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Three Rivers Credit Union

Atlanta, GAUnknown exempt organizationEIN 23-7449651

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Provide financial services to the members.

Run by 7 volunteers.
Mission: Form 990 Part I, line 1 · People: Part I, lines 5–6

Before you give

FY2020 · Form 990Independent: from IRS data, not the org
Download 990
Latest return
FY2020
latest Form 990
Concern: the latest return is for FY2020, 6 tax years back; more than 4 tax years.
IRS e-file · Filing history
Pay to officers and key staff
$29K
to officers and key staff · 5% of spending
Looks good: pay to officers and key staff is 5% of spending; 15% or less.
Pt VII · Sec A
Liabilities
$0
total owed
No data yet: the filing does not give total assets.
Pt X · Ln 26
Independent board members
7
of 7 voting members
Looks good: 7 of 7 voting members are independent, a majority.
Pt VI · Ln 1a–1b
Looks goodFineWorth a lookConcernNo data yetTap a box for the reason.
Revenue
$375K
Spent
$612K
Net assets
$0

From the FY2020 Form 990 (year ending June 2020) · see the original

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Is it real?

Yes. Never revoked by the IRS. Latest filing on record: FY2020.

IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File

Who runs it and what they're paid

8 people listed on the 990; $29K paid to officers and key staff.

Part VII, Section A · reportable compensation
Thomas F Joyce
Manager/Board Treasurer
$28,845Pt VII · Sec A
Andrea Davidson
Supervisory Committee
$0Pt VII · Sec A
Frank Godwin
Board Member
$0Pt VII · Sec A
Leanne Guest
Supervisory Committee Chairman
$0Pt VII · Sec A
Dianne Haire
Supervisory Committee
$0Pt VII · Sec A
Seymore M Pelton
Supervisory Committee
$0Pt VII · Sec A
Teresa Roberts
Board Chairman
$0Pt VII · Sec A
Carol Smith
Credit Committe Chairman
$0Pt VII · Sec A
See Three Rivers Credit Union executive salaries →

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Questions the 990 asks

The form asks each of these directly. These are the filed answers.

  • Family or business ties among officersPt VI · Ln 2No
  • Top official's pay set by an independent reviewPt VI · Ln 15aNo

Programs and updates

Offers financial services to its members.

Provided by the organization

This section is blank until Three Rivers Credit Union claims this page.

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1 program service, described in the organization's own filed words · FY2020.
01

Provided financial services to 3,548 members

Pt IX · col B

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By the numbers

The FY2020 990, line by line.

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from philanthropy.org
1The main four
Money inPt VIII
$375K
Ln 12
Fees for servicesLn 2g$331K
Investment incomeLn 3$43K
Money outPt IX
$612K
Ln 25
Owns and owesPt X
$0
net assets · Ln 32
Total assetsLn 16$0
LiabilitiesLn 26$0
PeoplePt VI, VII
8
listed · VII A
PaidVII A1
Voting boardVI 1a7
IndependentVI 1b7
2In more detail
Revenue in detailPt VIII
Fees for servicesLn 2g$331K
Investment incomeLn 3$43K
Total revenueLn 12$375K
Assets in detailPt X, end of year
CashLn 1$0
SavingsLn 2$0
InvestmentsLn 11–13$0
Land, buildings, equipmentLn 10c$0
Other assetsLn 15$0
Total assetsLn 16$0
LiabilitiesLn 26$0
Net assetsLn 32$0
OperationsPt I, VI
EmployeesI 50
VolunteersI 67
Fiscal year endsHeaderJune
Conflict-of-interest policyVI 12aNo
Whistleblower policyVI 13No
Records policyVI 14Yes
3Year over year
Balance sheet, start vs end of yearPt X · col A, B
LineStart FY20End FY20
Cash and savingsLn 1–2$2.1M$0
InvestmentsLn 11–13$3.3M$0
Land, buildings, equipmentLn 10c$634K$0
Total assetsLn 16$10.9M$0
LiabilitiesLn 26$9.4M$0
Net assetsLn 32$1.5M$0
4Every line
Statement of functional expensesPt IX · every line
LineTotalProgramsManagementFundraising
Benefits paid to or for membersLn 4$28K
Pay of current officers, directors and key staffLn 5$29K
Other salaries and wagesLn 7$126K
Accounting feesLn 11c$9K
Advertising and promotionLn 12$2K
Office expensesLn 13$184K
Information technologyLn 14$168K
OccupancyLn 16$36K
Depreciation, depletion and amortizationLn 22$10K
InsuranceLn 23$11K
Other expenses (24a–d)Ln 24$10K
Total functional expensesLn 25$612K

Filing history

YearMoney inMoney outIn minus outNet assetsDownload
FY2020 Latest Viewing $375K$612K−$238K$0 990 PDF

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Schedules filed Part IV

III · Programs I · Grants R · Related orgs G · Fundraising L · Interested persons A · Public support F · Foreign M · Noncash
See the full FY2020 990 (4 parts)
Part VIII · Statement of revenue $374,565 across 3 lines filed
VIII-2a-f Program service revenue, itemized rows (sum of 2a–2f as filed)Related to mission $331,475$331,475
VIII-3 Investment incomeExcluded from tax $43,090$43,090
VIII-12 Total revenueRelated to mission $331,475 · Unrelated business $0 · Excluded from tax $43,090$374,565
Part IX · Statement of functional expenses $612,093 across 11 lines filed
IX-4 Benefits paid to or for members$28,430
IX-5 Pay of current officers, directors and key staff$28,845
IX-7 Other salaries and wages$125,806
IX-11c Accounting fees$8,704
IX-12 Advertising and promotion$1,951
IX-13 Office expenses$184,467
IX-14 Information technology$167,648
IX-16 Occupancy$35,906
IX-22 Depreciation, depletion and amortization$9,589
IX-23 Insurance$11,066
IX-24 Other expenses (24a–d)$9,681
IX-25 Total functional expenses$612,093
Part X · Balance sheet $0 assets, 16 lines filed
X-1 Cash, non-interest-bearingStart of year $443,092$0
X-2 Savings and temporary cash investmentsStart of year $1,650,438$0
X-3 Pledges and grants receivable$0
X-4 Accounts receivableStart of year $2,669$0
X-8 Inventories for sale or use$0
X-9 Prepaid expenses and deferred chargesStart of year $25,084$0
X-10c Land, buildings and equipment, netStart of year $633,740$0
X-11 Publicly traded securities$0
X-12 Other securitiesStart of year $3,194,000$0
X-13 Program-related investmentsStart of year $154,695$0
X-14 Intangible assets$0
X-15 Other assetsStart of year $23,145$0
X-16 Total assetsStart of year $10,933,318$0
X-26 Total liabilitiesStart of year $9,403,948$0
X-32 Total net assets or fund balancesStart of year $1,529,370$0
X-33 Total liabilities and net assetsStart of year $10,933,318$0
Part XI · Reconciliation of net assets $0 net assets at year end
XI-1 Total revenue$374,565
XI-2 Total expenses$612,093
XI-3 Revenue less expenses−$237,528
XI-4 Net assets at start of year$1,529,370
XI-9 Other changes in net assets−$1,291,842
XI-10 Net assets at end of year$0

Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File

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