Civic Intelligence

Hallco Community Credit Union

990 • Fiscal year 2013 • EIN 58-1232957

Jan 01, 2013 to Dec 31, 2013 • Filed on May 15, 2014

Organization ProfileWWW.HALLCOCU.ORG

View Organization Page

2601 Limestone ParkwayGainesville, GA 30501

(770) 534-4255

Siviq Scores

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

Liabilities / Assets

88th percentile

0.92x

Higher debt load relative to assets than 88% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

28th percentile

15.76x

Higher debt load relative to revenue than 28% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

53rd percentile

9.3%

Higher net margin than 53% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

80th percentile

$170,605

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 5.6% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

87th percentile

7.6%

Faster asset growth than 87% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

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

Source year 2013

Balance Sheet
Liabilities / Assets88th percentile

Assets

Up

$52,463,197

Up $3,706,539 (+7.6%) from 2012

Net Assets

Up

$4,189,655

Up $284,136 (+7.3%) from 2012

Liabilities

Up

$48,273,542

Up $3,422,403 (+7.6%) from 2012

Revenue And Expenses
Liabilities / Revenue28th percentileNet Margin53rd percentile

Revenue

$3,062,955

No earlier filing loaded for comparison.

Expenses

Up

$2,778,819

Up $43,814 (+1.6%) from 2012

Net Income

$284,136

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth87th percentile

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

$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

2013

Assets$52,463,197
Liabilities$48,273,542
Net Assets$4,189,655
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$3,062,955
Expenses$2,778,819
Net Income$284,136
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 15, 2014
Return Version
2013v3.1
Gross Receipts
$3,062,955
Mission and Program Overview

Mission

Credit union - to provide services to approximately 20,399 members int he form of loans, savings, and other financial services.

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$30,006,105$31,445,019▲ $1,438,914
Savings and Temporary Cash Investments$14,476,326$16,616,826▲ $2,140,500
Rtn Earn Endowment Incm Other Fnds$3,905,519$4,189,655▲ $284,136
Land, Buildings, and Equipment, Net$2,506,494$2,436,882▼ $69,612
Cash and Non-Interest-Bearing Accounts$945,784$1,013,526▲ $67,742
Prepaid Expenses and Deferred Charges$63,506$114,524▲ $51,018
Total Assets$48,756,657$52,463,197▲ $3,706,540
Other Assets Total$758,442$836,420▲ $77,978
Liabilities
Other Liabilities$44,141,437$47,632,057▲ $3,490,620
Accounts Payable and Accrued Expenses$709,701$641,485▼ $68,216
Total Liabilities$44,851,138$48,273,542▲ $3,422,404
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,905,519$4,189,655▲ $284,136
Total Liabilities and Net Assets / Fund Balance$48,756,657$52,463,197▲ $3,706,540

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,694,395$625,656$2,320,051
Equipment$228,510$915,014$1,143,524
Land$513,977-$513,977
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleBaseOtherTotal
Joe Foster-$134,641$35,964$170,605
Joe FosterPresident/CEO$134,641$35,964$170,605

Board Members and Trustees

NameTitle
Gary McglaunnChairman of
Diane GaddyPresident/ce
Lamar GaileyVice Chairma
Erik PardueDirector
Joanne VaughanDirector
Ravonne GreenDirector
Betty Jo WilsonSecretary
Linda NicholsonSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,791,333
Investment Income
$91,529
Other Revenue
$1,180,093
Change in Net Assets
$284,136
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,360,814
Other Expenses$1,349,746
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$954,302--$954,302
Office Expenses$552,405--$552,405
Occupancy$214,325--$214,325
Other Employee Benefits$213,940--$213,940
Pension Plan Contributions$121,620--$121,620
Advertising$101,909--$101,909
Fees for Services Other$77,322--$77,322
Payroll Taxes$70,952--$70,952
Benefits to Members$68,259--$68,259
Insurance$40,410--$40,410
Payments to Affiliates$40,083--$40,083
Conferences and Meetings$28,922--$28,922
All Other Expenses$18,540--$18,540
Other Expenses$12,900--$12,900
Fees for Services Accounting$9,325--$9,325
Interest$81--$81
Total Functional Expenses$2,778,819$0$0$2,778,819
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
Members Shares$47,400,003
Deferred Compensation$232,054
Dividends Payable-
Taxes Payable-
Accrued Expenses-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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

“ORGANIZED WITH MEMBERS”

Form 990, Page 6, Part VI, Line 7A

“Anyone who qualifies for membership in accordance with the credit union by-laws can become a member.”

Form 990, Page 6, Part VI, Line 7B

“The board of directors is elected by the membership.”

