Liabilities / Assets
70th percentile
Higher debt load relative to assets than 70% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
70th percentile
Higher debt load relative to assets than 70% of similar nonprofits.
Liabilities / Revenue
12th percentile
Higher debt load relative to revenue than 12% of similar nonprofits.
Net Margin
1st percentile
Higher net margin than 1% of similar nonprofits.
Top Officer Pay
100th percentile
Higher top officer pay than 100% of similar nonprofits.
Top officer pay equals 21.5% of source-year revenue.
Asset Growth
7th percentile
Faster asset growth than 7% of similar nonprofits.
Revenue Growth
4th percentile
Faster revenue growth than 4% of similar nonprofits.
Assets
Flat$199,135,691
Flat from 2019
Net Assets
Flat$19,824,333
Flat from 2019
Liabilities
Flat$179,311,358
Flat from 2019
Revenue
Flat$15,271,817
Flat from 2019
Expenses
Flat$20,757,555
Flat from 2019
Net Income
Flat-$5,485,738
Flat from 2019
Provide savings and lending activities to member owners of the cooperative
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $153,508,225 | $161,504,823 | ▲ $7,996,598 |
| Rtn Earn Endowment Incm Other Fnds | $25,308,189 | $19,824,333 | ▼ $5,483,856 |
| Savings and Temporary Cash Investments | $5,730,196 | $11,517,754 | ▲ $5,787,558 |
| Cash and Non-Interest-Bearing Accounts | $6,020,309 | $5,591,887 | ▼ $428,422 |
| Land, Buildings, and Equipment, Net | $6,029,807 | $5,548,882 | ▼ $480,925 |
| Investments Program Related | $2,366,753 | $2,304,086 | ▼ $62,667 |
| Receivables From Officers Etc | $2,031,723 | $2,277,466 | ▲ $245,743 |
| Investments Other Securities | $15,986,149 | $1,583,783 | ▼ $14,402,366 |
| Accounts Receivable | $1,529,491 | $1,099,523 | ▼ $429,968 |
| Prepaid Expenses and Deferred Charges | $85,402 | $566,982 | ▲ $481,580 |
| Investments in Publicly Traded Securities | $0 | - | - |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $201,864,384 | $199,135,691 | ▼ $2,728,693 |
| Other Assets Total | $8,576,329 | $7,140,505 | ▼ $1,435,824 |
| Liabilities | |||
| Other Liabilities | $174,012,493 | $172,338,180 | ▼ $1,674,313 |
| Accounts Payable and Accrued Expenses | $2,543,702 | $6,973,178 | ▲ $4,429,476 |
| Total Liabilities | $176,556,195 | $179,311,358 | ▲ $2,755,163 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $25,308,189 | $19,824,333 | ▼ $5,483,856 |
| Total Liabilities and Net Assets / Fund Balance | $201,864,384 | $199,135,691 | ▼ $2,728,693 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $3,711,568 | $2,660,958 | $6,372,526 |
| Equipment | $588,232 | $1,148,810 | $1,737,042 |
| Land | $1,249,082 | - | $1,249,082 |
| Leasehold Improvements | $0 | $106,467 | $106,467 |
| Other Land Buildings | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Barry Heape | President / CEO | FT | $399,582 | $2,877,056 | $3,276,638 |
| Robert Youngblood | Evp | FT | $238,441 | $1,510,123 | $1,748,564 |
| Ellen Collins | VP/CFO | FT | $143,980 | $51,340 | $195,320 |
| Trent Williams | VP Lending | FT | $123,529 | $59,175 | $182,704 |
| Charles Owens | Senior Commercial Lender | FT | $121,235 | $45,891 | $167,126 |
| Olliver Sindersine | VP Operations | FT | $120,054 | $42,796 | $162,850 |
| Carol Wolfe | VP Member Services | FT | $112,995 | $47,475 | $160,470 |
| Julie Irvin | VP of Compliance | FT | $90,614 | $58,589 | $149,203 |
| Donna Parr Marteen | VP of Human Resources | FT | $96,319 | $46,924 | $143,243 |
| Tom Pollock | Chairman, Board of Directors | - | $10,857 | - | $10,857 |
| Carlos Keith | Director | - | $9,047 | - | $9,047 |
