Southeastern Federal Credit Union

  • Valdosta, GA
  • Tax exemption issued: Aug. 2017
  • EIN: 58-0801176

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Category: Public, Society Benefit — Multipurpose and Other / Credit Unions (NTEE)

Donations to this organization are not tax deductible.

Details

According to its Dec. 2025 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Organizations with gross receipts of less than $50,000 can file the form 990-N postcard filing, which doesn’t include financial details. All Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2025

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$27,178,024
Expenses
$22,460,203
Net Income
$4,717,821
Net Assets
$44,609,993
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $23,305,191
85.8%
Investment Income $3,872,833
14.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $924,653
4.1%
Professional Fundraising Fees $0
Other Salaries and Wages $5,109,772
22.8%
Assets/Debt
Total Assets $417,513,760
Total Liabilities $372,903,767
Net Assets $44,609,993
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael E Gudely (President/ceo) $288,881 $0 $48,149
Jennifer Stasio (Svp/cfo) $219,882 $0 $34,052
Eric Bennett (Vp Clo) $167,155 $0 $23,274
George Eddie Smith (Sr Business Development) $136,574 $0 $21,654
Berry Tanner (Waycross Area Executive) $128,939 $0 $11,317
Jeremy Hatcher (Avp Business Services) $128,601 $0 $20,974
Mitchell Burton (Vp Of Retail) $122,744 $0 $20,516
Chip Carroll (Area Executive) $101,043 $0 $19,156
Wayne Plumly (Board - Chairperson) $0 $0 $0
C Anthony Payton (Board - Vice Chairperson) $0 $0 $0
Valerie Bryant (Board - Treasurer) $0 $0 $0
Jerry Permenter (Board - Secretary) $0 $0 $0
Stephen Sainz (Board - Director) $0 $0 $0
Clint Bush (Board - Director) $0 $0 $0
Charles Eidson (Board - Director) $0 $0 $0
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990
Filed on June 4, 2026

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2024

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$23,475,823
Expenses
$19,868,820
Net Income
$3,607,003
Net Assets
$38,026,680
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $20,477,582
87.2%
Investment Income $2,998,241
12.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $880,586
4.4%
Professional Fundraising Fees $0
Other Salaries and Wages $4,601,158
23.2%
Assets/Debt
Total Assets $391,341,137
Total Liabilities $353,314,457
Net Assets $38,026,680
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Edward Michael Gudely (President/ceo) $289,892 $0 $52,583
Jennifer Stasio (Svp/cfo) $194,413 $0 $35,663
Eric Bennett (Vp Clo) $155,280 $0 $23,125
Berry Tanner (Waycross Area Executive) $128,624 $0 $12,061
Eddie Smith (Business Development) $126,440 $0 $20,321
Jeremy Hatcher (Avp Commercial Lending) $116,789 $0 $25,947
Mitchell Burton (Vp Retail Services) $110,183 $0 $19,447
Wayne Plumly (Board - Chairpeson) $0 $0 $0
C Anthony Payton (Board - Vice Chairpeson) $0 $0 $0
Valerie Bryant (Board - Treasurer) $0 $0 $0
Jerry Permenter (Board - Secretary) $0 $0 $0
Stephen Sainz (Board - Director) $0 $0 $0
Clint Bush (Board - Director) $0 $0 $0
Charles Eidson (Board - Director) $0 $0 $0
+ View more people

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990
Filed on Oct. 8, 2025

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,756,650
Expenses
$17,037,298
Net Income
$2,719,352
Net Assets
$34,425,846
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $17,368,619
87.9%
Investment Income $2,388,031
12.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $889,403
5.2%
Professional Fundraising Fees $0
Other Salaries and Wages $4,282,797
25.1%
Assets/Debt
Total Assets $374,753,426
Total Liabilities $340,327,580
Net Assets $34,425,846
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Edward Michael Gudely (President/ceo) $321,004 $0 $47,732
Jennifer Stasio (Svp/cfo) $192,770 $0 $36,858
Eddie Smith (Business Development) $162,847 $0 $15,694
Eric Bennett (Vp Clo) $152,055 $0 $21,135
Berry Tanner (Waycross Area Executive) $133,934 $0 $12,142
Jeremy Hatcher (Avp Commercial Lending) $106,515 $0 $15,133
Mitchell Burton (Vp Retail Services) $101,252 $0 $16,597
Charles Eidson (Board - Chairpeson) $0 $0 $0
Wayne Plumly (Board - Vice Chairpeson) $0 $0 $0
C Anthony Payton (Board - Treasurer) $0 $0 $0
Jerry Permenter (Board - Director) $0 $0 $0
Valerie Bryant (Board - Director) $0 $0 $0
Roy Mcneal (Board - Director) $0 $0 $0
Dr Dustin Kilby (Board - Secretary) $0 $0 $0
Leanna Pledger (Board - Director) $0 $0 $0
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990
Filed on Oct. 28, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,882,953
Expenses
$12,752,800
Net Income
$3,130,153
Net Assets
$32,432,872
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $14,852,362
93.5%
Investment Income $1,030,591
6.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $703,381
5.5%
Professional Fundraising Fees $0
Other Salaries and Wages $4,423,319
34.7%
Assets/Debt
Total Assets $341,470,817
Total Liabilities $309,037,945
Net Assets $32,432,872
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
E Michael Gudely (President/ceo) $274,865 $0 $45,331
Jennifer Stasio (Svp/cfo) $188,049 $0 $34,659
Cynthia Kelley (Mortgage Loan Officer) $142,497 $0 $12,821
Eric Bennett (Vp Clo) $139,057 $0 $21,420
Berry Tanner (Waycross Area Executive) $137,380 $0 $10,707
Kevin Cameron (Vp Of It) $108,385 $0 $19,282
Roy Mcneal (Board - Director) $0 $0 $0
C Anthony Payton (Board - Treasurer) $0 $0 $0
Jerry Permenter (Board - Chairpearson Audit Committee) $0 $0 $0
Charles Eidson (Board - Chairpeson) $0 $0 $0
Wayne Plumly (Board - Vice Chairpeson) $0 $0 $0
Dr Dustin Kilby (Board - Secretary) $0 $0 $0
Leanna Pledger (Board - Director) $0 $0 $0
+ View more people

