2025-11-10T19:10:38-06:00 2024-12-31 410746749 CLIFTONLARSONALLEN LLP 109 N MAIN STREET SUITE 200 AUSTIN MN 55912 990 2024-01-01 580904765 DELTA COMMUNITY CREDIT UNION DELT 4047154725 3250 RIVERWOOD PKWY ATLANTA GA 30339 JAY GRATWICK CHIEF FINANCIAL OFFICER 4047154725 2025-11-07 1 TANYA MEDGAARDEN P01717240 5074347000 2025-11-04 2024 2025-03-06 01:10:19Z HANK HALTER 3250 RIVERWOOD PKWY ATLANTA GA 30339 448910976 0 X WWW.DELTACOMMUNITYCU.COM X 1940 GA HELP MEMBERS REACH A LEVEL OF FINANCIAL AWARENESS AND STABILITY THAT AFFORDS THEM PEACE OF MIND. 9 8 1718 13 3119703 755078 0 0 348593567 383233570 54108667 61483666 0 0 402702234 444717236 423657 457253 59576719 106949144 142915142 156635657 0 0 0 166451769 142734652 369367287 406776706 33334947 37940530 8657245365 8652742905 7932959749 7862483699 724285616 790259206 WE WANT TO BE METRO ATLANTA'S PREFERRED PLACE TO BANK, KNOWN FOR PROVIDING OUR MEMBERS WITH HONEST VALUE, SUPERIOR SERVICE AND TRUSTED ADVICE. 0 0 DELTA COMMUNITY WAS FOUNDED IN 1940 BY EIGHT EMPLOYEES OF DELTA AIR LINES AND HAS BECOME GEORGIA'S LARGEST CREDIT UNION WITH MORE THAN $8 BILLION IN ASSETS AND 32 BRANCH LOCATIONS. IN ADDITION TO PROUDLY SERVING DELTA AIR LINES' EMPLOYEES, THE CREDIT UNION NOW WELCOMES RESIDENTS OF 16 METRO ATLANTA COUNTIES AND EMPLOYEES OF MORE THAN 130 OTHER BUSINESSES. WE ARE ACTIVELY INVOLVED WITH LOCAL CHAMBERS OF COMMERCE, SCHOOLS AND CHARITABLE ORGANIZATIONS TO THIS END AND EMBRACE THE OPPORTUNITY TO GIVE BACK TO THE COMMUNITIES WHERE WE LIVE, WORK, AND SERVE. 0 0 1 0 0 0 0 0 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 176173 0 1 1718 1 1 1 0 0 0 0 0 1 0 X 9 8 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 1 1 0 X JAY GRATWICK 4047154725 3250 RIVERWOOD PKWY ATLANTA GA 30339 HANK HALTER PRESIDENT & CEO 40.00 0.00 X X 1671316 0 506911 JAY GRATWICK EVP & CFO 40.00 0.00 X 1190419 0 231770 TIM MITCHELL SVP & CIO 40.00 0.00 X 1256825 0 126378 BOB WALSH EVP & CLO 40.00 0.00 X 928294 0 223844 MATTHEW SHEPHERD EVP & COO 40.00 0.00 X 872156 0 268463 SUZANNE MITCHELL SVP HR 40.00 0.00 X 751586 0 109010 BOB MANNING SVP & GENERAL COUNSEL 40.00 0.00 X 630519 0 136231 PAM DAVIS SVP BRANCH DELIVERY & OPERATIONS 40.00 0.00 X 530785 0 108800 BILL BUCHANAN SVP & CRO 40.00 0.00 X 518183 0 103163 BILL MESPLAY SVP REMOTE DELIVERY 40.00 0.00 X 466520 0 107552 RICHARD ELLIS AVP-COMMERCIAL LENDING 40.00 0.00 X 473140 0 53739 DAVID CASEY FINANCIAL ADVISOR 40.00 0.00 X 462870 0 52221 ERIC A LATIMER VP-COMMERCIAL LENDING 40.00 0.00 X 448935 0 53821 ABDUL