Civic Intelligence

Membersfirst Credit Union

EIN 58-1489204 • 501(c)14 • Decatur, GA

Profile

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

2476 Lawrenceville HwyDecatur, GA 30033

www.membersfirstga.com

Siviq Scores

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

Liabilities / Assets

36th percentile

0.89x

Higher debt load relative to assets than 36% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

46th percentile

15.17x

Higher debt load relative to revenue than 46% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

66th percentile

14%

Higher net margin than 66% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

42nd percentile

$370,770

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 1.5% of source-year revenue.

$250M-$1B nonprofits • Source year 2024

Asset Growth

85th percentile

8.1%

Faster asset growth than 85% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Revenue Growth

67th percentile

19%

Faster revenue growth than 67% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets36th percentile

Assets

Up

$418,645,559

Up $23,845,443 (+6.0%) from 2023

Liabilities

Up

$373,061,771

Up $20,473,003 (+5.8%) from 2023

Net Assets

Up

$45,583,788

Up $3,372,440 (+8.0%) from 2023

Operations
Liabilities / Revenue46th percentileNet Margin66th percentile

Revenue

Up

$24,599,650

Up $3,669,574 (+18%) from 2023

Expenses

Up

$21,227,210

Up $3,824,219 (+22%) from 2023

Net Income

Down

$3,372,440

Down $154,645 (-4.4%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

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

$600M$400M$200M$0Assets 2010: $83,282,518Liabilities 2010: $74,173,367Net Assets 2010: $9,109,1512010Assets 2011: $97,726,966Liabilities 2011: $88,346,770Net Assets 2011: $9,380,1962011Assets 2012: $110,040,041Liabilities 2012: $99,762,654Net Assets 2012: $10,277,3872012Assets 2013: $114,274,617Liabilities 2013: $103,255,162Net Assets 2013: $11,019,4552013Assets 2014: $140,416,406Liabilities 2014: $125,269,974Net Assets 2014: $15,146,4322014Assets 2015: $173,448,167Liabilities 2015: $153,918,683Net Assets 2015: $19,529,4842015Assets 2016: $182,729,229Liabilities 2016: $162,716,248Net Assets 2016: $20,012,9812016Assets 2017: $192,173,435Liabilities 2017: $170,563,835Net Assets 2017: $21,609,6002017Assets 2018: $234,962,235Liabilities 2018: $206,978,837Net Assets 2018: $27,983,3982018Assets 2019: $243,776,744Liabilities 2019: $213,894,974Net Assets 2019: $29,881,7702019Assets 2020: $301,036,922Liabilities 2020: $269,878,980Net Assets 2020: $31,157,9422020Assets 2021: $348,729,006Liabilities 2021: $314,731,911Net Assets 2021: $33,997,0952021Assets 2022: $358,165,926Liabilities 2022: $320,040,842Net Assets 2022: $38,125,0842022Assets 2023: $394,800,116Liabilities 2023: $352,588,768Net Assets 2023: $42,211,3482023Assets 2024: $418,645,559Liabilities 2024: $373,061,771Net Assets 2024: $45,583,7882024

Highlighted filing

2024

Assets$418,645,559
Liabilities$373,061,771
Net Assets$45,583,788
Open 2024 Filing

