2021-07-27T09:03:37-05:00 2019-12-31 410746749 CLIFTONLARSONALLEN LLP 109 N MAIN STREET SUITE 200 AUSTIN MN 55912 990 2019-01-01 580147128 GEORGIA'S OWN CREDIT UNION GEOR 4045751817 100 PEACHTREE ST NW NO 2800 ATLANTA GA 30303 GREGORY L GIBSON CHIEF FINANCIAL OFFICER 4045751817 2021-07-27 1 TANYA MEDGAARDEN P01717240 5074347000 2021-07-07 2019 2022-09-23 18:48:47Z X DAVID A PRETER 100 PEACHTREE ST NW NO 2800 ATLANTA GA 30303 150329607 0 X WWW.GEORGIASOWN.ORG X CU 1943 GA TO PROVIDE THRIFT SAVINGS/BORROWING TO MEMBER-OWNED COOPERATIVE. 10 8 567 0 1251025 0 0 0 122689664 135079310 8132165 7790410 0 0 130821829 142869720 272754 300500 5816417 9393745 41436965 47676049 0 0 0 63892233 64473540 111418369 121843834 19403460 21025886 2406137741 2494603277 2157612255 2222913901 248525486 271689376 TO PROVIDE THRIFT SAVING/BORROWING TO MEMBER-OWNED COOPERATIVE. 0 0 PROVIDED THRIFT SAVINGS/BORROWINGS TO 182,766 MEMBERS. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 1 0 1 0 0 0 0 0 1 1 1 0 1 28473 0 1 567 1 1 1 0 0 0 0 0 1 0 X 10 8 0 0 0 0 1 1 1 1 1 0 0 0 1 1 1 1 1 1 1 0 GA X TERESA MARTIN 4045751817 PO BOX 105205 ATLANTA GA 30348 DAVID A PRETER PRESIDENT / CEO 40.00 X X 1353284 0 365783 ERIC S BROOME CHIEF OPERATIONS OFFICER 40.00 X 604929 0 166142 JOHN J CAREW III CHIEF STRATEGIC OFFICER 40.00 X 387190 0 192441 KELLY M GARMON CHIEF MEMBERSHIP OFFICER 40.00 X 404230 0 141052 CINDY R BOYLES CHIEF TALENT OFFICER 40.00 X 322301 0 173461 GREGORY L GIBSON CHIEF FINANCIAL OFFICER 40.00 X 350941 0 77045 RALPH E HAWORTH DIRECTOR SBA/USDA LENDING 40.00 X 338368 0 39798 DREW A PUTT CHIEF BUSINESS OFFICER 40.00 X 284125 0 67810 AARON W CRAIG DIRECTOR OF MORTGAGE AND INDIRECT SALES 40.00 X 300099 0 24848 BONNIE KIMMEY FORMER CHIEF OPERATIONS OFFICER 0.00 X 260852 0 39462 MATTHEW F HAVICE PRINCIPAL RISK OFFICER & GENERAL COUNSEL 40.00 X 251978 0 34971 KENNETH D BREHM SVP, OPERATIONS 40.00 X 234356 0 45162 KEVAN T WILLIAMSON PRINCIPAL ENTERPRISE TECHNOLOGY OFFICER 40.00 X 234575 0 36514 LORENZO L BROWN VP, STRATEGIC TECHNICAL SOLUTIONS 40.00 X 217144 0 44054 JANET F LAMBERT MORTGAGE LOAN ORIGINATOR 40.00 X 218417 0 32617 CHRISTIN K HEWITT SENIOR CREDIT OFFICER 40.00 X 209962 0 37939 TERESA L MARTIN PRINCIPAL ACCOUNTING OFFICER 40.00 X 195523 0 48986 MICHAEL D STONE VP, MEMBER BUSINESS LENDING 40.00 X 199869 0 36808 DAVID A MARLOWE PRINCIPAL MARKET DEVELOPMENT OFFICER 40.00 X 208678 0 27577 ELIZABETH W BALDWIN PRIVATE BANKING RELATIONSHIP MANAGER 40.00 X 202900 0 27646 MICHAEL S MASSEY PRINCIPAL PRODUCT STRATEGY OFFICER 40.00 X 184113 0 39679 LAURA I STERLING VP, MARKETING 40.00 X 182630 0 35173 ANTHONY L STRIPLING VP, PRIVATE BANKING 40.00 X 172965 0 39316 RODNEY D COWAN VP INTERNAL AUDIT & DIVERSITY AND INCLUSION OFFICE 40.00 X 174927 0 36430 LEE D NORRIS VP, FACILITIES & REAL ESTATE 40.00 X 177914 0 33311 TODD A LAMBRIGHT VP, RETAIL SALES 40.00 X 197580 0 12029 