HUSSAIN VP-INFORMATION SECURITY 40.00 0.00 X 376790 0 53821 JULIE BATES VP-RETIREMENT & INVESTMENTS 40.00 0.00 X 333407 0 53620 CHARLIE BOYAJIAN DIRECTOR 1.00 0.00 X 47835 0 0 LINDA O'SHEA VICE CHAIRMAN 1.00 0.00 X X 44325 0 0 ROBIN STRICKLIN DIRECTOR 1.00 0.00 X 42320 0 0 LEMUAL WIMBISH SECRETARY & TREASURER 1.00 0.00 X X 38985 0 0 MATT SULLIVAN DIRECTOR 1.00 0.00 X 35155 0 0 ESTHER HAMMOND DIRECTOR 1.00 0.00 X 31855 0 0 ALLISON AUSBAND DIRECTOR 1.00 0.00 X 21170 0 0 JIM DIFFLEY CHAIRMAN (UNTIL 09/2024) 1.00 0.00 X X 16200 0 0 ALAN ARNOLD DIRECTOR 1.00 0.00 X 0 0 0 11189590 0 2189344 335 0 1 0 INSIGHT GLOBAL PO BOX 198226 ATLANTA GA 30384 TEMPORARY EMPLOYEE PLACEMENT 1387020 THREEWILL CONSULTING 148 IRON MT RD CANTON GA 30115 IT CONSULTING 1127336 THE PERSIMMON GROUP 11 EAST 5TH ST STE 300 TULSA OK 74103 PROJECT MANAGEMENT CONSULTING 382392 M2 PARTNERS 2 BLOOR ST WEST 7TH FLOOR TORONTO ONTARIO CA IT CONSULTING 355900 THE INTERSECT GROUP PO BOX 11630 ATLANTA GA 30368 IT CONSULTING 303016 8 INCOME FROM LOANS 522291 283229208 283229208 INTERCHANGE INCOME 525990 49574555 49574555 SERVICE CHARGES 525990 28221563 27904868 316695 OTHER OPERATING INCOME 525990 22208244 19405236 2803008 383233570 61403186 61403186 4274220 4193740 80480 80480 80480 444717236 380113867 3119703 61483666 X 407253 50000 106949144 11016570 115288188 7540533 15518069 7272297 557201 413471 63313 7053740 8235709 10586692 13577834 509842 432839 7005893 7306004 970897 UBI TAXES 43480 SERVICE CONTRACTS 26313709 FINANCIAL SERVICES OPER 25574805 PROVISION FOR CREDIT LO 20369416 13719807 406776706 85993106 78780598 80813212 161988669 48235546 44154796 5585044428 5644752047 9591222 11789530 161928154 83082261 82999988 78845893 2526762908 2387529309 27020350 27788355 210784605 217113708 8657245365 8652742905 93663574 78731290 960000 640000 400000000 7438336175 7783112409 7932959749 7862483699 X 0 0 0 0 724285616 790259206 724285616 790259206 8657245365 8652742905 37940530 28033060 0 X X 0 1 X 1 0 63313 0 0 63313 63313 1 LEAGUE OF SOUTHEASTERN CREDIT UNIONS 3692 COOLIDGE COURT TALLAHASSEE FL 32311 943458406 63313 PART I-A, LINE 1: CONTRIBUTION TO POLITICAL ACTION COMMITTEE. 