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GEORGIA'S OWN CREDIT UNION

EIN 58-0147128 ATLANTA, GA

Revenue 2024
$284,620,836
Expenses 2024
$298,815,266

As filed

Subsection
14
Street
100 PEACHTREE ST NW 2800

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

Mission

BANKING ON PURPOSE.

  • PROVIDED THRIFT SAVINGS / BORROWINGS TO 240,428 MEMBERS.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • RICHARD E BURNS

    DIRECTOR-CHAIRPERSON

    Total calculated
    $51,404
    From this org
    $51,404
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • DAVID DICKEY

    DIRECTOR- VICE CHAIRPERSON

    Total calculated
    $39,490
    From this org
    $39,490
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • JOAN K SIMS

    DIRECTOR- SECRETARY

    Total calculated
    $36,490
    From this org
    $36,490
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • PATRICK H CASEY

    DIRECTOR- TREASURER

    Total calculated
    $36,490
    From this org
    $36,490
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • MICHAEL W BAUMGARTNER

    DIRECTOR

    Total calculated
    $36,490
    From this org
    $36,490
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • WILLIAM E CONINE

    DIRECTOR

    Total calculated
    $36,490
    From this org
    $36,490
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • JAMES L FOWLER

    DIRECTOR

    Total calculated
    $36,490
    From this org
    $36,490
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • GARY M LUDGOOD

    DIRECTOR

    Total calculated
    $39,490
    From this org
    $39,490
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • THOMAS H POLLOCK

    DIRECTOR

    Total calculated
    $36,300
    From this org
    $36,300
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • ERVIN M WALKER

    DIRECTOR

    Total calculated
    $40,679
    From this org
    $40,679
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • GEORGE REYNOLDS

    DIRECTOR

    Total calculated
    $36,578
    From this org
    $36,578
    From related orgs
    $0
    Other
    $0
    Hours/week
    1

  • DAVID A PRETER

    DIRECTOR/CEO

    Total calculated
    $1,413,497
    From this org
    $1,338,747
    From related orgs
    $0
    Other
    $74,750
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $900,181
    Bonus
    $407,920
    Other
    $30,646
    Deferred
    $30,955
    Nontaxable benefits
    $43,795
    Filer's total
    $1,413,497

  • CHRISTIN HEWITT

    CHIEF FINANCIAL OFFICER

    Total calculated
    $628,682
    From this org
    $576,611
    From related orgs
    $0
    Other
    $52,071
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $418,577
    Bonus
    $151,240
    Other
    $6,794
    Deferred
    $29,982
    Nontaxable benefits
    $22,089
    Filer's total
    $628,682

  • KELLEY GARMON

    EVP, CHIEF RETAIL OFFICER

    Total calculated
    $2,311,170
    From this org
    $2,236,875
    From related orgs
    $0
    Other
    $74,295
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $402,757
    Bonus
    $182,634
    Other
    $1,651,484
    Deferred
    $28,891
    Nontaxable benefits
    $45,404
    Filer's total
    $2,311,170

  • BARRY HEAPE

    PRESIDENT MARKET DEVELOPME

    Total calculated
    $1,449,339
    From this org
    $1,389,329
    From related orgs
    $0
    Other
    $60,010
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $397,076
    Bonus
    $160,493
    Other
    $831,760
    Deferred
    $26,095
    Nontaxable benefits
    $33,915
    Filer's total
    $1,449,339

  • ERIC BROOME

    EVP, CHIEF OPERATIONS OFFI

    Total calculated
    $1,189,737
    From this org
    $862,264
    From related orgs
    $0
    Other
    $327,473
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $474,679
    Bonus
    $370,077
    Other
    $17,508
    Deferred
    $302,973
    Nontaxable benefits
    $24,500
    Filer's total
    $1,189,737

  • MICHAEL SIMS

    SVP, MARKET EXECUTIVE, SBA

    Total calculated
    $1,103,170
    From this org
    $796,418
    From related orgs
    $0
    Other
    $306,752
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $357,309
    Bonus
    $434,448
    Other
    $4,661
    Deferred
    $267,179
    Nontaxable benefits
    $39,573
    Filer's total
    $1,103,170

  • JOHN CAREW

    CHIEF STRATEGY OFFICER

    Total calculated
    $692,552
    From this org
    $613,408
    From related orgs
    $0
    Other
    $79,144
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $414,621
    Bonus
    $192,310
    Other
    $6,477
    Deferred
    $28,974
    Nontaxable benefits
    $50,170
    Filer's total
    $692,552

