Liabilities / Assets
39th percentile
Higher debt load relative to assets than 39% of similar nonprofits.
990 • Fiscal year 2019 • EIN 58-1489204
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
39th percentile
Higher debt load relative to assets than 39% of similar nonprofits.
Liabilities / Revenue
24th percentile
Higher debt load relative to revenue than 24% of similar nonprofits.
Net Margin
47th percentile
Higher net margin than 47% of similar nonprofits.
Top Officer Pay
51st percentile
Higher top officer pay than 51% of similar nonprofits.
Top officer pay equals 1.4% of source-year revenue.
Asset Growth
45th percentile
Faster asset growth than 45% of similar nonprofits.
Revenue Growth
66th percentile
Faster revenue growth than 66% of similar nonprofits.
Assets
Up$243,776,744
Up $8,814,509 (+3.8%) from 2018
Net Assets
Up$29,881,770
Up $1,898,372 (+6.8%) from 2018
Liabilities
Up$213,894,974
Up $6,916,137 (+3.3%) from 2018
Revenue
Up$15,597,660
Up $1,530,717 (+11%) from 2018
Expenses
Up$13,682,066
Up $1,192,010 (+9.5%) from 2018
Net Income
Up$1,915,594
Up $338,707 (+21%) from 2018
To provide thrift savings and borrowings to members of an owned cooperative.
To provide thrift savings and borrowings to members of an owned cooperative
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $160,593,000 | $171,264,129 | ▲ $10,671,129 |
| Savings and Temporary Cash Investments | $53,839,545 | $51,245,588 | ▼ $2,593,957 |
| Rtn Earn Endowment Incm Other Fnds | $27,983,398 | $29,881,770 | ▲ $1,898,372 |
| Land, Buildings, and Equipment, Net | $8,736,145 | $9,121,783 | ▲ $385,638 |
| Cash and Non-Interest-Bearing Accounts | $3,344,717 | $3,592,366 | ▲ $247,649 |
| Accounts Receivable | $1,524,235 | $1,503,047 | ▼ $21,188 |
| Prepaid Expenses and Deferred Charges | $652,510 | $711,971 | ▲ $59,461 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $234,962,235 | $243,776,744 | ▲ $8,814,509 |
| Other Assets Total | $6,272,083 | $6,337,860 | ▲ $65,777 |
| Liabilities | |||
| Other Liabilities | $204,792,861 | $212,635,387 | ▲ $7,842,526 |
| Accounts Payable and Accrued Expenses | $2,185,976 | $1,259,587 | ▼ $926,389 |
| Total Liabilities | $206,978,837 | $213,894,974 | ▲ $6,916,137 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $27,983,398 | $29,881,770 | ▲ $1,898,372 |
| Total Liabilities and Net Assets / Fund Balance | $234,962,235 | $243,776,744 | ▲ $8,814,509 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $1,202,468 | $2,728,031 | $3,930,499 |
| Buildings | $3,333,558 | $220,094 | $3,553,652 |
| Land | $3,313,111 | - | $3,313,111 |
| Leasehold Improvements | $1,272,646 | $1,105,639 | $2,378,285 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Terry Hardy | President/CEO | FT | $215,193 | $1,441 | $216,634 |
| Pam Goehner | Vice President/COO | FT | $105,815 | $19,079 | $124,894 |
| James Coltrane | Vice President/CFO | FT | $108,357 | - | $108,357 |
| Kimberly Mcnary | Director of Commercial & Real Estate Lending | FT | $102,959 | $1,787 | $104,746 |
| Kimberly Mcnary | Director of Commercial & Real Estate | - | $99,817 | $4,929 | $104,746 |
| Name | Title |
|---|---|
| Billy Reid | Board Member |
| David Makkers | Board Member |
| Don Neunaber | Board Member |
| Don Remillard | Board Member |
| Donna Lewellyn | Board Member |
| Douglas Reed | Board Member |
| Jack Hague | Board Member |
| Jo Allen | Board Member |
| Joe Van Horn | Board Member |
| Lee Underwood | Board Member |
| Nancy Ward | Board Member |
| Richard Dalrymple | Board Member |
| Willie Drain | Board Member |
| Christina Miller | Committee Member |
| Elaine Moore | Committee Member |
| Jeffery Thomas | Committee Member |
| Nancy Lawson | Committee Member |
| Thomas Odom | Committee Member |
| Line Item | Amount |
|---|---|
| Other Expenses | $6,931,567 |
| Salaries, Compensation, and Employee Benefits | $5,686,796 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $4,104,992 | - | - | $4,104,992 |
| Office Expenses | $2,431,780 | - | - | $2,431,780 |
| Other Employee Benefits | $1,141,739 | - | - | $1,141,739 |
| Benefits to Members | $1,063,703 | - | - | $1,063,703 |
| Information Technology | $748,972 | - | - | $748,972 |
| Advertising | $698,165 | - | - | $698,165 |
| Fees for Services Other | $492,326 | - | - | $492,326 |
| Depreciation Depletion | $486,445 | - | - | $486,445 |
| Current Officers, Directors, Trustees, and Key Employees | $440,065 | - | - | $440,065 |
| Occupancy | $399,251 | - | - | $399,251 |
| Conferences and Meetings | $85,472 | - | - | $85,472 |
| Payments to Affiliates | $63,550 | - | - | $63,550 |
| Other Expenses | $36,092 | - | - | $36,092 |
| Fees for Services Accounting | $33,575 | - | - | $33,575 |
| Total Functional Expenses | $13,682,066 | $0 | $0 | $13,682,066 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Share Accounts | $211,276,809 |
| Unapplied Data Processing Exce | $702,531 |
| All Other Liabilities | $656,047 |
“Credit union is organized with members. The members have savings and loan accounts. Members elect credit union officials.”
