Civic Intelligence

The Wright Credit Union

990 • Fiscal year 2025 • EIN 58-6040949

Jan 01, 2025 to Dec 31, 2025

Organization ProfileWWW.THEWRIGHTCU.ORG

View Organization Page

PO Box 238Toccoa, GA 30577

(706) 886-2908

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

92nd percentile

0.83x

Higher debt load relative to assets than 92% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

97th percentile

11.08x

Higher debt load relative to revenue than 97% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Source year 2025

Net Margin

55th percentile

8.1%

Higher net margin than 55% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

25th percentile

$77,151

Higher top officer pay than 25% of similar nonprofits.

Top officer pay equals 6.4% of source-year revenue.

2025 filings • $10M-$25M nonprofits • Source year 2025

Asset Growth

23rd percentile

-1.7%

Faster asset growth than 23% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

37th percentile

1.7%

Faster revenue growth than 37% of similar nonprofits.

2025 filings • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$16,146,856

Down $287,373 (-1.7%) from 2024

Net Assets

Up

$2,737,028

Up $97,681 (+3.7%) from 2024

Liabilities

Down

$13,409,828

Down $385,054 (-2.8%) from 2024

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin55th percentile

Revenue

Up

$1,209,732

Up $20,424 (+1.7%) from 2024

Expenses

Down

$1,112,051

Down $52,475 (-4.5%) from 2024

Net Income

Up

$97,681

Up $72,899 (+294%) from 2024

Historical Trend

Balance Sheet Trend

Asset Growth23rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$20M$15M$10M$5.0M$0Assets 2010: $12,010,459Liabilities 2010: $10,247,100Net Assets 2010: $1,763,3592010Assets 2011: $12,409,518Liabilities 2011: $10,584,552Net Assets 2011: $1,824,9662011Assets 2012: $12,522,208Liabilities 2012: $10,697,139Net Assets 2012: $1,825,0692012Assets 2013: $11,923,010Liabilities 2013: $10,067,878Net Assets 2013: $1,855,1322013Assets 2014: $11,783,146Liabilities 2014: $9,875,632Net Assets 2014: $1,907,5142014Assets 2015: $12,426,734Liabilities 2015: $10,442,630Net Assets 2015: $1,984,1042015Assets 2016: $12,451,578Liabilities 2016: $10,398,151Net Assets 2016: $2,053,4272016Assets 2017: $12,779,937Liabilities 2017: $10,716,799Net Assets 2017: $2,063,1382017Assets 2018: $12,566,270Liabilities 2018: $10,430,330Net Assets 2018: $2,135,9402018Assets 2020: $14,250,838Liabilities 2020: $11,987,482Net Assets 2020: $2,263,3562020Assets 2021: $16,048,564Liabilities 2021: $13,625,883Net Assets 2021: $2,422,6812021Assets 2022: $16,307,584Liabilities 2022: $13,688,661Net Assets 2022: $2,618,9232022Assets 2023: $16,554,376Liabilities 2023: $13,780,640Net Assets 2023: $2,773,7362023Assets 2024: $16,434,229Liabilities 2024: $13,794,882Net Assets 2024: $2,639,3472024Assets 2025: $16,146,856Liabilities 2025: $13,409,828Net Assets 2025: $2,737,0282025