DINA HAIRSTON VP, BUSINESS DEVELOPMENT 40.00 X 167584 0 29635 JAMES V BRYSON VP, BUSINESS SERVICES 40.00 X 150348 0 38987 LAURA M KING SVP, RETAIL SALES 40.00 X 116081 0 287 RICHARD E BURNS DIRECTOR 1.00 X 16486 0 0 JOAN K SIMS DIRECTOR - SECRETARY 1.00 X X 13644 0 0 MICHAEL W BAUMGARTNER DIRECTOR - CHAIRMAN 1.00 X X 13491 0 0 PARTICK H CASEY DIRECTOR - TREASURER 1.00 X X 13491 0 0 WILLIAM E CONINE DIRECTOR 1.00 X 13491 0 0 DAVID DICKEY DIRECTOR - VICE CHAIRMAN 1.00 X X 13491 0 0 JAMES L FOWLER DIRECTOR 1.00 X 13491 0 0 GARY M LUDGOOD DIRECTOR 1.00 X 13491 0 0 ERVIN M WALKER DIRECTOR 1.00 X 13371 0 0 8428310 0 1924963 64 1 1 0 AVTEX SOLUTIONS LLC 3500 AMERICAN BLVD WEST STE 300 BLOOMINGTON MN 55431 SOFTWARE/INSTALLATION OF PHONE SYSTEM 909001 CA SOUTH LLC 800 BATTERY AVE STE 420 ATLANTA GA 30339 GENERAL CONTRACTOR 594058 CU ENGAGE LLC 450 CARILLON PKWY SUITE 130 ST PETERSBURG FL 33716 CONSULTING 590495 ADRENALINE LLC 195 NEW HAMPSHIRE AVE STE 115 PORTSMOUTH NH 03801 CONSULTING 531983 KAUFMAN HALL & ASSOCIATES LLC 5202 OLD ORCHARD RD STE N700 SKOKIE IL 60077 CONSULTING/INSTALLATION OF FINANCIAL REP 478176 19 INTEREST ON LOANS 900099 92234012 92234012 OTHER INCOME 524298 28534208 27283183 1251025 FEE INCOME 522100 14311090 14311090 135079310 7628287 7628287 5500000 2122010 5481880 1978007 18120 144003 162123 162123 142869720 133828285 1251025 7790410 300500 9393745 8620365 26815670 4735411 5077330 2427273 320122 218998 5481769 15811333 4599821 700408 5340233 4601713 PROVISION FOR LOAN LOSS 10000000 LOAN SERVICING EXPENSE 7996422 PROFESSIONAL AND OUTSID 5374709 MISCELLANEOUS OPERATING 3833380 194632 121843834 34057728 25770272 95056159 190768770 15381658 18339884 13699718 16291103 1881540285 1913219941 20474911 5094004 63027202 18383180 31207515 44644022 222482181 184775359 13143481 17880043 5883778 5641139 73210327 72178740 2406137741 2494603277 29948880 35013536 107289000 153289000 2020374375 2034611365 2157612255 2222913901 X 0 0 0 0 248525486 271689376 248525486 271689376 2406137741 2494603277 X 21025886 6715638 -4577634 X X 0 1 X 1 0 0 0 6941058 6941058 14644026 3317613 11326413 7357126 2157960 5199166 34084992 12907607 21177385 44644022 SHARE DRAFTS 412573125 REGULAR SHARES 766549380 MONEY MARKET SHARES 386120800 SHARE CERTIFICATES 231022671 IRA/KEOGH ACCOUNTS 135874497 OTHER SHARES 1796892 NONMEMBER DEPOSITS 100674000 2034611365 X 142869721 1 1 142869720 0 142869720 121843834 0 121843834 0 121843834 PART X, LINE 2: THE CREDIT UNION IS EXEMPT, UNDER INTERNAL REVENUE CODE 501 (C) (14), FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE AND HAS A NET OPERATING LOSS CARRYFORWARD AS OF THE 2018 CALENDAR YEAR. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF DECEMBER 31, 2019 AND 2018. THE CREDIT UNION'S 2016 AND SUBSEQUENT TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. PART XI, LINE 2D - OTHER ADJUSTMENTS: ROUNDING 1. 