“Yes - the credit union's board of directors are elected by members after recommendation by a nominating committee”
“Yes certain decisions are approved by the membership”
“Yes, there are procedures in place to govern branches”
“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”
“Conflicts of interest are part of the personnel policy”
“Ceo compensation approved by the board of directors”
“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”
“Salaries approved by the board of directors”
“To provide thrift savings and loan to members”
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 | 2185976 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 1259587 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 1524235 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 1503047 |
| IRS990/AcctCompileOrReviewBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO MEMBERS OF AN OWNED COOPERATIVE |
| IRS990/AdvertisingGrp/ProgramServicesAmt | 0 | 698165 |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 698165 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 0 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BenefitsToMembersGrp/ProgramServicesAmt | 0 | 1063703 |
| IRS990/BenefitsToMembersGrp/TotalAmt | 0 | 1063703 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | JAMES COLTRANE |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4043891227 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 2050 LAWRENCEVILLE HWY STE C-40 |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | DECATUR |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | GA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 30033 |
| 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 | 3344717 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 3592366 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 440065 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 440065 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 85472 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 85472 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 1063703 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 1386224 |
| IRS990/CYOtherExpensesAmt | 0 | 6931567 |
| IRS990/CYOtherRevenueAmt | 0 | 5571853 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 8639583 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1915594 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 5686796 |
| IRS990/CYTotalExpensesAmt | 0 | 13682066 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 15597660 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 486445 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 486445 |
| IRS990/Desc | 0 | TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 114 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 33575 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 33575 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 492326 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 492326 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 12 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 13 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 14 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 15 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 16 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 17 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 18 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 19 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 20 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 21 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| 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/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 11 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 12 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 13 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 14 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 15 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 16 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 17 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | 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/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 18 | 1441 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 19 | 8379 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 20 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 21 | 1787 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | DON REMILLARD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | WILLIE DRAIN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | DONNA LEWELLYN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | DAVID MAKKERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | DON NEUNABER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | BILLY REID |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | DOUGLAS REED |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | LEE UNDERWOOD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | NANCY WARD |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | JACK HAGUE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | JOE VAN HORN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | RICHARD DALRYMPLE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 12 | THOMAS ODOM |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 13 | JEFFERY THOMAS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 14 | CHRISTINA MILLER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 15 | JO ALLEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 16 | ELAINE MOORE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 17 | NANCY LAWSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 18 | TERRY HARDY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 19 | PAM GOEHNER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 20 | JAMES COLTRANE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 21 | KIMBERLY MCNARY |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| 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/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 18 | 215193 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 19 | 116515 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 20 | 108357 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 21 | 102959 |
| 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/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 12 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 13 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 14 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 15 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 16 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 17 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 18 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 19 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 20 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 21 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 12 | COMMITTEE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 13 | COMMITTEE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 14 | COMMITTEE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 15 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 16 | COMMITTEE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 17 | COMMITTEE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 18 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 19 | VICE PRESIDENT/COO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 20 | VICE PRESIDENT/CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 21 | DIRECTOR OF COMMERCIAL & REAL ESTATE LENDING |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 0 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1953 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | 5830 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 13 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossAmountSalesAssetsGrp/OtherAmt | 0 | 5830 |
| IRS990/GrossReceiptsAmt | 0 | 15597660 |
| IRS990/GroupExemptionNum | 0 | 3804 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 13 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 748972 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 748972 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1380394 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 1380394 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 6711 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 4053764 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 8736145 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 9121783 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 13175547 |
| IRS990/LegalDomicileStateCd | 0 | GA |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 0 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 22469 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 22469 |
| IRS990/MissionDesc | 0 | TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO MEMBERS OF AN OWNED COOPERATIVE |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 27983398 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 29881770 |
| IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt | 0 | 5830 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | 5830 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -76071 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 399251 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 399251 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 2431780 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 2431780 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 6272083 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 6337860 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 1141739 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 1141739 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 2 | MISCELLANEOUS |
| IRS990/OtherExpensesGrp/Desc | 3 | OPERATING FEES |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 765000 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 476497 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 214442 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 36092 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 765000 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 476497 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 214442 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 36092 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 204792861 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 212635387 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | FEES AND CHARGES |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | OTHER MISCELLANEOUS INCOME |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | OTHER NON-OPERATING INCOME |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 3274660 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 2181650 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 93074 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 3274660 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 2181650 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 93074 |
| IRS990/OtherRevenueTotalAmt | 0 | 5571853 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 4104992 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 4104992 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 160593000 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 171264129 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 63550 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 63550 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 0 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 652510 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 711971 |
| IRS990/PrincipalOfficerNm | 0 | TERRY HARDY |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | -17222 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST INCOME FROM LOANS |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 8639583 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 8639583 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO MEMBERS. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 838431 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 965992 |
| IRS990/PYOtherExpensesAmt | 0 | 6479078 |
| IRS990/PYOtherRevenueAmt | 0 | 5453011 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 7647940 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1576887 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 5172547 |
| IRS990/PYTotalExpensesAmt | 0 | 12490056 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 14066943 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1915594 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 27983398 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 29881770 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 53839545 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 51245588 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3333558 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 220094 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 3553652 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 1202468 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 2728031 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 3930499 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 3313111 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 3313111 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 1272646 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 1105639 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 2378285 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 211276809 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 702531 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 656047 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | UNAPPLIED DATA PROCESSING EXCE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | ALL OTHER LIABILITIES |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 9121783 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 212635387 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 215193 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 105815 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 2 | 108357 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 3 | 99817 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 2 | 0 |
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Displayed year
2019 • Form 990Detailed filing. Detailed filing data is available for this year.