COMBINED EMPLOYEES CREDIT UNION: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization
COMBINED EMPLOYEES CREDIT UNION (EIN 58-1123738)
Tax period
2025-01-01 to 2025-12-31
Filed
2026-05-11
IRS object ID
202621319349302742
Schema version
2025v4.0
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 ReturnHeader

FieldValueIRS element (for citing)
Return2026-05-11T13:31:39-04:00ReturnTs
Tax Period End2025-12-31TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN580653763PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1BUTLER WILLIAMS & WYCHE LLPBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line15223 RIVERSIDE DR SUITE 102AddressLine1Txt
CityMACONCityNm
State AbbreviationGAStateAbbreviationCd
ZIP31210ZIPCd
FieldValueIRS element (for citing)
Return Type990ReturnTypeCd
Tax Period Begin2025-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN581123738EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1COMBINED EMPLOYEES CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlCOMBBusinessNameControlTxt
Phone4789295700PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1593 RUSSELL PARKWAYAddressLine1Txt
CityWARNER ROBINSCityNm
State AbbreviationGAStateAbbreviationCd
ZIP31088ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonROBERT T GLORE JRPersonNm
Person TitleCEOPersonTitleTxt
Phone4789295700PhoneNum
Signature2026-05-11SignatureDt
Discuss With Paid PreparerYes (true)DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
Preparer PersonAMY S REDPreparerPersonNm
PTINP00432227PTIN
Phone4787423676PhoneNum
Preparation2026-05-11PreparationDt
FieldValueIRS element (for citing)
Tax2025TaxYr
Build TS2025-03-06 01:10:19ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Principal OfficerROBERT T GLORE JRPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line1593 RUSSELL PARKWAYAddressLine1Txt
CityWARNER ROBINSCityNm
State AbbreviationGAStateAbbreviationCd
ZIP31088ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$1,357,485GrossReceiptsAmt
Group Return For AffiliatesfalseGroupReturnForAffiliatesInd
Organization501cYes (X)Organization501cInd
Website AddressN/AWebsiteAddressTxt
Type Of Organization CorpYes (X)TypeOfOrganizationCorpInd
Formation1969FormationYr
Legal Domicile StateGALegalDomicileStateCd
Activity Or MissionSTATE CHARTERED CREDIT UNION.ActivityOrMissionDesc
Voting Members Governing Body9VotingMembersGoverningBodyCnt
Voting Members Independent9VotingMembersIndependentCnt
Total Employee11TotalEmployeeCnt
Total Volunteers9TotalVolunteersCnt
Total Gross UBI$0TotalGrossUBIAmt
CY Contributions Grants$15,338CYContributionsGrantsAmt
PY Program Service Revenue$1,154,259PYProgramServiceRevenueAmt
CY Program Service Revenue$1,256,447CYProgramServiceRevenueAmt
PY Investment Income$118,329PYInvestmentIncomeAmt
CY Investment Income$85,700CYInvestmentIncomeAmt
CY Other Revenue$0CYOtherRevenueAmt
PY Total Revenue$1,272,588PYTotalRevenueAmt
CY Total Revenue$1,357,485CYTotalRevenueAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
CY Benefits Paid To Members$0CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$513,130PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$560,715CYSalariesCompEmpBnftPaidAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$773,879PYOtherExpensesAmt
CY Other Expenses$701,131CYOtherExpensesAmt
PY Total Expenses$1,287,009PYTotalExpensesAmt
CY Total Expenses$1,261,846CYTotalExpensesAmt
PY Revenues Less Expenses-$14,421PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$95,639CYRevenuesLessExpensesAmt
Total Assets BOY$16,641,340TotalAssetsBOYAmt
Total Assets EOY$17,313,252TotalAssetsEOYAmt
Total Liabilities BOY$15,263,064TotalLiabilitiesBOYAmt
Total Liabilities EOY$15,839,337TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$1,378,276NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$1,473,915NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part IIIYes (X)InfoInScheduleOPartIIIInd
MissionSTATE CHARTERED CREDIT UNION.MissionDesc
Significant New Program SrvcfalseSignificantNewProgramSrvcInd
Significant ChangefalseSignificantChangeInd
DescPROVIDE CREDIT UNION SERVICESDesc

