Civic Intelligence

Interstate Credit Union

990 • Fiscal year 2024 • EIN 58-6075493

Jan 01, 2024 to Dec 31, 2024 • Filed on May 16, 2025

Organization ProfileIUFCU.ORG

View Organization Page

705 West Cherry StreetJesup, GA 31545

(912) 427-3904

Siviq Scores

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

Liabilities / Assets

17th percentile

0.86x

Higher debt load relative to assets than 17% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

12th percentile

11.64x

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

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

83rd percentile

18%

Higher net margin than 83% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

27th percentile

$352,919

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

93rd percentile

11%

Faster asset growth than 93% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

73rd percentile

19%

Faster revenue growth than 73% of similar nonprofits.

2024 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets17th percentile

Assets

Up

$374,488,986

Up $36,701,106 (+11%) from 2023

Net Assets

Up

$50,601,008

Up $5,885,075 (+13%) from 2023

Liabilities

Up

$323,887,978

Up $30,816,031 (+11%) from 2023

Revenue And Expenses
Liabilities / Revenue12th percentileNet Margin83rd percentile

Revenue

Up

$27,824,600

Up $4,375,949 (+19%) from 2023

Expenses

Up

$22,756,950

Up $3,772,223 (+20%) from 2023

Net Income

Up

$5,067,650

Up $603,726 (+14%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth93rd percentile

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

$400M$300M$200M$100M$0Assets 2020: $220,728,717Liabilities 2020: $187,347,307Net Assets 2020: $33,381,4102020Assets 2021: $260,110,430Liabilities 2021: $222,780,469Net Assets 2021: $37,329,9612021Assets 2022: $308,641,899Liabilities 2022: $268,930,369Net Assets 2022: $39,711,5302022Assets 2023: $337,787,880Liabilities 2023: $293,071,947Net Assets 2023: $44,715,9332023Assets 2024: $374,488,986Liabilities 2024: $323,887,978Net Assets 2024: $50,601,0082024

Highlighted filing

2024

Assets$374,488,986
Liabilities$323,887,978
Net Assets$50,601,008
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

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

$30M$20M$10M$0Revenue 2020: $13,631,577Expenses 2020: $10,393,005Net Income 2020: $3,238,5722020Revenue 2021: $15,195,089Expenses 2021: $10,616,862Net Income 2021: $4,578,2272021Revenue 2022: $18,616,471Expenses 2022: $12,793,016Net Income 2022: $5,823,4552022Revenue 2023: $23,448,651Expenses 2023: $18,984,727Net Income 2023: $4,463,9242023Revenue 2024: $27,824,600Expenses 2024: $22,756,950Net Income 2024: $5,067,6502024

Highlighted filing

2024

Revenue$27,824,600
Expenses$22,756,950
Net Income$5,067,650
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 16, 2025
Return Version
2024v5.0
Gross Receipts
$27,824,600
Mission and Program Overview

Mission

Credit union - to provide services to approximately 35,654 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$276,298,576$290,662,947▲ $14,364,371
Rtn Earn Endowment Incm Other Fnds$44,055,210$49,885,013▲ $5,829,803
Investments Other Securities$31,760,691$32,693,429▲ $932,738
Cash and Non-Interest-Bearing Accounts$11,612,784$31,012,212▲ $19,399,428
Prepaid Expenses and Deferred Charges$6,462,674$7,333,771▲ $871,097
Land, Buildings, and Equipment, Net$7,257,242$7,276,498▲ $19,256
Savings and Temporary Cash Investments$250,000$750,000▲ $500,000
Cap Stk Tr Prin Current Funds$660,723$715,995▲ $55,272
Total Assets$337,787,880$374,488,986▲ $36,701,106
Other Assets Total$4,145,913$4,760,129▲ $614,216
Liabilities
Other Liabilities$287,717,949$319,245,954▲ $31,528,005
Accounts Payable and Accrued Expenses$5,353,998$4,642,024▼ $711,974
Total Liabilities$293,071,947$323,887,978▲ $30,816,031
Net Assets / Fund Balance
Total Net Assets Fund Balance$44,715,933$50,601,008▲ $5,885,075
Total Liabilities and Net Assets / Fund Balance$337,787,880$374,488,986▲ $36,701,106

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,799,193$1,495,977$6,295,170
Equipment$775,809$2,064,712$2,840,521
Land$1,701,496-$1,701,496
Other Securities$483,282--
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stacie B BranchPresident/ceFT$319,180$33,739$352,919
Stacie B BranchPresident/CEO/board-$294,580$58,339$352,919
Pam LeggettSenior VPFT$138,000$31,484$169,484

