2023-10-30T14:41:48-05:00 2022-12-31 410746749 CLIFTONLARSONALLEN LLP 20 EAST THOMAS ROAD SUITE 2300 PHOENIX AZ 85012 990 2022-01-01 580904765 DELTA COMMUNITY CREDIT UNION DELT 4047154725 3250 RIVERWOOD PKWY ATLANTA GA 30339 JAY GRATWICK EVP & CFO 4047154725 2023-10-27 1 JAY GRATWICK 999009999 1 MELISSA HANGSLEBEN P02087031 6022662248 2023-10-18 2 AAL1 IAL1 2022 2023-04-26 12:10:37Z HANK HALTER 3250 RIVERWOOD PKWY ATLANTA GA 30339 346734414 0 X WWW.DELTACOMMUNITYCU.COM X 1940 GA HELP MEMBERS REACH A LEVEL OF FINANCIAL AWARENESS AND STABILITY THAT AFFORDS THEM PEACE OF MIND. 10 9 1630 13 2759009 684547 0 0 269435738 304454728 26905003 42237751 0 0 296340741 346692479 315250 321497 21472576 22871220 119441289 128095046 0 0 0 98822826 128624223 240051941 279911986 56288800 66780493 9023056278 9251719034 8161333548 8627411201 861722730 624307833 WE WANT TO BE METRO ATLANTA'S PREFERRED PLACE TO BANK, KNOWN FOR PROVIDING OUR MEMBERS WITH HONEST VALUE, SUPERIOR SERVICE AND TRUSTED ADVICE. 0 0 DELTA COMMUNITY WAS FOUNDED IN 1940 BY EIGHT EMPLOYEES OF DELTA AIR LINES AND HAS BECOME GEORGIA'S LARGEST CREDIT UNION WITH MORE THAN $9 BILLION IN ASSETS AND 32 BRANCH LOCATIONS. IN ADDITION TO PROUDLY SERVING DELTA AIR LINES' EMPLOYEES, THE CREDIT UNION NOW WELCOMES RESIDENTS OF 16 METRO ATLANTA COUNTIES AND EMPLOYEES OF MORE THAN 130 OTHER BUSINESSES. WE ARE ACTIVELY INVOLVED WITH LOCAL CHAMBERS OF COMMERCE, SCHOOLS AND CHARITABLE ORGANIZATIONS TO THIS END AND EMBRACE THE OPPORTUNITY TO GIVE BACK TO THE COMMUNITIES WHERE WE LIVE, WORK, AND SERVE. 0 0 1 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 134809 0 1 1630 1 1 1 0 0 0 0 0 1 0 X 10 9 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X JAY GRATWICK 4047154725 3250 RIVERWOOD PARKWAY ATLANTA GA 30339 HANK HALTER PRESIDENT & CEO 40.00 1.00 X X 1404180 0 429227 CHARLIE BOYAJIAN DIRECTOR 1.00 0.00 X 42830 0 0 ROBIN STRICKLIN DIRECTOR 1.00 0.00 X 33810 0 0 LEMUAL WIMBISH SECRETARY & TREASURER 1.00 0.00 X X 34590 0 0 LINDA O'SHEA VICE CHAIRMAN 1.00 0.00 X X 34590 0 0 JIM DIFFLEY CHAIRMAN 1.00 0.00 X X 32670 0 0 ALAN ARNOLD DIRECTOR 1.00 0.00 X 27710 0 0 MATT SULLIVAN DIRECTOR 1.00 0.00 X 28450 0 0 ESTHER HAMMOND DIRECTOR 1.00 0.00 X 26270 0 0 ALLISON AUSBAND DIRECTOR 1.00 0.00 X 13320 0 0 JAY GRATWICK EVP & CFO 40.00 1.00 X 617871 0 204045 MATTHEW SHEPHERD EVP & COO 40.00 4.00 X 1186278 0 247967 BOB WALSH EVP & CLO 40.00 0.00 X 984241 0 206903 BOB MANNING SVP & GENERAL COUNSEL 40.00 0.00 X 508981 0 114232 TIM MITCHELL SVP & CIO 40.00 0.00 X 488503 0 96652 BILL BUCHANAN SVP & CRO 40.00 0.00 X 448914 0 87669 PAM DAVIS SVP BRANCH DELIVERY & OPERATIONS 40.00 0.00 X 454245 0 77080 SUZANNE MITCHELL