Prog Srvc Accom Acty Other ProgSrvcAccomActyOtherGrp

FieldValueIRS element (for citing)
DescPROVIDE CREDIT UNION SERVICES.Desc
FieldValueIRS element (for citing)
Described In Section501c3falseDescribedInSection501c3Ind
Schedule B RequiredfalseScheduleBRequiredInd
Political Campaign ActyfalsePoliticalCampaignActyInd
Subject To Proxy TaxfalseSubjectToProxyTaxInd
Donor Advised FundfalseDonorAdvisedFundInd
Conservation EasementsfalseConservationEasementsInd
Collections Of ArtfalseCollectionsOfArtInd
Credit CounselingfalseCreditCounselingInd
Donor Rstr Or Quasi EndowmentsfalseDonorRstrOrQuasiEndowmentsInd
Report Land Building EquipmentYes (true)ReportLandBuildingEquipmentInd
Report Investments Other SecfalseReportInvestmentsOtherSecInd
Report Program Related InvstfalseReportProgramRelatedInvstInd
Report Other AssetsfalseReportOtherAssetsInd
Report Other LiabilitiesYes (true)ReportOtherLiabilitiesInd
Include FIN48 FootnotefalseIncludeFIN48FootnoteInd
Independent Audit Fincl StmtfalseIndependentAuditFinclStmtInd
Consolidated Audit Fincl StmtfalseConsolidatedAuditFinclStmtInd
School OperatingfalseSchoolOperatingInd
Foreign OfficefalseForeignOfficeInd
Foreign ActivitiesfalseForeignActivitiesInd
More Than5000 K To OrgfalseMoreThan5000KToOrgInd
More Than5000 K To IndividualsfalseMoreThan5000KToIndividualsInd
Professional FundraisingfalseProfessionalFundraisingInd
Fundraising ActivitiesfalseFundraisingActivitiesInd
Gaming ActivitiesfalseGamingActivitiesInd
Operate HospitalfalseOperateHospitalInd
Grants To OrganizationsfalseGrantsToOrganizationsInd
Grants To IndividualsfalseGrantsToIndividualsInd
Schedule J RequiredfalseScheduleJRequiredInd
Tax Exempt BondsfalseTaxExemptBondsInd
Loan OutstandingfalseLoanOutstandingInd
Grant To Related PersonfalseGrantToRelatedPersonInd
Business Rln With Org MemfalseBusinessRlnWithOrgMemInd
Business Rln With Fam MemfalseBusinessRlnWithFamMemInd
Business Rln With35 Ctrl EntfalseBusinessRlnWith35CtrlEntInd
Deductible Non Cash ContrifalseDeductibleNonCashContriInd
Deductible Art ContributionfalseDeductibleArtContributionInd
Terminate OperationsfalseTerminateOperationsInd
Partial LiquidationfalsePartialLiquidationInd
Disregarded EntityfalseDisregardedEntityInd
Related EntityfalseRelatedEntityInd
Related Organization Ctrl EntfalseRelatedOrganizationCtrlEntInd
Activities Conducted PrtshpfalseActivitiesConductedPrtshpInd
Schedule O RequiredYes (true)ScheduleORequiredInd
IRP Document599IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Employee11EmployeeCnt
Employment Tax Returns FiledYes (true)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitfalseUnrelatedBusIncmOverLimitInd
Foreign Financial AccountfalseForeignFinancialAccountInd
Prohibited Tax Shelter TransfalseProhibitedTaxShelterTransInd
Taxable Party NotificationfalseTaxablePartyNotificationInd
Nondeductible ContributionsfalseNondeductibleContributionsInd
Indoor Tanning ServicesfalseIndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht PymtfalseSubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst IncfalseSubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members9GoverningBodyVotingMembersCnt
Independent Voting Member9IndependentVotingMemberCnt
Family Or Business RlnfalseFamilyOrBusinessRlnInd
Delegation Of Mgmt DutiesfalseDelegationOfMgmtDutiesInd
Change To Org DocumentsfalseChangeToOrgDocumentsInd
Material Diversion Or MisusefalseMaterialDiversionOrMisuseInd
Members Or StockholdersfalseMembersOrStockholdersInd
Election Of Board MembersfalseElectionOfBoardMembersInd
Decisions Subject To ApprovafalseDecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (true)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (true)MinutesOfCommitteesInd
Officer Mailing AddressfalseOfficerMailingAddressInd
Local ChaptersfalseLocalChaptersInd
Form990 Provided To Gvrn BodyfalseForm990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyfalseConflictOfInterestPolicyInd
Whistleblower PolicyfalseWhistleblowerPolicyInd
Document Retention PolicyfalseDocumentRetentionPolicyInd
Compensation Process CEOfalseCompensationProcessCEOInd
Compensation Process OtherfalseCompensationProcessOtherInd
Investment In Joint VenturefalseInvestmentInJointVentureInd
States Where Copy Of Return Is FldGAStatesWhereCopyOfReturnIsFldCd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1COMBINED EMPLOYEES CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Phone4789295700PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line1593 RUSSELL PARKWAYAddressLine1Txt
CityWARNER ROBINSCityNm
State AbbreviationGAStateAbbreviationCd
ZIP31088ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (10 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtOfficerOfficerIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorInd
ROBERT T GLORE JR
CEO40.00Yes (X)$117,606$0$0
JOSEPH ANTHONY BOYST
DIRECTOR$0$0$0Yes (X)
ANDREW EDWARDS
DIRECTORYes (X)$0$0$0Yes (X)
DARIN MEADOWS
DIRECTOR$0$0$0Yes (X)
CHARLIE SCOTT
DIRECTOR$0$0$0Yes (X)
LAWRENCE SPURGEON
DIRECTOR$0$0$0Yes (X)
RANDALL BANKS
SECRETARYYes (X)$0$0$0
RICKY HARLOW
CHAIRMANYes (X)$0$0$0
CHARLES HOLT JR
VICE CHAIRMAYes (X)$0$0$0
JAMES THIGPEN
TREASURERYes (X)$0$0$0
FieldValueIRS element (for citing)
Total Reportable Comp From Org$117,606TotalReportableCompFromOrgAmt
Indiv Rcvd Greater Than100 K1IndivRcvdGreaterThan100KCnt
Former Ofcr Employees ListedfalseFormerOfcrEmployeesListedInd
Total Comp Greater Than150 KfalseTotalCompGreaterThan150KInd
Compensation From Other SrcsfalseCompensationFromOtherSrcsInd
Government Grants$15,338GovernmentGrantsAmt
Total Contributions$15,338TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDescTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
INTEREST ON LOANS$1,127,893$1,127,893
FEES$87,726$87,726
MISC. OPERATING INCOME$40,828$40,828
FieldValueIRS element (for citing)
Total Program Service Revenue$1,256,447TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$85,700TotalRevenueColumnAmt
Related Or Exempt Func Income$85,700RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$1,357,485TotalRevenueColumnAmt
Related Or Exempt Func Income$1,342,147RelatedOrExemptFuncIncomeAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

