e next 75 years - georgia's own credit union...messages addressing topics such as title pawns,...
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![Page 1: e Next 75 Years - Georgia's Own Credit Union...messages addressing topics such as title pawns, the truth behind 0% Qnancing, and responsible mortgage lending. From$160andeightmembersto$1.5billioninassetsandalmost150,000members,Georgia’sOwnis](https://reader035.vdocuments.net/reader035/viewer/2022070917/5fb7e800be8091090a293723/html5/thumbnails/1.jpg)
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e Next 75 Years
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Georgia’s Own at a Glance
Georgia’s Own 75 Year Timeline
Letter to Our Members
Charlotte S. Ayers Quote
2009 Highlights
Board Photos
Financials
Products & Services
Contact Information
Branch Locations
Upcoming 2010 Events
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Page 14
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Page 16
Table of Contents
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Georgia’s Own Credit Union is a full service, not-for-proQtQnancial institution founded in 1934. With nearly 150,000members and $1.5 billion in assets, Georgia’s Own is one ofthe strongest, largest and most trusted Qnancial institutionsin the state.
In addition to 439 premier partners served by Georgia’sOwn, residents of Chatham, Cherokee, Cobb, DeKalb, Douglas,Effingham, Forsyth, Fulton, Gwinnett, Hall, Richmondand Rockdale Counties are parts of the Credit Union’s Qeldof membership. The Credit Union is the oPcial partner ofthe Atlanta Thrashers, as well as Junior Achievementof Georgia.
Georgia’s Own currently has 21 branch locations, providesfree, 24/7 home banking, phone service and bill pay,features a comprehensive call center and oOers 50,000 plussurcharge-free ATMs. The Credit Union is also part of the CUService Center Network, which enables members toconduct their credit union transactions at 3,942 locations
throughout the country. Deposits at Georgia’s Own arefederally insured by NCUA for up to $250,000 withretirement accounts being insured separately up to thesame limit.
Much of the Credit Union’s resources are organized aroundfostering innovation, providing continuous learningopportunities, developing lifelong relationships withmembers, proactively identifying new market opportunities,ensuring financial stability and exemplifying social andenvironmental responsibility. Beyond these guiding principles,the Credit Union operates according to the following coretenets:
We Stand for the Prosperity of Our Members.We Stand for Unmatched Service; andWe Stand for a Healthy Planet.
For more information on Georgia’s Own Credit Union, visitgeorgiasown.org.
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Georgia’s Own Credit Union at a Glance
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1930’s 1940’s 1950’s 1960’s
1934
▲
First known as Atlanta
Telco, Georgia’s Own
Credit Union was
founded by a group of
telephone company
employees with an
initial investment of
$160, eight members and
a simple philosophy of
people helping people.
75 Years Strong
▲
Atlanta Telco consisted of 2,297 members
and an asset size of $240,326. Under a
new charter, Atlanta Telco was renamed
Georgia Telco Credit Union. By the late 1940’s,
Georgia Telco’s asset size was $1,296,768 and
membership had grown to over 6,000.
1944
▲
1955
Due to rapid growth, Georgia Telco
moved from the small oPce space
on Auburn Avenue to the Hurt
Building.
▲
1967
By the late 60’s membershipwas 20,631 and assetsclimbed to $21,383,045.
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1970’s 1980’s 1990’s 2000’s
1976
▲
Insured savings was introduced,
allowing member savings to
be insured to $40,000. During
this decade, membership numbers
grew to 33,934 and assets to
$91,083,270. Georgia Telco
opened its Qrst branch at 125
Perimeter Center.
▲
Georgia Telco’s asset size reached $100 million. In1981, Georgia Telco’s main off ices were movedfrom the Hurt Building to Southern Bell Center andChecking Accounts and Savings Certificates wereadded to the Credit Union’s l ist of products andservices. In 1984 assets exceeded $200 million.
1981
▲
1999
Loan OPcer and Mortgage Departments were
formed, and Georgia Telco relocated to the
Campanile Building. In 1999, Georgia Telco
partnered with over 135 companies to oOer the
beneQt of Credit Union membership with over
70,000 members and 13 branch offices.
Celebrating its 65th Anniversary, Eloise Woods,
the President and CEO, retired after 52 years of
service, and Charlotte S. Ayers was named
President and CEO of the then $690 million
dollar credit union.