1 GEORGIA'S OWN FOUNDATION INC 100 PEACHTREE ST NW STE 3250 ATLANTA GA 30303 474818845 501(C)(3) 73350 16625 FMV AUCTION/RAFFLE ITEMS/DONATED SERVICES CHARITABLE DONATION KING'S RIDGE CHRISTIAN SCHOOL 2765 BETHANY BEND RD APLHARETTA GA 30004 582600863 501(C)(3) 20000 CHARITABLE DONATION GEORGIA STATE UNIVERSITY FOUNDATION INC 1 PARK PLACE SUITE 533 ATLANTA GA 30303 586033185 501(C)(3) 101000 CHARITABLE DONATION OURSONG INC PO BOX 53405 ATLANTA GA 30355 113656911 501(C)(3) 6000 CHARITABLE DONATION NACD 1515 N COURTHOUSE RD STE 1200 ARLINGTON VA 22201 522314113 501(C)(3) 8075 CHARITABLE DONATION THE BRIAN JORDAN FOUNDATION 320 CHASON WOOD WAY ROSWELL GA 30076 522091069 501(C)(3) 30000 CHARITABLE DONATION EO ATLANTA CHAPTER INC PO BOX 924202 NORCROSS GA 30010 582355941 501(C)(3) 15000 CHARITABLE DONATION CLAYTON STATE UNIVERSITY FOUNDATION 2000 CLAYTON STATE BLVD MORROW GA 30260 237419285 501(C)(3) 10500 CHARITABLE DONATION THEATRICAL OUTFIT INC 84 LUCKIE ST NW ATLANTA GA 30303 581524285 501(C)(3) 10000 CHARITABLE DONATION LAKEVIEW ACADEMY 796 LAKEVIEW DR GAINESVILLE GA 30501 581077096 501(C)(3) 9500 CHARITABLE DONATION 10 PART I, LINE 2: ALL ASSISTANCE IS CURRENTLY COMPRISED OF DONATIONS TO 501(C)(3) CHARITABLE ORGANIZATIONS. WE DO NOT MONITOR HOW THE DONATED FUNDS ARE SPENT BY THE CHARITY. X X X 0 1 X X X X X 0 1 0 DAVID A PRETER PRESIDENT / CEO 555093 0 771997 0 26194 0 331194 0 34589 0 1719067 0 500000 0 ERIC S BROOME CHIEF OPERATIONS OFFICER 272400 0 330148 0 2381 0 136169 0 29973 0 771071 0 250000 0 JOHN J CAREW III CHIEF STRATEGIC OFFICER 277615 0 107253 0 2322 0 146610 0 45831 0 579631 0 0 0 KELLY M GARMON CHIEF MEMBERSHIP OFFICER 288071 0 103277 0 12882 0 99031 0 42021 0 545282 0 0 0 CINDY R BOYLES CHIEF TALENT OFFICER 224364 0 85586 0 12351 0 128293 0 45168 0 495762 0 0 0 GREGORY L GIBSON CHIEF FINANCIAL OFFICER 258799 0 88578 0 3564 0 48962 0 28083 0 427986 0 0 0 RALPH E HAWORTH DIRECTOR SBA/USDA LENDING 136114 0 167153 0 35101 0 19688 0 20110 0 378166 0 0 0 DREW A PUTT CHIEF BUSINESS OFFICER 227578 0 54257 0 2290 0 44338 0 23472 0 351935 0 0 0 AARON W CRAIG DIRECTOR OF MORTGAGE AND INDIRECT SA 39980 0 255018 0 5101 0 12911 0 11937 0 324947 0 0 0 BONNIE KIMMEY FORMER CHIEF OPERATIONS OFFICER 0 0 258437 0 2415 0 39462 0 0 0 300314 0 0 0 MATTHEW F HAVICE PRINCIPAL RISK OFFICER & GENERAL COU 198790 0 52648 0 540 0 21420 0 13551 0 286949 0 0 0 KENNETH D BREHM SVP, OPERATIONS 192478 0 39556 0 2322 0 21572 0 23590 0 279518 0 0 0 KEVAN T WILLIAMSON PRINCIPAL ENTERPRISE TECHNOLOGY OFFI 185570 0 48465 0 540 0 14298 0 22216 0 271089 0 0 0 LORENZO L BROWN VP, STRATEGIC TECHNICAL SOLUTIONS 176231 0 32507 0 8406 0 21463 0 22591 0 261198 0 0 0 JANET F LAMBERT MORTGAGE LOAN ORIGINATOR 44880 0 172638 0 899 0 14104 0 18513 0 251034 0 0 0 CHRISTIN K HEWITT SENIOR CREDIT OFFICER 176299 0 32853 0 810 0 20904 0 17035 0 247901 0 0 0 TERESA L MARTIN PRINCIPAL ACCOUNTING