Civic Intelligence

Cgr Credit Union

990 • Fiscal year 2015 • EIN 58-1122970

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 15, 2016

Organization ProfileWWW.CGRCU.ORG

View Organization Page

2040 Ingleside AveMacon, GA 31204

(478) 745-0494

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

18th percentile

0.84x

Higher debt load relative to assets than 18% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

13th percentile

12.63x

Higher debt load relative to revenue than 13% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

86th percentile

20%

Higher net margin than 86% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

64th percentile

$150,000

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2015

Balance Sheet
Liabilities / Assets18th percentile

Assets

Up

$82,590,535

Up $36,639,216 (+80%) from 2010

Net Assets

Up

$12,807,847

Up $7,161,240 (+127%) from 2010

Liabilities

Up

$69,782,688

Up $29,477,976 (+73%) from 2010

Revenue And Expenses
Liabilities / Revenue13th percentileNet Margin86th percentile

Revenue

Up

$5,523,033

Up $5,438,503 (+6434%) from 2010

Expenses

Up

$4,427,368

Up $4,305,222 (+3525%) from 2010

Net Income

Up

$1,095,665

Up $1,133,281 (+3013%) from 2010

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$150M$100M$50M$0Assets 2008: $33,866,925Liabilities 2008: $29,371,687Net Assets 2008: $4,495,2382008Assets 2009: $44,724,199Liabilities 2009: $39,884,920Net Assets 2009: $4,839,2792009Assets 2010: $45,951,319Liabilities 2010: $40,304,712Net Assets 2010: $5,646,6072010Assets 2015: $82,590,535Liabilities 2015: $69,782,688Net Assets 2015: $12,807,8472015Assets 2016: $83,086,297Liabilities 2016: $69,268,741Net Assets 2016: $13,817,5562016Assets 2017: $85,851,300Liabilities 2017: $71,614,946Net Assets 2017: $14,236,3542017Assets 2018: $90,489,769Liabilities 2018: $74,091,955Net Assets 2018: $16,397,8142018Assets 2019: $92,762,298Liabilities 2019: $75,031,198Net Assets 2019: $17,731,1002019Assets 2020: $109,579,321Liabilities 2020: $91,204,997Net Assets 2020: $18,374,3242020Assets 2021: $116,663,240Liabilities 2021: $97,610,738Net Assets 2021: $19,052,5022021Assets 2022: $113,701,166Liabilities 2022: $93,408,016Net Assets 2022: $20,293,1502022Assets 2023: $113,694,844Liabilities 2023: $91,997,721Net Assets 2023: $21,697,1232023Assets 2024: $112,331,366Liabilities 2024: $88,843,857Net Assets 2024: $23,487,5092024

Highlighted filing

2015

Assets$82,590,535
Liabilities$69,782,688
Net Assets$12,807,847
Open 2015 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0-$5.0MRevenue 2008: $100,899Expenses 2008: $101,668Net Income 2008: -$7692008Revenue 2009: $63,478Expenses 2009: $110,397Net Income 2009: -$46,9192009Revenue 2010: $84,530Expenses 2010: $122,146Net Income 2010: -$37,6162010Revenue 2015: $5,523,033Expenses 2015: $4,427,368Net Income 2015: $1,095,6652015Revenue 2016: $5,741,834Expenses 2016: $4,666,031Net Income 2016: $1,075,8032016Revenue 2017: $5,825,095Expenses 2017: $4,895,181Net Income 2017: $929,9142017Revenue 2018: $6,522,109Expenses 2018: $5,231,032Net Income 2018: $1,291,0772018Revenue 2019: $6,731,698Expenses 2019: $5,376,273Net Income 2019: $1,355,4252019Revenue 2020: $5,614,753Expenses 2020: $4,971,530Net Income 2020: $643,2232020Revenue 2021: $5,356,650Expenses 2021: $4,678,472Net Income 2021: $678,1782021Revenue 2022: $6,221,996Expenses 2022: $4,981,348Net Income 2022: $1,240,6482022Revenue 2023: $7,339,107Expenses 2023: $5,935,134Net Income 2023: $1,403,9732023Revenue 2024: $8,246,945Expenses 2024: $6,456,559Net Income 2024: $1,790,3862024

Highlighted filing

2015

Revenue$5,523,033
Expenses$4,427,368
Net Income$1,095,665
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 15, 2016
Return Version
2015v2.1
Gross Receipts
$5,523,033
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 11,129 members in the form of loans, savings, and other financial services.