12519293 12519293 74515276 28601826 45913450 25582532 14454506 11128026 43114950 34557900 8557050 6196103 5468029 728074 78845893 MEMBER SHARES 7727993733 LEASE LIABILITIES 55118676 7783112409 X PART X, LINE 2: MANAGEMENT EVALUATED THE CREDIT UNION'S TAX POSITIONS AND CONCLUDED THAT THE CREDIT UNION HAD TAKEN NO UNCERTAIN TAX POSITIONS THAT REQUIRE ADJUSTMENT TO THE FINANCIAL STATEMENTS. THE CREDIT UNION FILES FORM 990 IN THE U.S. FEDERAL JURISDICTION AND THE STATE OF GEORGIA. THE CREDIT UNION'S 2020 THROUGH 2024 TAX YEARS ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES. 1 100 BLACK MEN OF ATLANTA 101 JACKSON ST NE ATLANTA GA 30312 587121923 501(C)(3) 5500 0 N/A N/A GENERAL SUPPORT AEBL INC 1700 NORTHSIDE DR 1373 ATLANTA GA 30318 473758647 501(C)(3) 7500 0 N/A N/A GENERAL SUPPORT AFRICAN-AMERICAN CU COALITION 6705 SUGARLOAF PARKWAY SUITE 210 DULUTH GA 30097 571091138 501(C)(3) 5150 0 N/A N/A GENERAL SUPPORT ARTSBRIDGE FOUNDATION 2796 COBB GALLERIA PARKWAY ATLANTA GA 30335 201638556 501(C)(3) 17500 0 N/A N/A GENERAL SUPPORT ATLANTA MUSIC PROJECT 883 DILL AVENUE SW ATLANTA GA 30310 800557088 501(C)(3) 20000 0 N/A N/A GENERAL SUPPORT AUTOMOTIVE TRAINING CENTER 2210 SYLVAN ROAD SUITE M EAST POINT GA 30344 812285433 501(C)(3) 10000 0 N/A N/A GENERAL SUPPORT BALANCE 1655 GRANT STREET SUITE 1300 CONCORD GA 94520 941688163 501(C)(3) 30552 0 N/A N/A GENERAL SUPPORT BOY SCOUTS OF AMERICA 1800 CIRCLE 75 PARKWAY ATLANTA GA 30339 580566122 501(C)(3) 5950 0 N/A N/A GENERAL SUPPORT CITY OF REFUGE INC 1300 JOSEPH E BOONE BLVD NW ATLANTA GA 30314 582194642 501(C)(3) 10000 0 N/A N/A GENERAL SUPPORT CITY SPRINGS THEATRE COMPANY 8601 DUNWOODY PLACE SUITE 136 SANDY SPRINGS GA 30350 821085513 501(C)(3) 12500 0 N/A N/A GENERAL SUPPORT COBB CHAMBER OF COMMERCE 1100 CIRCLE 75 PARKWAY 1000 ATLANTA GA 30339 580198114 501(C)(6) 15750 0 N/A N/A GENERAL SUPPORT COLLEGE AIM 342 S MCDONOUGH ST DECATUR GA 30030 814120021 501(C)(3) 5500 0 N/A N/A GENERAL SUPPORT COMMUNITIES IN SCHOOLS ATLANTA 260 PEACHTREE STREET SUITE 750 ATLANTA GA 30303 581152807 501(C)(3) 7500 0 N/A N/A GENERAL SUPPORT ESPN CRICKET CELEBRATION BOWL 5555 GLENRIDGE CONNECTOR SUITE 350 ATLANTA GA 30342 133759888 501(C)(3) 7500 0 N/A N/A GENERAL SUPPORT ESSENTIAL2LIFE INC PO BOX 620053 ATLANTA GA 30548 582168468 501(C)(3) 7500 0 N/A N/A GENERAL SUPPORT FUTURE FOUNDATION INC 1892 WASHINGTON ROAD EAST POINT GA 30344 582636418 501(C)(3) 7500 0 N/A N/A GENERAL SUPPORT FUTURE SUCCESSORS 711 COSMOPOLITAN DRIVE SUITE 309 ATLANTA GA 30324 383877530 501(C)(3) 8500 0 N/A N/A GENERAL SUPPORT GIRL SCOUTS OF GREATER ATLANTA 5601 N ALLEN RD SE 2629 MABLETON GA 30126 580566190 501(C)(3) 13500 0 N/A N/A GENERAL SUPPORT GLOBAL GROWERS NETWORK 500 S COLUMBIA DR DECATUR GA 30030 462247454 501(C)(3) 8500 0 N/A N/A GENERAL SUPPORT GREATER HALL CHAMBER OF COMMMERCE 230 E BUTLER PKWY GAINESVILLE GA 30501 580251406 501(C)(6) 5345 0 N/A