2013-07-25T10:38:50-05:00 2012-12-31 SANTI & ASSOCIATES PC 3970 OLD MILTON PKWY STE 200 ALPHARETTA GA 30005 990 2012-01-01 580147128 GEORGIA'S OWN CREDIT UNION GEOR 4048741166 PO BOX 105205 ATLANTA GA 30348 DAVID A PRETER 4048741166 2013-07-15 true ROGER A SANTI CPA 7706234440 2013-07-25 2012 2016-02-24 21:20:13Z 86385484 false X WWW.GEORGIASOWN.ORG X GA TO PROVIDE THRIFT SAVING/BORROWING TO MEMBER-OWNED COOPERATIVE. 11 10 476 1652741 -835232 0 84856068 84732743 0 1227393 1652741 86083461 86385484 15000 18500 0 24499613 28226672 0 0 53728615 51874273 78243228 80119445 7840233 6266039 1663262419 1728837789 1496819732 1555867888 166442687 172969901 TO PROVIDE THRIFT SAVING/BORROWING TO MEMBER-OWNED COOPERATIVE. false false 77631472 18500 84732743 PROVIDED THRIFT SAVINGS/BORROWINGS TO 172,666 MEMBERS. 77631472 false false false false false false false false 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 108 0 true 476 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 40.00 X X 477254 0 43520 JOSEPH M MAURIELLO 1.00 X 7300 0 0 WILLIAM E CONINE 1.00 X 6500 0 0 MICHAEL W BAUMGARTNER 1.00 X 6100 0 0 PATRICK H CASEY 1.00 X 6100 0 0 JAMES L FOWLER 1.00 X 6100 0 0 JOAN K SIMS 1.00 X 6100 0 0 ERVIN M WALKER 1.00 X 6100 0 0 RICHARD E BURNS 1.00 X 6100 0 0 GARY M LUDGOOD 1.00 X 6100 0 0 DAVID DICKEY 1.00 X 4600 0 0 JOHN B WHITE JR 1.00 X 4600 0 0 C EDWARD HEATH 1.00 X 2000 0 0 DENNIS W FOX 1.00 X 200 0 0 DWIGHT AUSTION 1.00 X 200 0 0 WILLIAM LUSK 40.00 X 304254 0 31188 JOHN CAREW III 40.00 X 275067 0 35378 KELLY M GARMON 40.00 X 251254 0 34999 ERIC BROOME 40.00 X 187004 0 21905 CINDY BOYLES 40.00 X 187004 0 27437 BONNIE J KIMMEY 40.00 X 174254 0 93888 JOEL HERRON 40.00 X 139004 0 14676 KEITH A ECK 40.00 X 138359 0 18636 HAL F ALLEN 40.00 X 117397 0 45838 MADELINE STRACHAN 40.00 X 109568 0 11629 RICHARD ELLIS 40.00 X 105617 0 14954 2534136 394048 12 false true false MACEY WILENSKY KESSLER & HENNINGS 230 PEACHTREE ST NW STE 2700 ATLANTA GA 303031561 LEGAL 348578 QVERSAL FINANCIAL SOLUTIONS LLC 1504 E WALNUT SPRINGFIELD MO 65802 CONSULTING SVC 221859 NEXT STEP INTERNATIONAL INC 4630 S KIRKMAN RD 612 ORLANDO FL 32811 CONSULTING SVC 172932 DAWN G SIRRAS 2460 BUTE CLIFF TRACE CUMMING GA 30041 CONSULTING SVC 165157 SANTI & ASSOCIATES PC 3970 OLD MILTON PKWY STE 200 ALPHARETTA GA 30005 ACCOUNTING SVC 122751 5 INTEREST ON LOANS 56109318 56109318 CHECKING SERVICES INCOME 11003111 11003111 VISA DEBIT CARD INCOME 6080276 6080276 INTEREST ON INVESTMENTS 4230386 4230386 VISA CREDIT CARD INCOME 2992637 2992637 4317015 4317015 84732743 SHARED SERVICE CENTERS 525990 833230 833230 NON-MEMBER USE OF ATM 525990 644843 644843 AUTO WARRANTY SALES 525990 174668 174668 1652741 86385484 84732743 1652741 18500 18500 1924191 1924191 17109720 16344129 765591 5400876 5400876 2337089 2246687 90402 1454796 1454796 7963776 6593862 1369914 282447 275397 7050 216518 216518 4449725 4425831 23894 5697887 5632090 65797 4494418 