Highlighted filing

2025

Assets$16,146,856
Liabilities$13,409,828
Net Assets$2,737,028
Open 2025 Filing

Operations Trend

Revenue Growth37th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0Expenses 2010: $598,3092010Expenses 2011: $496,1712011Expenses 2012: $476,5242012Revenue 2013: $457,699Expenses 2013: $427,634Net Income 2013: $30,0652013Revenue 2014: $446,847Expenses 2014: $394,466Net Income 2014: $52,3812014Revenue 2015: $458,653Expenses 2015: $383,833Net Income 2015: $74,8202015Revenue 2016: $475,639Expenses 2016: $404,194Net Income 2016: $71,4452016Revenue 2017: $445,583Expenses 2017: $435,873Net Income 2017: $9,7102017Revenue 2018: $508,772Expenses 2018: $435,970Net Income 2018: $72,8022018Revenue 2020: $573,970Expenses 2020: $494,128Net Income 2020: $79,8422020Revenue 2021: $673,315Expenses 2021: $513,990Net Income 2021: $159,3252021Revenue 2022: $852,328Expenses 2022: $654,841Net Income 2022: $197,4872022Revenue 2023: $1,100,520Expenses 2023: $745,707Net Income 2023: $354,8132023Revenue 2024: $1,189,308Expenses 2024: $1,164,526Net Income 2024: $24,7822024Revenue 2025: $1,209,732Expenses 2025: $1,112,051Net Income 2025: $97,6812025

Highlighted filing

2025

Revenue$1,209,732
Expenses$1,112,051
Net Income$97,681
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Apr 2, 2026
Return Version
2025v4.0
Gross Receipts
$1,209,732
Mission and Program Overview

Mission

Credit union - to provide for approximately 1,804 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$9,857,674$10,405,202▲ $547,528
Savings and Temporary Cash Investments$3,423,000$3,172,000▼ $251,000
Rtn Earn Endowment Incm Other Fnds$2,240,489$2,737,028▲ $496,539
Cash and Non-Interest-Bearing Accounts$2,031,815$1,438,663▼ $593,152
Land, Buildings, and Equipment, Net$843,508$829,934▼ $13,574
Cap Stk Tr Prin Current Funds$398,858--
Prepaid Expenses and Deferred Charges$82,604$99,633▲ $17,029
Investments Other Securities$6,311$6,311→ $0
Total Assets$16,434,229$16,146,856▼ $287,373
Other Assets Total$189,317$195,113▲ $5,796
Liabilities
Other Liabilities$13,724,228$13,538,105▼ $186,123
Accounts Payable and Accrued Expenses$70,654$-128,277▼ $198,931
Total Liabilities$13,794,882$13,409,828▼ $385,054
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,639,347$2,737,028▲ $97,681
Total Liabilities and Net Assets / Fund Balance$16,434,229$16,146,856▼ $287,373

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$665,148$206,026$871,174
Equipment$109,786$187,255$297,041
Land$55,000-$55,000
Compensation and Service Providers
Top Officer Pay25th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Alaina LacountManager/treaFT$71,510$5,641$77,151

Board Members and Trustees

NameTitle
Mark RichardsonBoard Presid
Lindy GraftonBoard Secret
Josh AddisonDirector
Larry WieseDirector
Lexie WoodyDirector
Hayden KelleyAssociate Di
Kelcie GilmanAssociate Di
Tyler TaylorBod VP/audit
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$978,382
Investment Income
$172,327
Other Revenue
$59,023
Change in Net Assets
$97,681
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$674,981
Salaries, Compensation, and Employee Benefits$437,070
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$285,733-$285,733
Office Expenses-$175,296-$175,296
Interest-$114,171-$114,171
Payroll Taxes-$108,001-$108,001
Occupancy-$53,631-$53,631
Other Expenses-$31,571-$31,571
All Other Expenses-$26,302-$26,302
Pension Plan Contributions-$23,683-$23,683
Other Employee Benefits-$19,653-$19,653
Travel-$9,590-$9,590
Total Functional Expenses$0$1,112,051$0$1,112,051
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$7,990,739
All Other Shares$3,338,538
Share Drafts$2,208,828
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
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 board of directors. The memebrs 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 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
The Wright Credit Union
EIN
58-6040949
Phone
7068862908
Address
PO BOX 238, TOCCOA, GA 30577

Signing Officer

Name
Alaina Lacount
Title
Manager/treasurer
Phone
7068862908
Signed
2026-04-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Alaina Lacount
Formed
1963
Legal Domicile
Ga
Voting Board Members
5
Independent Board Members
5
Employees
10
Volunteers
6

