Civic Intelligence

Rig Employees Credit Union

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.

100 Graphic Packaging Int WayMacon, GA 31206

n/A

Siviq Scores

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

Liabilities / Assets

9th percentile

0.61x

Higher debt load relative to assets than 9% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

31st percentile

13.68x

Higher debt load relative to revenue than 31% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

94th percentile

24%

Higher net margin than 94% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

15th percentile

-11%

Faster asset growth than 15% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2024

Revenue Growth

71st percentile

19%

Faster revenue growth than 71% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2022 to 2024

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

Trend Graphs

Balance Sheet Trend

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

$10M$5.0M$0Assets 2010: $7,011,788Liabilities 2010: $4,868,833Net Assets 2010: $2,142,9552010Assets 2011: $7,024,987Liabilities 2011: $4,875,403Net Assets 2011: $2,149,5842011Assets 2012: $7,052,570Liabilities 2012: $4,897,551Net Assets 2012: $2,155,0192012Assets 2013: $7,336,672Liabilities 2013: $5,155,152Net Assets 2013: $2,181,5202013Assets 2014: $7,446,760Liabilities 2014: $5,243,441Net Assets 2014: $2,203,3192014Assets 2015: $7,735,592Liabilities 2015: $5,512,031Net Assets 2015: $2,223,5612015Assets 2016: $7,473,627Liabilities 2016: $5,233,627Net Assets 2016: $2,240,0002016Assets 2017: $7,685,559Liabilities 2017: $5,437,721Net Assets 2017: $2,247,8382017Assets 2018: $7,638,816Liabilities 2018: $5,364,951Net Assets 2018: $2,273,8652018Assets 2019: $7,513,485Liabilities 2019: $5,213,054Net Assets 2019: $2,300,4312019Assets 2020: $8,127,230Liabilities 2020: $5,807,731Net Assets 2020: $2,319,4992020Assets 2022: $7,710,751Liabilities 2022: $5,402,648Net Assets 2022: $2,308,1032022Assets 2023: $6,815,022Liabilities 2023: $4,481,147Net Assets 2023: $2,333,8752023Assets 2024: $6,133,824Liabilities 2024: $3,734,983Net Assets 2024: $2,398,8412024

Highlighted filing

2024

Assets$6,133,824
Liabilities$3,734,983
Net Assets$2,398,841

Operations Trend

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

$300K$200K$100K$0-$100KExpenses 2010: $233,5192010Expenses 2011: $214,0682011Expenses 2012: $194,5342012Revenue 2013: $202,559Expenses 2013: $176,058Net Income 2013: $26,5012013Revenue 2014: $205,108Expenses 2014: $183,309Net Income 2014: $21,7992014Revenue 2015: $204,702Expenses 2015: $184,460Net Income 2015: $20,2422015Revenue 2016: $207,503Expenses 2016: $191,064Net Income 2016: $16,4392016Revenue 2017: $195,906Expenses 2017: $188,068Net Income 2017: $7,8382017Revenue 2018: $215,074Expenses 2018: $197,115Net Income 2018: $17,9592018Revenue 2019: $229,617Expenses 2019: $203,051Net Income 2019: $26,5662019Revenue 2020: $221,932Expenses 2020: $202,864Net Income 2020: $19,0682020Revenue 2022: $192,794Expenses 2022: $201,547Net Income 2022: -$8,7532022Revenue 2023: $214,701Expenses 2023: $188,929Net Income 2023: $25,7722023Revenue 2024: $273,082Expenses 2024: $208,116Net Income 2024: $64,9662024

