2026-04-02T09:59:27-04:00 2025-12-31 202711127 CREDIT UNION AUDIT GROUP 1709 HERMITAGE BLVD SUITE 200 TALLAHASSEE FL 32308 990 2025-01-01 581122970 CGR CREDIT UNION CGRC 4787450494 2040 INGLESIDE AVE MACON GA 31204 CLINT HARPER CEO/ALCO MEM 4787450494 2026-04-01 true MARCUS KING P02401169 2054372176 2026-04-02 2025 2025-03-06 01:10:19Z CLINT HARPER 2040 INGLESIDE AVE MACON GA 31204 8796324 false X WWW.CGRCU.ORG X CREDIT UNION 1971 GA CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS. 7 7 48 13 46258 0 5476282 5630735 1539150 1864082 1231513 1301507 8246945 8796324 0 0 2413833 2536233 0 0 4042726 4255648 6456559 6791881 1790386 2004443 112331366 117190819 88843857 91698868 23487509 25491951 X CGR CREDIT UNION IS A FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SAVINGS AND LOANS TO OUR MEMBERS UTILIZING SAFE BUSINESS PRACTICES. CGR CREDIT UNION IS HERE FOR OUR MEMBERS WHO TRUST US WITH ALL THEIR FINANCIAL BUSINESS AND STAY WITH US FOR LIFE. THE CREDIT PROVIDES SERVICES FOR APPROXIMATELY 11,129 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. false false 5943804 THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS. 848078 THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS. 6791882 false false false false false false false false false true true false true true false true false false false false false false false false false false false false true false true false false false false false false false false false false false false true 2257 0 true 48 true true true false false false false false false false X 7 7 false false false false true true true true true false true false false true true true true true true true false GA X CLINT HARPER 4787450494 2040 INGLESIDE AVE MACON GA 31204 CLINT HARPER CEO/ALCO MEM 40.00 X X 216091 0 42831 KEVIN CARTER BOD CHAIR 1.00 X 0 0 0 RICHARD JONES BOD VICECH/A 1.00 X 0 0 0 JAMES BRYSON BOD SEC/AUDC 1.00 X 0 0 0 PAUL BARKLEY BOARD MEM 1.00 X 0 0 0 ROBERTA PERMENTER BOARD MEM/AL 1.00 X 0 0 0 GINA KEADLE BOD MEM/AUD 1.00 X 0 0 0 KENAN HODGES BOARD MEMBER 1.00 X 0 0 0 CATHY PATTERSON AUDIT COMMIT 1.00 X 0 0 0 JUDY WARE AUDIT COM ME 1.00 X 0 0 0 KAREN FARR AUDIT COM ME 1.00 X 0 0 0 STEPHANIE PARKER AUDIT COM ME 1.00 X 0 0 0 SUSAN CRAIG AUDIT COM ME 1.00 X 0 0 0 GENEEN RANSAW AUDIT COM ME 1.00 X 0 0 0 216091 42831 4 false true false INTEREST ON LOANS 522291 3516159 3516159 FEE INCOME 522100 2114576 2114576 5630735 1864082 1864082 OTHER OPERATING INCOME 525990 1255249 1255249 UBIT 525990 46258 46258 1301507 8796324 8750066 46258 1862646 1862646 219030 219030 315744 315744 138813 138813 629565 629565 363791 363791 90610 90610 848078 848078 PROF & OUTSIDE SERVICES 1196765 1196765 PROVISION FOR LOAN LOSS 453699 453699 LOAN