Civic Intelligence

Southern Pine Credit Union

EIN 58-6035178 • 501(c)14 • Lake Park, GA

View Organization Page

Profile

Credit union - to provide services to approximately 1,388 members in the form of loans, savings, and other financial services.

PO Box 1029Lake Park, GA 31636

www.southernpinecu.org

Siviq Scores

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

Liabilities / Assets

12th percentile

0.79x

Higher debt load relative to assets than 12% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

11th percentile

7.01x

Higher debt load relative to revenue than 11% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Net Margin

99th percentile

61%

Higher net margin than 99% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

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

501(c)14 • $25M-$50M nonprofits • Source year 2025

Asset Growth

17th percentile

-4.3%

Faster asset growth than 17% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

100th percentile

102%

Faster revenue growth than 100% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets12th percentile

Assets

Down

$31,232,122

Down $2,684,391 (-7.9%) from 2023

Liabilities

Down

$26,862,271

Down $3,102,917 (-10%) from 2023

Net Assets

Up

$4,369,851

Up $418,526 (+11%) from 2023

Operations
Liabilities / Revenue11th percentileNet Margin99th percentile

Revenue

Up

$1,664,139

Up $9,843 (+0.6%) from 2023

Expenses

Down

$1,245,614

Down $9,969 (-0.8%) from 2023

Net Income

Up

$418,525

Up $19,812 (+5.0%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth17th percentile

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

$60M$40M$20M$0Assets 2010: $39,324,765Liabilities 2010: $32,650,762Net Assets 2010: $6,674,0032010Assets 2011: $40,552,882Liabilities 2011: $33,624,946Net Assets 2011: $6,927,9362011Assets 2012: $41,628,234Liabilities 2012: $34,493,650Net Assets 2012: $7,134,5842012Assets 2013: $41,420,215Liabilities 2013: $34,061,615Net Assets 2013: $7,358,6002013Assets 2014: $42,989,087Liabilities 2014: $35,520,710Net Assets 2014: $7,468,3772014Assets 2015: $44,104,703Liabilities 2015: $36,441,722Net Assets 2015: $7,662,9812015Assets 2018: $44,785,099Liabilities 2018: $36,390,177Net Assets 2018: $8,394,9222018Assets 2021: $42,004,831Liabilities 2021: $38,791,897Net Assets 2021: $3,212,9342021Assets 2022: $39,769,782Liabilities 2022: $36,217,169Net Assets 2022: $3,552,6132022Assets 2023: $33,916,513Liabilities 2023: $29,965,188Net Assets 2023: $3,951,3252023Assets 2024: $31,232,122Liabilities 2024: $26,862,271Net Assets 2024: $4,369,8512024

Highlighted filing

2024

Assets$31,232,122
Liabilities$26,862,271
Net Assets$4,369,851
Open 2024 Filing

Operations Trend

Revenue Growth100th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,673,9152010Revenue 2011: $1,677,751Expenses 2011: $1,423,819Net Income 2011: $253,9322011Expenses 2012: $1,328,7552012Revenue 2013: $1,484,486Expenses 2013: $1,260,469Net Income 2013: $224,0172013Revenue 2014: $1,444,415Expenses 2014: $1,334,638Net Income 2014: $109,7772014Revenue 2015: $1,499,951Expenses 2015: $1,305,347Net Income 2015: $194,6042015Revenue 2018: $1,687,252Expenses 2018: $1,462,771Net Income 2018: $224,4812018Revenue 2021: $1,427,859Expenses 2021: $1,008,246Net Income 2021: $419,6132021Revenue 2022: $1,359,998Expenses 2022: $1,020,319Net Income 2022: $339,6792022Revenue 2023: $1,654,296Expenses 2023: $1,255,583Net Income 2023: $398,7132023Revenue 2024: $1,664,139Expenses 2024: $1,245,614Net Income 2024: $418,5252024

Highlighted filing

2024

Revenue$1,664,139
Expenses$1,245,614
Net Income$418,525
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$31,232,122
Liabilities
$26,862,271
Net assets
$4,369,851
Revenue
$1,664,139
Expenses
$1,245,614
Net income
$418,525
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$31.2$26.9$4.37$1.66$1.25$0.42
2023Detailed filing. Detailed filing data is available for this year.$33.9$30.0$3.95$1.65$1.26$0.40
2022Detailed filing. Detailed filing data is available for this year.$39.8$36.2$3.55$1.36$1.02$0.34
2021Detailed filing. Detailed filing data is available for this year.$42.0$38.8$3.21$1.43$1.01$0.42
2018Detailed filing. Detailed filing data is available for this year.$44.8$36.4$8.39$1.69$1.46$0.22
2015Detailed filing. Detailed filing data is available for this year.$44.1$36.4$7.66$1.50$1.31$0.19
2014Detailed filing. Detailed filing data is available for this year.$43.0$35.5$7.47$1.44$1.33$0.11
2013Detailed filing. Detailed filing data is available for this year.$41.4$34.1$7.36$1.48$1.26$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$41.6$34.5$7.13$1.33
2011Summary only. Only limited summary data is available for this year.$40.6$33.6$6.93$1.68$1.42$0.25
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$39.3$32.7$6.67$1.67
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.0
Gross Receipts
$1,664,139
Mission and Program Overview

