Civic Intelligence

Greater Kentucky Credit Union Inc

EIN 61-6026508 • 501(c)14 • Lexington, KY

View Organization Page

Profile

We are a tax exempt credit union providing share and loan services to members.

1001 Red Mile RoadLexington, KY 40504

www.gtkycu.com

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.89x

Higher debt load relative to assets than 62% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

28th percentile

13.98x

Higher debt load relative to revenue than 28% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

18th percentile

1.2%

Higher net margin than 18% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

69th percentile

$186,425

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

9th percentile

-5.2%

Faster asset growth than 9% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

5th percentile

-9.6%

Faster revenue growth than 5% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Down

$89,886,631

Down $4,913,032 (-5.2%) from 2023

Liabilities

Down

$79,939,565

Down $4,980,277 (-5.9%) from 2023

Net Assets

Up

$9,947,066

Up $67,245 (+0.7%) from 2023

Operations
Liabilities / Revenue28th percentileNet Margin18th percentile

Revenue

Down

$5,717,216

Down $607,097 (-9.6%) from 2023

Expenses

Down

$5,649,971

Down $144,056 (-2.5%) from 2023

Net Income

Down

$67,245

Down $463,041 (-87%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth9th percentile

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

$100M$50M$0Assets 2010: $57,850,559Liabilities 2010: $53,470,351Net Assets 2010: $4,380,2082010Assets 2011: $62,641,088Liabilities 2011: $57,399,150Net Assets 2011: $5,241,9382011Assets 2012: $62,460,008Liabilities 2012: $56,624,540Net Assets 2012: $5,835,4682012Assets 2013: $59,167,617Liabilities 2013: $53,173,700Net Assets 2013: $5,993,9172013Assets 2014: $59,012,836Liabilities 2014: $52,675,210Net Assets 2014: $6,337,6262014Assets 2015: $69,584,607Liabilities 2015: $62,596,584Net Assets 2015: $6,988,0232015Assets 2016: $72,464,152Liabilities 2016: $65,452,717Net Assets 2016: $7,011,4352016Assets 2017: $77,462,449Liabilities 2017: $70,027,836Net Assets 2017: $7,434,6132017Assets 2018: $82,789,791Liabilities 2018: $74,852,825Net Assets 2018: $7,936,9662018Assets 2019: $87,753,023Liabilities 2019: $79,383,399Net Assets 2019: $8,369,6242019Assets 2020: $88,322,382Liabilities 2020: $79,781,129Net Assets 2020: $8,541,2532020Assets 2021: $88,942,004Liabilities 2021: $79,788,829Net Assets 2021: $9,153,1752021Assets 2022: $95,065,792Liabilities 2022: $85,389,259Net Assets 2022: $9,676,5332022Assets 2023: $94,799,663Liabilities 2023: $84,919,842Net Assets 2023: $9,879,8212023Assets 2024: $89,886,631Liabilities 2024: $79,939,565Net Assets 2024: $9,947,0662024

Highlighted filing

2024

Assets$89,886,631
Liabilities$79,939,565
Net Assets$9,947,066
Open 2024 Filing

Operations Trend

Revenue Growth5th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $4,795,6772010Expenses 2011: $3,377,8792011Expenses 2012: $3,341,0812012Revenue 2013: $3,483,445Expenses 2013: $3,324,996Net Income 2013: $158,4492013Revenue 2014: $3,351,465Expenses 2014: $3,007,756Net Income 2014: $343,7092014Revenue 2015: $4,175,467Expenses 2015: $3,525,070Net Income 2015: $650,3972015Revenue 2016: $4,561,173Expenses 2016: $4,537,761Net Income 2016: $23,4122016Revenue 2017: $5,031,030Expenses 2017: $4,607,852Net Income 2017: $423,1782017Revenue 2018: $5,095,498Expenses 2018: $4,433,642Net Income 2018: $661,8562018Revenue 2019: $5,249,228Expenses 2019: $4,816,570Net Income 2019: $432,6582019Revenue 2020: $5,006,684Expenses 2020: $4,835,055Net Income 2020: $171,6292020Revenue 2021: $5,288,547Expenses 2021: $4,676,625Net Income 2021: $611,9222021Revenue 2022: $5,100,885Expenses 2022: $4,577,527Net Income 2022: $523,3582022Revenue 2023: $6,324,313Expenses 2023: $5,794,027Net Income 2023: $530,2862023Revenue 2024: $5,717,216Expenses 2024: $5,649,971Net Income 2024: $67,2452024