Cooperative provider of credit union financial services including savings and loans

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$21,040,147$42,077,186▲ $21,037,039
Other Notes and Loans Receivable, Net$33,512,595$34,056,830▲ $544,235
Rtn Earn Endowment Incm Other Fnds$11,712,182$12,807,847▲ $1,095,665
Investments Other Securities$12,749,798--
Cash and Non-Interest-Bearing Accounts$2,675,150$2,350,009▼ $325,141
Land, Buildings, and Equipment, Net$2,137,109$2,086,053▼ $51,056
Receivables From Officers Etc$78,279--
Prepaid Expenses and Deferred Charges$96,641$77,077▼ $19,564
Intangible Assets$12,846--
Accounts Receivable$-1,398$-7,426▼ $6,028
Total Assets$74,244,493$82,590,535▲ $8,346,042
Other Assets Total$1,943,326$1,950,806▲ $7,480
Liabilities
Other Liabilities$61,823,054$68,954,825▲ $7,131,771
Accounts Payable and Accrued Expenses$709,257$827,863▲ $118,606
Total Liabilities$62,532,311$69,782,688▲ $7,250,377
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,712,182$12,807,847▲ $1,095,665
Total Liabilities and Net Assets / Fund Balance$74,244,493$82,590,535▲ $8,346,042

Asset Categories

AssetBook ValueDepreciationBasis
Land$364,200-$364,200
Other Land Buildings$1,721,853$1,819,166-
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Robert JordanPresident/ceFT$150,000$150,000

Board Members and Trustees

NameTitle
Karren FarrChairman
Timothy SlocumVice Chairma
Clint HarperBoard Member
David EvansBoard Member
Johnny WilliamsBoard Member
Quentin JudeBoard Member
Cathy PattersonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,680,754
Investment Income
$0
Other Revenue
$842,279
Change in Net Assets
$1,095,665
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,549,132
Salaries, Compensation, and Employee Benefits$1,878,236
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,440,084--$1,440,084
Office Expenses$487,566--$487,566
Other Employee Benefits$438,152--$438,152
Interest$409,206--$409,206
Fees for Services Accounting$391,179--$391,179
Fees for Services Legal$391,179--$391,179
Occupancy$244,257--$244,257
Fees for Service Investment Mgmnt Fees$172,959--$172,959
Fees for Services Management$143,360--$143,360
Other Expenses$121,237--$121,237
Advertising$106,480--$106,480
Travel$53,422--$53,422
Fees for Services Other$22,283--$22,283
Depreciation Depletion$6,004--$6,004
Total Functional Expenses$4,427,368$0$0$4,427,368
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Dianne JordanPresident SpousJoint InvestmentNo-

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$78,279--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liability$68,954,825
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
Yes
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, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 12C

“PLACE HOLDER”

Form 990, Page 6, Part VI, Line 15A

“PLACE HOLDER”

Form 990, Page 6, Part VI, Line 15B

“PLACE HOLDER”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

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
Robert Jordan
Title
President/CEO
Phone
4789607422
Signed
2016-11-15

Organization Details

Principal Officer
Robert Jordan
Formed
1971
Legal Domicile
Ga
Voting Board Members
7
Independent Board Members
7
Employees
34

Preparer

Firm
Schwartz Cole and Associates LLC
Address
11776 W SAMPLE RD STE 106, CORAL SPRINGS, FL 33065-3180
Preparer
Daniel J Cole
Phone
9547551760
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“Cgr credit union is a financial cooperative dedicated to providing savings and loans to our memebers utilizing safe business practices. Cgr credit union is here our members trust us with all their financial business and stay with us for life.”

