ATLANTA POSTAL CREDIT UNION: Form 990, tax year 2022

View the entire original 990 at ProPublica ↗

Organization: ATLANTA POSTAL CREDIT UNION (EIN 58-0146810)
Tax period: 2022-01-01 to 2022-12-31
Filed: 2023-10-11
IRS object ID: 202342849349300814
Schema version: 2022v5.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule I
Schedule J
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2023-10-11T08:45:04-05:00	ReturnTs
Tax Period End	2022-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	580692043	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	MAULDIN & JENKINS LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	200 GALLERIA PKWY SE STE 1700	AddressLine1Txt
City	ATLANTA	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	303395946	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2022-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	580146810	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	ATLANTA POSTAL CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	ATLA	BusinessNameControlTxt
Phone	4047684126	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3900 CROWN ROAD	AddressLine1Txt
City	ATLANTA	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	303800001	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	BLAKE GRAHAM	PersonNm
Person Title	PRESIDENT/CEO	PersonTitleTxt
Phone	4047684126	PhoneNum
Signature	2023-10-10	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Signing Officer SigningOfficerGrp

Person Full Name PersonFullName

Field	Value	IRS element (for citing)
Person First	BLAKE	PersonFirstNm
Person Last	GRAHAM	PersonLastNm

Field	Value	IRS element (for citing)
SSN	999009999	SSN

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	0	IRSResponsiblePrtyInfoCurrInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JEFF T FUCITO	PreparerPersonNm
PTIN	P00120748	PTIN
Phone	7709558600	PhoneNum
Preparation	2023-11-07	PreparationDt

Additional Filer Information AdditionalFilerInformation

Trusted Customer TrustedCustomerGrp

Field	Value	IRS element (for citing)
Trusted Customer	2	TrustedCustomerCd
Authentication Assurance Level	AAL1	AuthenticationAssuranceLevelCd
Identity Assurance Level	IAL1	IdentityAssuranceLevelCd