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990
Filed on Nov. 2, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,490,315
Expenses
$12,185,460
Net Income
$2,304,855
Net Assets
$31,974,033
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $14,121,764
97.5%
Investment Income $382,121
2.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$13,570
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $677,062
5.6%
Professional Fundraising Fees $0
Other Salaries and Wages $4,332,512
35.6%
Assets/Debt
Total Assets $334,399,365
Total Liabilities $302,425,332
Net Assets $31,974,033
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
E Michael Gudely (President/ceo) $245,392 $0 $43,612
Jennifer Stasio (Svp/cfo) $176,485 $0 $33,223
Cindy Kelley (Mortgage Originator) $168,493 $0 $11,807
Steven P Sainz (Svp/clo) $154,154 $0 $24,196
Berry Tanner (Vp Ware/pierce Executive) $121,094 $0 $9,537
Eric Bennett (Vp Of Retail Services) $118,721 $0 $19,827
Michael James Gibbins (Avp Of Business Services) $116,393 $0 $12,522
C Anthony Payton (Board - Secretary) $0 $0 $0
Leanna Pledger (Board - Director) $0 $0 $0
Roy Mcneal (Board - Chairperson) $0 $0 $0
Dr Dustin Kilby (Board - Vice Chairpeson) $0 $0 $0
Charles Eidson (Board - Vice Chairpeson) $0 $0 $0
Jerry Permenter (Board - Chairperson) $0 $0 $0
Wayne Plumly (Board - Treasurer) $0 $0 $0
+ View more people

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990
Filed on Nov. 1, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,348,286
Expenses
$12,345,728
Net Income
$2,002,558
Net Assets
$30,167,113
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,747,005
95.8%
Investment Income $491,104
3.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $110,177
0.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $628,539
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $4,230,999
34.3%
Assets/Debt
Total Assets $302,946,528
Total Liabilities $272,779,415
Net Assets $30,167,113
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
E Michael Gudely (President/ceo) $244,812 $0 $37,093
Jennifer Stasio (Svp/cfo) $157,540 $0 $27,457
Steven P Sainz (Svp/clo) $143,244 $0 $18,393
Berry Tanner (Vp Ware/pierce Executive) $130,559 $0 $10,576
Joy Parrish (Vp Of Operations) $117,366 $0 $24,824
Eric Bennett (Vp Of Retail Services) $108,728 $0 $15,564
Michael James Gibbins (Avp Of Business Services) $107,044 $0 $15,260
C Anthony Payton (Board - Director) $0 $0 $0
John Leonard (Board - Director) $0 $0 $0
Roy Mcneal (Board - Chairperson) $0 $0 $0
Molly Deese (Board - Vice Chairpeson) $0 $0 $0
Charles Eidson (Board - Treasurer) $0 $0 $0
Jerry Permenter (Board - Director) $0 $0 $0
Wayne Plumly (Board - Secretary) $0 $0 $0
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990
Filed on Oct. 26, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,050,877
Expenses
$13,020,537
Net Income
$2,030,340
Net Assets
$27,683,722
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,831,642
91.9%
Investment Income $949,284
6.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $39,408
0.3%
Net Inventory Sales $0
Other Revenue $230,543
1.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $550,711
4.2%
Professional Fundraising Fees $0
Other Salaries and Wages $4,078,147
31.3%
Assets/Debt
Total Assets $262,534,175
Total Liabilities $234,850,453
Net Assets $27,683,722
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Michael Gudely (President/ceo) $248,157 $0 $30,496
Matthew Williams (Mortgage Loan Originator) $207,729 $0 $20,732
Berry Tanner (Vp Ware/pierce Executive) $125,706 $0 $7,798
Steve Sainz (Sr Risk Officer) $124,729 $0 $21,733
Donnee Upson (Vp Of It) $106,194 $0 $14,302
Jennifer Stasio (Chief Financial Officer) $98,942 $0 $7,654
Roy Mcneal (Chairman) $0 $0 $0
Molly Deese (Vice Chairman) $0 $0 $0
Charles Eidson (Trasurer) $0 $0 $0
Dr Wayne Plumly (Secretary) $0 $0 $0
Jerry Permenter (Director/audit Committee Chairman) $0 $0 $0
C Anthony Payton (Director) $0 $0 $0
John Leonard (Director) $0 $0 $0
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990
Filed on July 14, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$14,179,907
Expenses
$12,565,093
Net Income
$1,614,814
Net Assets
$24,414,876
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $12,854,393
90.7%
Investment Income $987,036
7.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $338,478
2.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $636,886
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $3,959,031
31.5%
Assets/Debt
Total Assets $243,771,086
Total Liabilities $219,356,210
Net Assets $24,414,876
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
E Michael Gudely (Ceo) $259,808 $0 $43,114
Matthew Williams (Mortgage Originator) $204,803 $0 $21,726
James P Doyle (Cfo) $163,604 $0 $26,787
Berry C Tanner (Ware/pierce Executive) $128,378 $0 $11,437
Steven P Sainz (Svp/cro) $126,229 $0 $17,344
Molly Deese (Secretary) $1,959 $0 $0
C Anthony Payton (Chairman Of The Board) $0 $0 $0
John Leonard (Vice-chairman) $0 $0 $0
Roy Mcneal (Treasurer) $0 $0 $0
Charles Eidson (Director) $0 $0 $0
Jerry Permenter (Director) $0 $0 $0
Dr Wayne Plumly (Director) $0 $0 $0
+ View more people

