Liabilities / Assets
8th percentile
Higher debt load relative to assets than 8% of similar nonprofits.
Cgr Credit Union
EIN 58-1122970 • 501(c)14 • Macon, GA
Profile
Cgr credit union is a financial cooperative dedicated to providing savings and loans to our members utilizing safe business practices. Cgr credit union is here for our members who trust us with all their financial business and stay with us for life. The credit provides services for approximately 11,973 members in the form of loans, savings, and other financial services.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.78x
Liabilities / Revenue
9th percentile
Higher debt load relative to revenue than 9% of similar nonprofits.
Net Margin
86th percentile
Higher net margin than 86% of similar nonprofits.
Top Officer Pay
63rd percentile
Higher top officer pay than 63% of similar nonprofits.
Top officer pay equals 2.9% of source-year revenue.
Asset Growth
65th percentile
Faster asset growth than 65% of similar nonprofits.
Revenue Growth
22nd percentile
Faster revenue growth than 22% of similar nonprofits.
Balance Sheet
Assets
Down$112,331,366
Down $1,363,478 (-1.2%) from 2023
Liabilities
Down$88,843,857
Down $3,153,864 (-3.4%) from 2023
Net Assets
Up$23,487,509
Up $1,790,386 (+8.3%) from 2023
Revenue
Up$8,246,945
Up $907,838 (+12%) from 2023
Expenses
Up$6,456,559
Up $521,425 (+8.8%) from 2023
Net Income
Up$1,790,386
Up $386,413 (+28%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $112,331,366
- Liabilities
- $88,843,857
- Net assets
- $23,487,509
- Revenue
- $8,246,945
- Expenses
- $6,456,559
- Net income
- $1,790,386
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2024 to Dec 31, 2024
- Signed
- May 14, 2025
- Return Version
- 2024v5.0
- Gross Receipts
- $8,246,945
Mission and Program Overview
Mission
Cgr credit union is a financial cooperative dedicated to providing savings and loans to our members utilizing safe business practices. Cgr credit union is here for our members who trust us with all their financial business and stay with us for life. The credit provides services for approximately 11,800 members in the form of loans, savings, and other financial services.
Credit union - to provide financial services for its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $43,462,714 | $44,634,374 | ▲ $1,171,660 |
| Rtn Earn Endowment Incm Other Fnds | $21,697,123 | $23,487,509 | ▲ $1,790,386 |
| Investments Other Securities | $25,893,880 | $18,063,181 | ▼ $7,830,699 |
| Savings and Temporary Cash Investments | $10,068,000 | $17,966,000 | ▲ $7,898,000 |
| Cash and Non-Interest-Bearing Accounts | $21,216,957 | $16,573,571 | ▼ $4,643,386 |
| Land, Buildings, and Equipment, Net | $6,012,243 | $5,987,158 | ▼ $25,085 |
| Receivables From Officers Etc | $3,927,087 | $3,746,279 | ▼ $180,808 |
| Prepaid Expenses and Deferred Charges | $1,995,215 | $274,105 | ▼ $1,721,110 |
| Total Assets | $113,694,844 | $112,331,366 | ▼ $1,363,478 |
| Other Assets Total | $1,118,748 | $5,086,698 | ▲ $3,967,950 |
| Liabilities | |||
| Other Liabilities | $87,541,636 | $86,672,635 | ▼ $869,001 |
| Accounts Payable and Accrued Expenses | $4,456,085 | $2,171,222 | ▼ $2,284,863 |
| Total Liabilities | $91,997,721 | $88,843,857 | ▼ $3,153,864 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $21,697,123 | $23,487,509 | ▲ $1,790,386 |
| Total Liabilities and Net Assets / Fund Balance | $113,694,844 | $112,331,366 | ▼ $1,363,478 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $4,487,297 | $1,117,512 | $5,604,809 |
| Equipment | $211,889 | $1,575,876 | $1,787,765 |
| Land | $1,281,166 | - | $1,281,166 |
| Leasehold Improvements | $6,806 | $132,879 | $139,685 |
| Other Securities | $97,786 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Clint Harper | CEO/alco Mem | FT | $186,592 | $63,468 | $250,060 |
Board Members and Trustees
| Name | Title |
|---|---|
| Kevin Carter | Bod Chair |
| Paul Barkley | Board Mem |
| Roberta Permenter | Board Mem/al |
| Kenan Hodges | Board Member |
| Geneen Ransaw | Audit COM Me |
| Judy Ware | Audit COM Me |
| Karen Farr | Audit COM Me |
| Stephanie Parker | Audit COM Me |
| Susan Craig | Audit COM Me |
| Cathy Patterson | Audit Commit |
| Gina Keadle | Bod Mem/aud |
| James Bryson | Bod Sec/audc |
| Richard Jones | Bod Vicech/a |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $5,476,282
- Investment Income
- $1,539,150
- Other Revenue
- $1,231,513
- Change in Net Assets
- $1,790,386
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $8,246,945
- Total Revenue per Audited Statements
- $8,246,945
- Total Revenue per Form 990
- $8,246,945