4349694 144724 7829930 7829930 1648176 1648176 PROVISION FOR LOAN LOSSES 10200000 10200000 LOAN SERVICING 5647650 5647650 CORP CU STABILIZATION 1438527 1438527 OPERATIONAL & FRAUD LOSS 1108185 1108185 897034 876433 20601 80119445 77631472 2487973 0 210301446 177609899 1105871548 1202007594 2000000 2000000 32133305 24721994 26326915 9868267 16110407 16458648 277936562 286316990 18909151 19722664 1663262419 1728837789 1496819732 1555867888 1496819732 1555867888 X 137219977 143747191 29222710 29222710 166442687 172969901 1663262419 1728837789 6266039 261175 X false true X true false 5500389 5500389 7550298 1109796 6440502 2054516 1550491 504025 4915470 3690329 1225141 6306242 3517651 2788591 16458648 MEMBERS' ACCTS - CKING, MMA, SAVINGS 1010934660 MEMBERS' ACCTS - CERTIFICATES & IRAS 523104235 OTHER LIABILITIES 21818956 ACCRUED INTEREST PAYABLE 10037 1555867888 86385484 86385484 86385484 80119445 80119445 80119445 false SCHOLARSHIPS 1 5000 SCHOLARSHIPS 1 3000 SCHOLARSHIPS 1 2000 SCHOLARSHIPS 5 5000 SCHOLARSHIPS 2 3500 X X true true X X X X X false true false DAVID PRETER 397000 80000 254 21553 21967 520774 WILLIAM LUSK 275000 29000 254 17361 13827 335442 JOHN CAREW III 246313 28500 254 14421 20957 310445 KELLY M GARMON 220000 25000 6254 14998 20001 286253 ERIC BROOME 168750 18000 254 14522 7383 208909 CINDY BOYLES 168750 18000 254 13828 13609 214441 BONNIE J KIMMEY 159000 15000 254 72531 21357 268142 JOEL HERRON 128750 10000 254 7931 6745 153680 KEITH A ECK 130605 7500 254 11639 6997 156995 HAL F ALLEN 112132 5000 265 30378 15460 163235 SEVERANCE, NONQUALIFIED, AND EQUITY-BASED PAYMENTS SCHEDULE J, PAGE 1, PART I, LINE 4 DAVID PRETER 0 317,880 0 DICKEY BROADCASTING (DAVID DICKEY) BOARD MEMBER 554565 ADVERTISING false CLASSES OF MEMBERS OR STOCKHOLDERS FORM 990, PAGE 6, PART VI, LINE 6 ORGANIZED WITH 172,666 MEMBERS ELECTION OF MEMBERS AND THEIR RIGHTS FORM 990, PAGE 6, PART VI, LINE 7A CURRENT MEMBERS MAY ELECT ONE OR MORE MEMBERS OF THE GOVERNING BODY. DECISIONS SUBJECT TO APPROVAL OF MEMBERS 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. ORGANIZATION'S PROCESS USED TO REVIEW FORM 990 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. ENFORCEMENT OF CONFLICTS POLICY FORM 990, PAGE 6, PART VI, LINE 12C CONFLICT OF INTEREST POLICY IS REGULARLY AND CONSISTENTLY MONITORED AND ENFORCED BY GOVERNING BODY. COMPENSATION PROCESS FOR TOP OFFICIAL 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. COMPENSATION PROCESS FOR OFFICERS FORM 990, PAGE 6, PART VI, LINE 15B COMPENSATION OF OFFICERS AND KEY EMPLOYEES IS SUBJECT TO REVIEW AND APPROVAL PROCESS OF GOVERNING BODY. GOVERNING DOCUMENTS DISCLOSURE EXPLANATION FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS ARE MADE AVAILABLE TO MEMBERS UPON REQUEST. OTHER CHANGES IN NET ASSETS EXPLANATION FORM 990, PART XI, LINE 9 POSTRETIREMENT BENEFIT ADJUSTMENT 1,644,634 NET CHANGE-UNREALIZED FMV ON INVESTMENTS 336,645 PENSION ADJUSTMENT -1,720,104