Civic Intelligence

Credit Union of Georgia

EIN 58-6034116 • 501(c)14 • Kennesaw, GA

View Organization Page

Profile

The credit union is a cooperative organized to provide members thrift savings and borrowings.

4178 Jiles Road Bldg 100Kennesaw, GA 30144

wwww.cuofga.org

Siviq Scores

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

Liabilities / Assets

66th percentile

0.91x

Higher debt load relative to assets than 66% of similar nonprofits.

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

Liabilities / Revenue

60th percentile

15.61x

Higher debt load relative to revenue than 60% of similar nonprofits.

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

Net Margin

85th percentile

19%

Higher net margin than 85% of similar nonprofits.

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

Top Officer Pay

70th percentile

$538,121

Higher top officer pay than 70% of similar nonprofits.

Top officer pay equals 1.4% of source-year revenue.

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

Asset Growth

74th percentile

6.3%

Faster asset growth than 74% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

78th percentile

19%

Faster revenue growth than 78% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets66th percentile

Assets

Up

$672,995,935

Up $39,783,544 (+6.3%) from 2023

Liabilities

Up

$613,032,091

Up $30,338,692 (+5.2%) from 2023

Net Assets

Up

$59,963,844

Up $9,444,852 (+19%) from 2023

Operations
Liabilities / Revenue60th percentileNet Margin85th percentile

Revenue

Up

$39,281,158

Up $6,260,837 (+19%) from 2023

Expenses

Up

$31,951,989

Up $6,806,228 (+27%) from 2023

Net Income

Down

$7,329,169

Down $545,391 (-6.9%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth74th percentile

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

$800M$600M$400M$200M$0Assets 2010: $187,844,499Liabilities 2010: $177,400,445Net Assets 2010: $10,444,0542010Assets 2011: $185,566,363Liabilities 2011: $175,421,574Net Assets 2011: $10,144,7892011Assets 2012: $206,065,043Liabilities 2012: $191,779,109Net Assets 2012: $14,285,9342012Assets 2013: $214,610,883Liabilities 2013: $197,313,272Net Assets 2013: $17,297,6112013Assets 2014: $229,612,435Liabilities 2014: $208,344,423Net Assets 2014: $21,268,0122014Assets 2015: $249,294,235Liabilities 2015: $225,332,599Net Assets 2015: $23,961,6362015Assets 2016: $274,137,447Liabilities 2016: $248,389,012Net Assets 2016: $25,748,4352016Assets 2017: $300,026,059Liabilities 2017: $271,655,625Net Assets 2017: $28,370,4342017Assets 2018: $321,563,436Liabilities 2018: $289,086,617Net Assets 2018: $32,476,8192018Assets 2019: $353,481,336Liabilities 2019: $315,849,911Net Assets 2019: $37,631,4252019Assets 2020: $465,219,704Liabilities 2020: $423,966,927Net Assets 2020: $41,252,7772020Assets 2021: $568,450,220Liabilities 2021: $525,160,595Net Assets 2021: $43,289,6252021Assets 2022: $609,216,760Liabilities 2022: $568,868,183Net Assets 2022: $40,348,5772022Assets 2023: $633,212,391Liabilities 2023: $582,693,399Net Assets 2023: $50,518,9922023Assets 2024: $672,995,935Liabilities 2024: $613,032,091Net Assets 2024: $59,963,8442024

Highlighted filing

2024

Assets$672,995,935
Liabilities$613,032,091
Net Assets$59,963,844
Open 2024 Filing

Operations Trend

Revenue Growth78th percentile

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

$40M$30M$20M$10M$0Expenses 2010: $18,364,7032010Expenses 2011: $14,067,9522011Revenue 2012: $13,000,572Expenses 2012: $8,918,991Net Income 2012: $4,081,5812012Revenue 2013: $12,528,110Expenses 2013: $8,814,598Net Income 2013: $3,713,5122013Revenue 2014: $12,341,993Expenses 2014: $8,867,852Net Income 2014: $3,474,1412014Revenue 2015: $12,839,378Expenses 2015: $9,760,465Net Income 2015: $3,078,9132015Revenue 2016: $13,022,051Expenses 2016: $10,682,426Net Income 2016: $2,339,6252016Revenue 2017: $14,094,763Expenses 2017: $11,280,139Net Income 2017: $2,814,6242017Revenue 2018: $16,953,800Expenses 2018: $12,195,919Net Income 2018: $4,757,8812018Revenue 2019: $17,955,695Expenses 2019: $14,760,936Net Income 2019: $3,194,7592019Revenue 2020: $18,641,670Expenses 2020: $16,099,324Net Income 2020: $2,542,3462020Revenue 2021: $21,135,096Expenses 2021: $17,108,292Net Income 2021: $4,026,8042021Revenue 2022: $25,375,491Expenses 2022: $19,078,588Net Income 2022: $6,296,9032022Revenue 2023: $33,020,321Expenses 2023: $25,145,761Net Income 2023: $7,874,5602023Revenue 2024: $39,281,158Expenses 2024: $31,951,989Net Income 2024: $7,329,1692024