SVP HR 40.00 0.00 X 418012 0 86796 BILL MESPLAY SVP REMOTE DELIVERY 40.00 0.00 X 391085 0 78173 ERIC A LATIMER VP COMMERCIAL LENDING 40.00 0.00 X 390749 0 38669 JULIE BATES VP - RETIREMENT & INVESTMENTS 40.00 0.00 X 402139 0 39701 DAVID CASEY FINANCIAL ADVISOR 40.00 0.00 X 387560 0 25448 JAN TRIPP VP-INVESTMENT & INSURANCE 0.00 40.00 X 324886 0 25344 ABDUL HUSSAIN VP-INFORMATION SECURITY 40.00 0.00 X 337080 0 44306 9018964 0 1802212 261 0 1 0 INSIGHT GLOBAL PO BOX 198226 ATLANTA GA 30384 TEMPORARY HELP SERVICES 976325 THREEWILL 148 IRON MT RD CANTON GA 30115 IT CONSULTING 701083 EXECUSOURCE 110 ABERNATHY RD NE BLDG 500 STE ATLANTA GA 30305 TEMPORARY HELP SERVICES 693829 WOODRIDGE ADVISORS 320 S TELLER ST SUITE 250 LAKEWOOD CO 80226 IT CONSULTING 262645 ASCENDO RESOURCES 500 W CYPRESS CREEK RD STE 230 FORT LAUDERDALE FL 33309 TEMPORARY HELP SERVICES 243253 7 INCOME FROM LOANS 522291 205081921 205081921 INTERCHANGE INCOME 525990 44755196 44755196 SERVICE CHARGES 525990 27525650 27200036 325614 OTHER OPERATING INCOME 525990 27091961 24658566 2433395 304454728 41224795 41224795 1054891 41935 1012956 1012956 1012956 346692479 301695719 2759009 42237751 X 276497 45000 22871220 8805294 96287600 4065468 12755018 6181666 491399 338185 53788 8601036 6642428 10830080 12554342 507737 596122 6933357 7431676 804294 UBI TAXES 281898 FINANCIAL SERVICES OPER 24011799 SERVICE CONTRACTS 19241840 PROVISION FOR LOAN LOSS 16500000 12804242 279911986 34342229 59229886 896562593 110924743 63347161 61506873 5019820425 5778424592 6980080 9702944 155743235 72236323 86172128 83506912 2773821066 2893185204 19604769 49844539 122405827 205393341 9023056278 9251719034 79659765 75843710 11084550 1280000 629000000 8070589233 7921287491 8161333548 8627411201 X 0 0 0 0 861722730 624307833 861722730 624307833 9023056278 9251719034 X 66780493 -304696823 501433 X X 0 1 X 1 0 53788 0 0 53788 53788 1 LEAGUE OF SOUTHEASTERN CREDIT UNIONS 3692 COOLIDGE COURT TALLAHASSEE FL 32311 943458406 53788 PART I-A, LINE 1: CONTRIBUTION TO POLITICAL ACTION COMMITTEE. 12519293 12519293 72845046 24486028 48359018 23887019 11476421 12410598 40517959 31561173 8956786 5973918 4712701 1261217 83506912 MEMBER SHARES 7866848943 LEASE LIABILITIES 54438548 7921287491 X PART X, LINE 2: MANAGEMENT EVALUATED THE CREDIT UNION'S TAX POSITIONS AND CONCLUDED THAT THE CREDIT UNION HAD TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE FINANCIAL STATEMENTS. THE CREDIT UNION FILES FORM 990 IN THE U.S. FEDERAL JURISDICTION AND THE STATE OF GEORGIA. THE CREDIT UNION'S 2019 THROUGH 2021 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. 