Civic Intelligence

Mutual Savings Credit Union

EIN 58-6035870 • 501(c)14 • Birmingham, AL

Profile

Provide thrift savings and lending activities to a member owned cooperative

750 17th Street NorthBirmingham, AL 35203

www.mutualsavingscu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Net Margin

64th percentile

6.1%

Higher net margin than 64% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

93rd percentile

$239,382

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 7.5% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2024

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

76th percentile

6.8%

Faster revenue growth than 76% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $73,910,407 (-100%) from 2023

Liabilities

Down

$0

Down $63,375,044 (-100%) from 2023

Net Assets

Down

$0

Down $10,535,363 (-100%) from 2023

Operations
Liabilities / Revenue35th percentileNet Margin64th percentile

Revenue

Up

$3,208,159

Up $205,171 (+6.8%) from 2023

Expenses

Up

$3,010,958

Up $181,743 (+6.4%) from 2023

Net Income

Up

$197,201

Up $23,428 (+13%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$100M$50M$0Assets 2010: $64,908,294Liabilities 2010: $57,397,075Net Assets 2010: $7,511,2192010Assets 2011: $67,148,657Liabilities 2011: $59,496,363Net Assets 2011: $7,652,2942011Assets 2012: $68,762,757Liabilities 2012: $60,824,267Net Assets 2012: $7,938,4902012Assets 2013: $69,797,267Liabilities 2013: $61,734,004Net Assets 2013: $8,063,2632013Assets 2014: $66,398,610Liabilities 2014: $58,101,954Net Assets 2014: $8,296,6562014Assets 2015: $67,568,996Liabilities 2015: $59,006,164Net Assets 2015: $8,562,8322015Assets 2016: $76,574,654Liabilities 2016: $67,753,774Net Assets 2016: $8,820,8802016Assets 2017: $71,941,386Liabilities 2017: $62,868,170Net Assets 2017: $9,073,2162017Assets 2018: $68,318,292Liabilities 2018: $58,910,944Net Assets 2018: $9,407,3482018Assets 2019: $70,784,220Liabilities 2019: $61,175,069Net Assets 2019: $9,609,1512019Assets 2020: $78,365,558Liabilities 2020: $68,510,771Net Assets 2020: $9,854,7872020Assets 2021: $84,946,744Liabilities 2021: $74,891,472Net Assets 2021: $10,055,2722021Assets 2022: $81,683,568Liabilities 2022: $71,321,979Net Assets 2022: $10,361,5892022Assets 2023: $73,910,407Liabilities 2023: $63,375,044Net Assets 2023: $10,535,3632023Assets 2024: $0Liabilities 2024: $0Net Assets 2024: $02024

Highlighted filing

2024

Assets$0
Liabilities$0
Net Assets$0
Open 2024 Filing

Operations Trend

Revenue Growth76th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $3,337,9242010Expenses 2011: $2,705,3462011Expenses 2012: $2,598,8892012Revenue 2013: $2,765,555Expenses 2013: $2,640,782Net Income 2013: $124,7732013Revenue 2014: $2,759,252Expenses 2014: $2,525,859Net Income 2014: $233,3932014Revenue 2015: $2,758,101Expenses 2015: $2,491,925Net Income 2015: $266,1762015Revenue 2016: $2,821,670Expenses 2016: $2,563,622Net Income 2016: $258,0482016Revenue 2017: $2,844,016Expenses 2017: $2,591,680Net Income 2017: $252,3362017Revenue 2018: $2,886,440Expenses 2018: $2,552,308Net Income 2018: $334,1322018Revenue 2019: $3,038,343Expenses 2019: $2,836,440Net Income 2019: $201,9032019Revenue 2020: $2,854,776Expenses 2020: $2,609,137Net Income 2020: $245,6392020Revenue 2021: $2,598,757Expenses 2021: $2,398,273Net Income 2021: $200,4842021Revenue 2022: $2,739,562Expenses 2022: $2,433,246Net Income 2022: $306,3162022Revenue 2023: $3,002,988Expenses 2023: $2,829,215Net Income 2023: $173,7732023Revenue 2024: $3,208,159Expenses 2024: $3,010,958Net Income 2024: $197,2012024

