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GEORGIA UNITED CREDIT UNION

EIN 58-0800932 DULUTH, GA

Revenue 2024
$148,353,068
Expenses 2024
$130,509,188

As filed

Subsection
14
Street
6705 SUGARLOAF PKWY

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

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.

Activities or mission (Part I)

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 PRODUCTS AND IMPLEMENTING FEWER SERVICE FEES FOR OVERALL ACCOUNT MAINTNANCE. INSTEAD OF BEING RUN BY STOCKHOLDERS, WE ARE OWNED BY OUR MEMBERS. EACH MEMBER OWNS AN EQUAL SHARE REGARDLESS OF HIS OR HER ACCOUNT BALANCE. THE BOARD OF DIRECTORS ARE ELECTED BY OUR MEMBERS.

  • INCOME FROM INTEREST ON LOANS TO CREDIT UNION MEMBERS IS ONE OF THE PRIMARY MISSIONS OF THE ORGANIZATION. INTEREST IS CHARGED ON THE LOANS TO MEMBERS AT MARKET RATES.

  • REVENUE FROM ADMIN FEES IS DERIVED FROM CHARGES TO MEMBERS TO MAINTAIN ACCOUNTS, PROCESS LOANS, AND PROVIDE MANY EXTRA SERVICES TO ITS MEMBERS.

  • 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.

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.

  • THOMAS DICKSON

    CHAIRMAN

    Total calculated
    $0
    Hours/week
    5

  • EDWIN BELL

    CO-VICE CHAIRMAN

    Total calculated
    $0
    Hours/week
    5

  • REV MARK STARR

    CO-VICE CHAIRMAN

    Total calculated
    $0
    Hours/week
    5

  • DAVID ARNER

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5

  • JASON BRANCH

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5

  • SANDY BURNEY

    SECRETARY

    Total calculated
    $0
    Hours/week
    5

  • STEVE GEDDES

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5

  • CINDY SALLOUM

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5

  • FRANK THACH

    TREASURER

    Total calculated
    $0
    Hours/week
    5

  • AMANDA CHOSEWOOD

    DIRECTOR

    Total calculated
    $0
    Hours/week
    5

  • DEBBIE SMITH

    CEO

    Total calculated
    $1,530,992
    From this org
    $1,487,695
    From related orgs
    $0
    Other
    $43,297
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $535,733
    Bonus
    $359,942
    Other
    $592,020
    Deferred
    $34,500
    Nontaxable benefits
    $8,797
    Filer's total
    $1,530,992

  • LAURA KING

    PRESIDENT

    Total calculated
    $993,849
    From this org
    $773,119
    From related orgs
    $0
    Other
    $220,730
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $462,340
    Bonus
    $209,100
    Other
    $101,679
    Deferred
    $203,460
    Nontaxable benefits
    $17,270
    Filer's total
    $993,849

  • ROBERT BOGART

    EVP-CFO

    Total calculated
    $812,626
    From this org
    $581,259
    From related orgs
    $0
    Other
    $231,367
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $400,727
    Bonus
    $140,528
    Other
    $40,004
    Deferred
    $223,685
    Nontaxable benefits
    $7,682
    Filer's total
    $812,626

  • THOMAS BARTHOLOMEW

    EVP-CIO

    Total calculated
    $816,169
    From this org
    $570,251
    From related orgs
    $0
    Other
    $245,918
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $391,782
    Bonus
    $140,528
    Other
    $37,941
    Deferred
    $223,685
    Nontaxable benefits
    $22,233
    Filer's total
    $816,169

  • MICHAEL LONDON

    CSO

    Total calculated
    $524,205
    From this org
    $501,790
    From related orgs
    $0
    Other
    $22,415
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $85,075
    Bonus
    $110,700
    Other
    $306,015
    Deferred
    $17,301
    Nontaxable benefits
    $5,114
    Filer's total
    $524,205

  • STEPHANIE WALKER

    COO

    Total calculated
    $882,645
    From this org
    $828,040
    From related orgs
    $0
    Other
    $54,605
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $290,560
    Bonus
    $107,010
    Other
    $430,470
    Deferred
    $34,500
    Nontaxable benefits
    $20,105
    Filer's total
    $882,645

  • CAROLINA KING

    CPO

    Total calculated
    $564,688
    From this org
    $392,548
    From related orgs
    $0
    Other
    $172,140
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $278,373
    Bonus
    $95,940
    Other
    $18,235
    Deferred
    $150,168
    Nontaxable benefits
    $21,972
    Filer's total
    $564,688