Field	Value	IRS element (for citing)
Tax	2022	TaxYr
Build TS	2023-04-26 12:10:37Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	BLAKE GRAHAM	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3900 CROWN ROAD	AddressLine1Txt
City	ATLANTA	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	303800001	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$95,834,319	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.APCU.COM	WebsiteAddressTxt
Type Of Organization Assoc	Yes (X)	TypeOfOrganizationAssocInd
Formation	1925	FormationYr
Legal Domicile State	GA	LegalDomicileStateCd
Activity Or Mission	TO HELP OUR MEMBERS ACHIEVE FINANCIAL SUCCESS BY PROVIDING EXCEPTIONAL PRODUCTS AND SERVICE.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	579	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$83,500,426	PYProgramServiceRevenueAmt
CY Program Service Revenue	$90,289,852	CYProgramServiceRevenueAmt
PY Investment Income	$2,640,828	PYInvestmentIncomeAmt
CY Investment Income	$5,213,023	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$86,141,254	PYTotalRevenueAmt
CY Total Revenue	$95,502,875	CYTotalRevenueAmt
PY Grants And Similar Paid	$27,750	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$25,012	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$27,157,115	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$28,267,247	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$47,573,284	PYOtherExpensesAmt
CY Other Expenses	$52,855,039	CYOtherExpensesAmt
PY Total Expenses	$74,758,149	PYTotalExpensesAmt
CY Total Expenses	$81,147,298	CYTotalExpensesAmt
PY Revenues Less Expenses	$11,383,105	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$14,355,577	CYRevenuesLessExpensesAmt
Total Assets BOY	$2,565,202,791	TotalAssetsBOYAmt
Total Assets EOY	$2,508,761,304	TotalAssetsEOYAmt
Total Liabilities BOY	$2,290,861,586	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$2,238,342,292	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$274,341,205	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$270,419,012	NetAssetsOrFundBalancesEOYAmt
Mission	TO HELP OUR MEMBERS ACHIEVE FINANCIAL SUCCESS BY PROVIDING EXCEPTIONAL PRODUCTS AND SERVICE.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	CREDIT UNION PROVIDING LOANS AND DEPOSITS FOR OVER 104,551 MEMBERS. ATLANTA POSTAL CREDIT UNION IS A MEMBER-OWNED, NOT-FOR-PROFIT FINANCIAL COOPERATIVE, FOUNDED ON THE PREMISE THAT WORKING PEOPLE NEED A SAFE AND SOUND PLACE TO SAVE AND BORROW MONEY. GUIDING PRINCIPLES ARE UNIQUE: ONLY PEOPLE WHO ARE CREDIT UNION MEMBERS CAN BORROW HERE, LOANS SHOULD BE FOR PRUDENT AND PRODUCTIVE PURPOSES, AND A PERSON'S CHARACTER AND DESIRE TO REPAY A LOAN ARE CONSIDERED AS IMPORTANT AS A PERSON'S INCOME.	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	Yes (1)	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	Yes (1)	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	Yes (1)	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	41657	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	579	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
States Where Copy Of Return Is Fld	GA	StatesWhereCopyOfReturnIsFldCd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	THE ORGANIZATION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	4047684126	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	3900 CROWN ROAD	AddressLine1Txt
City	ATLANTA	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	30380	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (16 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd
DAVID PATTERSON
DIRECTOR	1.00	Yes (X)	$18,000	$0	$0
J T MIDDLEBROOKS
DIRECTOR	1.00	Yes (X)	$13,624	$0	$0
SARAH V MEEK
DIRECTOR	1.00	Yes (X)	$12,927	$0	$0
DAVID DISHAROON
CHAIRMAN	1.00	Yes (X)	$0	$0	$0	Yes (X)
MIKE CANTRELL
DIRECTOR	1.00	Yes (X)	$0	$0	$0
TIM PAYNE
BOARD SECRETARY	1.00	Yes (X)	$14,104	$0	$0	Yes (X)
CHARLES HEAD
CEO/DIRECTOR	40.00	Yes (X)	$765,767	$0	$24,864	Yes (X)
BLAKE GRAHAM
PRESIDENT/DIRECTOR	40.00	Yes (X)	$329,684	$0	$36,082	Yes (X)
PHIL UPCHURCH
DIRECTOR	1.00	Yes (X)	$0	$0	$0
KATHERINE BROWN
DIRECTOR	1.00	Yes (X)	$13,664	$0	$0
GARY KYLE
CFO	40.00		$363,751	$0	$35,516	Yes (X)
RICHARD MCCALL
CIO	40.00		$292,692	$0	$35,384		Yes (X)
TERESA STONECYPHER
COO	40.00		$225,552	$0	$22,861		Yes (X)
BELINDA BLAIR
VP MARKETING	40.00		$182,504	$0	$13,190		Yes (X)
MICHAEL WRIGHT
CPO	40.00		$205,817	$0	$24,559		Yes (X)
RACHAEL MARTIN
SVP ACCOUNTING/FINANCE	40.00		$182,394	$0	$14,306		Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$2,620,480	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$206,762	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	28	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
THE REDMOND COMPANY
W228 N745 WESTMOUND DR	WAUKESHA	WI	53186	CONSTRUCTION DESIGN CONSULTANTS	$4,632,551
DATAMATX
3146 NORTHEAST EXPRESSWAY	ATLANTA	GA	303415345	MEMBER STATEMENT PROCESSING	$972,419
JACK HENRY & ASSOCIATES INC
PO BOX 609	MONETT	MO	65708	PROCESSING SYSTEM SOFTWARE PROVIDER	$893,463
CDW DIRECT
PO BOX 75723	CHICAGO	IL	606755723	SOFTWARE MAINTENANCE	$869,168
BPREP TA HOLDINGS LLC
PO BOX 734224	CHICAGO	IL	606734224	LEASED SPACE	$579,885

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	34	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INTEREST ON LOANS	522100	$68,017,493	$68,017,493
OTHER OPERATING INCOME	522100	$15,610,065	$15,610,065
FEES	522100	$6,647,609	$6,647,609
SALES OF LOANS AND LEASES	522100	$14,685	$14,685

