2014-07-03T13:50:46-05:00 2013-12-31 582019486 SANTI & ASSOCIATES PC 4010 OLD MILTON PKWY STE 100 ALPHARETTA GA 300053423 990 2013-01-01 580147128 GEORGIA'S OWN CREDIT UNION GEOR 4048741166 PO BOX 105205 ATLANTA GA 30348 DAVID A PRETER PRESIDENT/CEO 4048741166 2014-06-04 true ROGER A SANTI CPA P00121054 7706234440 2014-07-03 2013 2015-11-30 17:44:51Z 85347777 false X WWW.GEORGIASOWN.ORG X 1943 GA TO PROVIDE THRIFT SAVING/BORROWING TO MEMBER-OWNED COOPERATIVE. 11 10 482 2 1303982 -651775 0 84732743 84043795 0 1652741 1303982 86385484 85347777 18500 18500 0 28226672 29349621 0 0 51874273 47987543 80119445 77355664 6266039 7992113 1728837789 1777033643 1555867888 1592007559 172969901 185026084 TO PROVIDE THRIFT SAVING/BORROWING TO MEMBER-OWNED COOPERATIVE. false false 75399907 18500 84043795 PROVIDED THRIFT SAVINGS/BORROWINGS TO 175,508 MEMBERS. 75399907 false false false false false false false true false true false false false true false true false false false false false false false false false false false true true false false false false false true false false false false false false false false true 100 0 true 482 true true true false false false false false X 11 10 false false false false true true true true true false true true false true true true true true true true false GA X GEORGIA'S OWN CREDIT UNION 4048812158 P O BOX 105205 ATLANTA GA 30348 DAVID PRETER PRES/CEO & B 40.00 X X 536338 0 389940 JOSEPH M MAURIELLO DIRECTOR 1.00 X 9250 0 0 WILLIAM E CONINE DIRECTOR 1.00 X 8150 0 0 DAVID DICKEY DIRECTOR 1.00 X 7750 0 0 MICHAEL W BAUMGARTNER DIRECTOR 1.00 X 7750 0 0 PATRICK H CASEY DIRECTOR 1.00 X 7750 0 0 JAMES L FOWLER DIRECTOR 1.00 X 7750 0 0 JOAN K SIMS SECRETARY 1.00 X 7750 0 0 ERVIN M WALKER DIRECTOR 1.00 X 7750 0 0 RICHARD E BURNS DIRECTOR 1.00 X 7750 0 0 GARY M LUDGOOD DIRECTOR 1.00 X 7750 0 0 JOHN B WHITE JR DIRECTOR EME 1.00 X 5850 0 0 C EDWARD HEATH DIRECTOR EME 1.00 X 750 0 0 DWIGHT AUSTION DIRECTOR 1.00 X 300 0 0 DENNIS W FOX DIRECTOR 1.00 X 200 0 0 WILLIAM LUSK COO 40.00 X 327747 0 46484 JOHN CAREW III SVP STRATEGY 40.00 X 295256 0 53814 KELLY M GARMON CMO 40.00 X 276312 0 37799 BONNIE J KIMMEY SVP LENDING 40.00 X 214550 0 180984 ERIC BROOME SVP ERM/GEN 40.00 X 208067 0 26474 CINDY BOYLES SVP ORG DEV 40.00 X 206754 0 28446 LORENZO BROWN VP OF IS & P 40.00 X 165254 0 28108 MICHAEL STONE PRIN SYNDIC 40.00 X 120271 0 28154 GREG COOK PRODUCT MGR 40.00 X 110521 0 13976 JULIA LAUER PRODUCT MGR 40.00 X 109846 0 23708 RICHARD ELLIS AVP COMPL/FR 40.00 X 109574 0 20419 J BRAD BOLLIER AVP BS LENDI 40.00 X 105920 0 18784 2872910 897090 13 false true false MACEY WILENSKY KESSLER & HENNINGS 230 PEACHTREE ST NW STE 2700 ATLANTA GA 303031561 LEGAL 288790 ALM FIRST FINANCIAL ADVISORS LLC 2911 TURTLE CREEK BLVD STE 500 DALLAS TX 75219 CONSULTING SVC 238329 THE EMMERICH GROUP INC 8050 WASHINGTON AVE S STE 100 EDEN PRAIRIE MN 55344 CONSULTING SVC 225012 DAWN G SIRRAS 2460 BUTE CLIFF TRACE CUMMING GA 30041 CONSULTING SVC 166495 QVERSAL FINANCIAL SOLUTIONS LLC 1504 E WALNUT SPRINGFIELD MO 65802 CONSULTING SVC 150449 6 INTEREST ON LOANS 54787244 54787244 CHECKING SERVICES INCOME 10558933 10558933 VISA DEBIT CARD INCOME 7160414 7160414 VISA CREDIT CARD INCOME 3272361 3272361 INTEREST ON INVESTMENTS 2901803 2901803 5363040 5363040 84043795 SHARED SERVICE CENTERS 525990 850034 850034 MECHANICAL REPAIR CONTRACTS 525990 271296 271296 