Highlighted filing

2024

Revenue$3,208,159
Expenses$3,010,958
Net Income$197,201
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$3,208,159
Expenses
$3,010,958
Net income
$197,201
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$3.21$3.01$0.20
2023Detailed filing. Detailed filing data is available for this year.$73.9$63.4$10.5$3.00$2.83$0.17
2022Detailed filing. Detailed filing data is available for this year.$81.7$71.3$10.4$2.74$2.43$0.31
2021Detailed filing. Detailed filing data is available for this year.$84.9$74.9$10.1$2.60$2.40$0.20
2020Detailed filing. Detailed filing data is available for this year.$78.4$68.5$9.85$2.85$2.61$0.25
2019Detailed filing. Detailed filing data is available for this year.$70.8$61.2$9.61$3.04$2.84$0.20
2018Detailed filing. Detailed filing data is available for this year.$68.3$58.9$9.41$2.89$2.55$0.33
2017Detailed filing. Detailed filing data is available for this year.$71.9$62.9$9.07$2.84$2.59$0.25
2016Detailed filing. Detailed filing data is available for this year.$76.6$67.8$8.82$2.82$2.56$0.26
2015Detailed filing. Detailed filing data is available for this year.$67.6$59.0$8.56$2.76$2.49$0.27
2014Detailed filing. Detailed filing data is available for this year.$66.4$58.1$8.30$2.76$2.53$0.23
2013Detailed filing. Detailed filing data is available for this year.$69.8$61.7$8.06$2.77$2.64$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.8$60.8$7.94$2.60
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.1$59.5$7.65$2.71
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.9$57.4$7.51$3.34
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$3,208,159
Mission and Program Overview

Mission

Provide thrift savings and lending activities to a member owned cooperative

COOPERATIVE CREDIT UNION

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$45,891,006$0▼ $45,891,006
Investments Other Securities$17,260,051$0▼ $17,260,051
Rtn Earn Endowment Incm Other Fnds$10,535,363$0▼ $10,535,363
Investments Program Related$7,168,914$0▼ $7,168,914
Savings and Temporary Cash Investments$2,437,263$0▼ $2,437,263
Cash and Non-Interest-Bearing Accounts$178,234$0▼ $178,234
Prepaid Expenses and Deferred Charges$70,812$0▼ $70,812
Land, Buildings, and Equipment, Net$25,213$0▼ $25,213
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments in Publicly Traded Securities-$0-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$73,910,407$0▼ $73,910,407
Other Assets Total$878,914$0▼ $878,914
Liabilities
Other Liabilities$62,238,752$0▼ $62,238,752
Accounts Payable and Accrued Expenses$1,120,379--
Deferred Revenue$15,913--
Grants Payable$0--
Total Liabilities$63,375,044$0▼ $63,375,044
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,535,363$0▼ $10,535,363
Total Liabilities and Net Assets / Fund Balance$73,910,407$0▼ $73,910,407
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Elliott C Moon JrCEO/board TreasurerFT$184,140$55,242$239,382
Emily OamiVP & ControllerFT$137,530-$137,530
Jennifer FiorenzaDirector and Contract EmployeePT$22,050-$22,050

Board Members and Trustees

NameTitle
James AndersonBoard Chairperson
Shannon GarmonBod Vice Chair / Supervisory Committee Chair
Alpa PatelDirector
Brian HallDirector
David BlakelyDirector
James BrayDirector
Phil BuchananDirector
Ronald ForsterDirector / Supervisory Committee Member
Brian ArnbergerBod Secretary / Supervisory Committee Member
Katie GrahamSupervisory Committee Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,208,159
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$197,201
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,864,963
Salaries, Compensation, and Employee Benefits$1,145,995
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$666,517--$666,517
Current Officers, Directors, Trustees, and Key Employees$261,432--$261,432
Other Employee Benefits$218,046--$218,046
All Other Expenses$101,658--$101,658
Other Expenses$81,000--$81,000
Fees for Services Other$72,894--$72,894
Fees for Services Accounting$36,565--$36,565
Insurance$25,477--$25,477
Information Technology$24,287--$24,287
Depreciation Depletion$12,633--$12,633
Office Expenses$5,568--$5,568
Conferences and Meetings$3,615--$3,615
Interest$266--$266
Total Functional Expenses$3,010,958$0$0$3,010,958
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members. Each member is required to maintain a $5 share balance and has a vote at the annual meeting.”

Form 990, Part VI, Section A, Line 7A

“Each member has a vote and elects the board of directors at each annual meeting.”

Form 990, Part VI, Section B, Line 11B

“The 990 form is provided to the board of directors for review. The 990 is also available for members to view on their request.”

Form 990, Part VI, Section B, Line 12C

“The conflict of interest policy is reviewed annually and signed off on by the board of directors and employees.”

Form 990, Part VI, Section B, Line 15

“The executive committee consults with our senior hr department and reviewed salary ranges for positions.”

Form 990, Part VI, Section C, Line 19

“Financials are posted in the lobby of the credit union. The conflicts of interest policy is available upon request by the member.”