Highlighted filing

2024

Revenue$39,281,158
Expenses$31,951,989
Net Income$7,329,169
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
$672,995,935
Liabilities
$613,032,091
Net assets
$59,963,844
Revenue
$39,281,158
Expenses
$31,951,989
Net income
$7,329,169
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$673$613$60.0$39.3$32.0$7.33
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$633$583$50.5$33.0$25.1$7.87
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$609$569$40.3$25.4$19.1$6.30
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$568$525$43.3$21.1$17.1$4.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$465$424$41.3$18.6$16.1$2.54
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$353$316$37.6$18.0$14.8$3.19
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$322$289$32.5$17.0$12.2$4.76
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$300$272$28.4$14.1$11.3$2.81
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$274$248$25.7$13.0$10.7$2.34
2015Detailed filing. Detailed filing data is available for this year.$249$225$24.0$12.8$9.76$3.08
2014Detailed filing. Detailed filing data is available for this year.$230$208$21.3$12.3$8.87$3.47
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$215$197$17.3$12.5$8.81$3.71
2012Summary only. Only limited summary data is available for this year.$206$192$14.3$13.0$8.92$4.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$186$175$10.1$14.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$188$177$10.4$18.4
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 3, 2025
Return Version
2024v5.2
Gross Receipts
$60,094,088
Mission and Program Overview

Mission

The credit union is a cooperative organized to provide members thrift savings and borrowings.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$427,599,906$462,008,490▲ $34,408,584
Investments Other Securities$104,036,674$106,238,418▲ $2,201,744
Savings and Temporary Cash Investments$70,021,532$65,584,792▼ $4,436,740
Rtn Earn Endowment Incm Other Fnds$50,518,992$59,963,844▲ $9,444,852
Land, Buildings, and Equipment, Net$15,031,394$15,479,543▲ $448,149
Cash and Non-Interest-Bearing Accounts$3,155,514$3,140,341▼ $15,173
Prepaid Expenses and Deferred Charges$1,395,580$2,194,933▲ $799,353
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$633,212,391$672,995,935▲ $39,783,544
Other Assets Total$11,971,791$18,349,418▲ $6,377,627
Liabilities
Other Liabilities$568,846,854$599,994,800▲ $31,147,946
Mortgage Notes Payable Secured by Investment Property$8,000,000$10,000,000▲ $2,000,000
Accounts Payable and Accrued Expenses$5,846,545$3,037,291▼ $2,809,254
Total Liabilities$582,693,399$613,032,091▲ $30,338,692
Net Assets / Fund Balance
Total Net Assets Fund Balance$50,518,992$59,963,844▲ $9,444,852
Total Liabilities and Net Assets / Fund Balance$633,212,391$672,995,935▲ $39,783,544

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,908,341$4,058,821$11,967,162
Land$5,342,568-$5,342,568
Equipment$1,654,313$3,228,562$4,882,875
Other Land Buildings$544,986$1,853,291$2,398,277
Leasehold Improvements$29,335$200,837$230,172
Other Securities$2,410,443--
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brian AlbrechtPresident/CEOFT$412,539$125,582$538,121
Katheryn DayExecutive Vice PresidentFT$235,875$82,036$317,911
Brian HawkinsCFOFT$222,300$81,816$304,116
Joseph MennaSenior Mortgage OfficerFT$510$274,121$274,631
Jason WalkerCLOFT$201,059$48,740$249,799
Thomas McnuttVP of Information TechnoloFT$175,075$59,827$234,902
John ShortVP of Hr and TrainingFT$162,391$58,275$220,666
Lynn RossMortgage Operations OfficerFT$160,310$46,961$207,271
Melissa BotkinsVP of MortgageFT$161,065$35,278$196,343
Amanda ArnoldDirector of Community OutreachFT$143,296$41,592$184,888
David DuncanVP of Finance and AccountingFT$131,545$45,167$176,712
Wes HilliardCTOFT$72,023$2,438$74,461