Field	Value	IRS element (for citing)
Total Program Service Revenue	$90,289,852	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$5,423,585	TotalRevenueColumnAmt
Exclusion	$5,423,585	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$120,882	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$260,475	SecuritiesAmt
Other	$70,969	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$260,475	SecuritiesAmt
Other	$49,913	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$210,562	TotalRevenueColumnAmt
Exclusion	-$210,562	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$95,502,875	TotalRevenueColumnAmt
Related Or Exempt Func Income	$90,289,852	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$5,213,023	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$25,012	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$1,627,984	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$18,306,753	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$2,970,605	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$3,969,232	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$1,392,673	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$11,452	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$142,015	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,454,921	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$4,589,755	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,344,200	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$3,469,592	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$1,963,159	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$201,705	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$622,175	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$1,372,128	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVIDENDS AND INTEREST	$17,967,911
LOAN SERVICING EXPENSE	$9,534,068
PROVISION FOR LOAN LOSS	$5,673,327
MEMBER INSURANCE	$532,213

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,976,418	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$81,147,298	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$4,181,824	BOYAmt
EOY	$4,070,057	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$222,928,885	BOYAmt
EOY	$110,065,125	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$1,725,998,122	BOYAmt
EOY	$1,778,707,090	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$36,655,022	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$15,055,709	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$7,099,876	BOYAmt
EOY	$21,599,313	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$494,877,328	BOYAmt
EOY	$469,169,647	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$110,116,756	BOYAmt
EOY	$125,150,072	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$2,565,202,791	BOYAmt
EOY	$2,508,761,304	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$24,281,334	BOYAmt
EOY	$26,108,824	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$2,266,580,252	BOYAmt
EOY	$2,212,233,468	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$2,290,861,586	BOYAmt
EOY	$2,238,342,292	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$274,341,205	BOYAmt
EOY	$270,419,012	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$274,341,205	BOYAmt
EOY	$270,419,012	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$2,565,202,791	BOYAmt
EOY	$2,508,761,304	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$14,355,577	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$35,937,646	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$17,659,876	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	Yes (1)	FSAuditedInd

FS Audited Basis FSAuditedBasisGrp

Field	Value	IRS element (for citing)
Separate Basis Fincl Stmt	Yes (X)	SeparateBasisFinclStmtInd

Field	Value	IRS element (for citing)
Audit Committee	Yes (1)	AuditCommitteeInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$9,643,244	OtherCostOrOtherBasisAmt
Book Value	$9,643,244	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,027,458	OtherCostOrOtherBasisAmt
Depreciation	$639,868	DepreciationAmt
Book Value	$7,387,590	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,213,466	OtherCostOrOtherBasisAmt
Depreciation	$3,115,949	DepreciationAmt
Book Value	$1,097,517	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,873,065	OtherCostOrOtherBasisAmt
Depreciation	$11,299,892	DepreciationAmt
Book Value	$1,573,173	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,897,789	OtherCostOrOtherBasisAmt
Book Value	$1,897,789	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$21,599,313	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (5 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
457F DEFERRED COMPENSATION ANNUITY	$338,035	F
CORPORATE CREDIT UNIONS PPC	$867,994	C
MUTUAL FUNDS	$1,696,349	F
NCUA CLF	$6,234,219	C
US GOVT-SPONSORED ENTERPRISES	$460,033,050	F

Field	Value	IRS element (for citing)
Total Book Value Securities	$469,169,647	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
ACCRUED DIVIDENDS	$103,537
SHARES AND DEPOSITS	$2,212,129,931

