Liabilities / Assets
9th percentile
Higher debt load relative to assets than 9% of similar nonprofits.
EIN 58-6035176 • 501(c)14 • Macon, GA
Profile
State of georgia regulated member owned financial institution, providing financial assistance through deposit accounts and loans to it's members.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
9th percentile
Higher debt load relative to assets than 9% of similar nonprofits.
Liabilities / Revenue
31st percentile
Higher debt load relative to revenue than 31% of similar nonprofits.
Net Margin
94th percentile
Higher net margin than 94% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
15th percentile
Faster asset growth than 15% of similar nonprofits.
Revenue Growth
71st percentile
Faster revenue growth than 71% of similar nonprofits.
Assets
Down$6,133,824
Down $681,198 (-10.0%) from 2023
Liabilities
Down$3,734,983
Down $746,164 (-17%) from 2023
Net Assets
Up$2,398,841
Up $64,966 (+2.8%) from 2023
Revenue
Up$273,082
Up $58,381 (+27%) from 2023
Expenses
Up$208,116
Up $19,187 (+10%) from 2023
Net Income
Up$64,966
Up $39,194 (+152%) from 2023
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
To provide thrift savings and borrowings to members of an owned cooperative
State of georgia regulated member owned financial institution, providing financial assistance through deposit accounts and loans to its members.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Investments Other Securities | $3,535,721 | $3,228,858 | ▼ $306,863 |
| Other Notes and Loans Receivable, Net | $3,106,158 | $2,525,939 | ▼ $580,219 |
| Rtn Earn Endowment Incm Other Fnds | $2,333,875 | $2,398,841 | ▲ $64,966 |
| Savings and Temporary Cash Investments | $129,004 | $279,153 | ▲ $150,149 |
| Prepaid Expenses and Deferred Charges | $15,355 | $22,705 | ▲ $7,350 |
| Land, Buildings, and Equipment, Net | $12,454 | $7,837 | ▼ $4,617 |
| Total Assets | $6,815,022 | $6,133,824 | ▼ $681,198 |
| Other Assets Total | $16,330 | $69,332 | ▲ $53,002 |
| Liabilities | |||
| Other Liabilities | $4,468,867 | $3,725,826 | ▼ $743,041 |
| Accounts Payable and Accrued Expenses | $12,280 | $9,157 | ▼ $3,123 |
| Total Liabilities | $4,481,147 | $3,734,983 | ▼ $746,164 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,333,875 | $2,398,841 | ▲ $64,966 |
| Total Liabilities and Net Assets / Fund Balance | $6,815,022 | $6,133,824 | ▼ $681,198 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $7,837 | $131,687 | - |
| Other Assets Org | $69,332 | - | - |
| Other Securities | $3,228,858 | - | - |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Tracy Simmons | President/manager | FT | $55,000 | $55,000 |
| Name | Title |
|---|---|
| Raymon Timley | Credit Committee Chairman |
| Lucas Dunaway | Board of Directors/committee Member |
| Carl Reed | Board of Directors/credit Committee Member |
| Allen Peeler | Director |
| James Morris Jr | Director |
| Tony Hudson | Director |
| Rolly N Brown | Director/credit Committe Member |
| John Frazier | Director/member Credit Committee |
| William Partian | Member Board of Directors |
| Line Item | Amount |
|---|---|
| Salaries, Compensation, and Employee Benefits | $121,531 |
| Other Expenses | $86,585 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Current Officers, Directors, Trustees, and Key Employees | $55,000 | $0 | $0 | $55,000 |
| Other Employee Benefits | $35,879 | $0 | $0 | $35,879 |
| Other Salaries and Wages | $30,652 | $0 | $0 | $30,652 |
| Occupancy | $22,721 | $0 | $0 | $22,721 |
| Fees for Services Accounting | $20,669 | $0 | $0 | $20,669 |
| Office Expenses | $19,405 | $0 | $0 | $19,405 |
| Insurance | $5,836 | $0 | $0 | $5,836 |
| Payments to Affiliates | $5,318 | $0 | $0 | $5,318 |
| Interest | $2,349 | $0 | $0 | $2,349 |
| Depreciation Depletion | $754 | $0 | $0 | $754 |
| Other Expenses | $500 | $0 | $0 | $500 |
| Total Functional Expenses | $208,116 | $0 | $0 | $208,116 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $208,116 |
| Total Expenses per Audited Statements | $208,116 |
| Total Expenses per Form 990 | $208,116 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Members Shares and Deposits | $3,725,826 |
“Yes, the organization has stock holders.”
“Election of members and theirs rights members of the cooperative elect the governing body (board of directors)”
“Decisions subject to approval of members and members elect all officials.”
“The manager and the audit committee chairman review these for accuracy.”
“The credit union has a committee, that is comprised of its members, which charged with the responsibility of the persoel function. When looking for replacement or new employees the committee performs research and analysis. The search committee reviews applicable employment articles and surveys (some produced by trade associations and other related industries) for requirements in salaries, education, training and work history needed to perform the function of the position. Comparisions are also performed for benefits that reflect on the requirements for similar positions in the local area taking into consideration for the cost of living.”
