Civic Intelligence

Georgia Credit Union Foundation Inc

EIN 58-1799727 • 501(c)3 • Duluth, GA

Profile

TRAINING AND EDUCATION

6705 Sugarloaf Parkway Suite 200Duluth, GA 30097

www.gcua.org

Siviq Scores

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

Liabilities / Assets

74th percentile

0.04x

Higher debt load relative to assets than 74% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

79th percentile

0.06x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Net Margin

48th percentile

0.7%

Higher net margin than 48% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2018

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2015

Asset Growth

57th percentile

1.3%

Faster asset growth than 57% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

61st percentile

7.3%

Faster revenue growth than 61% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets74th percentile

Assets

Up

$281,860

Up $3,633 (+1.3%) from 2017

Liabilities

Up

$11,289

Up $2,136 (+23%) from 2017

Net Assets

Up

$270,571

Up $1,497 (+0.6%) from 2017

Operations
Liabilities / Revenue79th percentileNet Margin48th percentile

Revenue

Up

$200,370

Up $13,564 (+7.3%) from 2017

Expenses

Up

$198,873

Up $12,678 (+6.8%) from 2017

Net Income

Up

$1,497

Up $886 (+145%) from 2017

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

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

$300K$200K$100K$0Assets 2010: $266,075Liabilities 2010: $10,799Net Assets 2010: $255,2762010Assets 2011: $255,581Liabilities 2011: $9,474Net Assets 2011: $246,1072011Assets 2012: $237,666Liabilities 2012: $11,366Net Assets 2012: $226,3002012Assets 2013: $246,338Liabilities 2013: $5,674Net Assets 2013: $240,6642013Assets 2014: $267,962Liabilities 2014: $6,736Net Assets 2014: $261,2262014Assets 2015: $290,067Liabilities 2015: $6,705Net Assets 2015: $283,3622015Assets 2016: $279,080Liabilities 2016: $10,617Net Assets 2016: $268,4632016Assets 2017: $278,227Liabilities 2017: $9,153Net Assets 2017: $269,0742017Assets 2018: $281,860Liabilities 2018: $11,289Net Assets 2018: $270,5712018

Highlighted filing

2018

Assets$281,860
Liabilities$11,289
Net Assets$270,571
Open 2018 Filing

Operations Trend

Revenue Growth61st percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $212,9252010Expenses 2011: $189,2612011Expenses 2012: $229,9932012Revenue 2013: $211,710Expenses 2013: $197,346Net Income 2013: $14,3642013Revenue 2014: $177,216Expenses 2014: $156,654Net Income 2014: $20,5622014Revenue 2015: $169,725Expenses 2015: $147,589Net Income 2015: $22,1362015Revenue 2016: $169,884Expenses 2016: $184,783Net Income 2016: -$14,8992016Revenue 2017: $186,806Expenses 2017: $186,195Net Income 2017: $6112017Revenue 2018: $200,370Expenses 2018: $198,873Net Income 2018: $1,4972018

Highlighted filing

2018

Revenue$200,370
Expenses$198,873
Net Income$1,497
Open 2018 Filing

Filings

Most recent year

2018 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$281,860
Liabilities
$11,289
Net assets
$270,571
Revenue
$200,370
Expenses
$198,873
Net income
$1,497
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Summary only. Only limited summary data is available for this year.$2.82$0.11$2.71$2.00$1.99$0.01
2017Summary only. Only limited summary data is available for this year.$2.78$0.09$2.69$1.87$1.86$0.01
2016Summary only. Only limited summary data is available for this year.$2.79$0.11$2.68$1.70$1.85$0.15
2015Detailed filing. Detailed filing data is available for this year.$2.90$0.07$2.83$1.70$1.48$0.22
2014Detailed filing. Detailed filing data is available for this year.$2.68$0.07$2.61$1.77$1.57$0.21
2013Detailed filing. Detailed filing data is available for this year.$2.46$0.06$2.41$2.12$1.97$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.38$0.11$2.26$2.30
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.56$0.09$2.46$1.89
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.66$0.11$2.55$2.13
Latest Detailed Filing

The latest 2018 filing currently has summary financial data only. Showing the latest detailed filing from 2015 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 3, 2016
Return Version
2015v2.1
Gross Receipts
$183,901
Mission and Program Overview

Mission

TRAINING AND EDUCATION

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$265,023$290,067▲ $25,044
Accounts Receivable$2,939--
Total Assets$267,962$290,067▲ $22,105
Liabilities
Accounts Payable and Accrued Expenses$6,736$6,705▼ $31
Total Liabilities$6,736$6,705▼ $31
Net Assets / Fund Balance
Unrestricted Net Assets$231,123$253,238▲ $22,115
Permanently Rstr Net Assets$23,496$23,496→ $0
Temporarily Rstr Net Assets$6,607$6,628▲ $21
Total Net Assets Fund Balance$261,226$283,362▲ $22,136
Total Liabilities and Net Assets / Fund Balance$267,962$290,067▲ $22,105
Compensation and Service Providers
Top Officer Pay81st percentile

Board Members and Trustees

NameTitle
Stephen SmithChairman
Keith PritchardVice Chair
Kelly GarmonDirector
Polly BellDirector
Michael J MercerCEO
Jamie S FristoeCFO
Kay LytleSecretary
Matthew ShepherdTreasurer/se
Revenue and Support

Revenue Composition

Contributions and Grants
$181,205
Program Service Revenue
$0
Investment Income
$2,696
Other Revenue
$-14,176
All Other Contributions
$151,495
Change in Net Assets
$22,136

