Civic Intelligence

Georgia Installment Lenders Association

EIN 58-6055853 • 501(c)6 • Macon, GA

Profile

Providing educational opportunities to members

PO Box 801Macon, GA 31202

na

Siviq Scores

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

Liabilities / Assets

60th percentile

0.01x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

56th percentile

0.00x

Higher debt load relative to revenue than 56% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

59th percentile

5.0%

Higher net margin than 59% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

53rd percentile

0.2%

Faster asset growth than 53% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

64th percentile

8.0%

Faster revenue growth than 64% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$64,625

Up $121 (+0.2%) from 2023

Liabilities

Down

$945

Down $10,601 (-92%) from 2023

Net Assets

Up

$63,680

Up $10,722 (+20%) from 2023

Operations
Liabilities / Revenue56th percentileNet Margin59th percentile

Revenue

Up

$213,898

Up $15,899 (+8.0%) from 2023

Expenses

Up

$203,177

Up $3,387 (+1.7%) from 2023

Net Income

Up

$10,721

Up $12,512 (+699%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth53rd percentile

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

$200K$150K$100K$50K$0-$50KAssets 2010: $145,114Liabilities 2010: $30,191Net Assets 2010: $114,9232010Assets 2011: $122,402Liabilities 2011: $3,250Net Assets 2011: $119,1522011Assets 2012: $107,992Liabilities 2012: $0Net Assets 2012: $107,9922012Assets 2013: $126,536Liabilities 2013: $2,763Net Assets 2013: $123,7732013Assets 2014: $156,122Liabilities 2014: -$527Net Assets 2014: $156,6492014Assets 2015: $131,852Liabilities 2015: $1,293Net Assets 2015: $130,5592015Assets 2016: $167,746Liabilities 2016: $30,636Net Assets 2016: $137,1102016Assets 2017: $133,947Liabilities 2017: $2,107Net Assets 2017: $131,8402017Assets 2018: $153,400Liabilities 2018: $2,669Net Assets 2018: $150,7312018Assets 2019: $163,074Liabilities 2019: $11,220Net Assets 2019: $151,8542019Assets 2020: $145,882Liabilities 2020: $40,195Net Assets 2020: $105,6872020Assets 2021: $113,349Liabilities 2021: $30,546Net Assets 2021: $82,8032021Assets 2022: $55,287Liabilities 2022: $531Net Assets 2022: $54,7562022Assets 2023: $64,504Liabilities 2023: $11,546Net Assets 2023: $52,9582023Assets 2024: $64,625Liabilities 2024: $945Net Assets 2024: $63,6802024

Highlighted filing

2024

Assets$64,625
Liabilities$945
Net Assets$63,680
Open 2024 Filing

Operations Trend

Revenue Growth64th percentile

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

$400K$300K$200K$100K$0-$100KRevenue 2010: $150,298Expenses 2010: $128,577Net Income 2010: $21,7212010Revenue 2011: $173,541Expenses 2011: $169,312Net Income 2011: $4,2292011Expenses 2012: $242,8532012Revenue 2013: $273,547Expenses 2013: $257,768Net Income 2013: $15,7792013Revenue 2014: $294,047Expenses 2014: $261,170Net Income 2014: $32,8772014Revenue 2015: $295,133Expenses 2015: $321,222Net Income 2015: -$26,0892015Revenue 2016: $243,199Expenses 2016: $237,044Net Income 2016: $6,1552016Revenue 2017: $243,597Expenses 2017: $248,866Net Income 2017: -$5,2692017Revenue 2018: $279,852Expenses 2018: $260,962Net Income 2018: $18,8902018Revenue 2019: $250,030Expenses 2019: $252,370Net Income 2019: -$2,3402019Revenue 2020: $128,809Expenses 2020: $174,467Net Income 2020: -$45,6582020Revenue 2021: $199,859Expenses 2021: $223,094Net Income 2021: -$23,2352021Revenue 2022: $216,640Expenses 2022: $245,080Net Income 2022: -$28,4402022Revenue 2023: $197,999Expenses 2023: $199,790Net Income 2023: -$1,7912023Revenue 2024: $213,898Expenses 2024: $203,177Net Income 2024: $10,7212024

