Liabilities / Assets
88th percentile
Higher debt load relative to assets than 88% of similar nonprofits.
Alabama Central Credit Union
EIN 63-0002236 • 501(c)14 • Birmingham, AL
Profile
The credit union's mission is to promote thrift among its members and create a source of credit for them at legitimate rates of interest. The credit union serves members in several counties throughout west alabama. The total number of members is in excess of 18,000.
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.92x
Liabilities / Revenue
42nd percentile
Higher debt load relative to revenue than 42% of similar nonprofits.
Net Margin
59th percentile
Higher net margin than 59% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
53rd percentile
Faster asset growth than 53% of similar nonprofits.
Revenue Growth
35th percentile
Faster revenue growth than 35% of similar nonprofits.
Balance Sheet
Assets
Up$200,714,696
Up $4,641,250 (+2.4%) from 2023
Liabilities
Up$185,496,191
Up $2,514,711 (+1.4%) from 2023
Net Assets
Up$15,218,505
Up $2,126,539 (+16%) from 2023
Revenue
Up$12,503,065
Up $1,276,374 (+11%) from 2023
Expenses
Up$10,784,826
Up $669,455 (+6.6%) from 2023
Net Income
Up$1,718,239
Up $606,919 (+55%) from 2023
Trend Graphs
Filings
Most recent year
2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
- Assets
- $200,714,696
- Liabilities
- $185,496,191
- Net assets
- $15,218,505
- Revenue
- $12,503,065
- Expenses
- $10,784,826
- Net income
- $1,718,239
Latest Detailed Filing
The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2022 to Dec 31, 2022
- Signed
- Oct 30, 2023
- Return Version
- 2022v5.0
- Gross Receipts
- $10,136,036
Mission and Program Overview
Mission
The credit union's mission is to promote thrift among its members and create a source of credit for them at legitimate rates of interest. The credit union serves members in several counties throughout west alabama. The total number of members is in excess of 18,000.
To provide thrift opportunities and low cost loans to members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $139,393,150 | $166,615,728 | ▲ $27,222,578 |
| Investments in Publicly Traded Securities | $19,249,176 | $15,662,057 | ▼ $3,587,119 |
| Rtn Earn Endowment Incm Other Fnds | $12,842,897 | $12,098,001 | ▼ $744,896 |
| Land, Buildings, and Equipment, Net | $6,916,557 | $7,637,929 | ▲ $721,372 |
| Cash and Non-Interest-Bearing Accounts | $6,887,948 | $3,742,811 | ▼ $3,145,137 |
| Investments Other Securities | $1,115,003 | $1,375,517 | ▲ $260,514 |
| Savings and Temporary Cash Investments | $16,000,000 | $749,000 | ▼ $15,251,000 |
| Prepaid Expenses and Deferred Charges | $514,886 | $692,273 | ▲ $177,387 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $198,120,743 | $204,184,392 | ▲ $6,063,649 |
| Other Assets Total | $8,044,023 | $7,709,077 | ▼ $334,946 |
| Liabilities | |||
| Other Liabilities | $182,949,194 | $183,470,721 | ▲ $521,527 |
| Mortgage Notes Payable Secured by Investment Property | - | $6,500,000 | - |
| Accounts Payable and Accrued Expenses | $2,328,652 | $2,115,670 | ▼ $212,982 |
| Total Liabilities | $185,277,846 | $192,086,391 | ▲ $6,808,545 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $12,842,897 | $12,098,001 | ▼ $744,896 |
| Total Liabilities and Net Assets / Fund Balance | $198,120,743 | $204,184,392 | ▲ $6,063,649 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $3,306,495 | $3,173,267 | $6,479,762 |
| Other Land Buildings | $1,441,753 | $3,741,306 | $5,183,059 |
| Land | $2,811,564 | - | $2,811,564 |
| Leasehold Improvements | $78,117 | $318,049 | $396,166 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Brad Haddock | President/CEO | FT | $173,417 | $40,391 | $213,808 |
| William Parker | Director of Lending | FT | $118,771 | $16,239 | $135,010 |
| Jessica Baker | CFO | FT | $113,829 | $16,662 | $130,491 |
Board Members and Trustees
| Name | Title |
|---|---|
| Kaitlyn Brown | Chairwoman |
| Rick Hardy | Vice-chairman |
| Mike Norman | Director |
| Robert Campbell | Director |
| Stan Whitehurst | Director |
| Jerry Freeman | Secretary |
| Jeff Bowling | Treasurer |
Highest Paid Contractors
| Contractor | Services | Location | Compensation |
|---|---|---|---|
| Fiserv INC | Core Processor & Mobile Banking | PO BOX 934057, Atlanta, GA 31193 | $1,061,344 |