1 CHILDREN'S MIRACLE NETWORK 205 WEST 700 SOUTH SALT LAKE CITY UT 84101 870387205 501(C)(3) 50000 0 FAMILY SUPPORT SERVICES JR ACHIEVEMENT OF GEORGIA INC 275 NORTHSIDE DRIVE NW ATLANTA GA 30314 580598050 501(C)(3) 30000 0 SUPPORT FOR JA DISCOVERY BIZTOWN/ DISCOVERY & 3DE GA SPONSOR/JRACHIE COBB CHAMBER OF COMMERCE PO BOX 671868 MARIETTA GA 30006 580198114 501(C)(6) 7500 0 GOLF TOURNAMENT LEAGUE OF SOUTHERN CREDIT UNIONS 6705 SUGARLOAF PARKWAY STE 200 DULUTH GA 30097 592252733 501(C)(3) 25760 0 EXECUTIVE TEAM SPONSORSHIP TREES ATLANTA 225 CHESTER AVENUE SE ATLANTA GA 30316 581584758 501(C)(3) 13000 0 ROOT BALL, JUNIOR TREEKEEPERS SCIENCE ATL INC 91 PEACHTREE ST NE STE 3400 ATLANTA GA 30303 471652595 501(C)(3) 7500 0 ATLANTA SCIENCE FESTIVAL ARTSBRIDGE SHULER-HENSLEY AWARDS 2796 COBB GALLERIA PKWY ATLANTA GA 30335 201638552 501(C)(3) 10000 0 GEORGIA HIGH SCHOOL MUSICAL THEATRE AWARDS CITY SPRINGS THEATRE COMPANY 8601 DUNWOODY PLACE STE 136 SANDY SPRINGS GA 30350 821085513 501(C)(3) 10000 0 TRUE COLORS THEATRE NEXT NARRATIVE MONOLOGUE COMPETITION ATLANTA REGIONALS GWINNETT CHAMBER OF COMMERCE 6500 SUGARLOAF PARKWAY DULUTH GA 30097 580537282 501(C)(6) 5500 0 GOLF TOURNAMENTS KENNESAW STATE UNIVERSITY FOUNDATION INC 3391 TOWN POINT DRIVE SUITE 4000 MD 9102 KENNESAW GA 30144 237034345 501(C)(3) 15000 0 PROFESSIONAL EDUCATION FOR WOMEN EXPERIENCING AGAPE YOUTH & FAMILY CENTER 2210 MARIETTA BOULEVARD NW GAINESVILLE GA 30318 582372950 501(C)(3) 10000 0 AGAPE IN-SCHOOL AND AFTER-SCHOOL PROGRAMMS FOR YOUTH HALL-DAWSON CASA PROGRAM INC 603 WASHINGTON STREE SW GAINESVILLE GA 30501 582034915 501(C)(3) 10000 0 CASA ADVOCACY URBAN LEAGUE OF GREATER ATLANTA (ULGA) 230 PEACHTREE STREET NW SUITE 2600 ATLANTA GA 30303 580593386 501(C)(3) 10000 0 PROJECT READY HARVARD DIVERSITY PROJECT 504 FAIR ST SW ATLANTA GA 30313 ATLANTA GA 30313 931222072 501(C)(3) 10000 0 THE VERITAS SCHOOL OF SOCIAL SCIENCES 21ST CENTURY LEADERS 115 NEW STREET SUITE B DECATUR GA 30030 581820875 501(C)(3) 7500 0 STEM+ 21 CLUBS: AN IMMERSIVE LEADERSHIP PROGRAM ATLANTA VOLUNTEER LAWYERS FOUNDATION 235 PEACHTREE ST NE SUITE 1750 NORTH TOWER ATLANTA GA 30303 581364400 501(C)(3) 7500 0 COLLEGE BOUND FAFSA SUBMISSION EVENT CARING FOR OTHERS INC 3537 BROWNS MILL ROAD SUITE 2 ATLANTA GA 30354 161622195 501(C)(3) 7500 0 CARING FOR OTHERS - FAMILY RESOURCE & COMMUNITY EMPOWERMENT CENTER COOL GIRLS INC 315 WEST PONCE DE LEON AVENUE SUITE 800 DECATUR GA 30030 581958246 501(C)(3) 7500 0 COOL GIRLS CLUB GIVING KITCHEN 970 JEFFERSON STREET SUITE 8 ATLANTA GA 30318 462176788 501(C)(3) 7500 0 SAFE AND STABLE HOMES: FINANCIAL EDUCATION & OUTREACH THE SCHOLARSHIP ACADEMY 215 LAKEWOOD WAY SUITE 108 ATLANTA GA 30315 203721836 501(C)(3) 7500 0 COLLEGE BOUND FAFSA