SERVICING EXPENSE 365136 365136 EDUCATIONAL & PROMO 246775 246775 61229 61229 6791881 0 6791881 0 16573571 18019122 17966000 22000000 44634374 46375165 3746279 3839594 274105 384059 8848568 3041703 5987158 5806865 18063181 13510953 5086698 7255061 112331366 117190819 2171222 2718003 86672635 88980865 88843857 91698868 X 23487509 25491951 23487509 25491951 112331366 117190819 X 2004443 -1 X false false 1281166 1281166 5617520 1268662 4348858 139686 137417 2269 1810196 1635624 174572 5806865 ALL OTHER INVESTMENTS 13413167 C CORPORATE PAID IN CAPITAL 97786 C 13510953 OTHER ASSETS 6117696 NCUA SHARE INSURANCE DEPOSIT 845053 ACCRUED INTEREST ON LOANS 162935 ACCRUED INTEREST ON INVESTMENTS 128662 FORECLOSED & REPOSSESSED ASSETS 715 7255061 SHARES 42360441 ALL OTHER SHARES 25484330 SHARE DRAFTS 21136094 88980865 8796324 8796324 8796324 6791881 6791881 6791881 false false false CLINT HARPER CEO/ALCO MEM 197380 18711 42831 258922 SCHEDULE J, PART III THE CREDIT UNION DEPOSITED FUNDS INTO A LIFE INSURNACE POLICY ON THE PARTICIPANT'S LIFE. DURING LIFE, AND SUBJECT TO THE POLICY GENERATING SUFFICIENT VALUES, THE PARTICIPANT CAN BORROW FROM THE POLICY. AT DEATH, THE ORGANIZATION RECOVERS ITS PREMIUMS PLUS INTEREST PLUS ADDITIONAL KEY- PERSON INSURNACE PROCEEDS. FOR MORE INFORMATION SEE SCHEDULE L. CLINT HARPER CURRENT OFFICER FUND PURCHASE OF CASH VAL LIFE INS X 2500000 2536350 false true true ROBERT JORDAN FORMER OFFICER FUND PURCHASE OF CASH VAL LIFE INS X 1000000 1303244 false true true 3839594 SCHEDULE L, PART V THE CREDIT UNION PROVIDES SUPPLEMENTAL RETIREMENT BENEFITS THROUGH AN ARRANGEMENT THE IRS REFERS TO AS COLLATERAL ASSIGNMENT SPLIT DOLLAR (CASD). ALTHOUGH THE IRS REQUIRES REPORTING IN PART II, ABOVE, FOR LOANS TO INTERESTED PERSONS, CASD IS NOT AN ACTUAL LOAN. THERE IS NEITHER A TRANSFER OF FUNDS TO THE PARTICIPANT NOR AN OBLIGATION FOR THE PARTICIPANT TO REPAY THOSE FUNDS. INSTEAD, THE CREDIT UNION RECOVERS ITS OUTLAYS PLUS INTEREST FROM THE UNDERLYING POLICY. THE RECOVERY RIGHT IS A KEY ADVANTAGE OF CASD. WITH TRADITIONAL DEFERRED COMPENSATION, THE CREDIT UNION PAYS THE BENEFIT FROM CORPORATE ASSETS, NEVER TO RECOVER THOSE DOLLARS. WITH CASD, THE CREDIT UNION RECOVERS NOT ONLY ITS OUTLAYS, BUT ALSO INTEREST THAT TAKES INTO ACCOUNT THE TIME VALUE OF MONEY. IN CASD, THE CREDIT UNION DEPOSITS DOLLARS DIRECTLY INTO A LIFE INSURNACE POLICY, WITH THE CREDIT UNION HOLDING A LIEN ON THE POLICY TO ENSURE REPAYMENT. AT SPECIFIED TIMES AND SUBJECT TO VESTING REQUIREMENTS, THE PARTICIPANT MAY BORROW FROM THE CASH VALUE OF THE POLICY TO SUPPLEMENT REITREMENT INCOME (PROVIDED THERE ARE SUFFICIENT POLICY VALUES). BORROWING IS CAREFULLY MONITORED AND LIMITED TO ASSURE THAT THE POLICY WILL