2017-08-21T10:23:19-05:00 2016-12-31 580692043 MAULDIN & JENKINS LLC 200 GALLERIA PKWY SE STE 1700 ATLANTA GA 303395946 990 2016-01-01 586034116 CREDIT UNION OF GEORGIA CRED 6783222088 3048 EAGLE DRIVE WOODSTOCK GA 30189 JERRY RAGAN PRESIDENT/CEO 6783222088 2017-08-18 1 MARY JO ALEXANDER P00002534 7709558600 2017-08-14 50.192.51.169 2017-08-18 15:59:31 ED P 22709AFA47563364B621B0C461921DEB0EE6EC74 D42C9BDB9B1A3BA8F5E3102856B38CFA0A22C43C 2016 2021-01-29 14:40:06Z JERRY RAGAN 3048 EAGLE DRIVE WOODSTOCK GA 30189 17954227 0 3804 X WWWW.CUOFGA.ORG X STATE-CHARTERED CREDIT UNION 1960 GA SEE SCHEDULE O FOR COMPLETE DESCRIPTION. THE CREDIT UNION IS A COOPERATIVE ORGANIZED TO PROVIDE MEMBERS THRIFT SAVINGS AND BORROWINGS. 7 7 83 10 200557 -71149 0 0 11595973 11755246 1028405 1266805 215000 0 12839378 13022051 0 0 0 0 4220946 4669136 0 0 0 5539519 6013290 9760465 10682426 3078913 2339625 249294235 274137447 225332599 248389012 23961636 25748435 THE CREDIT UNION IS A COOPERATIVE ORGANIZED TO PROVIDE MEMBERS THRIFT SAVINGS AND BORROWINGS. 0 0 CREDIT UNION OF GEORGIA IS A COOPERATIVE (OWNED BY ITS MEMBERS), NOT-FOR-PROFIT FINANCIAL INSTITUTION ORGANIZED TO PROVIDE THRIFT SAVINGS AND BORROWINGS TO ITS MEMBERS. THERE ARE APPROXIMATELY 32,000 MEMBERS. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1788 0 1 83 1 1 1 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 0 0 GA X BRIAN ALBRECHT 6783222025 3048 EAGLE DRIVE WOODSTOCK GA 30189 DAVID DIGIOVANNI DIRECTOR 1.00 X 0 0 0 WILLIAM M ROGERS DIRECTOR 1.00 X 0 0 0 DR FRANCES ROBERSON CHAIRMAN 1.00 X X 0 0 0 BARBARA BOUNDS SELBY VICE CHAIRMAN 1.00 X X 0 0 0 DANNY SMITH TREASURER 1.00 X X 0 0 0 DEBBIE RANDAZZO SECRETARY 1.00 X X 0 0 0 BRAD JOHNSON DIRECTOR 1.00 X 0 0 0 MICHAEL ANDERSON DIRECTOR 1.00 X 0 0 0 DR HAROLD BARNETT DIRECTOR 1.00 X 0 0 0 J BRANT MALONE PRESIDENT/CEO 40.00 X 189881 0 24755 BRIAN ALBRECHT VICE PRESIDENT OF FINANCE 40.00 X 106482 0 19867 JIM MOORE INTERIM CEO 40.00 X 41819 0 7316 KATHERYN DAY EXECUTIVE VICE PRESIDENT 40.00 X 170151 0 33795 TOM MCNUTT VP OF IT 40.00 X 100828 0 31446 609161 0 117179 4 0 1 0 JACK HENRY PO BOX 609 MONNETT MO 65708 SYMITAR S/W & MAINTANENCE 1170039 STS 26700 SUCCESS DRIVE MADISON AL 35756 ALL BRANCHES REPAIR & MAINTENANCE 406524 RAYLEYRG PPTS PO BOX 1593 WOODSTOCK GA 30188 BUILDING MAINTANENCE & REPAIR 291357 QUEST GROUP 6 CONCOURSE PKWY SUITE 2250 ATLANTA GA 30328 STAFFING SERVICES 169530 VISA PO BOX 026098 MIAMI FL 33102 VISA SERVICES 153898 7 INTEREST ON LOANS 522100 6895003 6895003 FEE INCOME 522100 4860243 4659686 200557 11755246 1243875 1243875 4954821 285 4932176 0 