“See explanation for pt vi, line 15a.”
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 | true |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 12280 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 9157 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | false |
| IRS990/ActivityOrMissionDesc | 0 | STATE OF GEORGIA REGULATED MEMBER OWNED FINANCIAL INSTITUTION, PROVIDING FINANCIAL ASSISTANCE THROUGH DEPOSIT ACCOUNTS AND LOANS TO ITS MEMBERS. |
| IRS990/AuditCommitteeInd | 0 | true |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | MELINDA SPENCER |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4787843627 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 100 GRAPHIC PACKAGING INTERNATIONAL |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | MACON |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | GA |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 31206 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | false |
| IRS990/BusinessRlnWithFamMemInd | 0 | false |
| IRS990/BusinessRlnWithOrgMemInd | 0 | false |
| IRS990/ChangeToOrgDocumentsInd | 0 | false |
| IRS990/CollectionsOfArtInd | 0 | false |
| IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt | 0 | 55000 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 55000 |
| IRS990/CompensationFromOtherSrcsInd | 0 | false |
| IRS990/CompensationProcessCEOInd | 0 | true |
| IRS990/CompensationProcessOtherInd | 0 | true |
| IRS990/ConflictOfInterestPolicyInd | 0 | false |
| IRS990/ConservationEasementsInd | 0 | false |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | false |
| IRS990/CreditCounselingInd | 0 | false |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 104728 |
| IRS990/CYOtherExpensesAmt | 0 | 86585 |
| IRS990/CYOtherRevenueAmt | 0 | 17831 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 150523 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 64966 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 121531 |
| IRS990/CYTotalExpensesAmt | 0 | 208116 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 273082 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | true |
| IRS990/DeductibleArtContributionInd | 0 | false |
| IRS990/DeductibleNonCashContriInd | 0 | false |
| IRS990/DelegationOfMgmtDutiesInd | 0 | false |
| IRS990/DepreciationDepletionGrp/FundraisingAmt | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/DepreciationDepletionGrp/ProgramServicesAmt | 0 | 754 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 754 |
| IRS990/Desc | 0 | TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO MEMBERS OF AN OWNED COOPERATIVE. |
| IRS990/DescribedInSection501c3Ind | 0 | false |
| IRS990/DisregardedEntityInd | 0 | false |
| IRS990/DocumentRetentionPolicyInd | 0 | true |
| IRS990/DonorAdvisedFundInd | 0 | false |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | false |
| IRS990/ElectionOfBoardMembersInd | 0 | true |
| IRS990/EmployeeCnt | 0 | 2 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | true |
| IRS990/FamilyOrBusinessRlnInd | 0 | false |
| IRS990/FederalGrantAuditRequiredInd | 0 | false |
| IRS990/FeesForServicesAccountingGrp/FundraisingAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt | 0 | 20669 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 20669 |
| IRS990/ForeignActivitiesInd | 0 | false |
| IRS990/ForeignFinancialAccountInd | 0 | false |
| IRS990/ForeignOfficeInd | 0 | false |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 1.00 |
| 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/InstitutionalTrusteeInd | 0 | 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/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | ROLLY N BROWN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | TRACY SIMMONS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | RAYMON TIMLEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ALLEN PEELER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | JOHN FRAZIER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | TONY HUDSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | JAMES MORRIS JR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | LUCAS DUNAWAY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | CARL REED |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | WILLIAM PARTIAN |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 55000 |
| 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/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/TitleTxt | 0 | DIRECTOR/CREDIT COMMITTE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | PRESIDENT/MANAGER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | CREDIT COMMITTEE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR/MEMBER CREDIT COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | BOARD OF DIRECTORS/COMMITTEE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | BOARD OF DIRECTORS/CREDIT COMMITTEE MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | MEMBER BOARD OF DIRECTORS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | true |
| IRS990/FormationYr | 0 | 1949 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | false |
| IRS990/FSAuditedInd | 0 | true |
| IRS990/FundraisingActivitiesInd | 0 | false |
| IRS990/GamingActivitiesInd | 0 | false |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 10 |
| IRS990/GrantsToIndividualsInd | 0 | false |
| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
| IRS990/GrossReceiptsAmt | 0 | 273082 |
| IRS990/GroupReturnForAffiliatesInd | 0 | false |
| IRS990/IncludeFIN48FootnoteInd | 0 | false |
| IRS990/IndependentAuditFinclStmtInd | 0 | true |
| IRS990/IndependentVotingMemberCnt | 0 | 10 |
| IRS990/IndoorTanningServicesInd | 0 | false |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/FundraisingAmt | 0 | 0 |
| IRS990/InsuranceGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InsuranceGrp/ProgramServicesAmt | 0 | 5836 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 5836 |
| IRS990/InterestGrp/FundraisingAmt | 0 | 0 |
| IRS990/InterestGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 2349 |
| IRS990/InterestGrp/TotalAmt | 0 | 2349 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 0 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 104728 |
| IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/InvestmentInJointVentureInd | 0 | false |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 3535721 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 3228858 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 131687 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 12454 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 7837 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 139524 |