Highlighted filing

2024

Revenue$5,717,216
Expenses$5,649,971
Net Income$67,245
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$89,886,631
Liabilities
$79,939,565
Net assets
$9,947,066
Revenue
$5,717,216
Expenses
$5,649,971
Net income
$67,245
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$89.9$79.9$9.95$5.72$5.65$0.07
2023Detailed filing. Detailed filing data is available for this year.$94.8$84.9$9.88$6.32$5.79$0.53
2022Detailed filing. Detailed filing data is available for this year.$95.1$85.4$9.68$5.10$4.58$0.52
2021Detailed filing. Detailed filing data is available for this year.$88.9$79.8$9.15$5.29$4.68$0.61
2020Detailed filing. Detailed filing data is available for this year.$88.3$79.8$8.54$5.01$4.84$0.17
2019Detailed filing. Detailed filing data is available for this year.$87.8$79.4$8.37$5.25$4.82$0.43
2018Detailed filing. Detailed filing data is available for this year.$82.8$74.9$7.94$5.10$4.43$0.66
2017Detailed filing. Detailed filing data is available for this year.$77.5$70.0$7.43$5.03$4.61$0.42
2016Detailed filing. Detailed filing data is available for this year.$72.5$65.5$7.01$4.56$4.54$0.02
2015Detailed filing. Detailed filing data is available for this year.$69.6$62.6$6.99$4.18$3.53$0.65
2014Detailed filing. Detailed filing data is available for this year.$59.0$52.7$6.34$3.35$3.01$0.34
2013Detailed filing. Detailed filing data is available for this year.$59.2$53.2$5.99$3.48$3.32$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.5$56.6$5.84$3.34
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$62.6$57.4$5.24$3.38
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.9$53.5$4.38$4.80
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.0
Gross Receipts
$5,717,216
Mission and Program Overview

Mission

We are a tax exempt credit union providing share and loan services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$71,600,859$69,620,350▼ $1,980,509
Savings and Temporary Cash Investments$17,592,752$14,755,457▼ $2,837,295
Rtn Earn Endowment Incm Other Fnds$9,879,821$9,947,066▲ $67,245
Cash and Non-Interest-Bearing Accounts$672,093$955,758▲ $283,665
Land, Buildings, and Equipment, Net$780,298$807,552▲ $27,254
Prepaid Expenses and Deferred Charges$630,741$653,975▲ $23,234
Receivables From Officers Etc$322,937$119,458▼ $203,479
Accounts Receivable$352,537$100,484▼ $252,053
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Total Assets$94,799,663$89,886,631▼ $4,913,032
Other Assets Total$2,847,446$2,873,597▲ $26,151
Liabilities
Other Liabilities$81,295,143$79,421,479▼ $1,873,664
Accounts Payable and Accrued Expenses$3,624,699$518,086▼ $3,106,613
Total Liabilities$84,919,842$79,939,565▼ $4,980,277
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,879,821$9,947,066▲ $67,245
Total Liabilities and Net Assets / Fund Balance$94,799,663$89,886,631▼ $4,913,032

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$485,497$1,345,675$1,831,172
Equipment$143,401$464,519$607,920
Leasehold Improvements$1,103$333,075$334,178
Land$177,551-$177,551
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael LittlePresident/CEOFT$172,665$4,800$177,465
Jeffrey CalvertIT ManagerFT$101,928$39,079$141,007
Julie LoganVice PresidentFT$106,301$6,516$112,817
Devon AdamsVice President of Member DevelopmentFT$92,811$10,296$103,107
Carrie JohnsonVP of HR and Employee DevelopmentFT$93,654$6,241$99,895
Debbie PyleRetired CEOFT$73,238$5,874$79,112

