Liabilities / Assets
34th percentile
Higher debt load relative to assets than 34% of similar nonprofits.
EIN 58-1354498 • 501(c)14 • Cornelia, GA
Profile
Provide financial services to the various members of the financial institution including loan and deposit accounts.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
34th percentile
Higher debt load relative to assets than 34% of similar nonprofits.
Liabilities / Revenue
31st percentile
Higher debt load relative to revenue than 31% of similar nonprofits.
Net Margin
75th percentile
Higher net margin than 75% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
100th percentile
Faster asset growth than 100% of similar nonprofits.
Revenue Growth
91st percentile
Faster revenue growth than 91% of similar nonprofits.
Assets
Up$29,981,369
Up $9,840,049 (+49%) from 2021
Liabilities
Up$25,625,947
Up $8,185,056 (+47%) from 2021
Net Assets
Up$4,355,422
Up $1,654,993 (+61%) from 2021
Revenue
Up$1,711,537
Up $414,299 (+32%) from 2021
Expenses
Up$1,399,686
Up $255,894 (+22%) from 2021
Net Income
Up$311,851
Up $158,405 (+103%) from 2021
Most recent year
2022 • Form 990Detailed filing. Detailed filing data is available for this year.
Provide financial services to the various members of the financial institution including loan and deposit accounts.
Provide financial services to the various members of the financial institution including loan and deposit accounts
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $16,005,647 | $20,660,669 | ▲ $4,655,022 |
| Savings and Temporary Cash Investments | $2,107,916 | $7,302,304 | ▲ $5,194,388 |
| Rtn Earn Endowment Incm Other Fnds | $2,362,022 | $4,355,422 | ▲ $1,993,400 |
| Land, Buildings, and Equipment, Net | $461,390 | $485,263 | ▲ $23,873 |
| Cash and Non-Interest-Bearing Accounts | $657,914 | $455,574 | ▼ $202,340 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $338,407 | $0 | ▼ $338,407 |
| Accounts Receivable | $43,604 | $72,806 | ▲ $29,202 |
| Prepaid Expenses and Deferred Charges | $17,917 | $14,198 | ▼ $3,719 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $20,141,320 | $29,981,369 | ▲ $9,840,049 |
| Other Assets Total | $846,932 | $990,555 | ▲ $143,623 |
| Liabilities | |||
| Other Liabilities | $17,353,700 | $25,393,969 | ▲ $8,040,269 |
| Accounts Payable and Accrued Expenses | $87,191 | $231,978 | ▲ $144,787 |
| Total Liabilities | $17,440,891 | $25,625,947 | ▲ $8,185,056 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,700,429 | $4,355,422 | ▲ $1,654,993 |
| Total Liabilities and Net Assets / Fund Balance | $20,141,320 | $29,981,369 | ▲ $9,840,049 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $241,008 | $31,992 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $186,000 | - | $0 |
| Equipment | $58,255 | $99,631 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Melany Ward | President/CEO | FT | $140,000 | $10,418 | $150,418 |
| Name | Title |
|---|---|
| Ray McAlister | Board Chair |
| Deborah Beam | Director & Supervisory Chair |
| Lawrence Bridges | Director & Vice Chair |
| Adam Durkin | Board Member |
| Amanda Chosewood | Board Member |
| Gracie Heinen | Board Member |
| Barbara Strain | Director & Board Secretary |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $731,987 |
| Other Expenses | $667,699 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $408,458 |
| Fees for Services Accounting | - | - | - | $349,709 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $158,564 |
| Other Employee Benefits | - | - | - | $65,603 |
| Pension Plan Contributions | - | - | - | $56,701 |
| Conferences and Meetings | - | - | - | $53,550 |
| Office Expenses | - | - | - | $48,883 |
| Payroll Taxes | - | - | - | $42,661 |
| Occupancy | - | - | - | $40,734 |
| Advertising | - | - | - | $38,500 |
| Fees for Services Management | - | - | - | $32,931 |
| Information Technology | - | - | - | $22,690 |
| Other Expenses | - | - | - | $22,481 |
| Insurance | - | - | - | $20,681 |
| Payments to Affiliates | - | - | - | $16,090 |
| Depreciation Depletion | - | - | - | $15,500 |
| Travel | - | - | - | $5,950 |
| Total Functional Expenses | $0 | $0 | $0 | $1,399,686 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Credit Union Member Deposits | $25,393,969 |
“3401 Credit Union Members”
“The Board of Directors are elected by the membership.”