▲
2007
In 2005, with 439 premier partners, the Credit Union expanded its field ofmembership to serve more people than any other time in history. To reRectchanges in the credit union industry, Georgia Telco became Georgia’s Own CreditUnion in 2007. By 2009,Georgia’s Own Credit Union soared to $1.5 billion inassets and close to 150,000 members with 21 branch locations. Today Georgia’sOwn is one of the largest credit unions in the state.
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Dear Member,
The capacity to weather economic downturn is as important today as it was in 1934 when the CreditUnion Qrst began and when our nation was in economic turmoil. In fact for 75 years, Georgia’s Own hasconsistently demonstrated its ability to navigate through changing economic and business conditions- -emerging resilient, adaptable and squarely focused on operating in the best interest of our members.This aptitude has, over time, allowed our organization to meet changing market forces, while creatingnew solutions to help our members succeed, and ultimately contributed to our reputation as one of theoldest, largest and most trusted Qnancial institutions in the state.
As we embark on the next 75 years, we not only celebrate the strength of the vision of our founders, butwe also aPrm our commitment to continue to build a legacy of service and responsibility. During theseeconomically challenging times, such a promise is especially powerful, as people have experiencedan increased reliance on tangible value and trusted solutions.
In 2009, our approach to providing these critical needs was basic and straight forward -- we simplycontinued to adhere to our core principles articulated in our brand tenets: We Stand for the Prosperityof our Members, We Stand for Unmatched Service, and We Stand for a Healthy Planet. By channeling ourdecisions through these important Qlters, Georgia’s Own Credit Union not only experienced recordgrowth in 2009, we more importantly demonstrated why we continue to be a trusted advisor and friendto the consumer.
Extraordinary Times . . . Extraordinary Growth
With a healthy capital position, expansive distribution channels and a corporate culture of excellence,Georgia’s Own Credit Union is known as a strong and valuable partner. As such, we were pleased towelcome both Retail Employees Credit Union and GPC Credit Association to the Georgia’s Own CreditUnion family in 2009. In addition to the expanded branch network enabled by these mergers, the CreditUnion enhanced its service span by opening a new, full service Douglasville facility. We also brokeground on a new state-of-the-art location in Grayson and continued to broaden our product/serviceline in 2009 to maximize convenience, security and value to our members. In addition to adding 49premier partners to our field of membership during the year, Georgia’s Own welcomed residents ofDouglas, Richmond and EPngham Counties to the Credit Union family. During the year, as a result of poor economicconditions, our federal regulator, NCUA, implemented the Corporate Stabilization Plan to ensure corporatecredit unions had the funds needed to manage through the economic recession and meet their regulatorycapital requirements. Corporate credit unions are wholesale Qnancial institutions that provide lendingand depository services to the country’s 7,800 retail credit unions, including Georgia’s Own, on abusiness-to-business basis. Because the ongoing health of corporate credit unions is important to theentire retail credit union system, credit unions were required to inject capital into the corporate system.While the write down of this signiQcant expense in 2009 caused declines in both capital and income,our Qnancial strength allowed us to absorb this unanticipated cost and moreover continued to fuel ourgrowth momentum. SpeciQcally, membership growth soared to an all time high of 148,748, up 23%from 2008. Likewise, outstanding loan balances rose to $777,570,743, up 9.9%, and assets climbedto $1,518,221,119 at yearend, up 22.3%. While this level of growth is indicative of a strong brand,it also yields direct beneQt to our membership since, as a not-for-proQt collaborative, the more people thattake advantage of credit union membership, the greater the beneQt.
The Credit Union also launched a bold new initiative for young people known as i[x]ga in 2009.This progressive program takes financial literacy seriously, delving not only into the crux of financial
Letter to Our Members
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illiteracy, but also honing the power of social media for an exponential impact. As a result of the scopeand purpose of this creative program, Georgia’s Own was honored to be named the oPcial partner ofJunior Achievement of Georgia and scored high proQle interviews for the i[x]ga magazine, including popsensation, Justin Bieber, baseball pro, Brian McCann and Atlanta Thrashers forward, Jim Slater.