| Derryl Quinn | Vice Chairman, Board of Directors | - | $9,047 | - | $9,047 |
| George Reynolds | Director | - | $9,047 | - | $9,047 |
| Jan Parker | Director | - | $9,047 | - | $9,047 |
| Rochelle Bush | Secretary, Board of Directors | - | $9,047 | - | $9,047 |
| Seaborn Jackson | Treasurer, Board of Directors | - | $6,032 | - | $6,032 |
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Madlab | Marketing Services | 322 N Washington St, Albany, GA 31701 | $195,462 |
| Line Item | Amount |
|---|---|
| Other Expenses | $10,774,714 |
| Salaries, Compensation, and Employee Benefits | $9,978,881 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Pension Plan Contributions | - | - | - | $3,563,508 |
| Other Salaries and Wages | - | - | - | $2,889,995 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $2,114,139 |
| Information Technology | - | - | - | $1,993,341 |
| Fees for Services Other | - | - | - | $968,934 |
| Interest | - | - | - | $927,231 |
| Payroll Taxes | - | - | - | $852,945 |
| Occupancy | - | - | - | $637,202 |
| Office Expenses | - | - | - | $617,067 |
| Other Employee Benefits | - | - | - | $558,294 |
| Depreciation Depletion | - | - | - | $528,041 |
| Advertising | - | - | - | $234,824 |
| All Other Expenses | - | - | - | $227,737 |
| Other Expenses | - | - | - | $167,346 |
| Insurance | - | - | - | $166,635 |
| Fees for Services Accounting | - | - | - | $135,373 |
| Fees for Services Legal | - | - | - | $99,306 |
| Travel | - | - | - | $59,479 |
| Conferences and Meetings | - | - | - | $24,181 |
| Fees for Services Management | - | - | - | $4,813 |
| Benefits to Members | - | - | - | $3,960 |
| Total Functional Expenses | $0 | $0 | $0 | $20,757,555 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $2,031,723 | $2,277,466 | ▲ $245,743 |
| Liability | Amount |
|---|---|
| Members Shares and Deposits | $172,338,180 |
“As of December 31, 2019 34,967 members were utilizing the thrift savings and lending activities offered by the credit union.”
“Each member has one vote and every member can participate in the annual election of the governing body.”
“At any meeting the members (by one member, one vote) may decide on any matter of interest to the credit union and may overrule the governing body provided the notice of the meeting specifies the questions to be answered.”
“The Form 990 is prepared by an internal accountant and reviewed by the President/CEO.”
“Annually, Directors or Committee members are required to submit to the Georgia Department of Banking and Finance a CONFIDENTIAL REPORT FOR CREDIT UNION OFFICIALS which specifically addresses conflict of interest matters including business affiliations, pending litigations. criminal offense involving dishonesty or breach of trust and bankruptcy claims. Directors also renew their Oath of Office at each annual meeting.”
“Compensation of CEO,EVP, CFO and all other management positions is subject to review and approval by a Board of Directors.”
“Form 990 is made available for review on the Guidestar Non-Profit website and is also made available upon request.”
“Financial Statements are reported quarterly to the National Credit Union Administration and are available to the public through the NCUA website. Annually, Board members complete and sign a Georgia Department of Banking & Finance "CONFIDENTIAL REPORT for CREDIT UNION OFFICIALS" which addresses areas of potential Conflict of Interest. Governing documents, conflict of interest policy and financial statements are also made available upon request.”
“The 2019 990-T will be filed before the extended deadline of November 15, 2020.”