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,042,726 |
| Salaries, Compensation, and Employee Benefits | $2,413,833 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | $1,718,829 | - | $1,718,829 |
| Interest | - | $768,529 | - | $768,529 |
| Office Expenses | - | $565,295 | - | $565,295 |
| Other Employee Benefits | - | $512,036 | - | $512,036 |
| Occupancy | - | $459,162 | - | $459,162 |
| Other Expenses | - | $174,849 | - | $174,849 |
| All Other Expenses | - | $135,525 | - | $135,525 |
| Payroll Taxes | - | $128,053 | - | $128,053 |
| Conferences and Meetings | - | $98,780 | - | $98,780 |
| Pension Plan Contributions | - | $54,915 | - | $54,915 |
| Total Functional Expenses | $0 | $6,456,559 | $0 | $6,456,559 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $6,456,559 |
| Total Expenses per Audited Statements | $6,456,559 |
| Total Expenses per Form 990 | $6,456,559 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| 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 Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | $3,927,087 | $3,746,279 | ▼ $180,808 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Shares | $42,041,203 |
| All Other Shares | $24,341,407 |
| Share Drafts | $20,290,025 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- 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, Page 6, Part VI, Line 6
“The credit union is owned by the members.”
Form 990, Page 6, Part VI, Line 7A
“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilites are controlled by the board of directors. Election by members at the annual meeting of the membership is held the 2nd tuesday in february each year. Nominations are opened 45 days prior to the meeting and are submitted to the board appointed "nominating committee". Nominees are vetted to the extent that they are members in good standing and are financially responsible in their personal business. Nominations are also called for from the floor of the annual meeting and should there be a nominee from the floor, the supervisory committee is positioned to do an on-the-spot review of the nominee's qualifications.”
Form 990, Page 6, Part VI, Line 7B
“Some decisions made by the board of directors are affirmed by the members.”
Form 990, Page 6, Part VI, Line 11B
“Form 990 reviewed at a regular bod meeting.”
Form 990, Page 6, Part VI, Line 12C
“We have a code of ethics that covers conflicts of interest as well as our employee handbook. All officials are required to sign "conflict of interest" statement.”
Form 990, Page 6, Part VI, Line 15A
“The credit union uses hr performance solutions' product called compease as a benchmarking tool for all employees. The bod references this tool in their decisions for setting the ceo's salary. The board of directors reviews the ceo performance annually and consults with a third-party firm qualified to evaluate what is appropriate and competitive in both compensation and benefits.”
Form 990, Page 6, Part VI, Line 15B
“The credit union uses hr performance solutions product called compease as a benchmarking tool for all employees.”
Form 990, Page 6, Part VI, Line 19
“Governing documents that are not publicially available online are available upon request at the credit union's ingleside ave branch. The conflict of interest policy would also be available upon request. Financial statements are posted in the lobby of each branch by the 15th of the subsequent month.”
Filing and Contact Details
Filer
- Filer Name
- Cgr Credit Union
- EIN
- 58-1122970
- Phone
- 4787450494
- Address
- 2040 INGLESIDE AVE, MACON, GA 31204
Signing Officer
- Name
- Clint Harper
- Title
- CEO/alco Mem
- Phone
- 4787450494
- Signed
- 2025-05-14
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Clint Harper
- Formed
- 1971
- Legal Domicile
- Ga
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 36
- Volunteers
- 13
Preparer
- Firm
- Cu Audit & Compliance Group
- Address
- 3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
- Preparer
- Amanda Onkst
- Phone
- 2054372176
Supplemental Narrative
Additional Explanations
FORM 990 - ORGANIZATION'S MISSION
“Cgr credit union is a financial cooperative dedicated to providing savings and loans to our members utilizing safe business practices. Cgr credit union is here for our members who trust us with all their financial business and stay with us for life. The credit provides services for approximately 11,973 members in the form of loans, savings, and other financial services.”
Form 990, Page 1, Part I, Line 6
“Hours of service are related to duties of the board of directors and supervisory committee without compensation.”