Highlighted filing

2024

Revenue$273,082
Expenses$208,116
Net Income$64,966

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6.13$3.73$2.40$0.27$0.21$0.06
2023Detailed filing. Detailed filing data is available for this year.$6.82$4.48$2.33$0.21$0.19$0.03
2022Detailed filing. Detailed filing data is available for this year.$7.71$5.40$2.31$0.19$0.20$0.01
2020Detailed filing. Detailed filing data is available for this year.$8.13$5.81$2.32$0.22$0.20$0.02
2019Detailed filing. Detailed filing data is available for this year.$7.51$5.21$2.30$0.23$0.20$0.03
2018Summary only. Only limited summary data is available for this year.$7.64$5.36$2.27$0.22$0.20$0.02
2017Summary only. Only limited summary data is available for this year.$7.69$5.44$2.25$0.20$0.19$0.01
2016Detailed filing. Detailed filing data is available for this year.$7.47$5.23$2.24$0.21$0.19$0.02
2015Detailed filing. Detailed filing data is available for this year.$7.74$5.51$2.22$0.20$0.18$0.02
2014Detailed filing. Detailed filing data is available for this year.$7.45$5.24$2.20$0.21$0.18$0.02
2013Detailed filing. Detailed filing data is available for this year.$7.34$5.16$2.18$0.20$0.18$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.05$4.90$2.16$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.02$4.88$2.15$0.21
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.01$4.87$2.14$0.23
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 20, 2025
Return Version
2024v5.1
Gross Receipts
$273,082
Mission and Program Overview

Mission

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.

Balance Sheet Detail
LineBeginningEndChange
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 Categories

AssetBook ValueDepreciationBasis
Equipment$7,837$131,687-
Other Assets Org$69,332--
Other Securities$3,228,858--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Tracy SimmonsPresident/managerFT$55,000$55,000

Board Members and Trustees

NameTitle
Raymon TimleyCredit Committee Chairman
Lucas DunawayBoard of Directors/committee Member
Carl ReedBoard of Directors/credit Committee Member
Allen PeelerDirector
James Morris JrDirector
Tony HudsonDirector
Rolly N BrownDirector/credit Committe Member
John FrazierDirector/member Credit Committee
William PartianMember Board of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$150,523
Investment Income
$104,728
Other Revenue
$17,831
Change in Net Assets
$64,966

Audited Revenue Reconciliation

Revenue per Audited Statements
$273,082
Total Revenue per Audited Statements
$273,082
Total Revenue per Form 990
$273,082
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
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

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
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

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$208,116
Total Expenses per Audited Statements$208,116
Total Expenses per Form 990$208,116
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
Members Shares and Deposits$3,725,826
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Rig Employees Credit Union
EIN
58-6035176
Phone
4787843627
Address
100 GRAPHIC PACKAGING INT WAY, MACON, GA 31206

Signing Officer

Name
Melinda Spencer
Title
President
Phone
4787843627
Signed
2025-05-20

Organization Details

Principal Officer
Melinda Spencer
Formed
1949
Legal Domicile
Ga
Voting Board Members
10
Independent Board Members
10
Employees
2
Volunteers
10

Preparer

Firm
Jax Tax Pro
Address
5011 GATE PARKWAY BUILDING 100 SUIT, JACKSONVILLE, FL 32256
Preparer
Stephen J Smith
Phone
9046166077
Supplemental Narrative

Additional Explanations

Pt VI, Line 6

Yes, the organization has stock holders.

Pt VI, Line 7A

Election of members and theirs rights members of the cooperative elect the governing body (board of directors)

Pt VI, Line 7B

Decisions subject to approval of members and members elect all officials.

Pt VI, Line 11B

The manager and the audit committee chairman review these for accuracy.

Pt VI, Line 15A

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.

Pt VI, Line 15B

See explanation for pt vi, line 15a.