N/A GENERAL SUPPORT GREATER NORTH FULTON CHAMBER OF COMMERCE 10000 AVALON BLVD SUITE 100 ALPHARETTA GA 30009 581157316 501(C)(6) 7660 0 N/A N/A GENERAL SUPPORT JOHNSON STEM ACTIVITY CENTER 275 DECATUR ST SE ATLANTA GA 30312 820791967 501(C)(3) 10000 0 N/A N/A GENERAL SUPPORT JR ACHIEVEMENT OF GEORGIA INC 275 NORTHSIDE DRIVE NW ATLANTA GA 84101 580598050 501(C)(3) 36000 0 N/A N/A GENERAL SUPPORT KENNESAW STATE UNIVERSITY 1000 CHASTAIN RD NW KENNESAW GA 30144 580965786 501(C)(3) 8900 0 N/A N/A GENERAL SUPPORT LEAP YEAR INC 352 UNIVERSITY AVE SW SUITE S-123 ATLANTA GA 30310 811224809 501(C)(3) 10000 0 N/A N/A GENERAL SUPPORT MEALS ON WHEELS ATLANTA 1705 COMMERCE DR NW ATLANTA GA 30318 580960309 501(C)(3) 7500 0 N/A N/A GENERAL SUPPORT NATIONAL BLACK ARTS FESTIVAL 1429 FAIRMONT AVE NW SUITE J ATLANTA GA 30318 581736780 501(C)(3) 8500 0 N/A N/A GENERAL SUPPORT NSORO EDUCATIONAL FOUNDATION 1349 W PEACHTREE ST NW ATLANTA GA 30309 870758361 501(C)(3) 7500 0 N/A N/A GENERAL SUPPORT REIMAGINE ATL INC 100 FLAT SHOALS AVE BOX 3 ATLANTA GA 30316 582636418 501(C)(3) 7500 0 N/A N/A GENERAL SUPPORT SCIENCE ATL 91 PEACHTREE ST NE STE 3400 ATLANTA GA 30310 471652595 501(C)(3) 22500 0 N/A N/A GENERAL SUPPORT SECU FOUNDATION 119 N SALISBURY ST 11TH RALEIGH GA 27603 562255292 501(C)(3) 20446 0 N/A N/A GENERAL SUPPORT STRIVE ATLANTA 236 FORSYTH STREET SW SUITE 502 ATLANTA GA 30303 133255679 501(C)(3) 7500 0 N/A N/A GENERAL SUPPORT TREES ATLANTA 825 WARNER ST SW SUITE A ATLANTA GA 30310 581584758 501(C)(3) 13000 0 N/A N/A GENERAL SUPPORT UNITED WAY OF GREATER ATLANTA 40 COURTLAND ST NE 300 ATLANTA GA 30303 580566194 501(C)(3) 6000 0 N/A N/A GENERAL SUPPORT WELLROOT FAMILY SERVICES 1967 LAKESIDE PKWY SUITE 400 TUCKER GA 30084 580632081 501(C)(3) 10000 0 N/A N/A GENERAL SUPPORT WELLSPRING LIVING 1040 BOULEVARD SE SUITE M ATLANTA GA 30312 582614182 501(C)(3) 12500 0 N/A N/A GENERAL SUPPORT 33 3 HBCU SCHOLARSHIP 5 25000 0 N/A N/A DELTA COMMUNITY SCHOLARSHIP PROGRAM 5 25000 0 N/A N/A PART I, LINE 2: DELTA COMMUNITY REQUIRES THAT ALL GRANTEE RECIPIENTS SUBMIT AN IMPACT REPORT AT THE CLOSE OF EACH GRANT PERIOD (NOVEMBER 30TH). THIS INDUSTRY STANDARD HIGHLIGHTS THE GOALS ACHIEVED, IMPACT MADE AND RETURN ON INVESTMENT BY DELTA COMMUNITY AND THE ORGANIZATION. REGARDING THE SCHOLARSHIPS, THE CREDIT UNION MAINTAINS WRITTEN POLICIES AND PROCEDURES REGARDING THE DISTRIBUTION OF GRANT FUNDS TO ORGANIZATIONS AND INDIVIDUALS. THESE DETAIL ALL REQUIREMENTS FOR THE FUNDS AS WELL AS HOW THE FUNDS ARE TO BE DISTRIBUTED AND USED. X X X 