Georgia Guard Credit Union
Nonprofit profile at a glance
- EIN
- 582323817
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Jun 2026
- Forms available
- Form 990 2024
- Location
- Macon, GA, USA
- Phone
- 478-741-4428 EXT 14
- Rating
- 43
- Verdict
- MIXED
- Rating confidence
- Moderate
- Sector
- Credit Unions
Reported finances
- Revenue
- $330,296
- Expenses
- $382,812
- Assets
- $3,519,683
- Liabilities
- $3,231,312
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
8 people listed
Executive titles in this filing
- AMY TOOKER (PRESIDENT/CE)
Highest reported compensation
- AMY TOOKER (PRESIDENT/CE): $64,800 total reported compensation
- BETTY SUE ADAMS (BOARD MEMBER): $25,755 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To join, complete the Membership Application and provide the necessary fees: $5 for a savings/membership account, $25 for a checking account, and if you are applying for a loan, a $20 loan app fee will need to be paid also. Don’t forget to include a copy of your Driver’s License or State ID, as required by law Join Online Now Why Join.
What it reported doing in 2024
Non-interest expense & provision for loan loss
Operating model
- Revenue model
- Earned-program. 92% of the money available for current operations came from fees and other program revenue.
- Distribution model
- No current program activity. The filing reports no program spending for the current year.
The verdict
MIXED - The filed numbers largely add up and most voting board members are independent. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.
Rating breakdown
- Financial Efficiency: 0
- Transparency & Controls: 90
- Accountability: 72
- Sustainability: 36
- Growth: 0
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 0%; rating input score 0
- Program expense ratio: 0%; rating input score 0
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 3 of 9 controls in place; rating input score 33
- Conflict-of-interest policy: Fail
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: -15.9%; rating input score 17; 17th percentile among comparable filings
- Total-asset coverage ratio: 9.19; rating input score 88; 88th percentile among comparable filings
- Liabilities to assets ratio: 0.92; rating input score 6; 6th percentile among comparable filings
- Officer compensation ratio: 23.7%; rating input score 16; 16th percentile among comparable filings
Growth
- Program expense growth: -11.3% per year; rating input score 0; 10th percentile among comparable filings
- Revenue growth: -1.5% per year; rating input score 0; 18th percentile among comparable filings
- Asset growth: -1% per year; rating input score 0; 21st percentile among comparable filings
Details
- What they do: Mission, programs, and operating context captured from the official website.
- Where the money goes: 0% of revenue deployed · 0% of spending went to programs
- Governance: 7 of 7 board members independent · 3 of 9 filing controls reported
- Programs: 2 filed program accomplishments · $383K in reported program spending
- Leadership: top reported pay $65K · 8 people listed
- Consistency: 19 of 19 current checks pass
- Schedules: 2 filed schedules
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 2 filed money-flow records
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- High — Financial Efficiency: Mission deployment rate scored 0/100.
- High — Financial Efficiency: Program expense ratio scored 0/100.
- Moderate — Accountability: Governance controls: 5 of 8 not reported.
- High — Growth: Program expense growth scored 0/100.
- High — Growth: Revenue growth scored 0/100.
- High — Sustainability: Operating margin scored 17/100.
- High — Growth: Asset growth scored 0/100.
- High — Sustainability: Liabilities to assets ratio scored 6/100.
- High — Sustainability: Officer compensation ratio scored 16/100.