2016-10-21T12:39:34-05:00 2015-12-31 580692043 MAULDIN & JENKINS LLC 200 GALLERIA PKWY SE STE 1700 ATLANTA GA 303395946 990 2015-01-01 586034116 CREDIT UNION OF GEORGIA CRED 6783222088 3048 EAGLE DRIVE WOODSTOCK GA 30189 JIM MOORE CEO 6783222088 2016-09-30 1 MARY JO ALEXANDER P00002534 7709558600 2016-09-28 2015 2017-02-10 21:41:12Z JIM MOORE 3048 EAGLE DRIVE WOODSTOCK GA 30189 13357489 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 75 10 189242 -74893 0 0 11461149 11595973 880844 1028405 0 215000 12341993 12839378 0 0 0 0 3774116 4220946 0 0 0 5093736 5539519 8867852 9760465 3474141 3078913 229612435 249294235 208344423 225332599 21268012 23961636 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 33,000 MEMBERS. 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 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 1678 0 1 75 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 DR HAROLD BARNETT SECRETARY 1.00 X X 0 0 0 WILLIAM M ROGERS TREASURER 1.00 X 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 DIRECTOR 1.00 X 0 0 0 DEBBIE RANDAZZO DIRECTOR 1.00 X 0 0 0 BRAD JOHNSON DIRECTOR 1.00 X 0 0 0 J BRANT MALONE PRESIDENT/CEO 40.00 X 212870 0 30054 BRIAN ALBRECHT VICE PRESIDENT OF FINANCE 40.00 X 99136 0 16265 KATHERYN DAY EXECUTIVE VICE PRESIDENT 40.00 X 159937 0 31533 TOM MCNUTT VP OF IT 40.00 X 100950 0 0 572893 0 77852 3 0 1 0 JACK HENRY PO BOX 609 MONNETT MO 65708 SYMITAR S/W & MAINTANENCE 669724 STS 26700 SUCCESS DRIVE MADISON AL 35756 ALL BRANCHES REPAIR & MAINTENANCE 461308 TMG 1500 NW 118TH ST DES MOINES IA 50325 VISA SERVICES 252064 RAYLEY PPTS PO BOX 1593 WOODSTOCK GA 30188 BUILDING MAINTANENCE & REPAIR 168431 IDS 747 E WHITCOMB AVE MADISON HEIGHTS MI 48071 STATEMENTS/MBR CORRESPONDENCE 150545 9 INTEREST ON LOANS 522100 6724230 6724230 FEE INCOME 522100 4871743 4682501 189242 11595973 1003287 1003287 543229 518111 25118 25118 25118 ADJUSTMENT TO LOAN LOSS PROVISION 900099 215000 215000 215000 12839378 11406731 189242 1243405 549795 2823840 169710 427772 249829 865 38300 711684 244608 1742917 550885 90250 4750 146439 562819 111160 LOAN SERVICING EXPENSE 562432 DEBIT CARD EXPENSES 478237 MEMBER LOSSES 181452 DUES 68066 44655 9760465 2647769 3045326 44409133 42228022 132925326 141349106 351217 293518 13024779 5412066 4990491 7612713 41553092 51934060 2735407 2831490 229612435 249294235 1804432 2017036 206539991 223315563 208344423 225332599 X 0 0 0 0 21268012 23961636 21268012 23961636 229612435 249294235 X 3078913 -222584 -162705 0 X X 0 1 X 1 0 2704009 2704009 5421382 1909851 3511531 2034316 1928556 105760 2004770 1059004 945766 860302 514655 345647 7612713 MORTAGAGE BACKED SECURITIES 36019622 F FEDERAL AGENCY SECURITIES 15707938 F FHLB MEMBERSHIP 206500 F 51934060 MEMBER SHARES 223315563 223315563 12616794 -222584 -222584 12839378 0 12839378 9760465 0 9760465 0 9760465 X 1 1 X X 0 0 0 J BRANT MALONE PRESIDENT/CEO 207800 0 0 0 5070 0 16578 0 13476 0 242924 0 0 0 KATHERYN DAY EXECUTIVE VICE PRESIDENT 154416 0 4566 0 955 0 14794 0 16739 0 191470 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 11 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 XI LINE 8 AN ADJUSTMENT OF $162,705 WAS MADE TO CORRECT THE ACCOUNTING AND REPORTING OF VACATION ACCRUALS AT DECEMBER 31, 2014.