1 1 X X X X 0 1 0 HANK HALTER PRESIDENT & CEO 896941 0 669226 0 105149 0 497451 0 9460 0 2178227 0 0 0 JAY GRATWICK EVP & CFO 445738 0 266060 0 478621 0 205549 0 26221 0 1422189 0 361251 0 TIM MITCHELL SVP & CIO 354839 0 189056 0 712930 0 109183 0 17195 0 1383203 0 627984 0 BOB WALSH EVP & CLO 445738 0 266060 0 216496 0 205549 0 18295 0 1152138 0 188565 0 MATTHEW SHEPHERD EVP & COO 517829 0 315946 0 38381 0 243842 0 24621 0 1140619 0 0 0 SUZANNE MITCHELL SVP HR 312932 0 166729 0 271925 0 99550 0 9460 0 860596 0 236350 0 BOB MANNING SVP & GENERAL COUNSEL 397621 0 211850 0 21048 0 119022 0 17209 0 766750 0 0 0 PAM DAVIS SVP BRANCH DELIVERY & OPERATIONS 335625 0 179316 0 15844 0 108200 0 600 0 639585 0 0 0 BILL BUCHANAN SVP & CRO 328646 0 175101 0 14436 0 103163 0 0 0 621346 0 0 0 BILL MESPLAY SVP REMOTE DELIVERY 297827 0 158306 0 10387 0 96019 0 11533 0 574072 0 0 0 RICHARD ELLIS AVP-COMMERCIAL LENDING 180997 0 291115 0 1028 0 27600 0 26139 0 526879 0 0 0 DAVID CASEY FINANCIAL ADVISOR 417597 0 41779 0 3494 0 27600 0 24621 0 515091 0 0 0 ERIC A LATIMER VP-COMMERCIAL LENDING 221070 0 222209 0 5656 0 27600 0 26221 0 502756 0 0 0 ABDUL HUSSAIN VP-INFORMATION SECURITY 261706 0 112054 0 3030 0 27600 0 26221 0 430611 0 0 0 JULIE BATES VP-RETIREMENT & INVESTMENTS 229235 0 96036 0 8136 0 27600 0 26020 0 387027 0 0 0 PART I, LINE 1A THE ORGANIZATION HAS AUTHORIZED GYM DUES FOR ALL EMPLOYEES WHICH IS PAID THROUGH THEIR W-2. ADDITIONALLY, THE ORGANIZATION HAS AUTHORIZED TRAVEL FOR COMPANIONS AND FIRST CLASS TRAVEL FOR CERTAIN MEMBERS OF MANAGEMENT. PART I, LINE 4B THE CREDIT UNION HAS A 457(F) PLAN FOR VARIOUS MEMBERS OF MANAGEMENT. THE FOLLOWING 457(F) CONTRIBUTIONS WERE MADE BY THE CREDIT UNION DURING 2024: HANK HALTER - $469,851 MATTHEW SHEPARD - $216,242 JAY GRATWICK - $177,949 BOB WALSH - $177,949 BOB MANNING - $91,422 TIM MITCHELL - $81,583 PAM DAVIS - $80,600 BILL BUCHANAN - $75,563 SUZANNE MITCHELL - $71,950 BILL MESPLAY - $68,419 THE FOLLOWING 457(F) DISTRIBUTIONS WERE MADE BY THE CREDIT UNION DURING 2024: TIM MITCHELL - $696,109 JAY GRATWICK - $450,226 SUZANNE MITCHELL - $260,094 BOB WALSH - $188,565 FORM 990, PART VI, SECTION A, LINE 1A THE BOARD OF DIRECTORS, BY TWO-THIRDS VOTE (2/3) OF THE BOARD, MAY DESIGNATE AN EXECUTIVE COMMITTEE, CONSISTING OF THE CHAIRPERSON OF THE BOARD, VICE CHAIRPERSON, SECRETARY, TREASURER, AUDIT COMMITTEE CHAIRPERSON, ANY OTHER DESIGNATED DIRECTOR AND THE CHIEF EXECUTIVE OFFICER OF THE CREDIT UNION. THE EXECUTIVE COMMITTEE MAY EXERCISE OVERSIGHT AUTHORITY OF THE BOARD