SUBMISSION EVENT ESPN CRICKET CELEBRATION BOWL 5555 GLENRIDGE CONNECTOR SUITE 350 ATLANTA GA 30342 133759888 7500 0 TICKETS BENEFITED STUDENTS FROM BEST ACADEMY, KIPP ACADEMY AND COMMUNITIES IN SCHOOLS OF ATLANTA BOY SCOUTS OF AMERICA 191 PEACHTREE ST NE STE 3400 ATLANTA GA 30303 221576300 501(C)(3) 5950 0 UNRESTRICTED 19 3 HBCU SCHOLARSHIP 4 20000 DELTA COMMUNITY SCHOLARSHIP PROGRAM 5 25000 PART I, LINE 2: DELTA COMMUNITY REQUIRES THAT ALL GRANTEE RECIPIENTS SUBMIT AN IMPACT REPORT AT THE CLOSE OF EACH GRANT PERIOD (NOVEMBER 30TH). THIS INDUSTRY STANDARD HIGHLIGHTS THE GOALS ACHIEVED, IMPACT MADE AND RETURN ON INVESTMENT BY DELTA COMMUNITY AND THE ORGANIZATION. REGARDING THE SCHOLARSHIPS, THE CREDIT UNION MAINTAINS WRITTEN POLICIES AND PROCEDURES REGARDING THE DISTRIBUTION OF GRANT FUNDS TO ORGANIZATIONS AND INDIVIDUALS. THESE DETAIL ALL REQUIREMENTS FOR THE FUNDS AS WELL AS HOW THE FUNDS ARE TO BE DISTRIBUTED AND USED. X X X 1 1 X X X X 0 1 0 HANK HALTER PRESIDENT & CEO 761163 0 559810 0 83207 0 420692 0 8535 0 1833407 0 0 0 MATTHEW SHEPHERD EVP & COO 453611 0 242179 0 490488 0 225986 0 21981 0 1434245 0 376950 0 BOB WALSH EVP & CLO 373779 0 197537 0 412925 0 183397 0 23506 0 1191144 0 347855 0 JAY GRATWICK EVP & CFO 383675 0 212915 0 21281 0 180464 0 23581 0 821916 0 0 0 BOB MANNING SVP & GENERAL COUNSEL 340506 0 154941 0 13534 0 98717 0 15515 0 623213 0 0 0 TIM MITCHELL SVP & CIO 322013 0 152963 0 13527 0 81356 0 15296 0 585155 0 0 0 BILL BUCHANAN SVP & CRO 297797 0 140342 0 10775 0 87669 0 0 0 536583 0 0 0 PAM DAVIS SVP BRANCH DELIVERY & OPERATIONS 304433 0 138649 0 11163 0 76874 0 206 0 531325 0 0 0 SUZANNE MITCHELL SVP HR 282132 0 128716 0 7164 0 78261 0 8535 0 504808 0 0 0 BILL MESPLAY SVP REMOTE DELIVERY 261719 0 122129 0 7237 0 71388 0 6785 0 469258 0 0 0 JULIE BATES VP - RETIREMENT & INVESTMENTS 326107 0 71718 0 4314 0 23702 0 15999 0 441840 0 0 0 ERIC A LATIMER VP COMMERCIAL LENDING 201023 0 182263 0 7463 0 15088 0 23581 0 429418 0 0 0 DAVID CASEY FINANCIAL ADVISOR 346203 0 37692 0 3665 0 1867 0 23581 0 413008 0 0 0 ABDUL HUSSAIN VP-INFORMATION SECURITY 243880 0 92824 0 376 0 20725 0 23581 0 381386 0 0 0 JAN TRIPP VP-INVESTMENT & INSURANCE 237188 0 84906 0 2792 0 9829 0 15515 0 350230 0 0 0 PART I, LINE 4B THE CREDIT UNION HAS A 457(F) PLAN FOR VARIOUS MEMBERS OF MANAGEMENT. THE FOLLOWING 457(F) CONTRIBUTIONS WERE MADE BY THE CREDIT UNION: HANK HALTER - $396,292 MATTHEW SHEPARD - $202,519 JAY GRATWICK - $159,862 BOB WALSH - $164,258 BOB MANNING - $74,317 TIM MITCHELL - $71,246 BILL BUCHANAN - $65,721 PAM DAVIS - $66,463 SUZANNE MITCHELL - $61,627 BILL MESPLAY - $57,577 THE FOLLOWING 457(F) DISTRIBUTIONS WERE MADE BY THE CREDIT