Form 990, Page 2, Part III, Line 4D

“CREDIT UNION”

Raw XML Appendix350 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/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt011712182
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt012807847
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021040147
IRS990/SavingsAndTempCashInvstGrp/EOYAmt042077186
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/LandGrp/BookValueAmt0364200
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0364200
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01721853
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01819166
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt03541019
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt068954825
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02086053
IRS990ScheduleD/TotalLiabilityAmt068954825
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm0DIANNE JORDAN
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0PRESIDENT SPOUS
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0JOINT INVESTMENT
IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt0THE FIRST SPLIT DOLLAR 457F PLAN WITH PRESIDENT ROBERT JORDAN HAS BEEN IN PLACE SINCE 2009. A LOAN ADVANCE OF 39,999.99 IS POSTED YEARLY. THE LOAN ADVANCE IS NONRECOURSE SPLIT DOLLAR TO PAY PREMIUM THE SECOND SPLIT DOLLAR PLAN WITH PRESIDENT JORDAN IS A JOINT INVESTMENT WITH HIS SPOUSE IN A CASH VALUE INSURANCE POLICY TO PROVIDE REASONABLE RETIRMENT INCOME FOR THE INTERESTED PERSON AND INVESMENT RETURN AND INTEREST TO GCR CREDIT UNION.
IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE L, PART V
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CGR CREDIT UNION IS A FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SAVINGS AND LOANS TO OUR MEMEBERS UTILIZING SAFE BUSINESS PRACTICES. CGR CREDIT UNION IS HERE OUR MEMBERS TRUST US WITH ALL THEIR FINANCIAL BUSINESS AND STAY WITH US FOR LIFE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PLACE HOLDER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4PLACE HOLDER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PLACE HOLDER
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt074244493
IRS990/TotalAssetsEOYAmt082590535
IRS990/TotalAssetsGrp/BOYAmt074244493
IRS990/TotalAssetsGrp/EOYAmt082590535
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt034
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt04427368
IRS990/TotalFunctionalExpensesGrp/TotalAmt04427368
IRS990/TotalGrossUBIAmt0842279
IRS990/TotalLiabilitiesBOYAmt062532311
IRS990/TotalLiabilitiesEOYAmt069782688
IRS990/TotalLiabilitiesGrp/BOYAmt062532311
IRS990/TotalLiabilitiesGrp/EOYAmt069782688
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt011712182
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt012807847
IRS990/TotalOtherProgSrvcExpenseAmt04427368
IRS990/TotalProgramServiceExpensesAmt04427368
IRS990/TotalProgramServiceRevenueAmt04680754
IRS990/TotalReportableCompFromOrgAmt0150000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04680754
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05523033
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0842279
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt074244493
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt082590535
IRS990/TravelGrp/ProgramServicesAmt053422
IRS990/TravelGrp/TotalAmt053422
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.CGRCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT JORDAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum04789607422
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CGR CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CGRC
ReturnHeader/Filer/EIN0581122970
ReturnHeader/Filer/PhoneNum04787450494
ReturnHeader/Filer/USAddress/AddressLine1Txt02040 INGLESIDE AVE
ReturnHeader/Filer/USAddress/CityNm0MACON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031204
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0261694946
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SCHWARTZ COLE AND ASSOCIATES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011776 W SAMPLE RD STE 106
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CORAL SPRINGS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0330653180
ReturnHeader/PreparerPersonGrp/PhoneNum09547551760
ReturnHeader/PreparerPersonGrp/PreparationDt02016-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DANIEL J COLE
ReturnHeader/ReturnTs02016-11-15T21:22:54-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$82,590,535
Liabilities
$69,782,688
Net assets
$12,807,847
Revenue
$5,523,033
Expenses
$4,427,368
Net income
$1,095,665
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$112$88.8$23.5$8.25$6.46$1.79
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$92.0$21.7$7.34$5.94$1.40
2022Detailed filing. Detailed filing data is available for this year.$114$93.4$20.3$6.22$4.98$1.24
2021Detailed filing. Detailed filing data is available for this year.$117$97.6$19.1$5.36$4.68$0.68
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$110$91.2$18.4$5.61$4.97$0.64
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$92.8$75.0$17.7$6.73$5.38$1.36
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$90.5$74.1$16.4$6.52$5.23$1.29
2017Detailed filing. Detailed filing data is available for this year.$85.9$71.6$14.2$5.83$4.90$0.93
2016Detailed filing. Detailed filing data is available for this year.$83.1$69.3$13.8$5.74$4.67$1.08
2015Detailed filing. Detailed filing data is available for this year.$82.6$69.8$12.8$5.52$4.43$1.10
2010Summary only. Only limited summary data is available for this year.$46.0$40.3$5.65$0.08$0.12$0.04
2009Summary only. Only limited summary data is available for this year.$44.7$39.9$4.84$0.06$0.11$0.05
2008Summary only. Only limited summary data is available for this year.$33.9$29.4$4.50$0.10$0.10$0.00
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $50M-$100M nonprofits