033
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06862905
IRS990ScheduleD/TotalExpensesPerForm990Amt06566926
IRS990ScheduleD/TotalLiabilityAmt091263828
IRS990ScheduleD/TotalRevenuePerForm990Amt07858033
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt07858033
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt06566926
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990ScheduleJ/IdemnificationGrossUpPmtsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0389384
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt063298
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt026124
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Brian K Akin
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0478806
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0Bona-fide travel expenses are allowed for companions with proper documentation and adherence to company policy.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1Compensation for the CEO and other officers is set by the Board of Directors annually during the budgeting process. Salary surveys/reports of comparable peer groups are used as a base, and adjustments are made for performance, tenure, and other relevant factors.
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt2Deferred Compensation Plan
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule J, Part I, Line 1a
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule J, Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc2Schedule J, Part I, Line 4
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd01
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The credit union had 12,136 member-owners at 12/31/2024.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members of the Board of Directors are elected by the membership at each annual meeting according to staggered terms.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The credit union's bylaws provide the membership with a process for petitioning the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The 2024 Form 990 and all required supporting schedules were reviewed by the credit union's Board of Directors. The details of this review, as well as subsequent approval to submit these forms to the IRS, are documented in the official meeting minutes.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4All credit union policies are reviewed annually by the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Compensation for the CEO and other officers is set by the Board of Directors annually during the budgeting process. Salary surveys/reports of comparative peer groups are used as a base, and adjustments are made for performance, tenure, and other relevant factors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Monthly financial statements and other required disclosures are posted in the lobby of each credit union office. The financial statements are audited annually.
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0101301940
IRS990/TotalAssetsEOYAmt0105147129
IRS990/TotalAssetsGrp/BOYAmt0101301940
IRS990/TotalAssetsGrp/EOYAmt0105147129
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt054
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00

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