FieldValueIRS element (for citing)
Total$117,606TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$335,386TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

FieldValueIRS element (for citing)
Total$6,564TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

FieldValueIRS element (for citing)
Total$67,031TotalAmt

Payroll Taxes PayrollTaxesGrp

FieldValueIRS element (for citing)
Total$34,128TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

FieldValueIRS element (for citing)
Total$20,185TotalAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$10,040TotalAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$26,350TotalAmt

Information Technology InformationTechnologyGrp

FieldValueIRS element (for citing)
Total$79,590TotalAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$33,311TotalAmt

Travel TravelGrp

FieldValueIRS element (for citing)
Total$9,692TotalAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$35,282TotalAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$10,436TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDescTotalTotalAmt
DIVIDEND EXPENSE$291,259
CREDIT CARD FEES$32,442
PROVISIONS FOR LOAN LOSS$29,286
LOAN SERVICING EXPENSE$21,277

All Other Expenses AllOtherExpensesGrp

FieldValueIRS element (for citing)
Total$101,981TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$1,261,846TotalAmt
Program Services$0ProgramServicesAmt
Management And General$0ManagementAndGeneralAmt
Fundraising$0FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$118,017BOYAmt
EOY$354,573EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

FieldValueIRS element (for citing)
BOY$2,823,753BOYAmt
EOY$2,750,771EOYAmt

Accounts Receivable AccountsReceivableGrp

FieldValueIRS element (for citing)
BOY$12,998,278BOYAmt
EOY$13,519,189EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

FieldValueIRS element (for citing)
BOY$64,043BOYAmt
EOY$56,186EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$878,955LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$483,052LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$420,944BOYAmt
EOY$395,903EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$216,305BOYAmt
EOY$236,630EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$16,641,340BOYAmt
EOY$17,313,252EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$21,994BOYAmt
EOY$34,324EOYAmt

Other Liabilities OtherLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$15,241,070BOYAmt
EOY$15,805,013EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$15,263,064BOYAmt
EOY$15,839,337EOYAmt
FieldValueIRS element (for citing)
Organization Follows FASB117Yes (X)OrganizationFollowsFASB117Ind

No Donor Restriction Net Assets NoDonorRestrictionNetAssetsGrp

FieldValueIRS element (for citing)
BOY$1,378,276BOYAmt
EOY$1,473,915EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$1,378,276BOYAmt
EOY$1,473,915EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$16,641,340BOYAmt
EOY$17,313,252EOYAmt
FieldValueIRS element (for citing)
Reconcilation Revenue Expnss$95,639ReconcilationRevenueExpnssAmt
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or ReviewfalseAccountantCompileOrReviewInd
FS AuditedfalseFSAuditedInd

Schedule D IRS990ScheduleD

Land LandGrp

FieldValueIRS element (for citing)
Investment Cost Or Other Basis$173,657InvestmentCostOrOtherBasisAmt
Book Value$173,657BookValueAmt

Buildings BuildingsGrp

FieldValueIRS element (for citing)
Investment Cost Or Other Basis$526,552InvestmentCostOrOtherBasisAmt
Depreciation$324,144DepreciationAmt
Book Value$202,408BookValueAmt

Equipment EquipmentGrp

FieldValueIRS element (for citing)
Investment Cost Or Other Basis$178,746InvestmentCostOrOtherBasisAmt
Depreciation$158,908DepreciationAmt
Book Value$19,838BookValueAmt
FieldValueIRS element (for citing)
Total Book Value Land Buildings$395,903TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

FieldValueIRS element (for citing)
DescMEMBER DEPOSITSDesc
Amt$15,805,013Amt
FieldValueIRS element (for citing)
Total Liability$15,805,013TotalLiabilityAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (3 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990, PAGE 2, PART III, LINE 4DPROVIDE CREDIT UNION SERVICES.
FORM 990, PAGE 6, PART VI, LINE 11BNO REVIEW WAS OR WILL BE CONDUCTED.
FORM 990, PAGE 6, PART VI, LINE 19NO DOCUMENTS AVAILABLE TO THE PUBLIC

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