Beyond our Qnancial strength, our enhanced infrastructure and the unsurpassed growth experienced in2009, Georgia’s Own remained true to its mission of helping others succeed. In fact, in a time when otherorganizations cut back on charitable giving, Georgia’s Own ramped up its philanthropic efforts,participating in numerous charitable events that benefited organizations such as United Way,the American Heart Association, Children’s Healthcare of Atlanta, the Brain Tumor Foundation forChildren, the National Veterans’ Wheelchair Games, and the Special Citizens of Atlanta. We alsostrengthened our commitment to the environment by using recycled paper and soy ink, by providingrecycle/shred bins in each of our branch locations and by oOering signiQcantly discounted rates for greenborrowing. In addition to awarding $15,000 in scholarship in 2009, our education initiatives such as theannual Home Buyers Expo and Credit Score Enhancement Seminars continued to help our membersnavigate through economic uncertainty. The Credit Union also provided ongoing consumer advocatemessages addressing topics such as title pawns, the truth behind 0% Qnancing, and responsible mortgagelending.
From $160 and eight members to $1.5 billion in assets and almost 150,000 members, Georgia’s Own isa 75 year success story by virtually every standard. So where does an organization go after 75 years ofundisputed achievement? The answer is simple – we go where our members need us to go. We respondin a reliable manner to the financial ebbs and flows natural to most families. We continue toinnovate and to lend in a time when others are not; we continue to invest in technology and inour people, and we never forget that at the end of the day, we are a value based business, here,quite simply, to serve you.
Georgia’s Own was founded during economically challenging times to improve the Qnancial wellbeingof our members. 75 years later, this mission is as relevant as ever. While we have seen numerous changessince our organization’s inception, rest assured, we will continue to put our 75 years of successfulexperience and integrity to work for you. Although, we are expecting another challenging year in 2010,we are well positioned to make the adjustments necessary to respond to the economic environmentand look forward to delivering real value to you and your family . . . for the next 75 years and beyond. Asalways, it is our distinct honor to serve you. We appreciate your business.
Sincerely,
Charlotte S. Ayers, President & CEO
Joseph M. Mauriello, Chairperson
Letter to Our Members
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As we embark on the next 75
years, we not only celebrate
the strength of the vision of
our founders, but we also
aPrm our commitment to
continue to build a legacy of
service and responsibility.
-Charlotte S. Ayers,
President & CEO
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2009 Highlights
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Reached $1,518,221,119 in assets, up 22.3% over 2008
Maintained a healthy capital ratio of 11.4% as of December 31,2009, well above what regulators classify as ‘well capitalized’
Was among the industry leaders in terms of membership growthat 23% for a yearend total of148,748
Increased outstanding loan balances by 9.9% to end the year at$777,570,743
Returned more than $24,494,083 to members in the formof superior deposit rates
Added 49 sponsor groups, as well as Douglas, Richmond andEffingham counties to our Qeld of membership
Opened a new branch in Douglasville and broke ground on a fullservice facility in Grayson
Successfully merged both Retail Employees Credit Union andGPC Credit Association
Launched the i[x]ga program to remarkably educate andempower Georgia’s youth and secured the status of officialpartner of Junior Achievement of Georgia to expand the reachand impact of Qnancial literacy education in our state
Awarded $15,000 in scholarships and conducted numerouseducational seminars, ranging from Credit Score Enhancementto Home Buying
Formed Members Solution Team to assist those adverselyimpacted by the current economic climate
Participated and contributed to various community andcharitable causes, including United Way, the American HeartAssociation, Children’s Healthcare of Atlanta, the Brain TumorFoundation for Children, the Piedmont Park Conservancy,HOOPATLANTA beneQting the prevention of childhood obesityand the Special Citizens of Atlanta
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Expanded our commitment to become a greenerorganization and became a Philips Arena Green Partner
Sponsored the University of Georgia/Georgia Techfootball game as a means of introducing credit unionservices to a broader audience
Became the oPcial partner of the Atlanta Thrashers
Partnered with WSB Channel 2 to bring high schoolfootball and select college football games to the Atlantaviewing audience
Partnered with premier sponsors to bring the collegefootball kick-off game to Atlanta, including game dayfestivities at Centennial Olympic Park