REMAIN IN EFFECT UNTIL THE PARTICIPANT'S DEATH AND WILL PAY A DEATH BENEFIT AT LEAST SUFFICIENT TO REPAY THE CREDIT UNION'S OUTLAYS PLUS INTEREST. ANY REMAINING DEATH BENEFIT PROCEEDS ARE DIVIDED BETWEEN THE CREDIT UNION AND THE EXECUTIVE'S BENEFICIARY AS SPECIFIED IN THE AGREEMENT. FORM 990 - ORGANIZATION'S MISSION CGR CREDIT UNION IS A FINANCIAL COOPERATIVE DEDICATED TO PROVIDING SAVINGS AND LOANS TO OUR MEMBERS UTILIZING SAFE BUSINESS PRACTICES. CGR CREDIT UNION IS HERE FOR OUR MEMBERS WHO TRUST US WITH ALL THEIR FINANCIAL BUSINESS AND STAY WITH US FOR LIFE. THE CREDIT PROVIDES SERVICES FOR APPROXIMATELY 11,129 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. FORM 990, PAGE 1, PART I, LINE 6 HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENSATION. FORM 990, PAGE 6, PART VI, LINE 6 THE CREDIT UNION IS OWNED BY THE MEMBERS. FORM 990, PAGE 6, PART VI, LINE 7A THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITES ARE CONTROLLED BY THE BOARD OF DIRECTORS. ELECTION BY MEMBERS AT THE ANNUAL MEETING OF THE MEMBERSHIP IS HELD IN FEBRUARY EACH YEAR. NOMINATIONS ARE OPENED 45 DAYS PRIOR TO THE MEETING AND ARE SUBMITTED TO THE BOARD APPOINTED "NOMINATING COMMITTEE". NOMINEES ARE VETTED TO THE EXTENT THAT THEY ARE MEMBERS IN GOOD STANDING AND ARE FINANCIALLY RESPONSIBLE IN THEIR PERSONAL BUSINESS. FORM 990, PAGE 6, PART VI, LINE 7B SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS. FORM 990, PAGE 6, PART VI, LINE 10B POLICIES ARE IN PLACE FORM 990, PAGE 6, PART VI, LINE 11B FORM 990 REVIEWED AT A REGULAR BOD MEETING. FORM 990, PAGE 6, PART VI, LINE 12C WE HAVE A CODE OF ETHICS THAT COVERS CONFLICTS OF INTEREST AS WELL AS OUR EMPLOYEE HANDBOOK. ALL OFFICIALS ARE REQUIRED TO SIGN "CONFLICT OF INTEREST" STATEMENT. FORM 990, PAGE 6, PART VI, LINE 15A THE CREDIT UNION USES HR PERFORMANCE SOLUTIONS' PRODUCT CALLED COMPEASE AS A BENCHMARKING TOOL FOR ALL EMPLOYEES. THE BOD REFERENCES THIS TOOL IN THEIR DECISIONS FOR SETTING THE CEO'S SALARY. THE BOARD OF DIRECTORS REVIEWS THE CEO PERFORMANCE ANNUALLY AND CONSULTS WITH A THIRD-PARTY FIRM QUALIFIED TO EVALUATE WHAT IS APPROPRIATE AND COMPETITIVE IN BOTH COMPENSATION AND BENEFITS. FORM 990, PAGE 6, PART VI, LINE 15B THE CREDIT UNION USES HR PERFORMANCE SOLUTIONS PRODUCT CALLED COMPEASE AS A BENCHMARKING TOOL FOR ALL EMPLOYEES. FORM 990, PAGE 6, PART VI, LINE 19 GOVERNING DOCUMENTS THAT ARE NOT PUBLICIALLY AVAILABLE ONLINE ARE AVAILABLE UPON REQUEST AT THE CREDIT UNION'S INGLESIDE AVE BRANCH. THE CONFLICT OF INTEREST POLICY WOULD ALSO BE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE ARE AVAILABLE UPON REQUEST BY THE 15TH OF THE SUBSEQUENT MONTH. FORM 990, PART XI, LINE 9 DUE TO ROUNDING 0 DUE TO ROUDNING -1 TOTAL -1