Civic Intelligence

Workmen'S Circle Credit Union

EIN 58-6038163 • 501(c)14 • Savannah, GA

View Organization Page

Profile

A credit union serving 1260 members who live or work in chatham county but do not have another occupational credit union that they may join.

527 Stephenson Avenue Ste Suite 1Savannah, GA 31405

www.workmenscirclecu.com

Siviq Scores

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

Liabilities / Assets

10th percentile

0.81x

Higher debt load relative to assets than 10% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

50th percentile

15.16x

Higher debt load relative to revenue than 50% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

79th percentile

20%

Higher net margin than 79% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

22nd percentile

$178,293

Higher top officer pay than 22% of similar nonprofits.

Top officer pay equals 2.7% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

72nd percentile

5.1%

Faster asset growth than 72% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

92nd percentile

28%

Faster revenue growth than 92% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets10th percentile

Assets

Up

$119,718,974

Up $8,923,845 (+8.1%) from 2022

Liabilities

Up

$96,994,821

Up $8,060,663 (+9.1%) from 2022

Net Assets

Up

$22,724,153

Up $863,182 (+3.9%) from 2022

Operations
Liabilities / Revenue50th percentileNet Margin79th percentile

Revenue

Up

$5,224,623

Up $1,832,689 (+54%) from 2022

Expenses

Up

$4,596,182

Up $2,615,382 (+132%) from 2022

Net Income

Down

$628,441

Down $782,693 (-55%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth72nd percentile

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

$150M$100M$50M$0Assets 2010: $45,255,032Liabilities 2010: $40,339,604Net Assets 2010: $4,915,4282010Assets 2011: $48,777,652Liabilities 2011: $43,266,561Net Assets 2011: $5,511,0912011Assets 2012: $53,266,411Liabilities 2012: $46,865,518Net Assets 2012: $6,400,8932012Assets 2013: $58,022,618Liabilities 2013: $48,830,736Net Assets 2013: $9,191,8822013Assets 2014: $58,395,650Liabilities 2014: $47,712,371Net Assets 2014: $10,683,2792014Assets 2015: $61,820,821Liabilities 2015: $49,803,380Net Assets 2015: $12,017,4412015Assets 2016: $69,500,488Liabilities 2016: $56,122,945Net Assets 2016: $13,377,5432016Assets 2017: $68,805,974Liabilities 2017: $54,010,505Net Assets 2017: $14,795,4692017Assets 2018: $70,996,116Liabilities 2018: $54,660,287Net Assets 2018: $16,335,8292018Assets 2019: $74,605,619Liabilities 2019: $56,814,775Net Assets 2019: $17,790,8442019Assets 2020: $93,807,894Liabilities 2020: $74,823,874Net Assets 2020: $18,984,0202020Assets 2021: $104,394,807Liabilities 2021: $83,944,971Net Assets 2021: $20,449,8362021Assets 2022: $110,795,129Liabilities 2022: $88,934,158Net Assets 2022: $21,860,9712022Assets 2023: $119,718,974Liabilities 2023: $96,994,821Net Assets 2023: $22,724,1532023

Highlighted filing

2023

Assets$119,718,974
Liabilities$96,994,821
Net Assets$22,724,153
Open 2023 Filing

Operations Trend

Revenue Growth92nd percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,527,5002010Expenses 2011: $1,621,6152011Expenses 2012: $1,467,1522012Revenue 2013: $2,297,553Expenses 2013: -$493,436Net Income 2013: $2,790,9892013Revenue 2014: $2,255,614Expenses 2014: $764,217Net Income 2014: $1,491,3972014Revenue 2015: $2,273,562Expenses 2015: $939,400Net Income 2015: $1,334,1622015Revenue 2016: $2,425,849Expenses 2016: $1,065,747Net Income 2016: $1,360,1022016Revenue 2017: $2,678,076Expenses 2017: $1,260,150Net Income 2017: $1,417,9262017Revenue 2018: $2,972,765Expenses 2018: $1,432,405Net Income 2018: $1,540,3602018Revenue 2019: $3,117,586Expenses 2019: $1,662,571Net Income 2019: $1,455,0152019Revenue 2020: $3,086,195Expenses 2020: $1,893,019Net Income 2020: $1,193,1762020Revenue 2021: $2,967,140Expenses 2021: $1,501,324Net Income 2021: $1,465,8162021Revenue 2022: $3,391,934Expenses 2022: $1,980,800Net Income 2022: $1,411,1342022Revenue 2023: $5,224,623Expenses 2023: $4,596,182Net Income 2023: $628,4412023