Filing and Contact Details

Filer

Filer Name
Mutual Savings Credit Union
EIN
58-6035870
Phone
2052266800
Address
750 17TH STREET NORTH, BIRMINGHAM, AL 35203

Signing Officer

Name
Blane Mink
Title
CFO
Phone
2052266800
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Blane Mink
Formed
1933
Legal Domicile
Ga
Voting Board Members
12
Independent Board Members
10
Employees
12
Volunteers
12

Preparer

Firm
Pearce Bevill Leesburg Moore Pc
Address
110 OFFICE PARK DR, BIRMINGHAM, AL 35223
Preparer
W Glenn Bridges
Phone
2053235440
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“1/1/2025 merger with apco employees credit union -10,732,564.”

Raw XML AppendixShowing 400 of 453 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01120379
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0COOPERATIVE CREDIT UNION
IRS990/AddressChangeInd0X
IRS990/AllOtherExpensesGrp/ProgramServicesAmt0101658
IRS990/AllOtherExpensesGrp/TotalAmt0101658
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BooksInCareOfDetail/PersonNm0BLANE MINK
IRS990/BooksInCareOfDetail/PhoneNum02052266800
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0750 17TH STREET NORTH
IRS990/BooksInCareOfDetail/USAddress/CityNm0BIRMINGHAM
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0AL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd035203
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd01
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0178234
IRS990/CashNonInterestBearingGrp/EOYAmt00
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0261432
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0261432
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt03615
IRS990/ConferencesMeetingsGrp/TotalAmt03615
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractTerminationInd0X
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt01864963
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt03208159
IRS990/CYRevenuesLessExpensesAmt0197201
IRS990/CYSalariesCompEmpBnftPaidAmt01145995
IRS990/CYTotalExpensesAmt03010958
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03208159
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt015913
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt012633
IRS990/DepreciationDepletionGrp/TotalAmt012633
IRS990/Desc0PROVIDE THRIFT SAVINGS AND LENDING ACTIVITIES TO THE MEMBERS OF A MEMBER OWNED COOPERATIVE. AS OF DECEMBER 31, 2024, THE CREDIT UNION HAD MEMBERSHIP AND PROVIDED SERVICES TO APPROXIMATELY 5,505 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt012
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt036565
IRS990/FeesForServicesAccountingGrp/TotalAmt036565
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt072894
IRS990/FeesForServicesOtherGrp/TotalAmt072894
IRS990/FinalReturnInd0X
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt98.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0ELLIOTT C MOON JR
IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES ANDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm2DAVID BLAKELY
IRS990/Form990PartVIISectionAGrp/PersonNm3JAMES BRAY
IRS990/Form990PartVIISectionAGrp/PersonNm4PHIL BUCHANAN
IRS990/Form990PartVIISectionAGrp/PersonNm5RONALD FORSTER
IRS990/Form990PartVIISectionAGrp/PersonNm6SHANNON GARMON
IRS990/Form990PartVIISectionAGrp/PersonNm7BRIAN HALL
IRS990/Form990PartVIISectionAGrp/PersonNm8BRIAN ARNBERGER
IRS990/Form990PartVIISectionAGrp/PersonNm9JENNIFER FIORENZA
IRS990/Form990PartVIISectionAGrp/PersonNm10ALPA PATEL
IRS990/Form990PartVIISectionAGrp/PersonNm11KATIE GRAHAM
IRS990/Form990PartVIISectionAGrp/PersonNm12EMILY OAMI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0239382
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt922050
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12137530
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/BOARD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR / SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOD VICE CHAIR / SUPERVISORY COMMITTEE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOD SECRETARY / SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR AND CONTRACT EMPLOYEE
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11SUPERVISORY COMMITTEE MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP & CONTROLLER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01933
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03208159
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt024287
IRS990/InformationTechnologyGrp/TotalAmt024287
IRS990/InsuranceGrp/ProgramServicesAmt025477
IRS990/InsuranceGrp/TotalAmt025477
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/ProgramServicesAmt0266
IRS990/InterestGrp/TotalAmt0266
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt017260051
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt07168914
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0948
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt025213
IRS990/LandBldgEquipBasisNetGrp/EOYAmt00
IRS990/LandBldgEquipCostOrOtherBssAmt00
IRS990/LegalDomicileStateCd0GA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0COOPERATIVE SOCIETY INCORPORATED FOR THE TWOFOLD PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt010535363
IRS990/NetAssetsOrFundBalancesEOYAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/ProgramServicesAmt05568
IRS990/OfficeExpensesGrp/TotalAmt05568
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0878914
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherChangesInNetAssetsAmt0-10732564
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0218046
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0218046
IRS990/OtherExpensesGrp/Desc0MEMBER SHARE & DEPOSIT
IRS990/OtherExpensesGrp/Desc1DATA PROC & FINANCIAL S
IRS990/OtherExpensesGrp/Desc2OTHER OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/ProgramServicesAmt01021766
