Civic Intelligence

Mygeorgia Credit Union

EIN 58-1232957 • 501(c)14 • Gainesville, GA

View Organization Page

Profile

Credit union - to provide services to approximately 20,382 members int he form of loans, savings, and other financial services.

2601 Limestone ParkwayGainesville, GA 30501

www.mygacu.com

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.89x

Higher debt load relative to assets than 42% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

23rd percentile

12.84x

Higher debt load relative to revenue than 23% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

73rd percentile

19%

Higher net margin than 73% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

31st percentile

0.1%

Faster asset growth than 31% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2024

Revenue Growth

75th percentile

22%

Faster revenue growth than 75% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$217,199,392

Up $8,690,836 (+4.2%) from 2023

Liabilities

Up

$192,633,825

Up $6,201,125 (+3.3%) from 2023

Net Assets

Up

$24,565,567

Up $2,489,711 (+11%) from 2023

Operations
Liabilities / Revenue23rd percentileNet Margin73rd percentile

Revenue

Up

$15,003,309

Up $1,415,041 (+10%) from 2023

Expenses

Up

$12,208,649

Up $2,412,086 (+25%) from 2023

Net Income

Down

$2,794,660

Down $997,045 (-26%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth31st percentile

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

$300M$200M$100M$0Assets 2011: $46,126,206Liabilities 2011: $42,489,670Net Assets 2011: $3,636,5362011Assets 2012: $48,756,658Liabilities 2012: $44,851,139Net Assets 2012: $3,905,5192012Assets 2013: $52,463,197Liabilities 2013: $48,273,542Net Assets 2013: $4,189,6552013Assets 2014: $59,046,156Liabilities 2014: $54,283,890Net Assets 2014: $4,762,2662014Assets 2015: $69,069,699Liabilities 2015: $63,504,703Net Assets 2015: $5,564,9962015Assets 2016: $76,180,408Liabilities 2016: $69,796,555Net Assets 2016: $6,383,8532016Assets 2017: $83,118,156Liabilities 2017: $75,970,587Net Assets 2017: $7,147,5692017Assets 2018: $86,164,588Liabilities 2018: $78,052,155Net Assets 2018: $8,112,4332018Assets 2020: $145,514,683Liabilities 2020: $132,421,594Net Assets 2020: $13,093,0892020Assets 2021: $203,116,911Liabilities 2021: $187,375,652Net Assets 2021: $15,741,2592021Assets 2022: $216,783,084Liabilities 2022: $198,412,224Net Assets 2022: $18,370,8602022Assets 2023: $208,508,556Liabilities 2023: $186,432,700Net Assets 2023: $22,075,8562023Assets 2024: $217,199,392Liabilities 2024: $192,633,825Net Assets 2024: $24,565,5672024

Highlighted filing

2024

Assets$217,199,392
Liabilities$192,633,825
Net Assets$24,565,567
Open 2024 Filing

Operations Trend

Revenue Growth75th percentile

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

$20M$15M$10M$5.0M$0Expenses 2011: $2,754,5992011Expenses 2012: $2,735,0052012Revenue 2013: $3,062,955Expenses 2013: $2,778,819Net Income 2013: $284,1362013Revenue 2014: $3,463,776Expenses 2014: $2,891,165Net Income 2014: $572,6112014Revenue 2015: $3,889,821Expenses 2015: $3,087,091Net Income 2015: $802,7302015Revenue 2016: $4,119,340Expenses 2016: $3,300,483Net Income 2016: $818,8572016Revenue 2017: $4,315,315Expenses 2017: $3,551,601Net Income 2017: $763,7142017Revenue 2018: $4,927,158Expenses 2018: $3,962,294Net Income 2018: $964,8642018Revenue 2020: $6,645,965Expenses 2020: $6,110,173Net Income 2020: $535,7922020Revenue 2021: $7,452,149Expenses 2021: $6,363,188Net Income 2021: $1,088,9612021Revenue 2022: $10,094,883Expenses 2022: $7,465,282Net Income 2022: $2,629,6012022Revenue 2023: $13,588,268Expenses 2023: $9,796,563Net Income 2023: $3,791,7052023Revenue 2024: $15,003,309Expenses 2024: $12,208,649Net Income 2024: $2,794,6602024

Highlighted filing

2024

Revenue$15,003,309
Expenses$12,208,649
Net Income$2,794,660
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$217,199,392
Liabilities
$192,633,825
Net assets
$24,565,567
Revenue
$15,003,309
Expenses
$12,208,649
Net income
$2,794,660
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$217$193$24.6$15.0$12.2$2.79
2023Detailed filing. Detailed filing data is available for this year.$209$186$22.1$13.6$9.80$3.79
2022Detailed filing. Detailed filing data is available for this year.$217$198$18.4$10.1$7.47$2.63
2021Detailed filing. Detailed filing data is available for this year.$203$187$15.7$7.45$6.36$1.09
2020Detailed filing. Detailed filing data is available for this year.$146$132$13.1$6.65$6.11$0.54
2018Summary only. Only limited summary data is available for this year.$86.2$78.1$8.11$4.93$3.96$0.96
2017Summary only. Only limited summary data is available for this year.$83.1$76.0$7.15$4.32$3.55$0.76
2016Detailed filing. Detailed filing data is available for this year.$76.2$69.8$6.38$4.12$3.30$0.82
2015Detailed filing. Detailed filing data is available for this year.$69.1$63.5$5.56$3.89$3.09$0.80
2014Detailed filing. Detailed filing data is available for this year.$59.0$54.3$4.76$3.46$2.89$0.57
2013Detailed filing. Detailed filing data is available for this year.$52.5$48.3$4.19$3.06$2.78$0.28
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.8$44.9$3.91$2.74
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.1$42.5$3.64$2.75
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.0
Gross Receipts
$15,003,309
Mission and Program Overview