Audited Revenue Reconciliation

Revenue per Audited Statements
$169,725
Total Revenue per Audited Statements
$169,725
Total Revenue per Form 990
$169,725
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$78,136
Grants and Similar Amounts Paid$36,345
Salaries, Compensation, and Employee Benefits$33,108
Total Fundraising Expense$5,849
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$37,500$10,000$2,500$50,000
Grants to Domestic Orgs$33,447--$33,447
Other Salaries and Wages$22,947--$22,947
Travel$5,388$2,817$704$8,909
Other Employee Benefits$8,276--$8,276
Conferences and Meetings$6,006--$6,006
Occupancy-$4,694$1,174$5,868
Office Expenses-$2,639$660$3,299
Grants to Domestic Individuals$2,898--$2,898
Fees for Services Accounting-$2,182$546$2,728
Payroll Taxes$1,885--$1,885
Advertising-$798$199$997
Fees for Services Legal-$154$39$193
Insurance-$109$27$136
Total Functional Expenses$118,347$23,393$5,849$147,589

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$147,589
Total Expenses per Audited Statements$147,589
Total Expenses per Form 990$147,589
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
National Credit Union FoundationMadison, WI3-$10,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$14,176
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Tournament$29,710---
Total Events$29,710-$14,176$-14,176
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 9

“Stephen smith 3604 atlanta avenue hapeville, ga 30354 keith pritchard 1991 lower roswell road marietta, ga 30068 matthew shepherd 3250 riverwood parkway atlanta, ga 30339 polly bell 6333 whitesville road columbus, 1 31904 kelly garmon 1155 peachtree street, ne atlanta, ga 30309”

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

“No review was or will be conducted.”

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

“All transactions of the foundation are regularly reviewed for conflicts. Foundation financial statements are audited by an independent cpa firm where conflicts of interest must be disclosed. In 2015, no conflicts were discovered.”

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

“Ceo compensation is reviewed and approved annually by a compensation committee for georgia credit union affiliates. The committee is comprised of three independent directors. Credit union national association prepares a survey of league ceos and employee compensation data that is reviewed by the committee. Minutes of the compensation committee are written and approved.”

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

“Written annual reviews required for all employees which are reviewed by ceo. Employees salaries are set and compared periodically with annual salary survey conducted by credit union national association (cuna).”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Georgia Credit Union Foundation
EIN
58-1799727
Phone
7704769625
Address
6705 SUGARLOAF PARKWAY SUITE 200, DULUTH, GA 30097

Signing Officer

Name
Jamie S Fristoe
Title
CFO
Phone
7704769625
Signed
2016-05-03

Organization Details

Principal Officer
Michael J Mercer
Formed
1988
Legal Domicile
Ga
Voting Board Members
5
Independent Board Members
5
Employees
0

Preparer

Firm
Georgia Credit Union League
Address
6705 SUGARLOAF PKWY STE 200, DULUTH, GA 30097-4926
Preparer
Jamie Fristoe
Phone
6785423463
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Golf tournament exp net against revenue on 990 0 golf tournament dir exp net against revenue on 990 0”

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 2D

“Golf tournament exp net against revenue on 990 0”

Schedule D, Page 4, Part XII, Line 2D

“Golf tournament dir exp net against revenue on 990 0”

Raw XML Appendix393 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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IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0NATIONAL CREDIT UNION FOUNDATION
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0STEPHEN SMITH 3604 ATLANTA AVENUE HAPEVILLE, GA 30354 KEITH PRITCHARD 1991 LOWER ROSWELL ROAD MARIETTA, GA 30068 MATTHEW SHEPHERD 3250 RIVERWOOD PARKWAY ATLANTA, GA 30339 POLLY BELL 6333 WHITESVILLE ROAD COLUMBUS, 1 31904 KELLY GARMON 1155 PEACHTREE STREET, NE ATLANTA, GA 30309
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL TRANSACTIONS OF THE FOUNDATION ARE REGULARLY REVIEWED FOR CONFLICTS. FOUNDATION FINANCIAL STATEMENTS ARE AUDITED BY AN INDEPENDENT CPA FIRM WHERE CONFLICTS OF INTEREST MUST BE DISCLOSED. IN 2015, NO CONFLICTS WERE DISCOVERED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CEO COMPENSATION IS REVIEWED AND APPROVED ANNUALLY BY A COMPENSATION COMMITTEE FOR GEORGIA CREDIT UNION AFFILIATES. THE COMMITTEE IS COMPRISED OF THREE INDEPENDENT DIRECTORS. CREDIT UNION NATIONAL ASSOCIATION PREPARES A SURVEY OF LEAGUE CEOS AND EMPLOYEE COMPENSATION DATA THAT IS REVIEWED BY THE COMMITTEE. MINUTES OF THE COMPENSATION COMMITTEE ARE WRITTEN AND APPROVED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4WRITTEN ANNUAL REVIEWS REQUIRED FOR ALL EMPLOYEES WHICH ARE REVIEWED BY CEO. EMPLOYEES SALARIES ARE SET AND COMPARED PERIODICALLY WITH ANNUAL SALARY SURVEY CONDUCTED BY CREDIT UNION NATIONAL ASSOCIATION (CUNA).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOLF TOURNAMENT EXP NET AGAINST REVENUE ON 990 0 GOLF TOURNAMENT DIR EXP NET AGAINST REVENUE ON 990 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 9
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMIE S FRISTOE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum07704769625
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-03
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ReturnHeader/PreparerPersonGrp/PreparationDt02016-11-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JAMIE FRISTOE
ReturnHeader/ReturnTs02016-11-04T15:32:57-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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