Civic Intelligence

The Southern Credit Union

EIN 58-0905515 • 501(c)14 • Fayetteville, GA

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Profile

Provide thrift savings, loans and other financial services to its members.

PO Box 1509Fayetteville, GA 30214

www.southernonline.org

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.92x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

87th percentile

19.64x

Higher debt load relative to revenue than 87% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

71st percentile

15%

Higher net margin than 71% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

78th percentile

$850,281

Higher top officer pay than 78% of similar nonprofits.

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

$250M-$1B nonprofits • Source year 2022

Asset Growth

23rd percentile

-0.9%

Faster asset growth than 23% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

47th percentile

14%

Faster revenue growth than 47% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Up

$533,936,060

Up $6,485,138 (+1.2%) from 2023

Liabilities

Down

$488,993,999

Down $1,064,045 (-0.2%) from 2023

Net Assets

Up

$44,942,061

Up $7,549,183 (+20%) from 2023

Operations
Liabilities / Revenue87th percentileNet Margin71st percentile

Revenue

Up

$24,902,758

Up $231,154 (+0.9%) from 2023

Expenses

Up

$21,164,745

Up $1,993,946 (+10%) from 2023

Net Income

Down

$3,738,013

Down $1,762,792 (-32%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth23rd percentile

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

$600M$400M$200M$0Assets 2013: $312,979,464Liabilities 2013: $281,173,263Net Assets 2013: $31,806,2012013Assets 2014: $321,939,686Liabilities 2014: $288,347,793Net Assets 2014: $33,591,8932014Assets 2015: $345,725,805Liabilities 2015: $309,989,355Net Assets 2015: $35,736,4502015Assets 2016: $363,991,347Liabilities 2016: $327,885,257Net Assets 2016: $36,106,0902016Assets 2017: $385,192,654Liabilities 2017: $347,424,723Net Assets 2017: $37,767,9312017Assets 2018: $392,126,405Liabilities 2018: $352,629,924Net Assets 2018: $39,496,4812018Assets 2019: $406,672,797Liabilities 2019: $362,516,965Net Assets 2019: $44,155,8322019Assets 2020: $474,524,073Liabilities 2020: $426,540,045Net Assets 2020: $47,984,0282020Assets 2021: $537,763,976Liabilities 2021: $491,324,213Net Assets 2021: $46,439,7632021Assets 2022: $543,217,468Liabilities 2022: $512,997,406Net Assets 2022: $30,220,0622022Assets 2023: $527,450,922Liabilities 2023: $490,058,044Net Assets 2023: $37,392,8782023Assets 2024: $533,936,060Liabilities 2024: $488,993,999Net Assets 2024: $44,942,0612024

Highlighted filing

2024

Assets$533,936,060
Liabilities$488,993,999
Net Assets$44,942,061
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

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

$30M$20M$10M$0Revenue 2013: $13,468,102Expenses 2013: $12,615,337Net Income 2013: $852,7652013Revenue 2014: $13,238,467Expenses 2014: $12,319,207Net Income 2014: $919,2602014Revenue 2015: $14,033,661Expenses 2015: $12,940,278Net Income 2015: $1,093,3832015Revenue 2016: $14,729,634Expenses 2016: $13,403,251Net Income 2016: $1,326,3832016Revenue 2017: $15,280,149Expenses 2017: $13,933,912Net Income 2017: $1,346,2372017Revenue 2018: $16,801,901Expenses 2018: $14,423,487Net Income 2018: $2,378,4142018Revenue 2019: $18,184,933Expenses 2019: $15,841,168Net Income 2019: $2,343,7652019Revenue 2020: $17,277,738Expenses 2020: $15,166,521Net Income 2020: $2,111,2172020Revenue 2021: $16,906,844Expenses 2021: $14,565,263Net Income 2021: $2,341,5812021Revenue 2022: $19,126,651Expenses 2022: $15,389,553Net Income 2022: $3,737,0982022Revenue 2023: $24,671,604Expenses 2023: $19,170,799Net Income 2023: $5,500,8052023Revenue 2024: $24,902,758Expenses 2024: $21,164,745Net Income 2024: $3,738,0132024