UNION: MATTHEW SHEPARD - $463,924 BOB WALSH - $395,460 FORM 990, PART VI, SECTION A, LINE 1A THE BOARD OF DIRECTORS, BY TWO-THIRDS VOTE (2/3) OF THE BOARD, MAY DESIGNATE AN EXECUTIVE COMMITTEE, CONSISTING OF THE CHAIRPERSON OF THE BOARD, VICE CHAIRPERSON, SECRETARY, TREASURER, AUDIT COMMITTEE CHAIRPERSON, ANY OTHER DESIGNATED DIRECTOR AND THE CHIEF EXECUTIVE OFFICER OF THE CREDIT UNION. THE EXECUTIVE COMMITTEE MAY EXERCISE OVERSIGHT AUTHORITY OF THE BOARD OF DIRECTORS IN THE MANAGEMENT OF THE BUSINESS AND AFFAIRS OF THE CREDIT UNION. THE EXECUTIVE COMMITTEE SHALL BE RESPONSIBLE FOR (I) ESTABLISHING AND/OR APPROVING ALL EXECUTIVE LEVEL MANAGEMENT COMPENSATION, INCLUDING BUT NOT LIMITED TO SALARIES, VARIABLE COMPENSATION, VACATION PAYOUTS, SEVERANCE PAY AND 457(F) DEFERRED COMPENSATION PLANS FOR THE CEO, PRESIDENT, EXECUTIVE VICE PRESIDENTS AND SENIOR VICE PRESIDENTS; AND (II) APPROVING ANNUAL VARIABLE COMPENSATION PAYOUTS TO ALL CREDIT UNION EMPLOYEES. THE EXECUTIVE COMMITTEE SHALL DESIGNATE ONE OF ITS MEMBERS AS THE PLAN ADMINISTRATOR FOR ALL 457(F) DEFERRED COMPENSATION PLANS AND SUCH DESIGNEE SHALL HANDLE ALL ADMINISTRATIVE DECISIONS RELATING THERETO. IN ADDITION, SUCH DESIGNEE SHALL BE RESPONSIBLE FOR COMMUNICATING AS NECESSARY WITH THE THIRD PARTIES ON MATTERS OF COMPENSATION OF EXECUTIVE LEVEL MANAGEMENT, INCLUDING BUT NOT LIMITED TO MATTERS RELATING TO CHANGE IN COMPENSATION. ALL ACTIONS OF THE EXECUTIVE COMMITTEE SHALL REQUIRE THE VOTE OF TWO-THIRDS (2/3) OF ITS MEMBERS AND ALL DECISIONS RELATING TO COMPENSATION SHALL ADDITIONALLY REQUIRE A WRITTEN APPROVAL MEMORIALIZING THE DECISION OF THE EXECUTIVE COMMITTEE, SIGNED BY THE CHAIRMAN. THE EXECUTIVE COMMITTEE MAY NOT, HOWEVER, (A) APPROVE OR PROPOSE TO THE MEMBERS ACTIONS WHICH THE CODE OR THESE BYLAWS REQUIRES TO BE APPROVED BY THE MEMBERS; (B) FILL VACANCIES ON THE BOARD OF DIRECTORS OR ANY OF ITS COMMITTEES; (C) AMEND THE BYLAWS OF THE CREDIT UNION; (D) APPROVE OR RECOMMEND TO THE MEMBERS A PLAN OF MERGER OR CONSOLIDATION, A SALE, LEASE OR EXCHANGE OF ALL OR SUBSTANTIALLY ALL OF THE CREDIT UNION'S PROPERTY AND ASSETS, OR ANY DISSOLUTION OR LIQUIDATION OF THE CREDIT UNION; OR (E) AUTHORIZE INDEMNIFICATION OF ANY OFFICER OR DIRECTOR AS PROVIDED IN ARTICLE IX OF THESE BYLAWS. THE BOARD OF DIRECTORS MAY REMOVE MEMBERS OF THE EXECUTIVE COMMITTEE. ACTIONS OF THE EXECUTIVE COMMITTEE SHALL BE REPORTED TO THE BOARD OF DIRECTORS AS THE BOARD SHALL PRESCRIBE AT EACH REGULAR MEETING OF THE BOARD. FORM 990, PART VI, SECTION A, LINE 6 MEMBERS OF THE CREDIT UNION SHALL BE: -ANY PERSONS WHO ARE OR HAVE BEEN EMPLOYEES OF DELTA AIRLINES, INC. AND THEIR IMMEDIATE FAMILY MEMBERS OR DOMESTIC