Georgia United Credit Union
Nonprofit profile at a glance
- EIN
- 580800932
- IRS 990 coverage
- 2011–2024
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2024
- Location
- Duluth, GA, United States
- Phone
- 888.493.4328
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $148,353,068
- Expenses
- $130,509,188
- Assets
- $2,267,073,101
- Liabilities
- $2,062,859,412
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
25 people listed
Executive titles in this filing
- DEBBIE SMITH (CEO)
- LAURA KING (PRESIDENT)
Highest reported compensation
- DEBBIE SMITH (CEO): $1,530,992 total reported compensation
- LAURA KING (PRESIDENT): $993,849 total reported compensation
- STEPHANIE WALKER (COO): $882,645 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
Ga united credit union was organized in 1958 to serve our members' financial needs. As a credit union, we operate as a not-for-profit financial cooperative that encourages thrift by providing loans at fair and reasonable rates, paying competitive dividends on savings.
What it reported doing in 2024
Investments are a vital portion of services provided to members by the credit union. These investments allow members to save and invest money and interest and dividends on these securities are paid at market rates.
Operating model
- Revenue model
- Earned-program. 91% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 94
- Accountability: 95
- Sustainability: 67
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 68th percentile among comparable filings
- Pay-setting controls: 5 of 6 controls in place; rating input score 83
- Compensation committee: Pass
- Independent consultant: Pass
- Other Form 990s reviewed: Missing
- Written employment contract: Pass
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Yes; rating input score 100
Accountability
- Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
- Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- 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: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 12%; rating input score 77; 77th percentile among comparable filings
- Total-asset coverage ratio: 17.37; rating input score 96; 96th percentile among comparable filings
- Liabilities to assets ratio: 0.91; rating input score 12; 12th percentile among comparable filings
- Officer compensation ratio: 7%; rating input score 7; 7th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 10.4% per year; rating input score 100; 78th percentile among comparable filings
- Asset growth: 7.9% per year; rating input score 100; 58th percentile among comparable filings
Details
- What they do: 3 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 10 of 10 board members independent · 8 of 9 filing controls reported
- Programs: 3 filed program accomplishments
- Leadership: top reported pay $1.5M · 25 people listed · 5 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $12.1M reported
- Consistency: 14 of 14 current checks pass
- Schedules: 5 filed schedules · includes executive pay and related organizations
- Filing history: 12 filing years from 2011 to 2024
- Contacts: How to reach this organization
- Money network: 19 filed money-flow records
- Related organizations: 1 filed related-organization link
- 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.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Accountability: Governance controls: Form 990 shared with the board not reported.
- High — Sustainability: Officer compensation ratio scored 7/100.
- High — Sustainability: Liabilities to assets ratio scored 12/100.