OFFICER 163882 0 30690 0 951 0 20577 0 28409 0 244509 0 0 0 MICHAEL D STONE VP, MEMBER BUSINESS LENDING 168679 0 30658 0 532 0 20661 0 16147 0 236677 0 0 0 DAVID A MARLOWE PRINCIPAL MARKET DEVELOPMENT OFFICER 170996 0 30037 0 7645 0 9439 0 18138 0 236255 0 0 0 ELIZABETH W BALDWIN PRIVATE BANKING RELATIONSHIP MANAGER 102404 0 99165 0 1331 0 13889 0 13757 0 230546 0 0 0 MICHAEL S MASSEY PRINCIPAL PRODUCT STRATEGY OFFICER 154483 0 28425 0 1205 0 16534 0 23145 0 223792 0 0 0 LAURA I STERLING VP, MARKETING 147822 0 34075 0 733 0 18321 0 16852 0 217803 0 0 0 ANTHONY L STRIPLING VP, PRIVATE BANKING 144698 0 27117 0 1150 0 16692 0 22624 0 212281 0 0 0 RODNEY D COWAN VP INTERNAL AUDIT & DIVERSITY AND IN 140610 0 33256 0 1061 0 17906 0 18524 0 211357 0 0 0 LEE D NORRIS VP, FACILITIES & REAL ESTATE 145361 0 29442 0 3111 0 16578 0 16733 0 211225 0 0 0 TODD A LAMBRIGHT VP, RETAIL SALES 183933 0 10268 0 3379 0 9171 0 2858 0 209609 0 0 0 DINA HAIRSTON VP, BUSINESS DEVELOPMENT 124917 0 35545 0 7122 0 14334 0 15301 0 197219 0 0 0 JAMES V BRYSON VP, BUSINESS SERVICES 128395 0 20938 0 1015 0 16323 0 22664 0 189335 0 0 0 PART I, LINE 1A RICHARD E BURNS (DIRECTOR) - $2,000 TRAVEL FOR COMPANIONS INCLUDED IN COMPENSATION DAVID A PRETER (CEO/PRESIDENT) - HEALTH/SOCIAL CLUB DUES PART I, LINE 1B THERE IS NO WRITTEN, BOARD APPROVED, POLICY COVERING THE PAYMENT OF DIRECTOR SPOUSE TRAVEL. WHEN SUCH PAYMENTS OCCUR THEY ARE INCLUDED IN TAXABLE COMPENSATION. THERE IS NO WRITTEN, BOARD APPROVED, POLICY COVERING HEALTH/SOCIAL CLUB DUES PAID FOR CEO/PRESIDENT. HOWEVER, IT IS ADDRESSED IN HIS EMPLOYMENT CONTRACT WHICH WAS SIGNED BY THE BOARD. PART I, LINE 4B DAVID A PRETER - PARTICIPATED IN 457F PLAN - 2019 ACCRUAL $237,634 - 2019 PAYOUT $500,000 KELLY GARMON - PARTICIPATED IN 457F PLAN - 2019 ACCRUAL $56,086 JOHN J CAREW III - PARTICIPATED IN 457F PLAN - 2019 ACCRUAL $92,195 ERIC BROOME - PARTICIPATED IN 457F PLAN - 2019 ACCRUAL $90,569 - 2019 PAYOUT $250,000 CINDY R BOYLES - PARTICIPATED IN 457F PLAN - 2019 ACCRUAL $81,371 DAVID PRETER PRESIDENT/CEO SPLIT-DOLLAR LIFE INSURANCE UNDER REG. 1.7872-15 X 7801230 6274885 0 1 1 KELLY GARMON CMO SPLIT-DOLLAR LIFE INSURANCE UNDER REG. 1.7872-15 X 2194815 2224477 0 1 1 GREG GIBSON CFO SPLIT-DOLLAR LIFE INSURANCE UNDER REG. 1.7872-15 X 2900000 2937569 0 1 1 WILLIAM LUSK FORMER CFO SPLIT-DOLLAR LIFE INSURANCE UNDER REG. 1.7872-15 X 1461154 1499679 0 1 1 TERESA MARTIN VP - PRINCIPAL ACCOUNTING OFFICER SPLIT-DOLLAR LIFE INSURANCE UNDER REG. 1.7872-15 X 950000 954493 0 1 1 MATT HAVICE PRINCIPAL RISK OFFICER & GENERAL COUNSEL SPLIT-DOLLAR LIFE INSURANCE UNDER REG. 1.7872-15 X 450000 450000 0 1 1 CHRISTIN HEWITT SENIOR CREDIT OFFICER SPLIT-DOLLAR LIFE INSURANCE UNDER REG. 1.7872-15 X 600000 600000 0 1 1 LAURA KING SVP, RETAIL SALES SPLIT-DOLLAR LIFE INSURANCE UNDER REG. 1.7872-15 X 900000 900000 0 1 1 KEVAN WILLIAMSON PRINCIPAL ENTERPRISE TECHNOLOGY OFFICER SPLIT-DOLLAR LIFE INSURANCE UNDER REG. 1.7872-15 X 450000 450000 0 1 1 16291103 DAVID DICKEY BOARD MEMBER 645000 CU BOARD MEMBER, DAVID DICKEY, IS RELATED TO DICKEY BROADCASTING (BOARD MEMBER). THE CU CONDUCTS MARKETING, ADVERSTISING AND BRANDING BUSINESS WITH THIS ENTITY. 