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/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 2543702 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 6973178 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 1529491 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 1099523 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Provide savings and lending activities to member owners of the cooperative |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 234824 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 227737 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 3960 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Barry Heape |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2294351715 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | P O Box 71389 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Albany |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | GA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 31708 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 6020309 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 5591887 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 2114139 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 24181 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 195462 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | 322 N Washington St |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | Albany |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | GA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 0 | 31701 |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 0 | MADLAB |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | Marketing Services |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 3960 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 608702 |
| IRS990/CYOtherExpensesAmt | 0 | 10774714 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 14663115 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | -5485738 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 9978881 |
| IRS990/CYTotalExpensesAmt | 0 | 20757555 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 15271817 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 528041 |
| IRS990/Desc | 0 | PROVIDED THRIFT SAVINGS / BORROWINGS to 34,967 members. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 104 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/ExpenseAmt | 0 | 20757555 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 135373 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 99306 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 4813 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 968934 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignGrantsGrp/TotalAmt | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 1 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 1 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 1327456 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 1308845 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 37476 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 46836 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 39007 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 30574 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 34960 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 44178 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 41539 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Barry Heape |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Robert Youngblood |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Ellen Collins |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Trent Williams |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Charles Owens |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Olliver Sindersine |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Carol Wolfe |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Julie Irvin |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Donna Parr Marteen |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Tom Pollock |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | Derryl Quinn |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | Rochelle Bush |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | George Reynolds |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | Jan Parker |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | Carlos Keith |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | Seaborn Jackson |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 1949182 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 302538 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 157843 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 135868 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 128120 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 132275 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 125510 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 102747 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 101705 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 10857 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 9047 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 9047 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 9047 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 9047 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 9047 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 6032 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President / CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | EVP |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | VP/CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | VP Lending |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Senior Commercial Lender |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | VP Operations |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | VP Member Services |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | VP of Compliance |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP of Human Resources |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | Chairman, Board of Directors |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | Vice Chairman, Board of Directors |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | Secretary, Board of Directors |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | Treasurer, Board of Directors |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1959 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 0 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 15271817 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 9 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartVInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 1993341 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 166635 |
| IRS990/InterestGrp/TotalAmt | 0 | 927231 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 608702 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 608702 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 15986149 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 1583783 |
| IRS990/InvestmentsProgramRelatedGrp/BOYAmt | 0 | 2366753 |
| IRS990/InvestmentsProgramRelatedGrp/EOYAmt | 0 | 2304086 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 5103 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3916235 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 6029807 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5548882 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 9465117 |
| IRS990/LegalDomicileStateCd | 0 | GA |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | PROVIDE SAVINGS AND LENDING ACTIVITIES TO MEMBER OWNERS OF THE COOPERATIVE |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 25308189 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 19824333 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -4704 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 1882 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 637202 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 617067 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 8576329 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 7140505 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 558294 |
| IRS990/OtherExpensesGrp/Desc | 0 | Collection Expense |
| IRS990/OtherExpensesGrp/Desc | 1 | Loan Servicing Expense |
| IRS990/OtherExpensesGrp/Desc | 2 | Provision for Loan Loss |
| IRS990/OtherExpensesGrp/Desc | 3 | Cash Over & Short |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1621771 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 552254 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 1809179 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 167346 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 174012493 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 172338180 |
| IRS990/OtherOrganizationDsc | 0 | State Chartered Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2889995 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 153508225 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 161504823 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 852945 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 3563508 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 85402 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 566982 |
| IRS990/PrincipalOfficerNm | 0 | Barry Heape |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Income from Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fee Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Miscellaneous Operating Income |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 9141087 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 3742288 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 1669537 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 9141087 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 3852491 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 1669537 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 110203 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 3960 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 747783 |
| IRS990/PYOtherExpensesAmt | 0 | 7564324 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 14917794 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1308645 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 6788648 |
| IRS990/PYTotalExpensesAmt | 0 | 14356932 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 15665577 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 2031723 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 2277466 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | -5485738 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 15271817 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 25308189 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 19824333 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 5730196 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 11517754 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3711568 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 2660958 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 6372526 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 588232 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1148810 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1737042 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1249082 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1249082 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 106467 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 106467 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 172338180 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Members Shares and Deposits |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 5548882 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 172338180 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/ClubDuesOrFeesInd | 0 | X |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/IdemnificationGrossUpPmtsInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 10857 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 9047 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 9047 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 3 | 9047 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 4 | 9047 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 5 | 9047 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 6 | 6032 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 7 | 399582 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 8 | 238441 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 9 | 143980 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 10 | 123529 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 11 | 121235 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 12 | 120054 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 13 | 112995 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 14 | 90614 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 15 | 96319 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 0 |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.