22645 285 22930 22930 13022051 11554689 200557 1266805 594067 3148922 211403 443704 271040 3390 36000 603801 209530 1808582 623858 138704 5339 158167 592697 109195 DEBIT CARD EXPENSES 593578 LOAN SERVICING EXPENSE 438318 PROVISION FOR LOAN LOSS 340615 DEBIT AND CREDIT CARD F 232646 118870 10682426 3045326 1930125 42228022 49878747 141349106 153243707 293518 243589 13628574 5789525 7612713 7839049 51934060 57933191 2831490 3069039 249294235 274137447 2017036 2599983 223315563 245789029 225332599 248389012 X 0 0 0 0 23961636 25748435 23961636 25748435 249294235 274137447 2339625 -552826 0 X X 0 1 X 1 0 2704009 2704009 5681351 2100326 3581025 2075558 1988188 87370 2414852 1303341 1111511 752804 397670 355134 7839049 MORTAGAGE BACKED SECURITIES 45751307 F FEDERAL AGENCY SECURITIES 11957384 F FHLB MEMBERSHIP 224500 F 57933191 MEMBER SHARES 245789029 245789029 12469225 -552826 -552826 13022051 0 13022051 10682426 0 10682426 0 10682426 X 1 1 X X 0 0 0 J BRANT MALONE PRESIDENT/CEO 189631 0 0 0 250 0 10712 0 14043 0 214636 0 0 0 KATHERYN DAY EXECUTIVE VICE PRESIDENT 169196 0 0 0 955 0 16246 0 17549 0 203946 0 0 0 PART I, LINE 1B DIRECTORS ARE ALLOWED TO HAVE A COMPANION ACCOMPANY THEM ON CONFERENCES. FORM 990, PART VI, SECTION A, LINE 6 THE ORGANIZATION HAS APPROXIMATELY 32,000 MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A ELECTION OF MEMBERS AND THEIR RIGHTS: ALL PERSONS ELIGIBLE FOR MEMBERSHIP AS DEFINED BY THE BYLAWS CAN JOIN. FORM 990, PART VI, SECTION A, LINE 7B DECISIONS SUBJECT TO APPROVAL OF MEMBERS: THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP. FORM 990, PART VI, SECTION B, LINE 11B ORGANIZATION'S PROCESS TO REVIEW FORM 990: FORM 990 AND 990T ARE REVIEWED BY CREDIT UNION OFFICERS AND BOARD OF DIRECTORS PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C ENFORCEMENT OF CONFLICTS POLICY: CONFLICTS OF INTEREST ARE PART OF PERSONNEL POLICY, AS WELL AS BOARD CODE OF ETHICS POLICY. FORM 990, PART VI, SECTION B, LINE 15A COMPENSATION PROCESS FOR TOP OFFICIAL: COMPENSATION OF TOP OFFICIALS IS SUBJECT TO REVIEW BY THE BOARD OF DIRECTORS. AN OUTSIDE, INTEPENDENT, CONSULTING ORGANIZATION IS USED TO DETERMINE SALARY GUIDELINES. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS DISCLOSURE EXPLANATION: CREDIT UNION GOVERNING DOCUMENTS ARE MADE AVAILABLE TO MEMBERS UPON REQUEST. FINANCIAL INFORMATION IS AVAILABLE TO THE GENERAL PUBLIC THROUGH NCUA REPORTS. FORM 990 SECTION XII LINE 2C THE PROCESS FOR AUDITOR SELECTION AND AUDIT OVERSIGHT HAS NOT CHANGED FROM THE PRIOR YEAR. FORM 990 PART X THE ORGANIZATION HAS NO UNCERTAIN TAX LIABILITIES UNDER FIN 48.