Operations Trend

Revenue Growth67th percentile

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

$30M$20M$10M$0Expenses 2010: $5,737,8212010Expenses 2011: $6,074,8022011Revenue 2012: $6,822,077Expenses 2012: $5,924,886Net Income 2012: $897,1912012Revenue 2013: $7,169,512Expenses 2013: $6,094,904Net Income 2013: $1,074,6082013Revenue 2014: $7,659,595Expenses 2014: $6,922,983Net Income 2014: $736,6122014Revenue 2015: $8,819,195Expenses 2015: $8,238,600Net Income 2015: $580,5952015Revenue 2016: $10,616,606Expenses 2016: $10,094,643Net Income 2016: $521,9632016Revenue 2017: $11,639,955Expenses 2017: $10,043,335Net Income 2017: $1,596,6202017Revenue 2018: $14,066,943Expenses 2018: $12,490,056Net Income 2018: $1,576,8872018Revenue 2019: $15,597,660Expenses 2019: $13,682,066Net Income 2019: $1,915,5942019Revenue 2020: $14,221,720Expenses 2020: $12,945,548Net Income 2020: $1,276,1722020Revenue 2021: $15,204,020Expenses 2021: $12,364,867Net Income 2021: $2,839,1532021Revenue 2022: $17,444,196Expenses 2022: $13,316,207Net Income 2022: $4,127,9892022Revenue 2023: $20,930,076Expenses 2023: $17,402,991Net Income 2023: $3,527,0852023Revenue 2024: $24,599,650Expenses 2024: $21,227,210Net Income 2024: $3,372,4402024

Highlighted filing

2024

Revenue$24,599,650
Expenses$21,227,210
Net Income$3,372,440
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$418,645,559
Liabilities
$373,061,771
Net assets
$45,583,788
Revenue
$24,599,650
Expenses
$21,227,210
Net income
$3,372,440
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$419$373$45.6$24.6$21.2$3.37
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$395$353$42.2$20.9$17.4$3.53
2022Detailed filing. Detailed filing data is available for this year.$358$320$38.1$17.4$13.3$4.13
2021Detailed filing. Detailed filing data is available for this year.$349$315$34.0$15.2$12.4$2.84
2020Detailed filing. Detailed filing data is available for this year.$301$270$31.2$14.2$12.9$1.28
2019Detailed filing. Detailed filing data is available for this year.$244$214$29.9$15.6$13.7$1.92
2018Detailed filing. Detailed filing data is available for this year.$235$207$28.0$14.1$12.5$1.58
2017Detailed filing. Detailed filing data is available for this year.$192$171$21.6$11.6$10.0$1.60
2016Detailed filing. Detailed filing data is available for this year.$183$163$20.0$10.6$10.1$0.52
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$173$154$19.5$8.82$8.24$0.58
2014Detailed filing. Detailed filing data is available for this year.$140$125$15.1$7.66$6.92$0.74
2013Detailed filing. Detailed filing data is available for this year.$114$103$11.0$7.17$6.09$1.07
2012Summary only. Only limited summary data is available for this year.$110$99.8$10.3$6.82$5.92$0.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$97.7$88.3$9.38$6.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.3$74.2$9.11$5.74
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$24,599,650
Mission and Program Overview

Mission

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

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$280,996,301$274,183,455▼ $6,812,846
Savings and Temporary Cash Investments$78,612,191$108,082,784▲ $29,470,593
Rtn Earn Endowment Incm Other Fnds$42,211,348$45,583,788▲ $3,372,440
Land, Buildings, and Equipment, Net$13,065,788$12,935,070▼ $130,718
Cash and Non-Interest-Bearing Accounts$2,914,946$3,267,794▲ $352,848
Accounts Receivable$2,645,580$3,040,305▲ $394,725
Prepaid Expenses and Deferred Charges$631,395$820,903▲ $189,508
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$394,800,116$418,645,559▲ $23,845,443
Other Assets Total$15,933,915$16,315,248▲ $381,333
Liabilities
Other Liabilities$350,772,724$371,432,661▲ $20,659,937
Accounts Payable and Accrued Expenses$1,816,044$1,629,110▼ $186,934
Total Liabilities$352,588,768$373,061,771▲ $20,473,003
Net Assets / Fund Balance
Total Net Assets Fund Balance$42,211,348$45,583,788▲ $3,372,440
Total Liabilities and Net Assets / Fund Balance$394,800,116$418,645,559▲ $23,845,443