0 SCHEDULE L, PART II NOTED THESE TO BE NON-RECOURSE PLANS THAT ARE RECORDED ON THE BALANCE SHEET AT THE LOWER OF LOAN BALANCE OR CASH CURRENDER VALUE. BECAUSE THE CASH SURRRENDER VALUES WERE LOWER, WE REPORTED THE AMOUNT OF 16,291,103 FOR BALANCE SHEET PURPOSES. HOWEVER, THE ACTUAL LOAN BALANCES ARE $17,570,542 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 182,766 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS IN OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS. FORM 990, PART VI, SECTION A, LINE 7A CURRENT MEMBERS MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY. FORM 990, PART VI, SECTION A, LINE 7B DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL OF MEMBERS. THESE DECISIONS MAY ALSO BE SUBJECT TO SCRUTINY BY VARIOUS GOVERNMENTAL AGENCIES. FORM 990, PART VI, SECTION B, LINE 11B FORM 990 IS REVIEWED BY BOTH THE CREDIT UNION'S CFO AND SVP OF ACCOUNTING AFTER BEING PREPARED BY THE CPA FIRM. FORM 990, PART VI, SECTION B, LINE 12C CONFLICT OF INTEREST POLICY IS REGULARLY AND CONSISTENTLY MONITORED AND ENFORCED BY THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 15 THE CREDIT UNION USES MCLAGAN, AN AON HEWITT COMPANY, TO CONSULT REGARDING COMPENSATION PRACTICES. THE CREDIT UNION PARTICIPATES IN AND PURCHASES SEVERAL COMPENSATION STUDIES, AND MCLAGAN ANALYZES THE DATA AND PROVIDES A WRITTEN REPORT TO THE COMPENSATION COMMITTEE OF THE BOARD. THIS INFORMATION IS PROVIDED ANNUALLY RELATED TO THE CEO, MOST RECENTLY IN 2019, AND BI-ENNIALLY RELATED TO OTHER OFFICERS, MOST RECENTLY IN 2019. THE COMPENSATION COMMITTEE RECOMMENDS AND APPROVES SALARY CHANGES FOR THE CEO, AND REVIEWS THE CEO'S DECISIONS FOR OTHER OFFICERS ANNUALLY. COMPENSATION OF KEY EMPLOYEES IS SUBJECT TO REVIEW AND APPROVAL OF THE CEO. FORM 990, PART VI, SECTION C, LINE 19 GOVERNING DOCUMENTS ARE MADE AVAILABLE TO MEMBERS UPON REQUEST. FORM 990, PART XI, LINE 9: OTHER COMPREHENSIVE INCOME -4,577,635. ROUNDING 1. FORM 990, PART XII, LINE 2C: THIS PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR. FORM 990 AMENDED RETURN STATEMENT TAXPAYER IS AMENDING THEIR 2019 TAX RETURN TO INCLUDE BONNIE KIMMEY, A FORMER OFFIER, ON FORM 990 VII, WHO WAS INADVERTENLY MISSED ON THE ORIGINALLY FILED TAX RETURN. TAXPAYER IS ALSO AMENDING TO REPORT THE CORRECT AMOUNT OF OFFICE EXPENSES ON FORM 990 PART IX. THE INCORRECT AMOUNT WAS INADVERTENLY REPORTED. GEORGIA'S OWN FOUNDATION INC 1155 PEACHTREE ST ATLANTA GA 30309 474818845 CHARITY GA 501(C)(3) LINE 7 GEORGIA'S OWN CREDIT UNION 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 1 0 1 0 0 GEORGIA'S OWN FOUNDATION INC B 232348 FMV