Liabilities / Assets
87th percentile
Higher debt load relative to assets than 87% of similar nonprofits.
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.78x
Liabilities / Revenue
93rd percentile
Higher debt load relative to revenue than 93% of similar nonprofits.
Net Margin
74th percentile
Higher net margin than 74% of similar nonprofits.
Top Officer Pay
29th percentile
Higher top officer pay than 29% of similar nonprofits.
Top officer pay equals 2.9% of source-year revenue.
Asset Growth
44th percentile
Faster asset growth than 44% of similar nonprofits.
Revenue Growth
49th percentile
Faster revenue growth than 49% of similar nonprofits.
Balance Sheet
Assets
Up$117,190,819
Up $4,859,453 (+4.3%) from 2024
Net Assets
Up$25,491,951
Up $2,004,442 (+8.5%) from 2024
Liabilities
Up$91,698,868
Up $2,855,011 (+3.2%) from 2024
Revenue And Expenses
Revenue
Up$8,796,324
Up $549,379 (+6.7%) from 2024
Expenses
Up$6,791,881
Up $335,322 (+5.2%) from 2024
Net Income
Up$2,004,443
Up $214,057 (+12%) from 2024
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2025 to Dec 31, 2025
- Signed
- Apr 1, 2026
- Return Version
- 2025v4.0
- Gross Receipts
- $8,796,324
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.
Credit union - to provide financial services for its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Accounts Receivable | $44,634,374 | $46,375,165 | ▲ $1,740,791 |
| Rtn Earn Endowment Incm Other Fnds | $23,487,509 | $25,491,951 | ▲ $2,004,442 |
| Savings and Temporary Cash Investments | $17,966,000 | $22,000,000 | ▲ $4,034,000 |
| Cash and Non-Interest-Bearing Accounts | $16,573,571 | $18,019,122 | ▲ $1,445,551 |
| Investments Other Securities | $18,063,181 | $13,510,953 | ▼ $4,552,228 |
| Land, Buildings, and Equipment, Net | $5,987,158 | $5,806,865 | ▼ $180,293 |
| Receivables From Officers Etc | $3,746,279 | $3,839,594 | ▲ $93,315 |
| Prepaid Expenses and Deferred Charges | $274,105 | $384,059 | ▲ $109,954 |
| Total Assets | $112,331,366 | $117,190,819 | ▲ $4,859,453 |
| Other Assets Total | $5,086,698 | $7,255,061 | ▲ $2,168,363 |
| Liabilities | |||
| Other Liabilities | $86,672,635 | $88,980,865 | ▲ $2,308,230 |
| Accounts Payable and Accrued Expenses | $2,171,222 | $2,718,003 | ▲ $546,781 |
| Total Liabilities | $88,843,857 | $91,698,868 | ▲ $2,855,011 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $23,487,509 | $25,491,951 | ▲ $2,004,442 |
| Total Liabilities and Net Assets / Fund Balance | $112,331,366 | $117,190,819 | ▲ $4,859,453 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $4,348,858 | $1,268,662 | $5,617,520 |
| Equipment | $174,572 | $1,635,624 | $1,810,196 |
| Land | $1,281,166 | - | $1,281,166 |
| Leasehold Improvements | $2,269 | $137,417 | $139,686 |
| Other Assets Org | $715 | - | - |
| Other Securities | $97,786 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Clint Harper | CEO/alco Mem | FT | $197,380 | $61,542 | $258,922 |
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
- $5,630,735
- Investment Income
- $1,864,082
- Other Revenue
- $1,301,507
- Change in Net Assets
- $2,004,443
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $8,796,324
- Total Revenue per Audited Statements
- $8,796,324
- Total Revenue per Form 990
- $8,796,324
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,255,648 |
| Salaries, Compensation, and Employee Benefits | $2,536,233 |
| 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 | - | $1,862,646 | - | $1,862,646 |
| Interest | - | $848,078 | - | $848,078 |
| Office Expenses | - | $629,565 | - | $629,565 |
| Occupancy | - | $363,791 | - | $363,791 |
| Other Employee Benefits | - | $315,744 | - | $315,744 |
| Other Expenses | - | $246,775 | - | $246,775 |
| Pension Plan Contributions | - | $219,030 | - | $219,030 |
| Payroll Taxes | - | $138,813 | - | $138,813 |
| Conferences and Meetings | - | $90,610 | - | $90,610 |
| All Other Expenses | - | $61,229 | - | $61,229 |
| Total Functional Expenses | $0 | $6,791,881 | $0 | $6,791,881 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $6,791,881 |
| Total Expenses per Audited Statements | $6,791,881 |
| Total Expenses per Form 990 | $6,791,881 |
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 | $3,746,279 | $3,839,594 | ▲ $93,315 |
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Shares | $42,360,441 |
| All Other Shares | $25,484,330 |
| Share Drafts | $21,136,094 |
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 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.”
