Nonprofit · EIN 23-7056307
STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA
Also known as GUCO CREDIT UNION
Tax-exempt · GREENVILLE, NC 27858
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $551,867 | $515,254 | $36,613 | $9,837,812 | $8,024,808 | $1,813,004 |
| December 31, 2024 | 990 | $490,662 | $523,124 | -$32,462 | $9,826,781 | $8,050,391 | $1,776,390 |
| December 31, 2023 | 990 | $384,675 | $375,997 | $8,678 | $10,454,891 | $8,639,039 | $1,815,852 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $423,448
- Investment income
- $128,419
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $185,219
- Salaries, compensation and benefits (total)
- $257,190
- Professional fundraising fees
- $0
- Occupancy
- $26,483
Balance sheet and other
- Total assets, start of year
- $9,826,781
- Total assets, end of year
- $9,837,812
- Total liabilities, end of year
- $8,024,808
- Net assets, end of year
- $1,813,004
- Land, buildings and equipment
- $6,629
- Gross receipts
- $551,867
- Employees
- 3
- Volunteers
- 8
- Year formed
- 1970
- State of legal domicile
- NC
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Tony L Smart | President Trustee or director, Officer | 5 | $0 |
| Janet V Drinnon | Vice-President Trustee or director, Officer | 5 | $0 |
| Jeffery Scott Mullis | Secretary/Treasurer Trustee or director, Officer | 5 | $0 |
| James B Beddard | Director Trustee or director | 5 | $0 |
| Julius E Patrick | Director Trustee or director | 5 | $0 |
990 for the year ended December 31, 2024: 5 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Tony L Smart | President Trustee or director, Officer | 5 | $0 |
| Janet V Drinnon | Vice-President Trustee or director, Officer | 5 | $0 |
| Jeffery Scott Mullis | Secretary/Treasurer Trustee or director, Officer | 5 | $0 |
| James B Beddard | Director Trustee or director | 5 | $0 |
| Julius E Patrick | Director Trustee or director | 5 | $0 |
990 for the year ended December 31, 2023: 5 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Tony L Smart | President Trustee or director, Officer | 5 | $0 |
| Janet V Drinnon | Vice-President Trustee or director, Officer | 5 | $0 |
| Jeffery Scott Mullis | Secretary/Treasurer Trustee or director, Officer | 10 | $0 |
| James B Beddard | Director Trustee or director | 5 | $0 |
| Julius E Patrick | Director Trustee or director | 5 | $0 |
Address and contacts
- Address (IRS master file)
- 523 EVANS ST, GREENVILLE, NC 27858-2311
- In care of
- % ELIZABETH WATERS
- Principal officer (990 for 2025)
- Tony Smart, 523 Evans Street, Greenville, NC 27858
- Signed the 990
- Elizabeth Waters, Manager/CEO
- Phone
- (252) 551-1599
- Website
- gucocreditunion.org
Mission
GUCO Credit Union is a not for profit financial cooperative that serves its members by offering deposit accounts and loans at reasonable rates.
Program accomplishments
- GUCO Credit Union is a not for profit financial cooperative that serves its members by offering deposit accounts and loans at reasonable rates.Expenses $438,084 · revenue $113,783
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 23-7056307
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1971
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 2032: STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA
- Assets (IRS master file)
- $9,837,812
- Income (IRS master file)
- $551,867
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $551,867 | $515,254 | $9,837,812 | XML |
| 990 | December 2024 | $490,662 | $523,124 | $9,826,781 | XML |
| 990 | December 2023 | $384,675 | $375,997 | $10,454,891 | XML |
| 990 | December 2022 | $353,214 | $364,569 | $12,976,273 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 23-7056307).
Questions about STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA
- What is the EIN of STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA?
- The employer identification number (EIN) of STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA is 23-7056307.
- Is STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1971.
- Are donations to STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA?
- The 990 for the year ended December 31, 2025 names Tony Smart.
- Who are the officers and directors of STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA?
- The 990 for the year ended December 31, 2025 lists 5 people; 0 received compensation from the organization.
- How much revenue does STATE CHARTERED CREDIT UNIONS IN NORTH CAROLINA have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $551,867, expenses of $515,254 and total assets of $9,837,812 at year end.
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