Field	Value	IRS element (for citing)
Total Liability	$2,212,233,468	TotalLiabilityAmt
Total Rev Etc Audited Fincl Stmt	$59,782,351	TotalRevEtcAuditedFinclStmtAmt
Net Unrealized Gains Invst	-$35,937,646	NetUnrealizedGainsInvstAmt
Revenue Not Reported	-$35,937,646	RevenueNotReportedAmt
Revenue Subtotal	$95,719,997	RevenueSubtotalAmt
Other Revenues Not Included	-$217,122	OtherRevenuesNotIncludedAmt
Revenue Not Reported Fincl Stmt	-$217,122	RevenueNotReportedFinclStmtAmt
Total Revenue Per Form990	$95,502,875	TotalRevenuePerForm990Amt
Tot Expns Etc Audited Fincl Stmt	$63,704,544	TotExpnsEtcAuditedFinclStmtAmt
Other Expenses Included	-$17,442,754	OtherExpensesIncludedAmt
Expenses Not Reported	-$17,442,754	ExpensesNotReportedAmt
Expenses Subtotal	$81,147,298	ExpensesSubtotalAmt
Expenses Not Rpt Fincl Stmt	$0	ExpensesNotRptFinclStmtAmt
Total Expenses Per Form990	$81,147,298	TotalExpensesPerForm990Amt

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART XI, LINE 4B - OTHER ADJUSTMENTS:	RECLASS OF CONTRA REVENUE FROM AUDIT EXPENSE -217,122.
PART XII, LINE 2D - OTHER ADJUSTMENTS:	ADJUSTMENT TO RECOGNIZE FUNDED STATUS OF PENSION PLAN AND POST RETIREMENT -17,659,876. RECLASS OF CONTRA REVENUE FROM AUDIT EXPENSE 217,122.
FORM 990	THE ORGANIZATION HAS NO UNCERTAIN TAX LIABILITIES UNDER FIN 48.

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Recipient Table RecipientTable (2 entries)

Address Line1USAddress/AddressLine1Txt	CityUSAddress/CityNm	State AbbreviationUSAddress/StateAbbreviationCd	ZIPUSAddress/ZIPCd	Recipient EINRecipientEIN	IRC SectionIRCSectionDesc	Cash GrantCashGrantAmt	Non Cash AssistanceNonCashAssistanceAmt	Purpose Of GrantPurposeOfGrantTxt
CHILDREN'S MIRACLE NETWORK
205 WEST 700 SOUTH	SALT LAKE CITY	UT	84101	870387205	501(C)(3)	$9,512	$0	GENERAL OPERATIONS
POSTAL EMPLOYEE RELIEF FUND
PO BOX 7630	WOODBRIDGE	VA	22195	521666010	501(C)(3)	$10,000	$0	GENERAL OPERATIONS

Field	Value	IRS element (for citing)
Total501c3 Org	2	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	DONATIONS WERE MADE TO CHARITABLE ORGANIZATIONS FOR OPERATIONS.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	Yes (X)	TravelForCompanionsInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (8 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
CHARLES HEAD
CEO/DIRECTOR	$656,433	$0	$100,000	$0	$9,334	$0	$0	$0	$24,864	$0	$790,631	$0	$0	$0
GARY KYLE
CFO	$337,551	$0	$26,200	$0	$0	$0	$0	$0	$35,516	$0	$399,267	$0	$0	$0
BLAKE GRAHAM
PRESIDENT/DIRECTOR	$280,610	$0	$40,000	$0	$9,074	$0	$0	$0	$36,082	$0	$365,766	$0	$0	$0
RICHARD MCCALL
CIO	$266,492	$0	$26,200	$0	$0	$0	$0	$0	$35,384	$0	$328,076	$0	$0	$0
TERESA STONECYPHER
COO	$199,352	$0	$26,200	$0	$0	$0	$0	$0	$22,861	$0	$248,413	$0	$0	$0
MICHAEL WRIGHT
CPO	$179,617	$0	$26,200	$0	$0	$0	$0	$0	$24,559	$0	$230,376	$0	$0	$0
RACHAEL MARTIN
SVP ACCOUNTING/FINANCE	$167,394	$0	$15,000	$0	$0	$0	$0	$0	$14,306	$0	$196,700	$0	$0	$0
BELINDA BLAIR
VP MARKETING	$172,504	$0	$10,000	$0	$0	$0	$0	$0	$13,190	$0	$195,694	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	SPOUSE (OR GUEST) EXPENSE. THE SPOUSE OR GUEST OF EACH DIRECTOR, VOLUNTEER AND APCU OFFICER IS ENCOURAGED TO ATTEND APCU FUNCTIONS. APCU WILL PAY EXPENSES FOR THIS PERSON TO INCLUDE THE FOLLOWING BUT NOT LIMITED TO ALL TRAVEL, FOOD, LODGING, REGISTRATION, INCIDENTAL EXPENSES AND ENTERTAINMENT.
PART I, LINE 4B	HIGHLY-COMPENSATED EMPLOYEE RICHARD MCCALL PARTICIPATED IN A SECTION 457 PLAN WITH AN EMPLOYER CONTRIBUTION OF $11,676.