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990
Filed on Nov. 14, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,212,255
Expenses
$11,981,316
Net Income
$1,230,939
Net Assets
$23,158,351
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,758,532
89.0%
Investment Income $1,141,079
8.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$5,314
Net Inventory Sales $0
Other Revenue $317,958
2.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $643,693
5.4%
Professional Fundraising Fees $0
Other Salaries and Wages $3,605,219
30.1%
Assets/Debt
Total Assets $240,932,850
Total Liabilities $217,774,499
Net Assets $23,158,351
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
E Michael Gudely (Ceo) $252,247 $0 $27,282
James P Doyle (Cfo) $166,538 $0 $19,924
Sharon L Labranche (Coo) $161,829 $0 $15,873
Matthew Williams (Mortgage Lender) $142,475 $0 $8,751
Steven P Sainz (Svp/cro) $134,917 $0 $15,402
Donnee L Upson (Vp It) $119,209 $0 $15,589
Berry C Tanner (Ware/pierce Area Executive) $100,770 $0 $5,206
Anthony Payton (Chairman) $0 $0 $0
John Leonard (Vice-chairman) $0 $0 $0
Roy Mcneal (Treasurer) $0 $0 $0
Molly Deese (Secretary) $0 $0 $0
Jerry Permenter (Chairman Supervisory Committee) $0 $0 $0
Charles Eidson (Director) $0 $0 $0
Dr Wayne Plumly (Director) $0 $0 $0
+ View more people

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990
Filed on Nov. 15, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,837,371
Expenses
$11,131,675
Net Income
$1,705,696
Net Assets
$21,749,943
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $11,598,411
90.3%
Investment Income $844,522
6.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$19,624
Net Inventory Sales $0
Other Revenue $414,062
3.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $492,287
4.4%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $228,784,729
Total Liabilities $207,034,786
Net Assets $21,749,943
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
E Michael Gudely (Ceo) $223,772 $0 $10,802
Sharon L Labranche (Coo) $141,720 $0 $12,763
Steven P Sainz (Svp/cro) $111,071 $0 $13,106
Donnee L Upson (Vp It) $104,202 $0 $8,083
James P Doyle (Cfo) $99,401 $0 $3,829
C Anthony Payton (Vice Chairman) $0 $0 $0
John Leonard (Treasurer) $0 $0 $0
Roy Mcneal (Secretary) $0 $0 $0
Molly Deese (Director) $0 $0 $0
Charles Eidson (Director) $0 $0 $0
H Michael Beverly (Director) $0 $0 $0
Jerry Permenter (Chairman) $0 $0 $0
+ View more people

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990
Filed on Nov. 10, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

About This Data

What Is This Data?

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains financial information from tax returns processed by the IRS since the 2012 calendar years, as well as data extracted from digital filings. IRS summary data also includes limited older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits for nonprofit organizations that spent $750,000 or more in federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Most organizations that have been recognized as tax exempt by the IRS have to file the Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file the Form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard," which does not contain financial details. Churches are not required to file Form 990.

Nonprofit Explorer has organizations that are claiming tax exemption in any of the 27 subsections of the 501(c) section of the tax code. Taxable trusts and private foundations that are required to file a form 990PF are also included.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes Employer Identification Numbers and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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About Nonprofit Explorer

Nonprofit Explorer

Browse millions of annual returns filed by tax-exempt organizations with ProPublica’s Nonprofit Explorer. See details like executive compensation, revenue, expenses and more. Search for an organization or a person, or search the full text of filings.

By Andrea Suozzo, Alec Glassford, Ash Ngu and Brandon Roberts.

Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

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