2009 Highlights
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B o a r d o f d i r e c t o r s
Michael BaumgartnerJoseph MaurielloChairperson
Charlotte Ayers
Richard Burns
Patrick CaseyPresident & CEO TreasurerVice Chairperson
William Conine Frances Doherty
Larry Fowler C. Edward Heath Gary Ludgood Joan Sims
John WhiteSecretary
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Ervin Walker Photography by Travis Massey
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s t a t e M e N t o f f i N a N c i a L c o N d i t i o N
Assetscash and cash equivalentsinvestment securities held-to-maturity Loans - net of allowance for loan lossesaccrued interest receivableProperty and equipmentNcUsif insurance depositPrepaid expenses and other assets
Total Assets
Liabilities and Members’ Equity
checking accountsMoney Market accountssavings accountssavings certificatesindividual retirement accountsother liabilities
Total Liabilities
statutory reserveUndivided earnings
Total Members’ Equity
Total Liabilities and Members’ Equity
$ 108,061,146568,769,361777,570,743
4,641,97814,014,75712,821,69732,341,437
$ 1,518,221,119
$ 136,715,137228,005,477323,156,448475,691,911175,385,070
18,409,798
1,357,363,841
27,654,749133,202,529
160,857,278
$ 1,518,221,119
December 31, 2009
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s t a t e M e N t o f i N c o M e
s t a t e M e N t o f M e M B e r s ’ e q U i t y
$ 24,938,373 $ 146,280,644
- -
1,305,401
$ 145,368,556
$ 159,932,925
(879,935)
1,305,401
$ 160,857,278
Total
Balance, January 1, 2009
other comprehensive income, net
Net income
Balance, december 31, 2009
StatutoryReserve
UndividedEarnings
$ 27,654,749
-
Year Ended December 31, 2009
Interest Incomeinterest on loans interest on investment securities
Interest Expensedividends/interest on members' accounts
Net interest income
Provision for loan losses
Net interest income after provision for loan losses
Other income
Operating ExpenseGeneral and administrative
compensation and benefits occupancy expense office operations expense Professional and outside services other
Net Income
$ 46,901,88712,814,74259,716,629
24,494,083
35,222,546
8,487,867
26,734,679
18,791,949
18,226,2253,092,5129,803,6855,058,1818,040,624
44,221,227
$ 1,305,401
Year Ended December 31, 2009
(11,286,092)
(879,935)
-
($12,166,027)
Accumulated OtherComprehensive
Income
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926,365 (901,131) 25,234recU Merger
1,790,011 (1,316,358) 473,653GPc Merger
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Savings Accounts
Regular Savings
Holiday Savings
Money Market Accounts
Savings Certificates
Individual Retirement Accounts
Health Savings Accounts
Checking Accounts
All Access Checking
i Checking
Golden Bell Checking
Visa®Check Card Services
Overdraft Privilege
ATM
Loans
New & Used Auto Loans
Boat, RV & Motorcycle Loans
ATV, Jet Ski & Snowmobile Loans
Farm Tractor Loans
Savings & Stock Secured Loans
Student Loans
Day Notes
CreditAble Loans
Green Loans
Lifestyle Loans
Mortgage Loans
1st Mortgage Loans
ReadiEquity Line of Credit Loans
Home Equity Fixed Rate Loans
Refinances
Credit Cards
Visa Platinum Card
Visa Gold Card
Student Visa Card
Secured Visa Card
Special Services
MEMBERS Financial Services*
Golden Bell Program
i[x]ga
Cub Club Program
Car Solutions Auto Buying Service
Extended Warranty Program
Payment Protection Insurance
Electronic Services
Georgia’s Own Website - georgiasown.org
Home Banking
Bill Pay
e-Statements
TELE-TALKPlus - touch-tone
phone service
24-hour Visa Phone Service
24-hour Loan Service
50,000 plus surcharge-free ATMs
Other Services
LOANLINER®Lending Plan
Electronic Direct Deposit
Payroll Deductions
Traveler’s Checks
Cashier’s Checks
Free Notary Service
Safe Deposit Boxes (select locations)
Savings Bond Redemption
Signature Guarantee Service
Coin Counter (select locations)
Member Services
Local (404) 874-1166
Nationwide (800) 533-2062
Monday-Friday 8AM - 5PM
General Offices
(404) 874-0777
Monday-Friday 9AM - 4PM
Mortgage Services
Local (404) 874-1166
Nationwide (800) 533-2062
Monday-Friday 8AM - 5PM
Visa® Credit Card Services
Local (404) 874-1166
Nationwide (800) 533-2062
Monday-Friday 8AM - 5PM
24/7 SERVICES
Internet Address
georgiasown.org
24/7 Loan Service
Local (404) 874-1166
Nationwide (800) 533-2062
TELE-TALKPlus
Local (404) 874-0242
Nationwide (800) 533-3817
P r o d U c t s a N d s e r v i c e s
*Representatives are registered through, and securities are sold
through, CUNA Brokerage Services, Inc. (CBSI), member NASD/SOPC,
2000 Heritage Way Waverly, Iowa 50677, toll-free (866) 512 6109.
Insurance sold through licensed CUNA Mutual Life Insurance
Company Representatives, and in New York, licensed insurance
representatives of other companies. Non-deposit investmentproducts
are not federally insured, involve investment risk, may lose value and
are not obligations of or guaranteed by the credit union.