Board Members and Trustees

NameTitle
Jerry JonesBoard Chairp
Sharon TerryBoard Vice C
Harley GroveBoard/audit
Delinda PattieBod Treas/ac
Amelia MilliganBod/aud Comm
Harriett CooperSecretary, a
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$21,710,600
Investment Income
$1,600,763
Other Revenue
$4,513,237
Change in Net Assets
$5,067,650
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,885,459
Salaries, Compensation, and Employee Benefits$5,871,491
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest-$8,213,363-$8,213,363
Other Salaries and Wages-$4,555,142-$4,555,142
Office Expenses-$1,444,531-$1,444,531
Other Employee Benefits-$715,781-$715,781
Occupancy-$504,552-$504,552
Payroll Taxes-$332,725-$332,725
Pension Plan Contributions-$267,843-$267,843
Other Expenses-$192,349-$192,349
Conferences and Meetings-$129,285-$129,285
All Other Expenses-$119,833-$119,833
Total Functional Expenses$0$22,756,950$0$22,756,950
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
All Other Shares$165,309,446
Regular Shares$88,066,202
Share Drafts$59,075,306
Non Member Deposits$6,795,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
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 board of directors. The members elect the board of directors at the annual meeting.”

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 credit union's hrn compease program is used to determine compensation. The program gathers compensation data from several sources and compiles in order to get comparison salaries. The credit union then looks at comparison ratios as well as performance for determining salary increases.”

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

“The credit union's hrn compease program is used to determine compensation. The program gathers compensation data from several sources and compiles in order to get comparison salaries. The credit union then looks at comparison ratios as well as performance for determining salary increases.”

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
Interstate Credit Union
EIN
58-6075493
Phone
9124273904
Address
705 WEST CHERRY STREET, JESUP, GA 31545

Signing Officer

Name
Stacie B Branch
Title
President/CEO/board
Phone
9124273904
Signed
2025-05-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stacie B Branch
Legal Domicile
Ga
Voting Board Members
6
Independent Board Members
6
Employees
92
Volunteers
6

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 and supervisory committee withouth compensation.”

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

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“OTHER ADJ -162,890”