Highlighted filing

2023

Revenue$5,224,623
Expenses$4,596,182
Net Income$628,441
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$119,718,974
Liabilities
$96,994,821
Net assets
$22,724,153
Revenue
$5,224,623
Expenses
$4,596,182
Net income
$628,441
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$120$97.0$22.7$5.22$4.60$0.63
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$111$88.9$21.9$3.39$1.98$1.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$104$83.9$20.4$2.97$1.50$1.47
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$93.8$74.8$19.0$3.09$1.89$1.19
2019Summary only. Only limited summary data is available for this year.$74.6$56.8$17.8$3.12$1.66$1.46
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$71.0$54.7$16.3$2.97$1.43$1.54
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.8$54.0$14.8$2.68$1.26$1.42
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$69.5$56.1$13.4$2.43$1.07$1.36
2015Detailed filing. Detailed filing data is available for this year.$61.8$49.8$12.0$2.27$0.94$1.33
2014Detailed filing. Detailed filing data is available for this year.$58.4$47.7$10.7$2.26$0.76$1.49
2013Detailed filing. Detailed filing data is available for this year.$58.0$48.8$9.19$2.30$0.49$2.79
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.3$46.9$6.40$1.47
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.8$43.3$5.51$1.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.3$40.3$4.92$1.53
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Mar 11, 2021
Return Version
2020v4.0
Gross Receipts
$3,086,195
Mission and Program Overview

Mission

A credit union serving 1,667 members who live or work in Chatham County but do not have another occupational credit union that they may join.

A credit union serving 1559 members who live or work in Chatham Co but do not have another occupational credit union that they may join

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$49,150,338$55,166,218▲ $6,015,880
Savings and Temporary Cash Investments$23,506,547$36,475,275▲ $12,968,728
Rtn Earn Endowment Incm Other Fnds$17,235,995$18,429,171▲ $1,193,176
Investments Program Related$996,459$1,028,046▲ $31,587
Pd in Cap Srpls Land Bldg Eqp Fund$554,849$554,849→ $0
Land, Buildings, and Equipment, Net$519,248$505,833▼ $13,415
Receivables From Officers Etc$14,064$112,955▲ $98,891
Total Assets$74,605,619$93,807,894▲ $19,202,275
Other Assets Total$418,963$519,567▲ $100,604
Liabilities
Other Liabilities$56,255,586$74,333,847▲ $18,078,261
Accounts Payable and Accrued Expenses$559,189$490,027▼ $69,162
Total Liabilities$56,814,775$74,823,874▲ $18,009,099
Net Assets / Fund Balance
Total Net Assets Fund Balance$17,790,844$18,984,020▲ $1,193,176
Total Liabilities and Net Assets / Fund Balance$74,605,619$93,807,894▲ $19,202,275

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$1,028,046--
Buildings$428,374$159,154-
Land$59,250--
Equipment$18,209$136,096-
Other Assets Org$519,567--
Compensation and Service Providers
Top Officer Pay22nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Chris a MiltiadesPresidentFT$146,822$146,822
Donna a SmithAssistant SecretaryFT$82,244$82,244

Board Members and Trustees

NameTitle
Harold YellinBoard Chairman
Lloyd Goodman MdCommittee Chairman
Stephen GreenbergCommittee Chairman
Frank a SlotinDirector
Gale HirshDirector
Matthew AllanDirector
Michael KarpfDirector
Michael KoodenDirector
Paul Kulbersh DmdDirector
Fred Rabhan DpmSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,682,470
Investment Income
$397,023
Other Revenue
$6,702
Change in Net Assets
$1,193,176
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,400,219
Salaries, Compensation, and Employee Benefits$492,800
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses---$900,256
Current Officers, Directors, Trustees, and Key Employees---$229,066
Other Salaries and Wages---$177,290
Office Expenses---$49,712
All Other Expenses---$41,525
Fees for Services Accounting---$39,928
Information Technology---$32,822
Payroll Taxes---$32,561
Advertising---$28,247
Other Employee Benefits---$28,096
Depreciation Depletion---$26,732
Pension Plan Contributions---$25,787
Occupancy---$15,933
Conferences and Meetings---$6,828
Insurance---$6,339
Travel---$1,897
Total Functional Expenses$0$0$0$1,893,019
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$14,064$112,955▲ $98,891
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares Deposits$74,333,847
Governance and Compliance

Governance Checklist

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

Governance Explanations

Part VI Line 1A

“None.”