Raw XML Appendix392 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/AccountantCompileOrReviewInd0true
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt012280
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt09157
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0STATE OF GEORGIA REGULATED MEMBER OWNED FINANCIAL INSTITUTION, PROVIDING FINANCIAL ASSISTANCE THROUGH DEPOSIT ACCOUNTS AND LOANS TO ITS MEMBERS.
IRS990/AuditCommitteeInd0true
IRS990/BooksInCareOfDetail/PersonNm0MELINDA SPENCER
IRS990/BooksInCareOfDetail/PhoneNum04787843627
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0100 GRAPHIC PACKAGING INTERNATIONAL
IRS990/BooksInCareOfDetail/USAddress/CityNm0MACON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd031206
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt055000
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt055000
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0104728
IRS990/CYOtherExpensesAmt086585
IRS990/CYOtherRevenueAmt017831
IRS990/CYProgramServiceRevenueAmt0150523
IRS990/CYRevenuesLessExpensesAmt064966
IRS990/CYSalariesCompEmpBnftPaidAmt0121531
IRS990/CYTotalExpensesAmt0208116
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0273082
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0754
IRS990/DepreciationDepletionGrp/TotalAmt0754
IRS990/Desc0TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO MEMBERS OF AN OWNED COOPERATIVE.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt020669
IRS990/FeesForServicesAccountingGrp/TotalAmt020669
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/InstitutionalTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0ROLLY N BROWN
IRS990/Form990PartVIISectionAGrp/PersonNm1TRACY SIMMONS
IRS990/Form990PartVIISectionAGrp/PersonNm2RAYMON TIMLEY
IRS990/Form990PartVIISectionAGrp/PersonNm3ALLEN PEELER
IRS990/Form990PartVIISectionAGrp/PersonNm4JOHN FRAZIER
IRS990/Form990PartVIISectionAGrp/PersonNm5TONY HUDSON
IRS990/Form990PartVIISectionAGrp/PersonNm6JAMES MORRIS JR
IRS990/Form990PartVIISectionAGrp/PersonNm7LUCAS DUNAWAY
IRS990/Form990PartVIISectionAGrp/PersonNm8CARL REED
IRS990/Form990PartVIISectionAGrp/PersonNm9WILLIAM PARTIAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt155000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR/CREDIT COMMITTE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT/MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt2CREDIT COMMITTEE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR/MEMBER CREDIT COMMITTEE
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD OF DIRECTORS/COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARD OF DIRECTORS/CREDIT COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9MEMBER BOARD OF DIRECTORS
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01949
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0273082
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt010
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt05836
IRS990/InsuranceGrp/TotalAmt05836
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt02349
IRS990/InterestGrp/TotalAmt02349
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0104728
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03535721
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt03228858
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0131687
IRS990/LandBldgEquipBasisNetGrp/BOYAmt012454
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07837
IRS990/LandBldgEquipCostOrOtherBssAmt0139524
IRS990/LegalDomicileStateCd0GA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0STATE OF GEORGIA REGULATED MEMBER OWNED FINANCIAL INSTITUTION, PROVIDING FINANCIAL ASSISTANCE THROUGH DEPOSIT ACCOUNTS AND LOANS TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02333875
IRS990/NetAssetsOrFundBalancesEOYAmt02398841
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt022721
IRS990/OccupancyGrp/TotalAmt022721
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt019405
IRS990/OfficeExpensesGrp/TotalAmt019405
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt016330
IRS990/OtherAssetsTotalGrp/EOYAmt069332
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt035879
IRS990/OtherEmployeeBenefitsGrp/TotalAmt035879
IRS990/OtherExpensesGrp/Desc0FEDERAL OPERATING FEE
IRS990/OtherExpensesGrp/Desc1LOAN SERVICE FEES
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS OPERATING FEES
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt04140
IRS990/OtherExpensesGrp/ProgramServicesAmt14893
IRS990/OtherExpensesGrp/ProgramServicesAmt2500
IRS990/OtherExpensesGrp/TotalAmt04140
IRS990/OtherExpensesGrp/TotalAmt14893
IRS990/OtherExpensesGrp/TotalAmt2500
IRS990/OtherLiabilitiesGrp/BOYAmt04468867
IRS990/OtherLiabilitiesGrp/EOYAmt03725826
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/BusinessCd1522130
IRS990/OtherRevenueMiscGrp/Desc0FEES AND CHARGES FOR SERVICES
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS REVENUE
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt06361
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt111470
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt06361
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt111470
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueTotalAmt017831