Form 990, Part XI, Line 9
“DUE TO ROUNDING 0”
Raw XML AppendixShowing 400 of 464 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/Desc | 0 | THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS. |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 1.00 |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 1.00 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | AUDIT COM ME |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | AUDIT COM ME |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | AUDIT COM ME |
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| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1539150 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
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| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 18063181 |
| IRS990/IRPDocumentCnt | 0 | 2300 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
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| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5987158 |
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| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | CGR CREDIT UNION IS A FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SAVINGS AND LOANS TO OUR MEMBERS UTILIZING SAFE BUSINESS PRACTICES. CGR CREDIT UNION IS HERE FOR OUR MEMBERS WHO TRUST US WITH ALL THEIR FINANCIAL BUSINESS AND STAY WITH US FOR LIFE. THE CREDIT PROVIDES SERVICES FOR APPROXIMATELY 11,973 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. |
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| IRS990/MoreThan5000KToOrgInd | 0 | false |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 23487509 |
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| IRS990/OccupancyGrp/TotalAmt | 0 | 459162 |
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| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 565295 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
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| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 1118748 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 5086698 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 512036 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 512036 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROF & OUTSIDE SERVICES |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 3 | MISC EXPENSES |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 1251486 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 312856 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 276244 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 174849 |
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| IRS990/OtherExpensesGrp/TotalAmt | 1 | 312856 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 276244 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 174849 |
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| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 86672635 |
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| IRS990/OtherRevenueMiscGrp/Desc | 1 | UBIT |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | LOSS ON DISPOS OF FIXED ASSET |
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| IRS990/OtherRevenueTotalAmt | 0 | 1231513 |
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| IRS990/PartialLiquidationInd | 0 | false |
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| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 128053 |
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| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 54915 |
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| IRS990/PoliticalCampaignActyInd | 0 | false |
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| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 274105 |
| IRS990/PrincipalOfficerNm | 0 | CLINT HARPER |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522291 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
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| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2330421 |
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| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2330421 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 768529 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 1247766 |
| IRS990/PYOtherExpensesAmt | 0 | 3512465 |
| IRS990/PYOtherRevenueAmt | 0 | 1284634 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 4806707 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1403973 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2422669 |
| IRS990/PYTotalExpensesAmt | 0 | 5935134 |
| IRS990/PYTotalRevenueAmt | 0 | 7339107 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 3927087 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 3746279 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1790386 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | false |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 21697123 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 23487509 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 10068000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 17966000 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 4487297 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1117512 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 5604809 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 211889 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1575876 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1787765 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 6456559 |
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| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 6806 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 132879 |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 20290025 |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ALL OTHER SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE DRAFTS |
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| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 1 | 97786 |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 0 | ALL OTHER INVESTMENTS |
| IRS990ScheduleD/OtherSecuritiesGrp/Desc | 1 | CORPORATE PAID IN CAPITAL |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 0 | C |
| IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd | 1 | C |
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| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 18063181 |
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| IRS990ScheduleD/TotalLiabilityAmt | 0 | 86672635 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 8246945 |