Mission

To provide thrift savings and borrowings to members of an owned cooperative.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$136,082,062$139,738,515▲ $3,656,453
Savings and Temporary Cash Investments$30,872,806$39,610,577▲ $8,737,771
Rtn Earn Endowment Incm Other Fnds$22,075,856$24,565,567▲ $2,489,711
Cash and Non-Interest-Bearing Accounts$11,528,120$15,047,305▲ $3,519,185
Investments Other Securities$22,404,407$12,287,086▼ $10,117,321
Land, Buildings, and Equipment, Net$3,877,461$6,523,701▲ $2,646,240
Prepaid Expenses and Deferred Charges$1,080,948$1,351,562▲ $270,614
Total Assets$208,508,556$217,199,392▲ $8,690,836
Other Assets Total$2,662,752$2,640,646▼ $22,106
Liabilities
Other Liabilities$184,179,738$189,069,037▲ $4,889,299
Accounts Payable and Accrued Expenses$2,252,962$3,564,788▲ $1,311,826
Total Liabilities$186,432,700$192,633,825▲ $6,201,125
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,075,856$24,565,567▲ $2,489,711
Total Liabilities and Net Assets / Fund Balance$208,508,556$217,199,392▲ $8,690,836

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,208,061$1,687,213$3,895,274
Land$904,463-$904,463
Other Securities$95,053--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joe FosterPresident/trFT$236,320$41,643$277,963
Joe FosterPresident/treasurer-$216,320$61,643$277,963
Lorie McgovernEvpFT$146,016$32,967$178,983

Board Members and Trustees

NameTitle
Lamar GaileyBoard Chairm
Bobby WhitlockBoard Member
Brian BatsonBoard Member
Dustin HulseyBoard Member
Garry McglaunBoard Member
Glenn JonesBoard Member
Jerome YarbroughBoard Member
Dianne GaddyBoard Secret
Linda NicholsonBoard Vice C
Anne MoonAudit COM Me
Brian BatsonAudit COM Me
Jean FainAudit COM Me
Sherry HutchisonAudit COM Me
Willie JohnsonAudit COM Me
Ravonne GreenBod Mem/aud
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$12,005,711
Investment Income
$2,620,075
Other Revenue
$377,523
Change in Net Assets
$2,794,660
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$7,977,601
Salaries, Compensation, and Employee Benefits$4,231,048
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$3,250,380-$3,250,380
Interest-$2,771,138-$2,771,138
Office Expenses-$1,419,606-$1,419,606
Occupancy-$684,903-$684,903
Other Employee Benefits-$474,939-$474,939
Other Expenses-$266,764-$266,764
Pension Plan Contributions-$261,464-$261,464
Payroll Taxes-$244,265-$244,265
All Other Expenses-$109,202-$109,202
Travel-$50,625-$50,625
Total Functional Expenses$0$12,208,649$0$12,208,649
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$76,428,875
All Other Shares$75,100,354
Share Drafts$37,539,808
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
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 responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

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

“The form 990 is reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

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

“The board of directors monitor and enforce the conflict of interest policy.”

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

“The board of directors uses comparable data from credit union national association salary review.”

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

“The board of directors uses comparable data from credit union national association salary review.”

Form 990, Page 6, Part VI, Line 19

“Finanical documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Mygeorgia Credit Union
EIN
58-1232957
Phone
7705344255
Address
2601 LIMESTONE PARKWAY, GAINESVILLE, GA 30501

Signing Officer

Name
Joe Foster
Title
President/treasurer
Phone
7705344255
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joe Foster
Formed
1971
Legal Domicile
Ga
Voting Board Members
11
Independent Board Members
10
Employees
68
Volunteers
14

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, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors and audit committee without compensation.”

Form 990, Part XI, Line 9

“ADJUSTMENTS -304,949”

Raw XML AppendixShowing 400 of 453 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/LandBldgEquipBasisNetGrp/EOYAmt06523701
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IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 19,469 MEMBERS INT HE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/OccupancyGrp/TotalAmt0684903
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IRS990/OtherExpensesGrp/Desc2PROFESSIONAL & OUTSIDE SE
IRS990/OtherExpensesGrp/Desc3EDUCATION & PROMOTIONAL E
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt113299
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt210900
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt013299
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01351562
IRS990/PrincipalOfficerNm0JOE FOSTER
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12469758
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt02771138
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt02488487
IRS990/PYOtherExpensesAmt05921102
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IRS990/PYSalariesCompEmpBnftPaidAmt03875461
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt01687213
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03895274
IRS990ScheduleD/LandGrp/BookValueAmt0904463
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0904463
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt076428875
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt175100354
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt237539808
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt012192033
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt195053
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1PERPETUAL CONTRIBUTED CAPITAL
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IRS990ScheduleD/TotalBookValueSecuritiesAmt012287086
IRS990ScheduleD/TotalLiabilityAmt0189069037
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1146016
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount020000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount110000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt041643
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt122967
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOE FOSTER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1LORIE MCGOVERN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EVP
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1178983
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IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0JOE FOSTER 0 10,816 0 LORIE MCGOVERN 0 7,301 0
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND AUDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS USES COMPARABLE DATA FROM CREDIT UNION NATIONAL ASSOCIATION SALARY REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS USES COMPARABLE DATA FROM CREDIT UNION NATIONAL ASSOCIATION SALARY REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANICAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ADJUSTMENTS -304,949
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
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IRS990/TotalLiabilitiesGrp/EOYAmt0192633825
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt022075856

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