Part VI Line 1A

“The Board of Directors does not delegate broad authority to the”

Part VI Line 1A

“Executive Committee. The Committee makes recommendations to the Board.”

Part VI Line 6

“1559 members with a $5 par share and equal voting rights.”

Part VI Line 7A

“1559 members with a $5 par share and equal voting rights.”

Part VI Line 8A

“Minutes are taken at each meeting.”

Part VI Line 11B

“The form 990 is completed by the Compliance Officer and is”

Part VI Line 11B

“reviewed by the Credit Union President before it is submitted.”

Part VI Line 15A or B

“The President, officer and supporting staff are subject to performance”

Part VI Line 15A or B

“reviews on an annual basis. The last review was in September 2020.”

Part VI Line 19

“Financial statements are posted on a bulletin board in the lobby of”

Part VI Line 19

“the credit union. Therefore it can be viewed when entering the premises.”

Filing and Contact Details

Filer

Filer Name
Workmen's Circle Credit Union
EIN
58-6038163
In Care Of
% Chris A Miltiades
Phone
9123569225
Address
527 Stephenson Avenue Ste Suite 1, Savannah, GA 31405

Signing Officer

Name
Chris a Miltiades
Title
President
Phone
9123569225
Signed
2021-03-11

Organization Details

Principal Officer
Chris a Miltiades
Formed
1950
Legal Domicile
Ga
Voting Board Members
11
Independent Board Members
0
Employees
8
Supplemental Narrative

Additional Explanations

Part V Line 3A

“The credit union does not engage in the sale of insurance”

Part V Line 3A

“products nor does it charge transaction fees to non-”

Part V Line 3A

“members therefore there is no unrelated business income.”