Highlighted filing

2024

Revenue$24,902,758
Expenses$21,164,745
Net Income$3,738,013
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$533,936,060
Liabilities
$488,993,999
Net assets
$44,942,061
Revenue
$24,902,758
Expenses
$21,164,745
Net income
$3,738,013
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$534$489$44.9$24.9$21.2$3.74
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$527$490$37.4$24.7$19.2$5.50
2022Detailed filing. Detailed filing data is available for this year.$543$513$30.2$19.1$15.4$3.74
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$538$491$46.4$16.9$14.6$2.34
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$475$427$48.0$17.3$15.2$2.11
2019Detailed filing. Detailed filing data is available for this year.$407$363$44.2$18.2$15.8$2.34
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$392$353$39.5$16.8$14.4$2.38
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$385$347$37.8$15.3$13.9$1.35
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$364$328$36.1$14.7$13.4$1.33
2015Detailed filing. Detailed filing data is available for this year.$346$310$35.7$14.0$12.9$1.09
2014Detailed filing. Detailed filing data is available for this year.$322$288$33.6$13.2$12.3$0.92
2013Detailed filing. Detailed filing data is available for this year.$313$281$31.8$13.5$12.6$0.85
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 1, 2025
Return Version
2024v5.2
Gross Receipts
$24,902,758
Mission and Program Overview

Mission

Our mission is to enhance the lives of the members we serve by helping make their financial goals a reality.

As a state-chartered credit union, we provide thrift savings, loans and other financial services to our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$223,258,365$216,717,805▼ $6,540,560
Investments in Publicly Traded Securities$199,380,503$191,635,553▼ $7,744,950
Rtn Earn Endowment Incm Other Fnds$37,392,878$44,942,061▲ $7,549,183
Savings and Temporary Cash Investments$42,321,333$43,316,589▲ $995,256
Cash and Non-Interest-Bearing Accounts$17,927,413$34,290,197▲ $16,362,784
Land, Buildings, and Equipment, Net$15,821,764$18,722,120▲ $2,900,356
Receivables From Officers Etc$9,257,882$9,466,962▲ $209,080
Investments Other Securities$987,886$901,886▼ $86,000
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$527,450,922$533,936,060▲ $6,485,138
Other Assets Total$18,495,776$18,884,948▲ $389,172
Liabilities
Other Liabilities$481,759,720$481,783,320▲ $23,600
Accounts Payable and Accrued Expenses$8,298,324$7,210,679▼ $1,087,645
Total Liabilities$490,058,044$488,993,999▼ $1,064,045
Net Assets / Fund Balance
Total Net Assets Fund Balance$37,392,878$44,942,061▲ $7,549,183
Total Liabilities and Net Assets / Fund Balance$527,450,922$533,936,060▲ $6,485,138

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$10,420,640$6,070,774$16,491,414
Equipment$1,126,826$6,056,732$7,183,558
Land$4,279,334-$4,279,334
Other Land Buildings$2,882,062-$2,882,062
Leasehold Improvements$13,258$417,414$430,672
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ray HullCEO/treasurerFT$513,044$762,735$1,275,779
Jim PhillipsEvpFT$346,132$396,421$742,553
Kris TrainorCFOFT$312,352$123,023$435,375
James RichardsVP of MortgagesFT$229,188$90,389$319,577
Tim PlessChief Technology OfficerFT$188,272$53,756$242,028
John PurdyChief Lending OfficerFT$200,792$40,034$240,826
Barry GriffinVP Branch ServicesFT$176,912$62,603$239,515
Keith SaltzmanSenior Data AnalystFT$159,876$44,718$204,594
Shannon MeseroleVP Risk ManagementFT$135,360$32,736$168,096
Steven RichardsonHr DirectorFT$127,408$22,533$149,941
Chris RechtorisVP Sr Regional Mkt MgrFT$115,900$18,121$134,021
Jared ThompsonVP Sr Regional Mkt MgrFT$111,479$21,560$133,039
Karen NixData AnalystFT$118,125-$118,125
Morris KellyChairman-$17,400$2,471$19,871
Wilton MarchmanVice Chair-$17,400$2,471$19,871
John Rick HalbertSecretary-$17,400$2,471$19,871
Michael ForanDirector-$17,400$2,471$19,871
Randy HobbsDirector-$17,400$2,471$19,871
Robert MatthewsDirector-$17,400$894$18,294