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,573,630$1,108,517$9,682,147
Equipment$707,339$3,716,714$4,424,053
Land$3,313,111-$3,313,111
Leasehold Improvements$340,990$1,135,845$1,476,835
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Terry HardyPresident/CEOFT$325,935$44,835$370,770
Gwen HardySenior VPFT$293,218$10,234$303,452
William LaughridgeVP of ItFT$139,274$26,082$165,356
Daveeth O SvanssonVP/consumer LendingFT$137,678$21,605$159,283
Kimberly McnaryVP of Commercial & Real EstateFT$145,137$5,929$151,066
Virginia ColegroveVP of Member ExperienceFT$138,900$5,560$144,460
James ColtraneVice President/CFOFT$135,895$5,234$141,129

Board Members and Trustees

NameTitle
Billy ReidBoard Member
Don NeunaberBoard Member
Don RemillardBoard Member
Douglas ReedBoard Member
Jack HagueBoard Member
Janice AlexanderBoard Member
Joe Van HornBoard Member
Lee UnderwoodBoard Member
Richard DalrympleBoard Member
Christina MillerCommittee Member
Elaine MooreCommittee Member
Jeffery ThomasCommittee Member
Nancy LawsonCommittee Member
Thomas OdomCommittee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,202,577
Investment Income
$4,382,887
Other Revenue
$6,014,186
Change in Net Assets
$3,372,440
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$7,545,276
Other Expenses$6,775,365
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$6,906,569--$6,906,569
Other Salaries and Wages$5,830,125--$5,830,125
Office Expenses$2,442,000--$2,442,000
Other Employee Benefits$1,253,322--$1,253,322
Fees for Services Other$731,914--$731,914
Information Technology$647,452--$647,452
Depreciation Depletion$493,881--$493,881
Current Officers, Directors, Trustees, and Key Employees$461,829--$461,829
Occupancy$380,485--$380,485
Advertising$343,393--$343,393
Conferences and Meetings$84,416--$84,416
Fees for Services Accounting$77,161--$77,161
Other Expenses$44,358--$44,358
Fees for Services Legal$39,900--$39,900
Payments to Affiliates$21,950--$21,950
Total Functional Expenses$21,227,210$0$0$21,227,210
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
Member Share Accounts$370,134,508
Unapplied Data Processing Exce$686,850
All Other Liabilities$611,303
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
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, Part VI, Section A, Line 6

“Credit union is organized with members. The members have savings and loan accounts. Members elect credit union officials.”

Form 990, Part VI, Section A, Line 7A

“Yes - the credit union's board of directors are elected by members after recommendation by a nominating committee”

Form 990, Part VI, Section A, Line 7B

“Yes certain decisions are approved by the membership”

Form 990, Part VI, Section B, Line 10B

“Yes, there are procedures in place to govern branches”

Form 990, Part VI, Section B, Line 11B

“Form 990 and 990t is reviewed by the ceo prior to filing. Board of directors will review the returns at a regularly scheduled meeting after filing”

Form 990, Part VI, Section B, Line 12C

“Conflicts of interest are part of the personnel policy”

Form 990, Part VI, Section B, Line 15

“Ceo compensation approved by the board of directors”

Form 990, Part VI, Section C, Line 19

“Credit union governing documents are made available to members upon request. Documents are published on guidestar org. Financial information is available to the general public through the national credit union administration”

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

“Salaries approved by the board of directors”

Filing and Contact Details

Filer

Filer Name
Membersfirst Credit Union
EIN
58-1489204
Phone
4043891239
Address
2476 LAWRENCEVILLE HWY, DECATUR, GA 30033

Signing Officer

Name
Terry Hardy
Title
CEO
Phone
4043891239
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Terry Hardy
Formed
1953
Legal Domicile
Ga
Voting Board Members
11
Independent Board Members
11
Employees
119
Volunteers
0

Preparer

Firm
Wipfli Llp
Address
235 PEACHTREE ST NE SUITE 1800, ATLANTA, GA 30303
Preparer
J Houston Holmes
Phone
4045884200
Supplemental Narrative

Additional Explanations

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

“To provide thrift savings and loan to members”

Raw XML AppendixShowing 400 of 566 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.