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (8 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	ATLANTA POSTAL CREDIT UNION IS A STATE-CHARTERED CREDIT UNION WITH 104,551 VOTING MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	CREDIT UNION MEMBERS VOTE FOR BOARD MEMBERS.
FORM 990, PART VI, SECTION B, LINE 11B	THE ENTIRE BOARD REVIEWS AND DISCUSSES FORM 990 IN A BOARD MEETING PRIOR TO FILING.
FORM 990, PART VI, SECTION B, LINE 12C	EACH YEAR, DIRECTORS AND OFFICERS COMPLETE THE CONFIDENTIAL REPORT FOR CREDIT UNION OFFICIALS FOR THE GEORGIA STATE BANKING DEPARTMENT. THIS FORM REQUIRES THAT OTHER BUSINESS RELATIONSHIPS BE DISCLOSED. THESE FORMS ARE MONITORED FOR ANY POTENTIAL CONFLICTS.
FORM 990, PART VI, SECTION B, LINE 15	SALARIES FOR THE CEO AND OTHER OFFICERS ARE REVIEWED AND INCREASES APPROVED BY THE BOARD OF DIRECTORS. SALARIES FOR THESE POSITIONS ARE COMPARED TO INDUSTRY AVERAGES BY USING CUNA'S COMPLETE CREDIT UNION STAFF SALARY SURVEY.
FORM 990, PART VI, SECTION C, LINE 19	ATLANTA POSTAL CREDIT UNION FILES CALL REPORTS QUARTELY. THESE ARE PUBLISHED ON THE INTERNET AND AVAILABLE TO THE GENERAL PUBLIC. OTHER DOCUMENTS ARE AVAILABLE UPON REQUEST.
FORM 990, PART XI, LINE 9:	ADJUSTMENT TO RECOGNIZE FUNDED STATUS OF PENSION PLAN 17,659,876.
FORM 990. PART XII, LINE 2C.	THERE HAVE BEEN NO CHANGES TO THE AUDITOR SELECTION PROCESS NOR THE FINANCIAL STATEMENT REVIEW.

Schedule R IRS990ScheduleR

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	THE CREDIT UNION LOAN SOURCE LLC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1669 PHOENIX PARKWAY 110	AddressLine1Txt
City	COLLEGE PARK	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	30349	ZIPCd

Field	Value	IRS element (for citing)
Primary Activities	ORIGINATES LOANS	PrimaryActivitiesTxt
Legal Domicile State	GA	LegalDomicileStateCd
Direct Controlling NA	N/A	DirectControllingNACd
Entity Type	C	EntityTypeTxt
Share Of Total Income	$3,344,085	ShareOfTotalIncomeAmt
Share Of EOY Assets	$44,970,177	ShareOfEOYAssetsAmt
Ownership	0.25000	OwnershipPct
Controlled Organization	0	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	0	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	0	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	0	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	0	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	0	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	0	DivRelatedOrganizationInd
Asset Sale To Other Org	0	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	0	AssetPurchaseFromOtherOrgInd
Asset Exchange	0	AssetExchangeInd
Rental Of Facilities To Oth Org	0	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	0	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	0	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	0	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	0	SharingOfFacilitiesInd
Paid Employees Sharing	0	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	0	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	0	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	0	TransferToOtherOrgInd
Transfer From Other Org	0	TransferFromOtherOrgInd