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| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 6456559 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 186592 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 21216 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 42252 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | CLINT HARPER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO/ALCO MEM |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 250060 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | false |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION DEPOSITED FUNDS INTO A LIFE INSURNACE POLICY ON THE PARTICIPANT'S LIFE. DURING LIFE, AND SUBJECT TO THE POLICY GENERATING SUFFICIENT VALUES, THE PARTICIPANT CAN BORROW FROM THE POLICY. AT DEATH, THE ORGANIZATION RECOVERS ITS PREMIUMS PLUS INTEREST PLUS ADDITIONAL KEY- PERSON INSURNACE PROCEEDS. FOR MORE INFORMATION SEE SCHEDULE L. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE J, PART III |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 2503018 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 1243261 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
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| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
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| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 1 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | FUND PURCHASE OF CASH VAL LIFE INS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 1 | FUND PURCHASE OF CASH VAL LIFE INS |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 2500000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 1 | 1000000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | CLINT HARPER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 1 | ROBERT JORDAN |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | CURRENT OFFICER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 1 | FORMER OFFICER |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 1 | true |
| IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT THE IRS REFERS TO AS COLLATERAL ASSIGNMENT SPLIT DOLLAR (CASD). ALTHOUGH THE IRS REQUIRES REPORTING IN PART II, ABOVE, FOR LOANS TO INTERESTED PERSONS, CASD IS NOT AN ACTUAL LOAN. THERE IS NEITHER A TRANSFER OF FUNDS TO THE PARTICIPANT NOR AN OBLIGATION FOR THE PARTICIPANT TO REPAY THOSE FUNDS. INSTEAD, THE CREDIT UNION RECOVERS ITS OUTLAYS PLUS INTEREST FROM THE UNDERLYING POLICY. THE RECOVERY RIGHT IS A KEY ADVANTAGE OF CASD. WITH TRADITIONAL DEFERRED COMPENSATION, THE CREDIT UNION PAYS THE BENEFIT FROM CORPORATE ASSETS, NEVER TO RECOVER THOSE DOLLARS. WITH CASD, THE CREDIT UNION RECOVERS NOT ONLY ITS OUTLAYS, BUT ALSO INTEREST THAT TAKES INTO ACCOUNT THE TIME VALUE OF MONEY. IN CASD, THE CREDIT UNION DEPOSITS DOLLARS DIRECTLY INTO A LIFE INSURNACE POLICY, WITH THE CREDIT UNION HOLDING A LIEN ON THE POLICY TO ENSURE REPAYMENT. AT SPECIFIED TIMES AND SUBJECT TO VESTING REQUIREMENTS, THE PARTICIPANT MAY BORROW FROM THE CASH VALUE OF THE POLICY TO SUPPLEMENT REITREMENT INCOME (PROVIDED THERE ARE SUFFICIENT POLICY VALUES). BORROWING IS CAREFULLY MONITORED AND LIMITED TO ASSURE THAT THE POLICY WILL REMAIN IN EFFECT UNTIL THE PARTICIPANT'S DEATH AND WILL PAY A DEATH BENEFIT AT LEAST SUFFICIENT TO REPAY THE CREDIT UNION'S OUTLAYS PLUS INTEREST. ANY REMAINING DEATH BENEFIT PROCEEDS ARE DIVIDED BETWEEN THE CREDIT UNION AND THE EXECUTIVE'S BENEFICIARY AS SPECIFIED IN THE AGREEMENT. |
| IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SCHEDULE L, PART V |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 3746279 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | CGR CREDIT UNION IS A FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SAVINGS AND LOANS TO OUR MEMBERS UTILIZING SAFE BUSINESS PRACTICES. CGR CREDIT UNION IS HERE FOR OUR MEMBERS WHO TRUST US WITH ALL THEIR FINANCIAL BUSINESS AND STAY WITH US FOR LIFE. THE CREDIT PROVIDES SERVICES FOR APPROXIMATELY 11,973 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE CREDIT UNION IS OWNED BY THE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITES ARE CONTROLLED BY THE BOARD OF DIRECTORS. ELECTION BY MEMBERS AT THE ANNUAL MEETING OF THE MEMBERSHIP IS HELD THE 2ND TUESDAY IN FEBRUARY EACH YEAR. NOMINATIONS ARE OPENED 45 DAYS PRIOR TO THE MEETING AND ARE SUBMITTED TO THE BOARD APPOINTED "NOMINATING COMMITTEE". NOMINEES ARE VETTED TO THE EXTENT THAT THEY ARE MEMBERS IN GOOD STANDING AND ARE FINANCIALLY RESPONSIBLE IN THEIR PERSONAL BUSINESS. NOMINATIONS ARE ALSO CALLED FOR FROM THE FLOOR OF THE ANNUAL MEETING AND SHOULD THERE BE A NOMINEE FROM THE FLOOR, THE SUPERVISORY COMMITTEE IS POSITIONED TO DO AN ON-THE-SPOT REVIEW OF THE NOMINEE'S QUALIFICATIONS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | FORM 990 REVIEWED AT A REGULAR BOD MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | WE HAVE A CODE OF ETHICS THAT COVERS CONFLICTS OF INTEREST AS WELL AS OUR EMPLOYEE HANDBOOK. ALL OFFICIALS ARE REQUIRED TO SIGN "CONFLICT OF INTEREST" STATEMENT. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | THE CREDIT UNION USES HR PERFORMANCE SOLUTIONS' PRODUCT CALLED COMPEASE AS A BENCHMARKING TOOL FOR ALL EMPLOYEES. THE BOD REFERENCES THIS TOOL IN THEIR DECISIONS FOR SETTING THE CEO'S SALARY. THE BOARD OF DIRECTORS REVIEWS THE CEO PERFORMANCE ANNUALLY AND CONSULTS WITH A THIRD-PARTY FIRM QUALIFIED TO EVALUATE WHAT IS APPROPRIATE AND COMPETITIVE IN BOTH COMPENSATION AND BENEFITS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE CREDIT UNION USES HR PERFORMANCE SOLUTIONS PRODUCT CALLED COMPEASE AS A BENCHMARKING TOOL FOR ALL EMPLOYEES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | GOVERNING DOCUMENTS THAT ARE NOT PUBLICIALLY AVAILABLE ONLINE ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S INGLESIDE AVE BRANCH. THE CONFLICT OF INTEREST POLICY WOULD ALSO BE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY OF EACH BRANCH BY THE 15TH OF THE SUBSEQUENT MONTH. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | DUE TO ROUNDING 0 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990 - ORGANIZATION'S MISSION |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PAGE 1, PART I, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | FORM 990, PART XI, LINE 9 |
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| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/StatesWhereCopyOfReturnIsFldCd | 0 | GA |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | false |
| IRS990/SubjectToProxyTaxInd | 0 | false |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 113694844 |
| IRS990/TotalAssetsEOYAmt | 0 | 112331366 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 113694844 |
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