Path#Value
IRS990/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01816044
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01629110
IRS990/AccountsReceivableGrp/BOYAmt02645580
IRS990/AccountsReceivableGrp/EOYAmt03040305
IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO MEMBERS OF AN OWNED COOPERATIVE
IRS990/AdvertisingGrp/ProgramServicesAmt0343393
IRS990/AdvertisingGrp/TotalAmt0343393
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd00
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt06906569
IRS990/BenefitsToMembersGrp/TotalAmt06906569
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0JAMES COLTRANE
IRS990/BooksInCareOfDetail/PhoneNum04043891227
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02476 LAWRENCEVILLE HWY
IRS990/BooksInCareOfDetail/USAddress/CityNm0DECATUR
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd030033
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02914946
IRS990/CashNonInterestBearingGrp/EOYAmt03267794
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0461829
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0461829
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt084416
IRS990/ConferencesMeetingsGrp/TotalAmt084416
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt06906569
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt04382887
IRS990/CYOtherExpensesAmt06775365
IRS990/CYOtherRevenueAmt06014186
IRS990/CYProgramServiceRevenueAmt014202577
IRS990/CYRevenuesLessExpensesAmt03372440
IRS990/CYSalariesCompEmpBnftPaidAmt07545276
IRS990/CYTotalExpensesAmt021227210
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt024599650
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0493881
IRS990/DepreciationDepletionGrp/TotalAmt0493881
IRS990/Desc0TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO MEMBERS.
IRS990/DescribedInSection501c3Ind00
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IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0119
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt077161
IRS990/FeesForServicesAccountingGrp/TotalAmt077161
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt039900
IRS990/FeesForServicesLegalGrp/TotalAmt039900
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0731914
IRS990/FeesForServicesOtherGrp/TotalAmt0731914
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
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IRS990/Form990PartVIISectionAGrp/PersonNm0DON REMILLARD
IRS990/Form990PartVIISectionAGrp/PersonNm1DON NEUNABER
IRS990/Form990PartVIISectionAGrp/PersonNm2BILLY REID
IRS990/Form990PartVIISectionAGrp/PersonNm3DOUGLAS REED
IRS990/Form990PartVIISectionAGrp/PersonNm4LEE UNDERWOOD
IRS990/Form990PartVIISectionAGrp/PersonNm5JANICE ALEXANDER
IRS990/Form990PartVIISectionAGrp/PersonNm6JACK HAGUE
IRS990/Form990PartVIISectionAGrp/PersonNm7JOE VAN HORN
IRS990/Form990PartVIISectionAGrp/PersonNm8RICHARD DALRYMPLE
IRS990/Form990PartVIISectionAGrp/PersonNm9THOMAS ODOM
IRS990/Form990PartVIISectionAGrp/PersonNm10JEFFERY THOMAS
IRS990/Form990PartVIISectionAGrp/PersonNm11CHRISTINA MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm12ELAINE MOORE
IRS990/Form990PartVIISectionAGrp/PersonNm13NANCY LAWSON
IRS990/Form990PartVIISectionAGrp/PersonNm14TERRY HARDY
IRS990/Form990PartVIISectionAGrp/PersonNm15JAMES COLTRANE
IRS990/Form990PartVIISectionAGrp/PersonNm16GWEN HARDY
IRS990/Form990PartVIISectionAGrp/PersonNm17DAVEETH O SVANSSON
IRS990/Form990PartVIISectionAGrp/PersonNm18KIMBERLY MCNARY
IRS990/Form990PartVIISectionAGrp/PersonNm19WILLIAM LAUGHRIDGE
IRS990/Form990PartVIISectionAGrp/PersonNm20VIRGINIA COLEGROVE
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IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt11COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13COMMITTEE MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE PRESIDENT/CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt16SENIOR VP
IRS990/Form990PartVIISectionAGrp/TitleTxt17VP/CONSUMER LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt18VP OF COMMERCIAL & REAL ESTATE
IRS990/Form990PartVIISectionAGrp/TitleTxt19VP OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP OF MEMBER EXPERIENCE
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