Board Members and Trustees

NameTitle
Ken HadleyChairman
Gary WalkerVice Chairman
Karl StoerzerBoard Member
William SpearsRetired Board Member
Karen SettlesSecretary
Christina StewartTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,467,811
Investment Income
$750,354
Other Revenue
$499,051
Change in Net Assets
$67,245

Audited Revenue Reconciliation

Revenue per Audited Statements
$5,717,216
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$5,717,216
Total Revenue per Form 990
$5,717,216
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,930,033
Salaries, Compensation, and Employee Benefits$1,719,938
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$1,866,840
Fees for Services Other---$979,695
Other Salaries and Wages---$737,359
Current Officers, Directors, Trustees, and Key Employees---$645,397
Occupancy---$174,713
Other Employee Benefits---$151,034
Other Expenses---$149,029
Payroll Taxes---$114,863
Depreciation Depletion---$94,338
All Other Expenses---$74,170
Pension Plan Contributions---$71,285
Office Expenses---$67,021
Advertising---$34,331
Insurance---$32,532
Conferences and Meetings---$18,435
Fees for Services Accounting---$12,994
Fees for Services Legal---$6,783
Information Technology---$5,722
Total Functional Expenses$0$0$0$5,649,971

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$5,649,971
Total Expenses per Audited Statements$5,649,971
Total Expenses per Form 990$5,649,971
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$322,937$119,458▼ $203,479
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Certificates of Deposits$37,256,330
Savings Accounts$15,467,347
Checking Accounts$11,275,341
IRA Accounts$7,895,456
Money Market Savings Accounts$6,786,795
Money Market Checking$740,210
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
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, Part VI, Section A, Line 6

“All members are required to keep at least $10 in a share account to maintain their membership. The credit union is fully owned by its members.”

Form 990, Part VI, Section A, Line 7A

“All members have the right to vote for our board of directors at our annual meeting.”

Form 990, Part VI, Section A, Line 7B

“Major capital expenditures and strategic capital investments are subject to approval by the board of directors.”

Form 990, Part VI, Section B, Line 11B

“The 990 will be presented to the Asset-Liability Committee (ALCO) and in the Board of Directors in the same year as the return is submitted.”

Form 990, Part VI, Section B, Line 12C

“All employees are required to sign a copy of our conflict of interest policy at the time of hire and annually, thereafter. Annually, board members and senior staff are given a reminder of the policy and are told to whom they should report any conflict. Our VP of HR and Employee Development monitors and tracks all potential conflicts and reports them. All third party vendors must submit relevant financial documents. In addition, we are given a list of their key personnel to look for any potential conflicts.”

Form 990, Part VI, Section B, Line 15

“Using the information from the CEO's performance review and compensation comparisons, the personnel committee determines the CEO's new salary. The process is done annually, in April. The CEO performs evaluations of the VPs using the information from the performance reviews and data collected by the Credit Union National Association (CUNA) that shows comparable compensation ranges for credit unions of similar size and location. The CEO recommends the new salary amounts for each of the above positions. The personnel committee reviews and approves the salaries.”

Form 990, Part VI, Section C, Line 19

“The credit union makes all governing documents and the conflict of interest policy available to the public upon request. The financial statements are posted monthly in the lobby at each location.”

Filing and Contact Details

Filer

Filer Name
Greater Kentucky Credit Union Inc
EIN
61-6026508
Phone
8592319300
Address
1001 Red Mile Road, Lexington, KY 40504

Signing Officer

Name
Michael Little
Title
CEO & President
Phone
8596855630
Signed
2025-11-14

Organization Details

Principal Officer
Michael Little
Formed
1953
Legal Domicile
Ky
Voting Board Members
5
Independent Board Members
5
Employees
32
Volunteers
8
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Collection expense, loan expense, data processor, mailing service, etc.”

Raw XML AppendixShowing 400 of 573 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/Form990PartVIISectionAGrp/PersonNm7Gary Walker
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IRS990/Form990PartVIISectionAGrp/PersonNm10Karl Stoerzer
IRS990/Form990PartVIISectionAGrp/PersonNm11William Spears
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IRS990/Form990PartVIISectionAGrp/TitleTxt4VP of HR and Employee Development
IRS990/Form990PartVIISectionAGrp/TitleTxt5Retired CEO
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