| Corelation INC | Core Processor | 2305 HISTORICA DECATUR RD SUITE 30, San Diego, CA 92106 | $299,368 |
| Q2 Software INC | Online Banking, Mobile Banking, Bill Pay | 10355 PECAN PARK BLVD SUITE 100, Austin, TX 78729 | $274,656 |
| Cuna Mutual Group | Defined Benefits | PO BOX 78958, Milwaukee, WI 53278 | $253,612 |
| C Spire Business | Outsourced It Functions | PO BOX 830674 MSC 703, Birmingham, AL 35283 | $127,783 |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $6,685,712
- Investment Income
- $351,163
- Other Revenue
- $3,099,159
- Change in Net Assets
- $1,218,602
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $4,874,540 |
| Salaries, Compensation, and Employee Benefits | $4,042,892 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $2,760,408 |
| Occupancy | - | - | - | $492,079 |
| Interest | - | - | - | $479,886 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $479,309 |
| All Other Expenses | - | - | - | $447,338 |
| Other Employee Benefits | - | - | - | $382,815 |
| Fees for Services Other | - | - | - | $371,725 |
| Depreciation Depletion | - | - | - | $364,202 |
| Payroll Taxes | - | - | - | $235,769 |
| Other Expenses | - | - | - | $212,698 |
| Pension Plan Contributions | - | - | - | $184,591 |
| Advertising | - | - | - | $165,815 |
| Office Expenses | - | - | - | $139,079 |
| Insurance | - | - | - | $99,571 |
| Travel | - | - | - | $94,063 |
| Conferences and Meetings | - | - | - | $60,156 |
| Fees for Services Accounting | - | - | - | $55,975 |
| Fees for Services Legal | - | - | - | $17,014 |
| Total Functional Expenses | $0 | $0 | $0 | $8,917,432 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Member Deposits | $183,470,721 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Backup withholding compliance
- Yes
- Business relationship with 35% controlled entity
- No
- Business relationship with family members
- No
- Business relationship with organization members
- No
- 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
- Yes
- Management duties delegated
- No
Governance Explanations
Form 990, Part VI, Section A, Line 6
“The credit union is a non-profit financial institution that is owned and operated by its members. In order to become a member of the credit union, an individual must live, work, attend school or church in any of the following alabama counties: baldwin, bibb, butler, colbert, conecuh, covington, crenshaw, fayette, franklin, greene, hale, jefferson, lauderdale, lawrence, limestone, lowndes, marengo, marion, mobile, monroe, montgomery, morgan, shelby, sumter, tuscaloosa, walker, washington, or wilcox.”
Form 990, Part VI, Section A, Line 7A
“The members of alabama central credit union elect its board of directors at their annual meetings. Members are informed of the board positions which are up for election by the nominating committee. Members then proceed to vote to fill the open board positions. In order for a director to be elected, a quorum must be present at the meeting.”
Form 990, Part VI, Section A, Line 7B
“The following types of decisions are subject to approval by the credit union's members: dissolution of the credit union, conversion from state to federal charter, conversion from federal to private insurance, and amendment of by-laws.”
Form 990, Part VI, Section B, Line 11B
“Upon completion of the credit union's 990, board members are given the opportunity to review to ask questions or engage in discussion for any topic covered in the return. The form 990 is then filed with the internal revenue service.”
Form 990, Part VI, Section B, Line 12C
“The conflict of interest policy is provided to all employees in our our employee handbook. Employees are provided a copy of the handbook upon hire and required to sign an acknowledgement statement that says they received, have/will read, and will comply with the information contained in the handbook.”
Form 990, Part VI, Section B, Line 15
“Compensation for officers, key employees and top management officials is reviewed on an annual basis. Salary surveys, such as the cuna staff salary report, are used to assist in salary determination, along with individual and overall performance. The board of directors reviews and approves the president/ceo's salary annually. All other salaries are reviewed and approved annually by the president/ceo.”