Mission

Credit union - to provide services to approximately 1,232 members in the form of loans, savings, and other financial services.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$20,383,208$18,382,968▼ $2,000,240
Savings and Temporary Cash Investments$7,500,000$7,500,000→ $0
Cash and Non-Interest-Bearing Accounts$5,391,696$4,794,712▼ $596,984
Rtn Earn Endowment Incm Other Fnds$3,951,325$4,369,851▲ $418,526
Investments in Publicly Traded Securities$86,199$86,199→ $0
Prepaid Expenses and Deferred Charges$58,632$57,900▼ $732
Land, Buildings, and Equipment, Net$70,825$52,840▼ $17,985
Total Assets$33,916,513$31,232,122▼ $2,684,391
Other Assets Total$425,953$357,503▼ $68,450
Liabilities
Other Liabilities$29,847,125$26,629,665▼ $3,217,460
Accounts Payable and Accrued Expenses$118,063$232,606▲ $114,543
Total Liabilities$29,965,188$26,862,271▼ $3,102,917
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,951,325$4,369,851▲ $418,526
Total Liabilities and Net Assets / Fund Balance$33,916,513$31,232,122▼ $2,684,391
Compensation and Service Providers
Top Officer Pay11th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patricia SharpePres & CEOFT$109,761$12,458$122,219

Board Members and Trustees

NameTitle
Rusty YoungbloodBoard Chair
CALE O'NEALBoard Mem
Jimmy BridgesBoard Mem/ac
Tylla WilliamsBoard Mem/ac
Scott ArtleyBoard Sec
Cameron EngskowBoard Vice C
Ed MartinBod Mem/ac C
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$968,804
Investment Income
$494,178
Other Revenue
$201,157
Change in Net Assets
$418,525
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$718,888
Salaries, Compensation, and Employee Benefits$526,726
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$388,957-$388,957
Interest-$209,396-$209,396
Office Expenses-$191,312-$191,312
Other Employee Benefits-$77,991-$77,991
Payroll Taxes-$31,078-$31,078
Pension Plan Contributions-$28,700-$28,700
Occupancy-$9,905-$9,905
Other Expenses-$8,981-$8,981
All Other Expenses-$8,749-$8,749
Travel-$4,274-$4,274
Total Functional Expenses$0$1,245,614$0$1,245,614
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
Regular Shares$17,737,225
All Other Shares$6,635,232
Share Drafts$2,257,208
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
No
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, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the baord of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

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

“The form 990 is reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

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

“The board of directors monitor and enforce the conflict of interest policy.”

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

“The board of directors use a comparision of small credit union compensation.”

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

“Only comparability data was used in determining compensation for the president/ceo.”

Form 990, Page 6, Part VI, Line 19

“Financials are posted in the lobby each month.”

Filing and Contact Details

Filer

Filer Name
Southern Pine Credit Union
EIN
58-6035178
Phone
2295593311
Address
PO BOX 1029, LAKE PARK, GA 31636

Signing Officer

Name
Patricia Sharpe
Title
Pres & CEO
Phone
2295593311
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Patricia Sharpe
Formed
1991
Legal Domicile
Ga
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
7

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“Due to rounding 1 due to rounding 0 total 1”

Raw XML Appendix355 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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IRS990/PYOtherExpensesAmt0703000
IRS990/PYOtherRevenueAmt098640
IRS990/PYProgramServiceRevenueAmt0987306
IRS990/PYRevenuesLessExpensesAmt0398713
IRS990/PYSalariesCompEmpBnftPaidAmt0552583
IRS990/PYTotalExpensesAmt01255583
IRS990/PYTotalRevenueAmt01654296
IRS990/ReconcilationRevenueExpnssAmt0418525
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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03951325
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04369851
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07500000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07500000
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt16635232
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22257208
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/TotalLiabilityAmt026629665
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAD NO UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BAORD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS USE A COMPARISION OF SMALL CREDIT UNION COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ONLY COMPARABILITY DATA WAS USED IN DETERMINING COMPENSATION FOR THE PRESIDENT/CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FINANCIALS ARE POSTED IN THE LOBBY EACH MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10DUE TO ROUNDING 1 DUE TO ROUNDING 0 TOTAL 1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10FORM 990, PART XI, LINE 9
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt031232122
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01245614
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01245614
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt029965188
IRS990/TotalLiabilitiesEOYAmt026862271
IRS990/TotalLiabilitiesGrp/BOYAmt029965188
IRS990/TotalLiabilitiesGrp/EOYAmt026862271
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03951325
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04369851
IRS990/TotalOtherCompensationAmt012458
IRS990/TotalProgramServiceExpensesAmt01245614
IRS990/TotalProgramServiceRevenueAmt0968804
IRS990/TotalReportableCompFromOrgAmt0109761
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01664139
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01664139
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt033916513
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt031232122
IRS990/TravelGrp/ManagementAndGeneralAmt04274
IRS990/TravelGrp/TotalAmt04274
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 1029
IRS990/USAddress/CityNm0LAKE PARK
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd031636
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.SOUTHERNPINECU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0PATRICIA SHARPE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRES & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02295593311
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SOUTHERN PINE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SOUT
ReturnHeader/Filer/EIN0586035178
ReturnHeader/Filer/PhoneNum02295593311
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1029
ReturnHeader/Filer/USAddress/CityNm0LAKE PARK
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031636
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-05-15T11:09:54-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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