PARTNER. -ANY PERSONS WHO ARE OR HAVE BEEN EMPLOYEES AND THEIR IMMEDIATE FAMILY MEMBERS OR DOMESTIC PARTNER OF OTHER GROUPS INCLUDED IN THE CREDIT UNION'S BYLAWS AND APPROVED BY THE BOARD OF DIRECTORS. -NON-PROFIT ORGANIZATIONS WHOSE EMPLOYEES, MEMBERS OR OWNERS ARE PRIMARILY COMPOSED OF PERSONS OR ORGANIZATIONS INCLUDED IN THE ABOVE MEMBERSHIP CRITERIA, AND ALL EMPLOYEES, MEMBERS AND OWNERS OF SUCH ORGANIZATIONS. FORM 990, PART VI, SECTION A, LINE 7A BOARD MEMBERS ARE ELECTED BY MEMBERSHIP. EACH MEMBER OF THE CREDIT UNION HAS ONE VOTE. FORM 990, PART VI, SECTION A, LINE 7B AT ANY MEETING THE MEMBERS (BY ONE MEMBER, ONE VOTE) MAY DECIDE ON ANY MATTER OF INTEREST TO THE CREDIT UNION AND MAY OVERRULE THE BOARD OF DIRECTORS PROVIDED THE NOTICE OF THE MEETING SPECIFIES THE QUESTION TO BE CONSIDERED. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S ACCOUNTING FIRM BASED ON THE INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING. THE FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE EMPLOYEE HANDBOOK SPELLS OUT THE COMPANY'S CONFLICT OF INTEREST POLICY AND REQUIRES EMPLOYEES TO REPORT ALL CONFLICTS OF INTEREST OR POTENTIAL CONFLICTS OF INTEREST TO MANAGEMENT AND/OR THROUGH THE ETHICS/COMPLIANCE HOTLINE NUMBER OR VIA THE INTERNET LINK. EMPLOYEES MUST REPORT ANY POTENTIAL CONFLICT OF INTEREST TO THEIR MANAGER, WHO IN TURN WOULD REPORT THE MATTER TO THE COMPANY'S GENERAL COUNSEL AND THE CHIEF RISK OFFICER FOR A DETERMINATION. ADDITIONALLY, IF AN EMPLOYEE SUSPECTS A CONFLICT OF INTEREST INVOLVING A FELLOW EMPLOYEE, THEY CAN REPORT IT VIA THE ETHICS/COMPLIANCE HOTLINE, WHICH WOULD THEN BE ELEVATED TO THE GENERAL COUNSEL AND THE CHIEF RISK OFFICER FOR A DETERMINATION. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION OF THE TOP MANAGEMENT OFFICIAL, OTHER OFFICERS, AND KEY EMPLOYEES WAS DETERMINED BY THE COMPENSATION COMMITTEE (CONSISTING OF INDEPENDENT DIRECTORS) USING INDUSTRY COMPETITIVE SURVEYS FOR SIMILAR POSITIONS. ALL DISCUSSIONS AND DELIBERATIONS ARE DOCUMENTED IN THE MINUTES OF THE MEETINGS HELD. THIS PROCESS WAS MOST RECENTLY CONDUCTED IN 2022. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION MAKES ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC THROUGH THE ORGANIZATION'S WEBSITE. FORM 990, PART IX, LINE 24E LOAN SERVICE & COLLECTION 11,668,895. OTHER EXPENSES 646,261. MEMBERSHIP DUES 489,086. FORM 990, PART XI, LINE 9: GAIN ON LEASE TERMINATION 501,433. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS NOT CHANGED ITS OVERSIGHT OR SELECTION PROCESS DURING THE TAX YEAR. MEMBERS INSURANCE ADVISORS LLC 315 HWY 74 N PEACHTREE CITY GA 30269 261084051 INSURANCE GA 5251642 19889423 DELTA COMMUNITY CREDIT UNION