| IRS990/LegalDomicileStateCd | 0 | GA |
| IRS990/LoanOutstandingInd | 0 | false |
| IRS990/LocalChaptersInd | 0 | false |
| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | true |
| IRS990/MethodOfAccountingCashInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | STATE OF GEORGIA REGULATED MEMBER OWNED FINANCIAL INSTITUTION, PROVIDING FINANCIAL ASSISTANCE THROUGH DEPOSIT ACCOUNTS AND LOANS TO ITS MEMBERS. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | false |
| IRS990/MoreThan5000KToOrgInd | 0 | false |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2333875 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2398841 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | false |
| IRS990/OccupancyGrp/FundraisingAmt | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OccupancyGrp/ProgramServicesAmt | 0 | 22721 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 22721 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 19405 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 19405 |
| IRS990/OfficerMailingAddressInd | 0 | false |
| IRS990/OperateHospitalInd | 0 | false |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 16330 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 69332 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 35879 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 35879 |
| IRS990/OtherExpensesGrp/Desc | 0 | FEDERAL OPERATING FEE |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICE FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | MISCELLANEOUS OPERATING FEES |
| IRS990/OtherExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/FundraisingAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 1 | 0 |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 2 | 0 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 4140 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 4893 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 500 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 4140 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 4893 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 500 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 4468867 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 3725826 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522130 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522130 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | FEES AND CHARGES FOR SERVICES |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | MISCELLANEOUS REVENUE |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/ExclusionAmt | 1 | 0 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6361 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 11470 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 6361 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 11470 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| IRS990/OtherRevenueTotalAmt | 0 | 17831 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 30652 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 30652 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 3106158 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 2525939 |
| IRS990/PartialLiquidationInd | 0 | false |
| IRS990/PaymentsToAffiliatesGrp/FundraisingAmt | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt | 0 | 5318 |
| IRS990/PaymentsToAffiliatesGrp/TotalAmt | 0 | 5318 |
| IRS990/PoliticalCampaignActyInd | 0 | false |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 15355 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 22705 |
| IRS990/PrincipalOfficerNm | 0 | MELINDA SPENCER |
| IRS990/ProfessionalFundraisingInd | 0 | false |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS TO MEMBERS |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 150523 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 54150 |
| IRS990/PYOtherExpensesAmt | 0 | 77523 |
| IRS990/PYOtherRevenueAmt | 0 | 15017 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 145534 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 25772 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 111406 |
| IRS990/PYTotalExpensesAmt | 0 | 188929 |
| IRS990/PYTotalRevenueAmt | 0 | 214701 |
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| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | YES, THE ORGANIZATION HAS STOCK HOLDERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | ELECTION OF MEMBERS AND THEIRS RIGHTS MEMBERS OF THE COOPERATIVE ELECT THE GOVERNING BODY (BOARD OF DIRECTORS) |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DECISIONS SUBJECT TO APPROVAL OF MEMBERS AND MEMBERS ELECT ALL OFFICIALS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE MANAGER AND THE AUDIT COMMITTEE CHAIRMAN REVIEW THESE FOR ACCURACY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CREDIT UNION HAS A COMMITTEE, THAT IS COMPRISED OF ITS MEMBERS, WHICH CHARGED WITH THE RESPONSIBILITY OF THE PERSOEL FUNCTION. WHEN LOOKING FOR REPLACEMENT OR NEW EMPLOYEES THE COMMITTEE PERFORMS RESEARCH AND ANALYSIS. THE SEARCH COMMITTEE REVIEWS APPLICABLE EMPLOYMENT ARTICLES AND SURVEYS (SOME PRODUCED BY TRADE ASSOCIATIONS AND OTHER RELATED INDUSTRIES) FOR REQUIREMENTS IN SALARIES, EDUCATION, TRAINING AND WORK HISTORY NEEDED TO PERFORM THE FUNCTION OF THE POSITION. COMPARISIONS ARE ALSO PERFORMED FOR BENEFITS THAT REFLECT ON THE REQUIREMENTS FOR SIMILAR POSITIONS IN THE LOCAL AREA TAKING INTO CONSIDERATION FOR THE COST OF LIVING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | SEE EXPLANATION FOR PT VI, LINE 15A. |
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| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Pt VI, Line 7b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Pt VI, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Pt VI, Line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Pt VI, Line 15b |
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| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
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| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 5011 GATE PARKWAY BUILDING 100 SUIT |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | JACKSONVILLE |
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| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 9046166077 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-05-20 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | STEPHEN J SMITH |
| ReturnHeader/ReturnTs | 0 | 2025-05-20T11:22:19-07:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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