  • CINDY BOYLES

    CHIEF TALENT & ADMINISTRAT

    Total calculated
    $603,415
    From this org
    $533,968
    From related orgs
    $0
    Other
    $69,447
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $350,777
    Bonus
    $165,389
    Other
    $17,802
    Deferred
    $29,782
    Nontaxable benefits
    $39,665
    Filer's total
    $603,415

  • MATTHEW HAVICE

    CHIEF RISK OFFICER & GENER

    Total calculated
    $687,308
    From this org
    $509,715
    From related orgs
    $0
    Other
    $177,593
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $373,189
    Bonus
    $128,771
    Other
    $7,755
    Deferred
    $141,224
    Nontaxable benefits
    $36,369
    Filer's total
    $687,308

  • KEVAN WILLIAMSON

    CHIEF TECHNOLOGY OFFICER

    Total calculated
    $643,019
    From this org
    $496,501
    From related orgs
    $0
    Other
    $146,518
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $358,069
    Bonus
    $133,970
    Other
    $4,462
    Deferred
    $110,162
    Nontaxable benefits
    $36,356
    Filer's total
    $643,019

  • ROBERT YOUNGBLOOD

    REGIONAL PRESIDENT SOUTHWE

    Total calculated
    $784,874
    From this org
    $752,212
    From related orgs
    $0
    Other
    $32,662
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $279,032
    Bonus
    $71,201
    Other
    $401,979
    Deferred
    $27,327
    Nontaxable benefits
    $5,335
    Filer's total
    $784,874

  • RODNEY COWAN

    SVP, HUMAN RESOURCES

    Total calculated
    $622,372
    From this org
    $580,634
    From related orgs
    $0
    Other
    $41,738
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $110,402
    Bonus
    $85,385
    Other
    $384,847
    Deferred
    $20,377
    Nontaxable benefits
    $21,361
    Filer's total
    $622,372

  • SANJAY MALHOTRA

    REGIONAL PRESIDENT, ATLANTA REGION

    Total calculated
    $789,885
    From this org
    $527,590
    From related orgs
    $0
    Other
    $262,295
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $241,466
    Bonus
    $68,284
    Other
    $217,840
    Deferred
    $241,952
    Nontaxable benefits
    $20,343
    Filer's total
    $789,885

  • CASSY FERRELL

    SVP, TREASURY OPERATIONS

    Total calculated
    $591,765
    From this org
    $424,368
    From related orgs
    $0
    Other
    $167,397
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $280,366
    Bonus
    $141,233
    Other
    $2,769
    Deferred
    $146,264
    Nontaxable benefits
    $21,133
    Filer's total
    $591,765

The first 25 listed. Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $284,620,836
    Expenses
    $298,815,266
    Contributions
    $0
    Grants paid
    $283,761
  • 2023
    Revenue
    $290,906,366
    Expenses
    $276,773,964
    Contributions
    $0
    Grants paid
    $426,596
  • 2022
    Revenue
    $209,813,141
    Expenses
    $169,819,859
    Contributions
    $0
    Grants paid
    $285,670

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $147,500,350
    Expenses
    $122,866,727
    Assets (EOY)
    $3,419,402,865

  • 2020 · 990

    Revenue
    $151,783,813
    Expenses
    $161,783,816
    Assets (EOY)
    $2,934,363,474

  • 2019 · 990

    Revenue
    $142,869,720
    Expenses
    $124,036,400
    Assets (EOY)
    $2,494,603,277

  • 2019 · 990

    Revenue
    $142,869,720
    Expenses
    $121,843,834
    Assets (EOY)
    $2,494,603,277

  • 2018 · 990

    Revenue
    $130,821,829
    Expenses
    $111,418,369
    Assets (EOY)
    $2,406,137,741

  • 2017 · 990

    Revenue
    $115,404,072
    Expenses
    $98,891,066
    Assets (EOY)
    $2,311,604,416

  • 2016 · 990

    Revenue
    $101,097,029
    Expenses
    $93,031,807
    Assets (EOY)
    $2,139,644,896

  • 2015 · 990

    Revenue
    $90,184,117
    Expenses
    $82,891,662
    Assets (EOY)
    $2,047,209,136

  • 2014 · 990

    Revenue
    $89,895,484
    Expenses
    $79,013,842
    Assets (EOY)
    $1,828,681,510

  • 2013 · 990

    Revenue
    $85,347,777
    Expenses
    $77,355,664
    Assets (EOY)
    $1,777,033,643

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

The 10 largest by cash amount. The API serves every itemized grant.

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

Declared as related by

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2024 return

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 26 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.