OF DIRECTORS IN THE MANAGEMENT OF THE BUSINESS AND AFFAIRS OF THE CREDIT UNION. THE EXECUTIVE COMMITTEE SHALL BE RESPONSIBLE FOR (I) ESTABLISHING AND/OR APPROVING ALL EXECUTIVE LEVEL MANAGEMENT COMPENSATION, INCLUDING BUT NOT LIMITED TO SALARIES, VARIABLE COMPENSATION, VACATION PAYOUTS, SEVERANCE PAY AND 457(F) DEFERRED COMPENSATION PLANS FOR THE CEO, PRESIDENT, EXECUTIVE VICE PRESIDENTS AND SENIOR VICE PRESIDENTS; AND (II) APPROVING ANNUAL VARIABLE COMPENSATION PAYOUTS TO ALL CREDIT UNION EMPLOYEES. THE EXECUTIVE COMMITTEE SHALL DESIGNATE ONE OF ITS MEMBERS AS THE PLAN ADMINISTRATOR FOR ALL 457(F) DEFERRED COMPENSATION PLANS AND SUCH DESIGNEE SHALL HANDLE ALL ADMINISTRATIVE DECISIONS RELATING THERETO. IN ADDITION, SUCH DESIGNEE SHALL BE RESPONSIBLE FOR COMMUNICATING AS NECESSARY WITH THE THIRD PARTIES ON MATTERS OF COMPENSATION OF EXECUTIVE LEVEL MANAGEMENT, INCLUDING BUT NOT LIMITED TO MATTERS RELATING TO CHANGE IN COMPENSATION. ALL ACTIONS OF THE EXECUTIVE COMMITTEE SHALL REQUIRE THE VOTE OF TWO-THIRDS (2/3) OF ALL ITS MEMBERS ELIGIBLE TO VOTE ON A MATTER AND ALL DECISIONS RELATING TO COMPENSATION SHALL ADDITIONALLY REQUIRE A WRITTEN APPROVAL MEMORIALIZING THE DECISION OF THE EXECUTIVE COMMITTEE, SIGNED BY THE CHAIRMAN. THE EXECUTIVE COMMITTEE MAY NOT, HOWEVER, (A) APPROVE OR PROPOSE TO THE MEMBERS ACTIONS WHICH THE CODE OR THESE BYLAWS REQUIRES TO BE APPROVED BY THE MEMBERS; (B) FILL VACANCIES ON THE BOARD OF DIRECTORS OR ANY OF ITS COMMITTEES; (C) AMEND THE BYLAWS OF THE CREDIT UNION; (D) APPROVE OR RECOMMEND TO THE MEMBERS A PLAN OF MERGER OR CONSOLIDATION, A SALE, LEASE OR EXCHANGE OF ALL OR SUBSTANTIALLY ALL OF THE CREDIT UNION'S PROPERTY AND ASSETS, OR ANY DISSOLUTION OR LIQUIDATION OF THE CREDIT UNION; OR (E) AUTHORIZE INDEMNIFICATION OF ANY OFFICER OR DIRECTOR AS PROVIDED IN ARTICLE IX OF THESE BYLAWS. THE BOARD OF DIRECTORS MAY REMOVE MEMBERS OF THE EXECUTIVE COMMITTEE. ACTIONS OF THE EXECUTIVE COMMITTEE SHALL BE REPORTED TO THE BOARD OF DIRECTORS AS THE BOARD SHALL PRESCRIBE AT EACH REGULAR MEETING OF THE BOARD. FORM 990, PART VI, SECTION A, LINE 6 MEMBERS OF THE CREDIT UNION SHALL BE: -ANY PERSONS WHO ARE OR HAVE BEEN EMPLOYEES OF DELTA AIRLINES, INC. AND THEIR IMMEDIATE FAMILY MEMBERS OR DOMESTIC PARTNER. -ANY PERSONS WHO ARE OR HAVE BEEN EMPLOYEES AND THEIR IMMEDIATE FAMILY MEMBERS OR DOMESTIC PARTNER OF OTHER GROUPS INCLUDED IN THE CREDIT UNION'S BYLAWS AND APPROVED BY THE BOARD OF DIRECTORS. -NON-PROFIT ORGANIZATIONS WHOSE EMPLOYEES, MEMBERS OR OWNERS ARE PRIMARILY COMPOSED