Form 990, Part VI, Section C, Line 19
“Alabama central credit union makes available its financial statements via the ncua website which can be found at www.ncua.gov. Other documents are available to the public upon request.”
Filing and Contact Details
Filer
- Filer Name
- Alabama Central Credit Union
- EIN
- 63-0002236
- Phone
- 2055101316
- Address
- 3601 4TH AVENUE SOUTH, BIRMINGHAM, AL 35222
Signing Officer
- Name
- Jessica Baker
- Title
- CFO
- Phone
- 2055101316
- Signed
- 2023-10-30
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Jessica Baker
- Formed
- 1938
- Legal Domicile
- Al
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 72
- Volunteers
- 10
Preparer
- Firm
- Warren Averett LLC
- Address
- 350 W CEDAR STREET SUITE 400, PENSACOLA, FL 32502
- Preparer
- Claire C Duren CPA
- Phone
- 8504357400
Supplemental Narrative
Additional Explanations
FORM 990, PART XI, LINE 9:
“Fasb asc 715 adjustment 373,530.”
FORM 990, PART XII, FINANCIAL STATEMENTS AND REPORTING, LINE 2:
“On a yearly basis, the national credit union association and alabama credit union administration examine the financial statements of the credit union. An annual audited financial statement is prepared in accordance with gaap by an independent cpa on a fiscal year end of june 30th.”
Financial Statement Notes
PART X, LINE 2:
“Effective january 1, 2009, the credit union implemented the new accounting requirements associated with uncertainty in income taxes using the provisions of financial accounting standards board (fasb) asc 740, income taxes. Using that guidance, tax positions initially need to be recognized in the financial statements when it is more-likely-than-not the positions will be sustained upon examination by tax authorities. It also provides guidance for derecognition, classification, interest and penalties, accounting interim periods, disclosure and transition. As of june 30, 2023, the credit union has no uncertain tax positions that qualify for either recognition or disclosure in the financial statements. Additionally, the credit union has no interest or penalties related to income taxes. With few exceptions, the credit union is no longer subject to u.s. Federal income tax examinations by tax authorities for calendar years before 2018.”
Raw XML AppendixShowing 400 of 471 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 |
|---|---|---|
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| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 2328652 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 2115670 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 165815 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 447338 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/PersonNm | 0 | JESSICA H BAKER CPA |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2055101316 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 3601 4TH AVENUE SOUTH |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | BIRMINGHAM |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | AL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 35222 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 6887948 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 3742811 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 8 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 479309 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 60156 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 0 | 1061344 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 1 | 299368 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 2 | 274656 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 3 | 253612 |
| IRS990/ContractorCompensationGrp/CompensationAmt | 4 | 127783 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 0 | PO BOX 934057 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 1 | 2305 HISTORICA DECATUR RD SUITE 30 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 2 | 10355 PECAN PARK BLVD SUITE 100 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 3 | PO BOX 78958 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt | 4 | PO BOX 830674 MSC 703 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 0 | ATLANTA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 1 | SAN DIEGO |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 2 | AUSTIN |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 3 | MILWAUKEE |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm | 4 | BIRMINGHAM |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 0 | GA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 1 | CA |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 2 | TX |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 3 | WI |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd | 4 | AL |
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| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 1 | 92106 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 2 | 78729 |
| IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd | 3 | 53278 |
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| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 1 | CORELATION INC |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 2 | Q2 SOFTWARE INC |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 3 | CUNA MUTUAL GROUP |
| IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt | 4 | C SPIRE BUSINESS |
| IRS990/ContractorCompensationGrp/ServicesDesc | 0 | CORE PROCESSOR & MOBILE BANKING |
| IRS990/ContractorCompensationGrp/ServicesDesc | 1 | CORE PROCESSOR |
| IRS990/ContractorCompensationGrp/ServicesDesc | 2 | ONLINE BANKING, MOBILE BANKING, BILL PAY |
| IRS990/ContractorCompensationGrp/ServicesDesc | 3 | DEFINED BENEFITS |
| IRS990/ContractorCompensationGrp/ServicesDesc | 4 | OUTSOURCED IT FUNCTIONS |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 351163 |
| IRS990/CYOtherExpensesAmt | 0 | 4874540 |
| IRS990/CYOtherRevenueAmt | 0 | 3099159 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 6685712 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1218602 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 4042892 |
| IRS990/CYTotalExpensesAmt | 0 | 8917432 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 10136034 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 364202 |
| IRS990/Desc | 0 | IN OUR EFFORTS TO PROMOTE THRIFT AMONG OUR MEMBERS, THE CREDIT UNION PROVIDES COMPETITIVE SAVINGS PRODUCTS, WHICH INCLUDE SAVINGS, CHECKING, MONEY MARKET, CERTIFICATE OF DEPOSIT ACCOUNTS AS WELL AS IRA SAVINGS AND CERTIFICATE OF DEPOSIT ACCOUNTS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 72 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 55975 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 17014 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 371725 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