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 10B
“POLICIES ARE IN PLACE”
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 are available upon request 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
- 2026-04-01
- 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
- 48
- Volunteers
- 13
Preparer
- Firm
- Credit Union Audit Group
- Address
- 1709 HERMITAGE BLVD SUITE 200, TALLAHASSEE, FL 32308
- Preparer
- Marcus King
- 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 11,129 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 due to roudning -1 total -1”
Raw XML AppendixShowing 400 of 473 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/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
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| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/Desc | 0 | THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
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| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 48 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/ExpenseAmt | 0 | 5943804 |
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| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
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| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 1.00 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOD VICECH/A |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOD SEC/AUDC |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEM |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEM/AL |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOD MEM/AUD |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | AUDIT COMMIT |
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| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | AUDIT COM ME |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | AUDIT COM ME |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | AUDIT COM ME |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | AUDIT COM ME |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | false |
| IRS990/Form990TFiledInd | 0 | true |
| IRS990/FormationYr | 0 | 1971 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
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| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartIIIInd | 0 | X |
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| IRS990/InterestGrp/TotalAmt | 0 | 848078 |
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| IRS990/InvestmentInJointVentureInd | 0 | false |
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| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 13510953 |
| IRS990/IRPDocumentCnt | 0 | 2257 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 3041703 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 5987158 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 5806865 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 8848568 |
| IRS990/LegalDomicileStateCd | 0 | GA |
| IRS990/LoanOutstandingInd | 0 | true |
| IRS990/LocalChaptersInd | 0 | true |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| 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 11,129 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 23487509 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 25491951 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 363791 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 363791 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 629565 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 629565 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 5086698 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 7255061 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -1 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 315744 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 315744 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROF & OUTSIDE SERVICES |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 3 | EDUCATIONAL & PROMO |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 1196765 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 453699 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 365136 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 3 | 246775 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 1196765 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 453699 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 365136 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 246775 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 86672635 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 88980865 |
| IRS990/OtherOrganizationDsc | 0 | CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 525990 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 525990 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER OPERATING INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | UBIT |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1255249 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 1255249 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 46258 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 46258 |
| IRS990/OtherRevenueTotalAmt | 0 | 1301507 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 1862646 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1862646 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 138813 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 138813 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 219030 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 219030 |
| IRS990/PoliciesReferenceChaptersInd | 0 | false |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 274105 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 384059 |
| 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 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3516159 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2114576 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 3516159 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 2114576 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS. |
| IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt | 0 | 848078 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 1539150 |
| IRS990/PYOtherExpensesAmt | 0 | 4042726 |
| IRS990/PYOtherRevenueAmt | 0 | 1231513 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 5476282 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1790386 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 2413833 |
| IRS990/PYTotalExpensesAmt | 0 | 6456559 |
| IRS990/PYTotalRevenueAmt | 0 | 8246945 |
| IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt | 0 | 3746279 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 3839594 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 2004443 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | true |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | true |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 23487509 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 25491951 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 17966000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 22000000 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 4348858 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 1268662 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 5617520 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 174572 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 1635624 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 1810196 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 6791881 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 1281166 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 1281166 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 2269 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 137417 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 139686 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 6117696 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 845053 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 162935 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 3 | 128662 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 4 | 715 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | OTHER ASSETS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | NCUA SHARE INSURANCE DEPOSIT |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | ACCRUED INTEREST ON LOANS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 3 | ACCRUED INTEREST ON INVESTMENTS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 4 | FORECLOSED & REPOSSESSED ASSETS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 42360441 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 25484330 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 21136094 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ALL OTHER SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE DRAFTS |
| IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt | 0 | 13413167 |
| 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 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 8796324 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 5806865 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 7255061 |
| IRS990ScheduleD/TotalBookValueSecuritiesAmt | 0 | 13510953 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 6791881 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 88980865 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 8796324 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 8796324 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 6791881 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 197380 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 18711 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 42831 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | CLINT HARPER |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO/ALCO MEM |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 258922 |
| 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 | 2536350 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 1 | 1303244 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 1 | true |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 1 | false |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| 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 | 3839594 |
| 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 11,129 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 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. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | POLICIES ARE IN PLACE |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | FORM 990 REVIEWED AT A REGULAR BOD MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | 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 | 8 | 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 | 9 | THE CREDIT UNION USES HR PERFORMANCE SOLUTIONS PRODUCT CALLED COMPEASE AS A BENCHMARKING TOOL FOR ALL EMPLOYEES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | 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 ARE AVAILABLE UPON REQUEST BY THE 15TH OF THE SUBSEQUENT MONTH. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | DUE TO ROUNDING 0 DUE TO ROUDNING -1 TOTAL -1 |
| 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 10B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | FORM 990, PAGE 6, PART VI, LINE 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | FORM 990, PART XI, LINE 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2025 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $117,190,819
- Liabilities
- $91,698,868
- Net assets
- $25,491,951
- Revenue
- $8,796,324
- Expenses
- $6,791,881
- Net income
- $2,004,443