Raw XML AppendixShowing 400 of 472 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0559189
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0490027
IRS990/AccountsReceivableGrp/BOYAmt049150338
IRS990/AccountsReceivableGrp/EOYAmt055166218
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0A credit union serving 1559 members who live or work in Chatham Co but do not have another occupational credit union that they may join
IRS990/AdvertisingGrp/TotalAmt028247
IRS990/AllOtherExpensesGrp/TotalAmt041525
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BooksInCareOfDetail/PersonNm0CHRIS A MILTIADES
IRS990/BooksInCareOfDetail/PhoneNum09123569225
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0527 Stephenson Ave Ste 1
IRS990/BooksInCareOfDetail/USAddress/CityNm0Savannah
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd031405
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0229066
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt06828
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0397023
IRS990/CYOtherExpensesAmt01400219
IRS990/CYOtherRevenueAmt06702
IRS990/CYProgramServiceRevenueAmt02682470
IRS990/CYRevenuesLessExpensesAmt01193176
IRS990/CYSalariesCompEmpBnftPaidAmt0492800
IRS990/CYTotalExpensesAmt01893019
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03086195
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt026732
IRS990/Desc0A credit union serving 1559 members who live or work in Chatham County but do not have another occupational credit union that they may join.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt01893019
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt039928
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.000
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.000
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.000
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.000
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.000
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.000
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.000
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.000
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt102.000
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt112.000
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/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
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/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/PersonNm0LLOYD GOODMAN MD
IRS990/Form990PartVIISectionAGrp/PersonNm1PAUL KULBERSH DMD
IRS990/Form990PartVIISectionAGrp/PersonNm2FRED RABHAN DPM
IRS990/Form990PartVIISectionAGrp/PersonNm3HAROLD YELLIN
IRS990/Form990PartVIISectionAGrp/PersonNm4STEPHEN GREENBERG
IRS990/Form990PartVIISectionAGrp/PersonNm5GALE HIRSH
IRS990/Form990PartVIISectionAGrp/PersonNm6MICHAEL KOODEN
IRS990/Form990PartVIISectionAGrp/PersonNm7MICHAEL KARPF
IRS990/Form990PartVIISectionAGrp/PersonNm8CHRIS A MILTIADES
IRS990/Form990PartVIISectionAGrp/PersonNm9DONNA A SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm10MATTHEW ALLAN
IRS990/Form990PartVIISectionAGrp/PersonNm11FRANK A SLOTIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8146822
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt982244
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
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/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0Committee Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt4Committee Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8President
IRS990/Form990PartVIISectionAGrp/TitleTxt9Assistant Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt10Director
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0false
IRS990/FormationYr01950
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt011
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt03086195
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InformationTechnologyGrp/TotalAmt032822
IRS990/InsuranceGrp/TotalAmt06339
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0397023
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0397023
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0996459
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01028046
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0295250
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0519248
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0505833
IRS990/LandBldgEquipCostOrOtherBssAmt0801083
IRS990/LegalDomicileStateCd0GA
IRS990/LoanOutstandingInd0true
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0A credit union serving 1559 members who live or work in Chatham County but do not have another occupational credit union that they may join.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt017790844
IRS990/NetAssetsOrFundBalancesEOYAmt018984020
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt015933
IRS990/OfficeExpensesGrp/TotalAmt049712
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0418963
IRS990/OtherAssetsTotalGrp/EOYAmt0519567
IRS990/OtherEmployeeBenefitsGrp/TotalAmt028096
IRS990/OtherExpensesGrp/Desc0Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc1Dividend Expense
IRS990/OtherExpensesGrp/TotalAmt0250000
IRS990/OtherExpensesGrp/TotalAmt1900256
IRS990/OtherLiabilitiesGrp/BOYAmt056255586
IRS990/OtherLiabilitiesGrp/EOYAmt074333847
IRS990/OtherRevenueMiscGrp/BusinessCd0522291
IRS990/OtherRevenueMiscGrp/Desc0Interest-Director Loan
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt06702
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt06702
IRS990/OtherRevenueTotalAmt06702
IRS990/OtherSalariesAndWagesGrp/TotalAmt0177290
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt032561
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0554849
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0554849
IRS990/PensionPlanContributionsGrp/TotalAmt025787
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0CHRIS A MILTIADES
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522299
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Other Income
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02503729
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1178741
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02503729
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1178741
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0462889
IRS990/PYOtherExpensesAmt01182176
IRS990/PYOtherRevenueAmt0339
IRS990/PYProgramServiceRevenueAmt02654358
IRS990/PYRevenuesLessExpensesAmt01455015
IRS990/PYSalariesCompEmpBnftPaidAmt0480395
IRS990/PYTotalExpensesAmt01662571
IRS990/PYTotalRevenueAmt03117586
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt014064
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0112955
IRS990/ReconcilationRevenueExpnssAmt01193176
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt03086195
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt017235995
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt018429171
IRS990/SavingsAndTempCashInvstGrp/BOYAmt023506547
IRS990/SavingsAndTempCashInvstGrp/EOYAmt036475275
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0428374
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0159154
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0587528
IRS990ScheduleD/DisclosedForCharitablePrpsInd0false
IRS990ScheduleD/DisclosedOrgLegCtrlInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt018209
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0136096
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0154305
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt01028046
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Accruals Prepaids
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt059250
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt059250
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0519567
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NCUA Insurance
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt074333847
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares Deposits
IRS990ScheduleD/Section170hRqrStsfdInd0false
IRS990ScheduleD/SolicitedAssetsSaleInd0false
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0505833
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0519567
IRS990ScheduleD/TotalBookValueProgramRltdAmt01028046
IRS990ScheduleD/TotalLiabilityAmt074333847
IRS990ScheduleD/WrittenPolicyMonitoringInd0false
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd0false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd1false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd2false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd3false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd4false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd5false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd6false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd7false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd8false
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd9false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd0false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd1false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd2false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd3false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd4false
IRS990ScheduleL/DisqualifiedPersonExBnftTrGrp/TransactionCorrectedInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt02407
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt12191
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2108357
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1New Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Used Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5HELOC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0170000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt128000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt218087
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt350000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt4397500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt5250000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0F RABHAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1P KULBERSH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2P KULBERSH
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3S GREENBERG
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4M ALLAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5C MILTIADES
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5President
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd9false
IRS990ScheduleL/TotalBalanceDueAmt0112955
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0None.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors does not delegate broad authority to the
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Executive Committee. The Committee makes recommendations to the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt31559 members with a $5 par share and equal voting rights.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt41559 members with a $5 par share and equal voting rights.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Minutes are taken at each meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The form 990 is completed by the Compliance Officer and is
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7reviewed by the Credit Union President before it is submitted.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8The President, officer and supporting staff are subject to performance
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9reviews on an annual basis. The last review was in September 2020.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Financial statements are posted on a bulletin board in the lobby of
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11the credit union. Therefore it can be viewed when entering the premises.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12The credit union does not engage in the sale of insurance
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13products nor does it charge transaction fees to non-
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14members therefore there is no unrelated business income.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 1a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part VI Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Part VI Line 8a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Part VI Line 15a or b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Part VI Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Part VI Line 19

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)14 • $100M-$250M nonprofits