“The membership would vote on a merger.”
“The President reviews and provides to the Board of Directors”
“Policies are reviewed by the Board of Directors annually”
“The credit union Board of Directors review the salary surveys, and information produced by credit union associations for compensation paid for like or similar positions - tied to the local economy, years of experience, education, and training”
“The financial statements are posted in the lobby of the credit union on a monthly basis”
“Merged in another Credit Union and accepted their retained earning and regular reserves”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 1 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 87191 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 231978 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 43604 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 72806 |
| IRS990/AcctCompileOrReviewBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | Provide financial services to the various members of the financial institution including loan and deposit accounts |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 38500 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | Melany Ward |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 7068949069 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 255 North Main Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Cornelia |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | GA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 30531 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 657914 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 455574 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 158564 |
| IRS990/CompDisqualPersonsGrp/TotalAmt | 0 | 0 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 53550 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 70424 |
| IRS990/CYOtherExpensesAmt | 0 | 667699 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1641113 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 311851 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 731987 |
| IRS990/CYTotalExpensesAmt | 0 | 1399686 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1711537 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 15500 |
| IRS990/Desc | 0 | Cost to provide savings and loans to credit union membership |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 10 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 349709 |
| IRS990/FeesForServicesManagementGrp/TotalAmt | 0 | 32931 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 5 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Melany Ward |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Ray McAlister |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Lawrence Bridges |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Deborah Beam |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Barbara Strain |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Amanda Chosewood |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Adam Durkin |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Gracie Heinen |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 150814 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | President/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Board Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Director & Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director & Supervisory Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director & Board Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board Member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Board Member |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1979 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 0 |
| IRS990/GainOrLossGrp/SecuritiesAmt | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1711537 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 0 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 22690 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 20681 |
| IRS990/InvestmentExpenseAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 70424 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 70424 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 131623 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 461390 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 485263 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 616886 |
| IRS990/LegalDomicileStateCd | 0 | GA |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | Provide financial services to the various members of the financial institution including loan and deposit accounts. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2700429 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 4355422 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 4896 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 40734 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 48883 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 846932 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 990555 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 1343142 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 65603 |
| IRS990/OtherExpensesGrp/Desc | 0 | Dividends to Members |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 22481 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 17353700 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 25393969 |
| IRS990/OtherOrganizationDsc | 0 | Credit Union |
| IRS990/OtherRevenueTotalAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 408458 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 16005647 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 20660669 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 16090 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 42661 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 338407 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 56701 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 17917 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 14198 |
| IRS990/PrincipalOfficerNm | 0 | Melany Ward |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest on Member Loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Other Income |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Fees and Charges |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 2 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1176989 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 135664 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 323564 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1176989 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 140560 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 323564 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 4896 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 2 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 9119 |
| IRS990/PYOtherExpensesAmt | 0 | 548789 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1288119 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 153446 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 595003 |
| IRS990/PYTotalExpensesAmt | 0 | 1143792 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1297238 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 311851 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2362022 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 4355422 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 2107916 |
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| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Credit Union Member Deposits |
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| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Melany Ward |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | President/CEO |
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| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | 3401 Credit Union Members |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The Board of Directors are elected by the membership. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The membership would vote on a merger. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The President reviews and provides to the Board of Directors |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Policies are reviewed by the Board of Directors annually |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | The credit union Board of Directors review the salary surveys, and information produced by credit union associations for compensation paid for like or similar positions - tied to the local economy, years of experience, education, and training |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The financial statements are posted in the lobby of the credit union on a monthly basis |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Merged in another Credit Union and accepted their retained earning and regular reserves |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, Line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section C, Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990, Part XI, Line 9 |
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| IRS990/USAddress/AddressLine1Txt | 0 | 255 North Main St |
| IRS990/USAddress/CityNm | 0 | Cornelia |
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| ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/LastSubmissionRqrOOBCd | 0 | 1 |
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