Raw XML Appendix390 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/BOYAmt05353998
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt04642024
IRS990/AccountsReceivableGrp/BOYAmt0276298576
IRS990/AccountsReceivableGrp/EOYAmt0290662947
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS.
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0119833
IRS990/AllOtherExpensesGrp/TotalAmt0119833
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0HARLEY GROVE
IRS990/BooksInCareOfDetail/PhoneNum09124273904
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0705 W CHERRY ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0JESUP
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0GA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd031545
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0660723
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0715995
IRS990/CashNonInterestBearingGrp/BOYAmt011612784
IRS990/CashNonInterestBearingGrp/EOYAmt031012212
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt0129285
IRS990/ConferencesMeetingsGrp/TotalAmt0129285
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01600763
IRS990/CYOtherExpensesAmt016885459
IRS990/CYOtherRevenueAmt04513237
IRS990/CYProgramServiceRevenueAmt021710600
IRS990/CYRevenuesLessExpensesAmt05067650
IRS990/CYSalariesCompEmpBnftPaidAmt05871491
IRS990/CYTotalExpensesAmt022756950
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt027824600
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt092
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt014543587
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
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/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt033739
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt119484
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0STACIE B BRANCH
IRS990/Form990PartVIISectionAGrp/PersonNm1PAM LEGGETT
IRS990/Form990PartVIISectionAGrp/PersonNm2HARRIETT COOPER
IRS990/Form990PartVIISectionAGrp/PersonNm3HARLEY GROVE
IRS990/Form990PartVIISectionAGrp/PersonNm4JERRY JONES
IRS990/Form990PartVIISectionAGrp/PersonNm5AMELIA MILLIGAN
IRS990/Form990PartVIISectionAGrp/PersonNm6DELINDA PATTIE
IRS990/Form990PartVIISectionAGrp/PersonNm7SHARON TERRY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0319180
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1150000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
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/TitleTxt0PRESIDENT/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1SENIOR VP
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY, A
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD/AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD CHAIRP
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOD/AUD COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOD TREAS/AC
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD VICE C
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt027824600
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InterestGrp/ManagementAndGeneralAmt08213363
IRS990/InterestGrp/TotalAmt08213363
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt01600763
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01600763
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt031760691
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt032693429
IRS990/IRPDocumentCnt05383
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03560689
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07257242
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07276498
IRS990/LandBldgEquipCostOrOtherBssAmt010837187
IRS990/LegalDomicileStateCd0GA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 34,037 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt044715933
IRS990/NetAssetsOrFundBalancesEOYAmt050601008
IRS990/NetUnrlzdGainsLossesInvstAmt0980315
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt0504552
IRS990/OccupancyGrp/TotalAmt0504552
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt01444531
IRS990/OfficeExpensesGrp/TotalAmt01444531
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04145913
IRS990/OtherAssetsTotalGrp/EOYAmt04760129
IRS990/OtherChangesInNetAssetsAmt0-162890
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0715781
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0715781
IRS990/OtherExpensesGrp/Desc0PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3EDUCATION AND PROMOTIONAL
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt04315089
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11460962
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2505495
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3192349
IRS990/OtherExpensesGrp/TotalAmt04315089
IRS990/OtherExpensesGrp/TotalAmt11460962
IRS990/OtherExpensesGrp/TotalAmt2505495
IRS990/OtherExpensesGrp/TotalAmt3192349
IRS990/OtherLiabilitiesGrp/BOYAmt0287717949
IRS990/OtherLiabilitiesGrp/EOYAmt0319245954
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt04513237
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt04513237
IRS990/OtherRevenueTotalAmt04513237
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt04555142
IRS990/OtherSalariesAndWagesGrp/TotalAmt04555142
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0332725
IRS990/PayrollTaxesGrp/TotalAmt0332725
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0267843
IRS990/PensionPlanContributionsGrp/TotalAmt0267843
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06462674
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt07333771
IRS990/PrincipalOfficerNm0STACIE B BRANCH
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt018013326
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13697274
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt018013326
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13697274
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt08213363
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0803165
IRS990/PYOtherExpensesAmt013482993
IRS990/PYOtherRevenueAmt04375441
IRS990/PYProgramServiceRevenueAmt018270045
IRS990/PYRevenuesLessExpensesAmt04463924
IRS990/PYSalariesCompEmpBnftPaidAmt05501734
IRS990/PYTotalExpensesAmt018984727
IRS990/PYTotalRevenueAmt023448651
IRS990/ReconcilationRevenueExpnssAmt05067650
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt044055210
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt049885013
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0250000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0750000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04799193
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01495977
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06295170
IRS990ScheduleD/EquipmentGrp/BookValueAmt0775809
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02064712
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02840521
IRS990ScheduleD/LandGrp/BookValueAmt01701496
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01701496
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0165309446
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt188066202
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt259075306
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt36795000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3NON MEMBER DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt032210147
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1483282
IRS990ScheduleD/OtherSecuritiesGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CAPITAL ACCOUNT
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07276498
IRS990ScheduleD/TotalBookValueSecuritiesAmt032693429
IRS990ScheduleD/TotalLiabilityAmt0319245954
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0294580
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1138000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount024600
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount112000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt033739
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt119484
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0STACIE B BRANCH
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1PAM LEGGETT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO/BOARD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1SENIOR VP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0352919
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1169484
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUTH 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 BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING.
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 CREDIT UNION'S HRN COMPEASE PROGRAM IS USED TO DETERMINE COMPENSATION. THE PROGRAM GATHERS COMPENSATION DATA FROM SEVERAL SOURCES AND COMPILES IN ORDER TO GET COMPARISON SALARIES. THE CREDIT UNION THEN LOOKS AT COMPARISON RATIOS AS WELL AS PERFORMANCE FOR DETERMINING SALARY INCREASES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8THE CREDIT UNION'S HRN COMPEASE PROGRAM IS USED TO DETERMINE COMPENSATION. THE PROGRAM GATHERS COMPENSATION DATA FROM SEVERAL SOURCES AND COMPILES IN ORDER TO GET COMPARISON SALARIES. THE CREDIT UNION THEN LOOKS AT COMPARISON RATIOS AS WELL AS PERFORMANCE FOR DETERMINING SALARY INCREASES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10OTHER ADJ -162,890
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0337787880
IRS990/TotalAssetsEOYAmt0374488986
IRS990/TotalAssetsGrp/BOYAmt0337787880
IRS990/TotalAssetsGrp/EOYAmt0374488986
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt092
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt022756950
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt022756950
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0293071947
IRS990/TotalLiabilitiesEOYAmt0323887978
IRS990/TotalLiabilitiesGrp/BOYAmt0293071947
IRS990/TotalLiabilitiesGrp/EOYAmt0323887978
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt044715933
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt050601008
IRS990/TotalOtherCompensationAmt053223
IRS990/TotalProgramServiceExpensesAmt022756950
IRS990/TotalProgramServiceRevenueAmt021710600
IRS990/TotalReportableCompFromOrgAmt0469180
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt027824600
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt027824600
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0337787880
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0374488986
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0705 W CHERRY ST
IRS990/USAddress/CityNm0JESUP
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd031545
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0HTTP://IUFCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STACIE B BRANCH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO/BOARD
ReturnHeader/BusinessOfficerGrp/PhoneNum09124273904
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0INTERSTATE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0INTE
ReturnHeader/Filer/EIN0586075493
ReturnHeader/Filer/PhoneNum09124273904
ReturnHeader/Filer/USAddress/AddressLine1Txt0705 WEST CHERRY STREET
ReturnHeader/Filer/USAddress/CityNm0JESUP
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd031545
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/PreparationDt02025-05-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-05-27T18:20:42-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$374,488,986
Liabilities
$323,887,978
Net assets
$50,601,008
Revenue
$27,824,600
Expenses
$22,756,950
Net income
$5,067,650
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$374$324$50.6$27.8$22.8$5.07
2023Summary only. Only limited summary data is available for this year.$338$293$44.7$23.4$19.0$4.46
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$309$269$39.7$18.6$12.8$5.82
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$260$223$37.3$15.2$10.6$4.58
2020Summary only. Only limited summary data is available for this year.$221$187$33.4$13.6$10.4$3.24
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2024 filings • 501(c)14 • $250M-$1B nonprofits