Preparer

Firm
Credit Union Audit Group
Address
1709 HERMITAGE BLVD SUITE 200, TALLAHASSEE, FL 32308
Preparer
Marcus King
Phone
2054372176
Supplemental Narrative

Additional Explanations

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

“No unrelated business income”

Form 990, Part XI, Line 9

“OTHER ADJ 0”

Raw XML Appendix361 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/SavingsAndTempCashInvstGrp/EOYAmt03172000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0665148
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0206026
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0871174
IRS990ScheduleD/EquipmentGrp/BookValueAmt0109786
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0187255
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0297041
IRS990ScheduleD/LandGrp/BookValueAmt055000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt055000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07990739
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13338538
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22208828
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0829934
IRS990ScheduleD/TotalLiabilityAmt013538105
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO UNRELATED BUSINESS INCOME
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMEBRS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7OTHER ADJ 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt016434229
IRS990/TotalAssetsEOYAmt016146856
IRS990/TotalAssetsGrp/BOYAmt016434229
IRS990/TotalAssetsGrp/EOYAmt016146856
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01112051
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01112051
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt013794882
IRS990/TotalLiabilitiesEOYAmt013409828
IRS990/TotalLiabilitiesGrp/BOYAmt013794882
IRS990/TotalLiabilitiesGrp/EOYAmt013409828
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02639347
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02737028
IRS990/TotalOtherCompensationAmt05641
IRS990/TotalProgramServiceExpensesAmt01112051
IRS990/TotalProgramServiceRevenueAmt0978382
IRS990/TotalReportableCompFromOrgAmt071510
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01209732
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01209732
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt016434229
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016146856
IRS990/TravelGrp/ManagementAndGeneralAmt09590
IRS990/TravelGrp/TotalAmt09590
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 238
IRS990/USAddress/CityNm0TOCCOA
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd030577
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.THEWRIGHTCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ALAINA LACOUNT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07068862908
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-04-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0THE WRIGHT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WRIG
ReturnHeader/Filer/EIN0586040949
ReturnHeader/Filer/PhoneNum07068862908
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 238
ReturnHeader/Filer/USAddress/CityNm0TOCCOA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd030577
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CREDIT UNION AUDIT GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01709 HERMITAGE BLVD SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd032308
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02026-04-02
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MARCUS KING
ReturnHeader/ReturnTs02026-04-02T11:18:12-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,146,856
Liabilities
$13,409,828
Net assets
$2,737,028
Revenue
$1,209,732
Expenses
$1,112,051
Net income
$97,681
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$16.1$13.4$2.74$1.21$1.11$0.10
2024Detailed filing. Detailed filing data is available for this year.$16.4$13.8$2.64$1.19$1.16$0.02
2023Detailed filing. Detailed filing data is available for this year.$16.6$13.8$2.77$1.10$0.75$0.35
2022Detailed filing. Detailed filing data is available for this year.$16.3$13.7$2.62$0.85$0.65$0.20
2021Detailed filing. Detailed filing data is available for this year.$16.0$13.6$2.42$0.67$0.51$0.16
2020Detailed filing. Detailed filing data is available for this year.$14.3$12.0$2.26$0.57$0.49$0.08
2018Summary only. Only limited summary data is available for this year.$12.6$10.4$2.14$0.51$0.44$0.07
2017Summary only. Only limited summary data is available for this year.$12.8$10.7$2.06$0.45$0.44$0.01
2016Summary only. Only limited summary data is available for this year.$12.5$10.4$2.05$0.48$0.40$0.07
2015Detailed filing. Detailed filing data is available for this year.$12.4$10.4$1.98$0.46$0.38$0.07
2014Detailed filing. Detailed filing data is available for this year.$11.8$9.88$1.91$0.45$0.39$0.05
2013Detailed filing. Detailed filing data is available for this year.$11.9$10.1$1.86$0.46$0.43$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.5$10.7$1.83$0.48
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$10.6$1.82$0.50
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.0$10.2$1.76$0.60