Board Members and Trustees

NameTitle
Michael AndersonChairperson
Jill MutimerVice Chairperson
Dr Frances RobersonDirector
Dr Randy ReeceDirector
Danny SmithDirector Emeritus
J Lynn RaineySecretary
David FarmerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
LanveraStatement Printing112 WRANGLER DRIVE SUITE 150, Coppell, TX 75019$269,008
Lefkoff Rubin Gleason & Russo PCLegal Services5555 GLENRIDGE CONNECTOR - STE 900, Atlanta, GA 30342$173,011
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$33,785,057
Investment Income
$5,496,101
Other Revenue
$0
Change in Net Assets
$7,329,169

Audited Revenue Reconciliation

Revenue per Audited Statements
$39,281,158
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$2,115,689
Total Revenue per Audited Statements
$41,396,847
Total Revenue per Form 990
$39,281,158
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$21,245,414
Salaries, Compensation, and Employee Benefits$10,706,575
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$9,140,778
Other Salaries and Wages---$7,000,138
Office Expenses---$2,106,160
Fees for Services Other---$1,962,252
Current Officers, Directors, Trustees, and Key Employees---$1,749,696
Depreciation Depletion---$1,214,320
Occupancy---$885,680
Other Employee Benefits---$780,638
Payroll Taxes---$640,631
Advertising---$616,512
Pension Plan Contributions---$535,472
All Other Expenses---$270,180
Travel---$164,762
Other Expenses---$163,329
Insurance---$101,591
Fees for Services Accounting---$90,835
Fees for Services Legal---$24,362
Total Functional Expenses$0$0$0$31,951,989

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$31,951,989
Total Expenses per Audited Statements$31,951,989
Total Expenses per Form 990$31,951,989
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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 Shares$596,468,183
Lease Liabilities$3,526,617
Governance and Compliance

Governance Checklist

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

“The organization has approximately 35,796 members.”

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

“Election of members and their rights: all persons eligible for membership as defined by the bylaws can join.”

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

“Decisions subject to approval of members: the board of directors is elected by the membership.”

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

“Organization's process to review form 990: forms 990 and 990t are reviewed by credit union officers and board of directors prior to filing.”

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

“Enforcement of conflicts policy: conflicts of interest are part of personnel policy, as well as board code of ethics policy.”

Form 990, Part VI, Section B, Line 15

“Compensation process for top official: compensation of top officials are subject to review by the board of directors. An outside, independent consulting organization is used to determine salary guidelines.”

Form 990, Part VI, Section C, Line 19

“Credit union governing documents are made available to members upon request and through the intranet. Financial information is available to the general public through ncua reports.”

Filing and Contact Details

Filer

Filer Name
Credit Union of Georgia
EIN
58-6034116
Phone
6783222025
Address
4178 JILES ROAD BLDG 100, KENNESAW, GA 30144

Signing Officer

Name
Brian Hawkins
Title
CFO
Phone
6783222025
Signed
2025-07-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brian Albrecht
Formed
1960
Legal Domicile
Ga
Voting Board Members
7
Independent Board Members
7
Employees
135
Volunteers
9

Preparer

Firm
Wipfli Llp
Address
7000 CENTRAL PARKWAY NE STE 1000, ATLANTA, GA 30328
Preparer
J Houston Holmes
Phone
4045884200
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“No change from prior year”

Financial Statement Notes

PART X, LINE 2:

“The organization has no uncertain tax liabilities under fin 48”

PART XI, LINE 4B - OTHER ADJUSTMENTS:

“Reclass of investment loss from expense to revenue”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Reclass of investment loss from expense to revenue”

Raw XML AppendixShowing 400 of 695 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/AccountantCompileOrReviewInd00
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IRS990/ActivityOrMissionDesc0THE CREDIT UNION IS A COOPERATIVE ORGANIZED TO PROVIDE MEMBERS THRIFT SAVINGS AND BORROWINGS.
IRS990/AdvertisingGrp/TotalAmt0616512
IRS990/AllOtherExpensesGrp/TotalAmt0270180
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IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum06783222025
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IRS990/CompensationProcessOtherInd01
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IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/ContractorCompensationGrp/CompensationAmt1173011
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IRS990/CYOtherRevenueAmt00
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