  • TODD LAMBRIGHT

    CHIEF EXPERIENCE OFFICER

    Total calculated
    $554,341
    From this org
    $409,278
    From related orgs
    $0
    Other
    $145,063
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $304,902
    Bonus
    $87,946
    Other
    $16,430
    Deferred
    $144,153
    Nontaxable benefits
    $910
    Filer's total
    $554,341

  • DAVID A MARLOWE

    CHIEF STRATEGY OFFICER

    Total calculated
    $285,103
    From this org
    $189,882
    From related orgs
    $0
    Other
    $95,221
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $189,517
    Bonus
    $0
    Other
    $365
    Deferred
    $74,769
    Nontaxable benefits
    $20,452
    Filer's total
    $285,103

  • JANIS W JOHNSON

    CHIEF LEGAL COUNSEL

    Total calculated
    $410,274
    From this org
    $295,616
    From related orgs
    $0
    Other
    $114,658
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $269,131
    Bonus
    $23,847
    Other
    $2,638
    Deferred
    $105,861
    Nontaxable benefits
    $8,797
    Filer's total
    $410,274

  • SOPHIA ROLLINS

    SVP RISK MANAGEMENT

    Total calculated
    $354,837
    From this org
    $270,828
    From related orgs
    $0
    Other
    $84,009
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $200,256
    Bonus
    $59,963
    Other
    $10,609
    Deferred
    $67,168
    Nontaxable benefits
    $16,841
    Filer's total
    $354,837

  • ROBERT HUTCHINSON

    SVP INFORMATION SYSTEMS

    Total calculated
    $336,780
    From this org
    $261,952
    From related orgs
    $0
    Other
    $74,828
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $201,252
    Bonus
    $59,963
    Other
    $737
    Deferred
    $66,031
    Nontaxable benefits
    $8,797
    Filer's total
    $336,780

  • CYNTHIA CONNELLY

    SVP GOVT AFFAIRS & OUTREACH

    Total calculated
    $311,313
    From this org
    $279,663
    From related orgs
    $0
    Other
    $31,650
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $179,935
    Bonus
    $54,028
    Other
    $45,700
    Deferred
    $22,108
    Nontaxable benefits
    $9,542
    Filer's total
    $311,313

  • MELINDA GREENLAND

    SVP PEOPLE & DEVELOPMENT

    Total calculated
    $350,972
    From this org
    $274,995
    From related orgs
    $0
    Other
    $75,977
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $199,745
    Bonus
    $58,425
    Other
    $16,825
    Deferred
    $67,368
    Nontaxable benefits
    $8,609
    Filer's total
    $350,972

  • ANTHONY FRAZIER

    SVP NETWORK INFRASTRUCTURE

    Total calculated
    $344,170
    From this org
    $271,099
    From related orgs
    $0
    Other
    $73,071
    Hours/week
    45

    Schedule J breakdown matched by us

    Base
    $203,607
    Bonus
    $47,164
    Other
    $20,328
    Deferred
    $65,418
    Nontaxable benefits
    $7,653
    Filer's total
    $344,170

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
    $148,353,068
    Expenses
    $130,509,188
    Contributions
    $0
    Grants paid
    $0
  • 2023
    Revenue
    $125,102,229
    Expenses
    $102,025,868
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $92,912,725
    Expenses
    $68,368,106
    Contributions
    $0
    Grants paid
    $0

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
    $80,835,681
    Expenses
    $70,132,903
    Assets (EOY)
    $1,880,574,240

  • 2020 · 990

    Revenue
    $80,581,564
    Expenses
    $78,345,994
    Assets (EOY)
    $1,731,882,389

  • 2019 · 990

    Revenue
    $78,453,973
    Expenses
    $68,021,268
    Assets (EOY)
    $1,414,020,457

  • 2018 · 990

    Revenue
    $70,846,830
    Expenses
    $63,188,939
    Assets (EOY)
    $1,358,046,491

  • 2017 · 990

    Revenue
    $62,429,737
    Expenses
    $53,544,750
    Assets (EOY)
    $1,295,120,332

  • 2016 · 990

    Revenue
    $55,443,232
    Expenses
    $47,190,296
    Assets (EOY)
    $1,200,133,576

  • 2015 · 990

    Revenue
    $51,404,186
    Expenses
    $41,546,814
    Assets (EOY)
    $1,086,524,232

  • 2014 · 990

    Revenue
    $46,735,416
    Expenses
    $38,044,353
    Assets (EOY)
    $997,219,525

  • 2013 · 990

    Revenue
    $42,501,709
    Expenses
    $35,348,795
    Assets (EOY)
    $957,149,295

  • 2011 · 990

    Revenue
    not reported
    Expenses
    $33,429,815
    Assets (EOY)
    $893,021,040

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

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

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.

Listed by

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.