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt030652
IRS990/OtherSalariesAndWagesGrp/TotalAmt030652
IRS990/OtherWebsiteInd0X
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03106158
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02525939
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt05318
IRS990/PaymentsToAffiliatesGrp/TotalAmt05318
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt015355
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt022705
IRS990/PrincipalOfficerNm0MELINDA SPENCER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0150523
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt054150
IRS990/PYOtherExpensesAmt077523
IRS990/PYOtherRevenueAmt015017
IRS990/PYProgramServiceRevenueAmt0145534
IRS990/PYRevenuesLessExpensesAmt025772
IRS990/PYSalariesCompEmpBnftPaidAmt0111406
IRS990/PYTotalExpensesAmt0188929
IRS990/PYTotalRevenueAmt0214701
IRS990/ReconcilationRevenueExpnssAmt064966
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02333875
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02398841
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0129004
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0279153
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt07837
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0131687
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0139524
IRS990ScheduleD/ExpensesSubtotalAmt0208116
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt069332
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0OTHER ASSETS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03725826
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt03228858
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/RevenueSubtotalAmt0273082
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07837
IRS990ScheduleD/TotalBookValueOtherAssetsAmt069332
IRS990ScheduleD/TotalBookValueSecuritiesAmt03228858
IRS990ScheduleD/TotalExpensesPerForm990Amt0208116
IRS990ScheduleD/TotalLiabilityAmt03725826
IRS990ScheduleD/TotalRevenuePerForm990Amt0273082
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0273082
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0208116
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0YES, THE ORGANIZATION HAS STOCK HOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ELECTION OF MEMBERS AND THEIRS RIGHTS MEMBERS OF THE COOPERATIVE ELECT THE GOVERNING BODY (BOARD OF DIRECTORS)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS SUBJECT TO APPROVAL OF MEMBERS AND MEMBERS ELECT ALL OFFICIALS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE MANAGER AND THE AUDIT COMMITTEE CHAIRMAN REVIEW THESE FOR ACCURACY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE 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/ExplanationTxt5SEE EXPLANATION FOR PT VI, LINE 15A.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt VI, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt VI, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 15b
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt06815022
IRS990/TotalAssetsEOYAmt06133824
IRS990/TotalAssetsGrp/BOYAmt06815022
IRS990/TotalAssetsGrp/EOYAmt06133824
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0208116
IRS990/TotalFunctionalExpensesGrp/TotalAmt0208116
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04481147
IRS990/TotalLiabilitiesEOYAmt03734983
IRS990/TotalLiabilitiesGrp/BOYAmt04481147
IRS990/TotalLiabilitiesGrp/EOYAmt03734983
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02333875
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02398841
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0150523
IRS990/TotalReportableCompFromOrgAmt055000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0273082
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0273082
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt06815022
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt06133824
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0100 GRAPHIC PACKAGING INT WAY
IRS990/USAddress/CityNm0MACON
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd031206
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MELINDA SPENCER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04787843627
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RIG EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIGE
ReturnHeader/Filer/EIN0586035176
ReturnHeader/Filer/PhoneNum04787843627
ReturnHeader/Filer/USAddress/AddressLine1Txt0100 GRAPHIC PACKAGING INT WAY
ReturnHeader/Filer/USAddress/CityNm0MACON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031206
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0204935692
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JAX TAX PRO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05011 GATE PARKWAY BUILDING 100 SUIT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0JACKSONVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032256
ReturnHeader/PreparerPersonGrp/PhoneNum09046166077
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-20
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEPHEN J SMITH
ReturnHeader/ReturnTs02025-05-20T11:22:19-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.