Form 990, Page 6, Part VI, Line 10B

“Credit union has branch locations and has policies and procedures in place regarding these branches”

Form 990, Page 6, Part VI, Line 11B

“The ceo presents the 990 and 990t returns to the board of directors.”

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

“Ceo's salary is subject to the approval of the board of directors.”

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

“Officers and key employee's compensation is subject to the approval of the board of directors.”

Form 990, Page 6, Part VI, Line 19

“The form 990 and 990t is pubished on guidestar.org.”

Filing and Contact Details

Filer

EIN
58-1232957
Phone
7705344255

Signing Officer

Name
Mr Joe Foster
Title
CEO/president
Phone
7705344255
Signed
2014-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Mr Joe Foster
Formed
1973
Legal Domicile
Ga
Voting Board Members
9
Independent Board Members
9
Employees
25

Preparer

Preparer
Cynthia L Coleman
Phone
6784819034
Supplemental Narrative

Additional Explanations

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

“To provide thrift savings and borrowings for its members.”

Raw XML Appendix374 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/SavingsAndTempCashInvstGrp/EOYAmt016616826
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IRS990ScheduleD/BuildingsGrp/BookValueAmt01694395
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0625656
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02320051
IRS990ScheduleD/EquipmentGrp/BookValueAmt0228510
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0915014
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01143524
IRS990ScheduleD/LandGrp/BookValueAmt0513977
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0513977
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt047400003
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1232054
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1DEFERRED COMPENSATION
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2DIVIDENDS PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3TAXES PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4ACCRUED EXPENSES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02436882
IRS990ScheduleD/TotalLiabilityAmt047632057
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt035964
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOE FOSTER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0170605
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROVIDE THRIFT SAVINGS AND BORROWINGS FOR ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ORGANIZED WITH MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANYONE WHO QUALIFIES FOR MEMBERSHIP IN ACCORDANCE WITH THE CREDIT UNION BY-LAWS CAN BECOME A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CREDIT UNION HAS BRANCH LOCATIONS AND HAS POLICIES AND PROCEDURES IN PLACE REGARDING THESE BRANCHES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CEO PRESENTS THE 990 AND 990T RETURNS TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CEO'S SALARY IS SUBJECT TO THE APPROVAL OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OFFICERS AND KEY EMPLOYEE'S COMPENSATION IS SUBJECT TO THE APPROVAL OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE FORM 990 AND 990T IS PUBISHED ON GUIDESTAR.ORG.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
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 10B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt048756657
IRS990/TotalAssetsEOYAmt052463197
IRS990/TotalAssetsGrp/BOYAmt048756657
IRS990/TotalAssetsGrp/EOYAmt052463197
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt025
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02778819
IRS990/TotalFunctionalExpensesGrp/TotalAmt02778819
IRS990/TotalGrossUBIAmt08946
IRS990/TotalLiabilitiesBOYAmt044851138
IRS990/TotalLiabilitiesEOYAmt048273542
IRS990/TotalLiabilitiesGrp/BOYAmt044851138
IRS990/TotalLiabilitiesGrp/EOYAmt048273542
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03905519
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04189655
IRS990/TotalOtherCompensationAmt035964
IRS990/TotalProgramServiceExpensesAmt02778819
IRS990/TotalProgramServiceRevenueAmt01791333
IRS990/TotalReportableCompFromOrgAmt0134641
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03054009
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03062955
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08946
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt048756657
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt052463197
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine102601 LIMESTONE PARKWAY
IRS990/USAddress/City0GAINESVILLE
IRS990/USAddress/State0GA
IRS990/USAddress/ZIPCode030501
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.HALLCOCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MR JOE FOSTER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum07705344255
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine10HALLCO COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HALL
ReturnHeader/Filer/EIN0581232957
ReturnHeader/Filer/PhoneNum07705344255
ReturnHeader/Filer/USAddress/AddressLine102601 LIMESTONE PARKWAY
ReturnHeader/Filer/USAddress/City0GAINESVILLE
ReturnHeader/Filer/USAddress/State0GA
ReturnHeader/Filer/USAddress/ZIPCode030501
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10CYNTHIA L COLEMAN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10610 BRIDGEWATER DR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0ATLANTA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode030328
ReturnHeader/PreparerPersonGrp/PhoneNum06784819034
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CYNTHIA L COLEMAN
ReturnHeader/ReturnTs02014-05-22T12:49:08-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$52,463,197
Liabilities
$48,273,542
Net assets
$4,189,655
Revenue
$3,062,955
Expenses
$2,778,819
Net income
$284,136
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