c o N t a c t i N f o r M a t i o N
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B r a N c h L o c a t i o N s
Alpharetta Branch
5825 Windward Pkwy
Alpharetta, Georgia
AT&T Midtown Center Branch
Concourse Level
675 West Peachtree Street NE
Atlanta, Georgia
Century Center Branch
2200 Century Parkway, Suite 4
Atlanta, Georgia
Douglasville Branch
7421 Douglas Blvd., Suite P
Douglasville, Georgia
Gainesville Branch
475 Dawsonville Hwy, Suite F
Gainesville, Georgia
Lilburn Branch
4382 Lawrenceville Highway
Lilburn, Georgia
Macy’s Service Center
4401 Sarr Parkway
Stone Mountain, Georgia
(closed 1:30pm-2pm)
Restricted Access
Macy’s Systems & Technology
5985 State Bridge Rd.
Duluth, Georgia
(closed 1:30pm-2pm)
Restricted Access
Marietta Branch
401 Cobb Parkway N
Marietta, Georgia
Morrow Branch
7197 Highway 54
Morrow, Georgia
Norcross Branch
4830 Peachtree Industrial Blvd
Norcross, Georgia
Northlake Branch
Lakeside Centre Office Park
1979 Lakeside Parkway, Suite 100
Tucker, Georgia
Above Branch Hours
Monday-Thursday 9AM - 4PM
Friday 9AM - 5:30PM
Friday 9AM - 5PM (Morrow)
Saturday Branches
Alpharetta Branch
Douglasville Branch
Gainesville Branch
Lilburn Branch
Marietta Branch
Morrow Branch
Norcross Branch
Northlake Branch
Savannah Mall Blvd. Branch
Saturday 9AM - 1PM
Campanile Branch
Campanile Building
1155 Peachtree Street NE, Lobby
Atlanta, Georgia
Lindbergh Branch
Atrium Level
575 Morosgo Drive
Atlanta, Georgia
Perimeter Branch
1117Perimeter Center West, Suite E102
Atlanta, Georgia
Above Branch Hours
Monday-Friday 9AM - 4PM
GPC Main
133 Peachtree Street
Atlanta, Georgia
Monday-Friday 9AM - 4:30PM
Wildwood Branch
4300 Wildwood Pkwy
Atlanta, Georgia
Monday-Friday 9AM - 4:30PM
Conyers Branch
620 Sigman Road, Suite 100
Conyers, Georgia
Monday-Thursday 8:30AM - 4PM
Friday 8AM - 4:30PM
Augusta Location
Augusta Branch
1347 Augusta West Pkwy, Suite 1
Augusta, Georgia
Monday-Wednesday 9AM - 4PM
Thursday-Friday 9AM - 5:30PM
Savannah Locations
Savannah Whitaker Street Branch
10 Whitaker Street, Suite A
Savannah, Georgia
Monday-Friday 9AM - 4PM
Savannah Mall Boulevard Branch
401 Mall Boulevard
Savannah, Georgia
Lobby & Drive-thru hours
Monday, Thursday 9AM - 5PM
Tuesday, Wednesday 9AM - 4PM
Friday 9AM - 6PM
Saturday Lobby 9AM - 1PM
Saturday Drive-thru 9AM - 2PM
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Upcoming 2010 EventsAtlanta Spirit Sponsorship and Philips Arena Green Partner
All Access April and October
Georgia’s Own Battle
(Georgia Tech vs. University of Georgia Basketball)
International Credit Union Day and Youth Week Celebration
Green Day at Alpharetta Branch
Opening of Our Grayson Branch
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This report was printed by a Sustainable Forestry Initiative® (SFI) and Forest
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content ink.
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We Stand for theProsperity of Our Members
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Georgia’s Own Credit Uniongeorgiasown.org
404.874.1166 800.533.2062
1155 Peachtree Street NE P.O. Box 105205 Atlanta, GA 30348