Highlighted filing

2024

Revenue$213,898
Expenses$203,177
Net Income$10,721
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$64,625
Liabilities
$945
Net assets
$63,680
Revenue
$213,898
Expenses
$203,177
Net income
$10,721
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.65$0.01$0.64$2.14$2.03$0.11
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.65$0.12$0.53$1.98$2.00$0.02
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.55$0.01$0.55$2.17$2.45$0.28
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.13$0.31$0.83$2.00$2.23$0.23
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.46$0.40$1.06$1.29$1.74$0.46
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.63$0.11$1.52$2.50$2.52$0.02
2018Detailed filing. Detailed filing data is available for this year.$1.53$0.03$1.51$2.80$2.61$0.19
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.34$0.02$1.32$2.44$2.49$0.05
2016Detailed filing. Detailed filing data is available for this year.$1.68$0.31$1.37$2.43$2.37$0.06
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.32$0.01$1.31$2.95$3.21$0.26
2014Summary only. Only limited summary data is available for this year.$1.56$0.01$1.57$2.94$2.61$0.33
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.27$0.03$1.24$2.74$2.58$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.08$0.00$1.08$2.43
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.22$0.03$1.19$1.74$1.69$0.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.45$0.30$1.15$1.50$1.29$0.22
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 16, 2025
Return Version
2024v5.2
Gross Receipts
$213,898
Mission and Program Overview

Mission

Providing educational opportunities to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$64,539$64,660▲ $121
Accounts Receivable$-35$-35→ $0
Total Assets$64,504$64,625▲ $121
Liabilities
Deferred Revenue$11,546$945▼ $10,601
Total Liabilities$11,546$945▼ $10,601
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$52,958$63,680▲ $10,722
Total Net Assets Fund Balance$52,958$63,680▲ $10,722
Total Liabilities and Net Assets / Fund Balance$64,504$64,625▲ $121
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Duane DavisImmediate Past President
Gary AllenPast President
James SmithPast President
Jan CobbPast President
Nick PiercePast President
Rob RobinsonPast President
Sterling ThorntonPast President
Vic LeePast President
Jeb SmithPresident
Joe SchuebertFirst Vice President
Quinten BatesSecond Vice President
Lock KyleAssociate Director
Miranda PriceAssociate Director
Andy AsburyDirector
Bryan OliverDirector
Cody PearsonDirector
Dale NunleyDirector
Dan WaltersDirector
David MinickDirector
Doug McdanielDirector
Greg CrookDirector
Joe BautistaDirector
Joe NunnallyDirector
John WesselDirector
Justin BurkeDirector
Leon ParrishDirector
Logan NunnallyDirector
Matt PittmanDirector
Rachel FrancoDirector
Ricky HentzDirector
Shawn BaileyDirector
Vic BarrDirector
Dan JeterSecretary Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$122,810
Program Service Revenue
$89,081
Investment Income
$262
Other Revenue
$1,745
Change in Net Assets
$10,721
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$203,177
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Conferences and Meetings$83,470$5,171-$88,641
Fees for Services Management-$88,020-$88,020
Fees for Services Legal-$12,605-$12,605
Other Expenses-$4,796-$4,796
Insurance-$3,570-$3,570
Office Expenses-$955-$955
All Other Expenses-$747-$747
Fees for Services Accounting-$355-$355
Travel-$177-$177
Total Functional Expenses$83,470$119,707$0$203,177
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

“President of the governing board, the management association for the entity, as well as the preparer review the return for completeness and accuracy.”

Governing documents etc available to public Part VI line 19

“A link is provided on the association website for these documents to be requested via the association management company.”

Filing and Contact Details

Filer

Filer Name
Georgia Installment Lenders Association
EIN
58-6055853
In Care Of
% TERI KRAMER
Phone
4787463868
Address
PO BOX 801, MACON, GA 31202

Signing Officer

Name
Teri Kramer
Title
Treasurer
Phone
4787463868
Signed
2025-10-16
Discuss with paid preparer
No

Organization Details

Principal Officer
Duane Davis
Formed
1951
Legal Domicile
Ga
Voting Board Members
33
Independent Board Members
33
Employees
0

Preparer

Firm
Adam C West Enterprises Inc
Address
369 PIERCE AVENUE, Macon, GA 31204
Preparer
David Mangum
Phone
4787464493
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“The -$7 change reflects a prior period adjustment.”

General explanation attachment

“The organization did not expend any funds for lobbying or other legislative activities for 2020.”

Raw XML AppendixShowing 400 of 525 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
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IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0747
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IRS990/BooksInCareOfDetail/PersonNm0SOUTHERN ASSOCIATION SERVICES
IRS990/BooksInCareOfDetail/PhoneNum04787438613
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02286 INGLESIDE AVENUE
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