IRS990/OtherExpensesGrp/ProgramServicesAmt1389063
IRS990/OtherExpensesGrp/ProgramServicesAmt290171
IRS990/OtherExpensesGrp/ProgramServicesAmt381000
IRS990/OtherExpensesGrp/TotalAmt01021766
IRS990/OtherExpensesGrp/TotalAmt1389063
IRS990/OtherExpensesGrp/TotalAmt290171
IRS990/OtherExpensesGrp/TotalAmt381000
IRS990/OtherLiabilitiesGrp/BOYAmt062238752
IRS990/OtherLiabilitiesGrp/EOYAmt00
IRS990/OtherOrganizationDsc0STATE CHARTERED COOPERATIVE CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0666517
IRS990/OtherSalariesAndWagesGrp/TotalAmt0666517
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt045891006
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt070812
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0BLANE MINK
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME-M
IRS990/ProgramServiceRevenueGrp/Desc1INVESTMENT INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FINANCIAL SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02034477
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1857895
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2315787
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02034477
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1857895
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2315787
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0680367
IRS990/PYOtherExpensesAmt01614669
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt02322621
IRS990/PYRevenuesLessExpensesAmt0173773
IRS990/PYSalariesCompEmpBnftPaidAmt01214546
IRS990/PYTotalExpensesAmt02829215
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03002988
IRS990/QuidProQuoContributionsInd00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0197201
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010535363
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02437263
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd00
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0184140
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount055242
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ELLIOTT C MOON JR
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/BOARD TREASURER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0239382
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE EXECUTIVE COMMITTEE HAS A SIGNED CONTRACT THAT IS RENEWED ANNUALLY WITH THE CEO DETAILING COMPENSATION
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PART 1, LINE 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/BusinessName/BusinessNameLine1Txt0JENNIFER FIORENZA
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0FORMER CEO AND CURRENT MEMBER OF THE BOARD OF DIRECTORS
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0JENNIFER FIORENZA IS THE FORMER CEO OF MUTUAL SAVINGS CREDIT UNION, AND IS NOW A MEMBER OF THE BOARD OF DIRECTORS. FIORENZA IS ALSO A 1099 CONTRACTOR FOR THE CREDIT UNION, AND RECEIVED A 1099-NEC FROM THE CREDIT UNION FOR 2024.
IRS990ScheduleN/AssetsDistributedInd00
IRS990ScheduleN/AttorneyGeneralNotifiedInd00
IRS990ScheduleN/BondsOutstandingInd00
IRS990ScheduleN/DirectorOfSuccessorInd00
IRS990ScheduleN/EmployeeOfSuccessorInd00
IRS990ScheduleN/LiabilitiesPaidInd00
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0TOTAL CREDIT UNION NET ASSETS
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/BusinessName/BusinessNameLine1Txt0APCO EMPLOYEES CREDIT UNION
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/DistributionDt02025-01-01
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/EIN0630328360
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/FairMarketValueOfAssetAmt08109389
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/IRCSectionTxt0501(C)(14)
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/MethodOfFMVDeterminationTxt0THIRD-PARTY VALUATION SPECIALIST - INCOME, MARKET, AND COST APPROACHES USED AS APPLICABLE
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/AddressLine1Txt0750 17TH STREET NORTH
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/CityNm0BIRMINGHAM
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/StateAbbreviationCd0AL
IRS990ScheduleN/LiquidationOfAssetsTableGrp/LiquidationOfAssetsDetail/USAddress/ZIPCd035203
IRS990ScheduleN/OwnerOfSuccessorInd00
IRS990ScheduleN/ReceiveCompensationInd00
IRS990ScheduleN/RequiredToNotifyAGInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS. EACH MEMBER IS REQUIRED TO MAINTAIN A $5 SHARE BALANCE AND HAS A VOTE AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH MEMBER HAS A VOTE AND ELECTS THE BOARD OF DIRECTORS AT EACH ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE 990 FORM IS PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW. THE 990 IS ALSO AVAILABLE FOR MEMBERS TO VIEW ON THEIR REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CONFLICT OF INTEREST POLICY IS REVIEWED ANNUALLY AND SIGNED OFF ON BY THE BOARD OF DIRECTORS AND EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE EXECUTIVE COMMITTEE CONSULTS WITH OUR SENIOR HR DEPARTMENT AND REVIEWED SALARY RANGES FOR POSITIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIALS ARE POSTED IN THE LOBBY OF THE CREDIT UNION. THE CONFLICTS OF INTEREST POLICY IS AVAILABLE UPON REQUEST BY THE MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt61/1/2025 MERGER WITH APCO EMPLOYEES CREDIT UNION -10,732,564.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0GA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd01
IRS990/TotalAssetsBOYAmt073910407
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt073910407
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt03010958
IRS990/TotalFunctionalExpensesGrp/TotalAmt03010958
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt063375044
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt063375044
IRS990/TotalLiabilitiesGrp/EOYAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.