NON-MEMBER USE OF ATM 525990 182652 182652 1303982 85347777 84043795 1303982 18500 18500 2316777 2316777 18347202 17239691 1107511 4484974 4484974 2637730 2170670 467060 1562938 1562938 7746273 7746273 131068 131068 286908 286908 4768662 4760504 8158 5492239 5436462 55777 4287260 4143606 143654 6113290 6113290 1651859 1651859 PROVISION FOR LOAN LOSSES 9000000 9000000 LOAN SERVICING 5748829 5748829 NCUSIF MEMBER PROTECTION 1237556 1196883 40673 OPERATIONAL & FRAUD LOSS 586102 586102 937497 804573 132924 77355664 75399907 1955757 0 177609899 201875601 1202007594 1349673130 2000000 2000000 24721994 40829038 27336475 11308370 16458648 16028105 286316990 146993521 19722664 19634248 1728837789 1777033643 1555867888 1592007559 1555867888 1592007559 X 143747191 155803374 29222710 29222710 172969901 185026084 1728837789 1777033643 7992113 4064070 X false true X true false false false 5499015 5499015 7625150 1322229 6302921 2458385 1774389 683996 5341740 4188743 1152997 6412185 4023009 2389176 16028105 MEMBERS' ACCTS - CKING, MMA, SAVINGS 1089067521 MEMBERS' ACCTS - CERTIFICATES & IRAS 480629641 OTHER LIABILITIES 22303873 ACCRUED INTEREST PAYABLE 6524 1592007559 85347777 85347777 85347777 77355664 77355664 77355664 false SCHOLARSHIPS 10 18500 X X false true X X X X X false true false DAVID PRETER PRES/CEO & BOARD MBR 432100 100359 3879 362002 27938 926278 WILLIAM LUSK COO 286241 41500 6 26556 19928 374231 JOHN CAREW III SVP STRATEGY 257500 37750 6 26756 27058 349070 KELLY M GARMON CMO 236306 34000 6006 17597 20202 314111 BONNIE J KIMMEY SVP LENDING 166556 26034 21960 159354 21630 395534 ERIC BROOME SVP ERM/GEN COUNSEL 181563 26500 4 18965 7509 234541 CINDY BOYLES SVP ORG DEV 180250 26500 4 14547 13899 235200 LORENZO BROWN VP OF IS & PMO 160000 5250 4 20741 7367 193362 SCHEDULE J, PAGE 1, PART I, LINE 1B THERE IS NO WRITTEN, BOARD APPROVED, POLICY COVERING THESE ITEMS. THE HEALTH/SOCIAL CLUB DUES PAID FOR CEO/PRESIDENT ARE ADDRESSED IN HIS EMPLOYMENT CONTRACT (SIGNED BY THE BOARD) AND THE PAYMENT OF DIRECTOR COMPANION TRAVEL IS REPORTED/APPROVED BY THE BOARD BUT IS NOT ADDRESSED IN A POLICY. SCHEDULE J, PAGE 1, PART I, LINE 4 DAVID PRETER 0 335,363 0 DICKEY BROADCASTING BOARD MEMBER 707656 ADVERTISING false CUMULUS MEDIA STOCKHOLDER 469342 ADVERTISING false DM LUXURY STOCKHOLDER 210580 ADVERTISING false FORM 990, PAGE 6, PART VI, LINE 6 ORGANIZED WITH 175,508 MEMBERS FORM 990, PAGE 6, PART VI, LINE 7A CURRENT MEMBERS MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY. FORM 990, PAGE 6, PART VI, 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, PAGE 6, PART VI, LINE 11B FORM 990 IS REVIEWED BY THE CREDIT UNION'S CHIEF OPERATING OFFICER AFTER BEING PREPARED BY THE CPA FIRM. FORM 990, PAGE 6, PART VI, LINE 12C CONFLICT OF INTEREST POLICY IS REGULARLY AND CONSISTENTLY MONITORED AND ENFORCED BY GOVERNING BODY. FORM 990, PAGE 6, PART VI, LINE 15A COMPENSATION OF CEO, EXEC DIRECTOR AND TOP MANAGEMENT IS SUBJECT TO REVIEW AND APPROVAL PROCESS OF GOVERNING BODY. FORM 990, PAGE 6, PART VI, LINE 15B COMPENSATION OF OFFICERS AND KEY EMPLOYEES IS SUBJECT TO REVIEW AND APPROVAL PROCESS OF GOVERNING BODY. FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS ARE MADE AVAILABLE TO MEMBERS UPON REQUEST. FORM 990, PART XI, LINE 9 POSTRETIREMENT BENEFIT ADJUSTMENT 1,836,019 NET CHANGE-UNREALIZED FMV ON INVESTMENTS -1,229,269 PENSION ADJUSTMENT 3,457,320