OF PERSONS OR ORGANIZATIONS INCLUDED IN THE ABOVE MEMBERSHIP CRITERIA, AND ALL EMPLOYEES, MEMBERS AND OWNERS OF SUCH ORGANIZATIONS. FORM 990, PART VI, SECTION A, LINE 7A BOARD MEMBERS ARE ELECTED BY MEMBERSHIP. EACH MEMBER OF THE CREDIT UNION HAS ONE VOTE. FORM 990, PART VI, SECTION A, LINE 7B AT ANY MEETING THE MEMBERS (BY ONE MEMBER, ONE VOTE) MAY DECIDE ON ANY MATTER OF INTEREST TO THE CREDIT UNION AND MAY OVERRULE THE BOARD OF DIRECTORS PROVIDED THE NOTICE OF THE MEETING SPECIFIES THE QUESTION TO BE CONSIDERED. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS PREPARED BY THE ORGANIZATION'S INDEPENDENT ACCOUNTING FIRM BASED ON THE INFORMATION PROVIDED BY MANAGEMENT. ONCE THE DRAFT IS AVAILABLE, IT IS REVIEWED BY MANAGEMENT AND ANY CHANGES INCORPORATED INTO THE FILING. THE FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS PRIOR TO FILING WITH THE IRS. FORM 990, PART VI, SECTION B, LINE 12C THE EMPLOYEE HANDBOOK SPELLS OUT THE COMPANY'S CONFLICT OF INTEREST POLICY AND REQUIRES EMPLOYEES TO REPORT ALL CONFLICTS OF INTEREST OR POTENTIAL CONFLICTS OF INTEREST TO MANAGEMENT AND/OR THROUGH THE ETHICS/COMPLIANCE HOTLINE NUMBER OR VIA THE INTERNET LINK. EMPLOYEES MUST REPORT ANY POTENTIAL CONFLICT OF INTEREST TO THEIR MANAGER, WHO IN TURN WOULD REPORT THE MATTER TO THE COMPANY'S GENERAL COUNSEL AND THE CHIEF RISK OFFICER FOR A DETERMINATION. ADDITIONALLY, IF AN EMPLOYEE SUSPECTS A CONFLICT OF INTEREST INVOLVING A FELLOW EMPLOYEE, THEY CAN REPORT IT VIA THE ETHICS/COMPLIANCE HOTLINE, WHICH WOULD THEN BE ELEVATED TO THE GENERAL COUNSEL AND THE CHIEF RISK OFFICER FOR A DETERMINATION. FORM 990, PART VI, SECTION B, LINE 15 THE COMPENSATION OF THE TOP MANAGEMENT OFFICIAL, OTHER OFFICERS, AND KEY EMPLOYEES WAS DETERMINED BY THE COMPENSATION COMMITTEE (CONSISTING OF INDEPENDENT DIRECTORS) USING INDUSTRY COMPETITIVE SURVEYS FOR SIMILAR POSITIONS. ALL DISCUSSIONS AND DELIBERATIONS ARE DOCUMENTED IN THE MINUTES OF THE MEETINGS HELD. THIS PROCESS WAS MOST RECENTLY CONDUCTED IN 2024. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION MAKES ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC THROUGH THE ORGANIZATION'S WEBSITE. FORM 990, PART IX, LINE 24E LOAN SERVICE & COLLECTION 12,546,590. OTHER EXPENSES 656,257. MEMBERSHIP DUES 516,960. FORM 990, PART XII, LINE 2C: THE ORGANIZATION HAS NOT CHANGED ITS OVERSIGHT OR SELECTION PROCESS DURING THE TAX YEAR. MEMBERS INSURANCE ADVISORS LLC 315 HWY 74 N PEACHTREE CITY GA 30269 261084051 INSURANCE GA 5745694 24701163 DELTA COMMUNITY CREDIT UNION