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCard And Core Processing255 FISERV DRIVE, Brookfield, WI 53045$1,537,115
Digital InsightHomebankingPO BOX 740641, Los Angeles, CA 90074-0641$778,594
Glory Global Solutions (usa) INCEquipment Maintenance705 S 12TH STREET, Watertown, WI 53094$412,911
Verinext CorpBackup Equipment/maintenance510 TOWNSHIP LINE ROAD STE 120, Blue Bell, PA 19422$325,166
Bitdiamond Communications SolutionsStatement Processor710 SW 34TH STREET, Renton, WA 98057$219,976
Revenue and Support

Revenue Composition

Contributions and Grants
$205,000
Program Service Revenue
$17,544,424
Investment Income
$7,053,405
Other Revenue
$99,929
Change in Net Assets
$3,738,013

Audited Revenue Reconciliation

Revenue per Audited Statements
$24,902,758
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$3,811,170
Total Revenue per Audited Statements
$28,713,928
Total Revenue per Form 990
$24,902,758
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,761,327
Salaries, Compensation, and Employee Benefits$9,385,708
Grants and Similar Amounts Paid$17,710
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$4,542,743
Current Officers, Directors, Trustees, and Key Employees---$3,623,135
Office Expenses---$1,766,589
Depreciation Depletion---$871,549
Occupancy---$807,410
Fees for Services Other---$744,139
Other Employee Benefits---$631,561
Payroll Taxes---$449,786
Other Expenses---$388,285
Advertising---$357,148
Travel---$250,680
Fees for Services Accounting---$175,869
Insurance---$159,470
Pension Plan Contributions---$138,483
Conferences and Meetings---$44,277
Fees for Services Legal---$39,344
Fees for Service Investment Mgmnt Fees---$25,370
Information Technology---$21,916
Grants to Domestic Orgs---$9,210
Grants to Domestic Individuals---$8,500
Interest---$2,234
Total Functional Expenses$0$0$0$21,164,745

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$21,164,745
Total Expenses per Audited Statements$21,164,745
Total Expenses per Form 990$21,164,745
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$9,257,882$9,466,962▲ $209,080
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$481,783,320
Governance and Compliance

Governance Checklist

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

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All qualified persons with a par value share account are members. During this reporting year there were approximately 31,176 members.”

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

“The members of the board of directors are elected by the credit union members.”

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

“Return will be presented to the board of directors by the cfo.”

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

“Employees and officers are provided a conflict of interest policy that instructs them on who to contact with any potential conflicts.”

Form 990, Part VI, Section B, Line 15

“Top management compensation packages are approved by the board of directors. Key and other employees are set by management.”

Form 990, Part VI, Section C, Line 19

“Financials are displayed in credit union branch locations and at the annual member meeting with the annual report.”

Filing and Contact Details

Filer

Filer Name
The Southern Credit Union
EIN
58-0905515
Phone
7704603267
Address
PO BOX 1509, FAYETTEVILLE, GA 30214

Signing Officer

Name
Kris Trainor
Title
CFO
Phone
7704603267
Signed
2025-10-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ray Hull
Formed
1963
Legal Domicile
Ga
Voting Board Members
7
Independent Board Members
6
Employees
92
Volunteers
7

Preparer

Firm
Mauldin & Jenkins LLC
Address
200 GALLERIA PKWY SE STE 1700, ATLANTA, GA 30339-5946
Preparer
Mary Jo Alexander
Phone
7709558600
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt by statute from federal and state income taxes. The federal returns of organizations exempt from income tax of the credit union for 2022, 2023, and 2024 are subject to examination by the irs, generally for three years after being filed. There are no uncertain tax liabilities reported under fin 48(asc 740-10).”

Raw XML AppendixShowing 400 of 697 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/AccountantCompileOrReviewInd00
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IRS990/ActivityOrMissionDesc0AS A STATE-CHARTERED CREDIT UNION, WE PROVIDE THRIFT SAVINGS, LOANS AND OTHER FINANCIAL SERVICES TO OUR MEMBERS.
IRS990/AddressChangeInd0X
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IRS990/CompensationProcessOtherInd01
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IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt01537115
IRS990/ContractorCompensationGrp/CompensationAmt1778594
IRS990/ContractorCompensationGrp/CompensationAmt2412911
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