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| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 16662 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 16239 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | JERRY FREEMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | JEFF BOWLING |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | KAITLYN BROWN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | ROBERT CAMPBELL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | STAN WHITEHURST |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | RICK HARDY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | MIKE NORMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | BRAD HADDOCK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JESSICA BAKER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | WILLIAM PARKER |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 188613 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 113829 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 118771 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | CHAIRWOMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | VICE-CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT/CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CFO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR OF LENDING |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1938 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -2 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 10136036 |
| IRS990/GrossRentsGrp/RealAmt | 0 | 25000 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 4 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 99571 |
| IRS990/InterestGrp/TotalAmt | 0 | 479886 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 351165 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 351165 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt | 0 | 1115003 |
| IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt | 0 | 1375517 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 19249176 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 15662057 |
| IRS990/IRPDocumentCnt | 0 | 4184 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 7232622 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 6916557 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 7637929 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 14870551 |
| IRS990/LegalDomicileStateCd | 0 | AL |
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| IRS990/LessRentalExpensesGrp/RealAmt | 0 | 0 |
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| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt | 0 | 25955 |
| IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 25955 |
| IRS990/MissionDesc | 0 | THE CREDIT UNION'S MISSION IS TO PROMOTE THRIFT AMONG ITS MEMBERS AND CREATE A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST. THE CREDIT UNION SERVES MEMBERS IN SEVERAL COUNTIES THROUGHOUT ALABAMA. THE TOTAL NUMBER OF MEMBERS IS IN EXCESS OF 16,000. |
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| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
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| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 12098001 |
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| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -2 |
| IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt | 0 | 25000 |
| IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt | 0 | 25000 |
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| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 139079 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 8044023 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 7709077 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 373530 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 382815 |
| IRS990/OtherExpensesGrp/Desc | 0 | UBIT EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 1 | DATA PROCESSING EXPENSE |
| IRS990/OtherExpensesGrp/Desc | 2 | DEBIT CARD EXPENSES |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 241 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 1534384 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 340314 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 212698 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 182949194 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 183470721 |
| IRS990/OtherOrganizationDsc | 0 | STATE-CHARTERED CREDIT UNION |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 1 | 522100 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 2 | 522100 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | SERVICE FEES AND OTHER INC |
| IRS990/OtherRevenueMiscGrp/Desc | 1 | NSF AND LATE CHARGES |
| IRS990/OtherRevenueMiscGrp/Desc | 2 | GAIN ON SALE OF OREO |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2345988 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 1 | 497712 |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 2 | 204504 |
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| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 1 | 497712 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 2 | 204504 |
| IRS990/OtherRevenueTotalAmt | 0 | 3074159 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 2760408 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 139393150 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 166615728 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 235769 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 184591 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 514886 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 692273 |
| IRS990/PrincipalOfficerNm | 0 | JESSICA BAKER |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6685712 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 6685712 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | TO MEET THE FINANCIAL NEEDS OF OUR MEMBERS, THE CREDIT UNION PROVIDES A SOURCE OF CREDIT BY OFFERING A VARIETY OF CONSUMER AND MORTGAGE LENDING PRODUCTS AT REASONABLE RATES OF INTEREST. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 234313 |
| IRS990/PYOtherExpensesAmt | 0 | 4781251 |
| IRS990/PYOtherRevenueAmt | 0 | 2841133 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 6212575 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 816975 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 3689795 |
| IRS990/PYTotalExpensesAmt | 0 | 8471046 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 9288021 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1218602 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 25000 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 12842897 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 12098001 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 16000000 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 749000 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 3306495 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 3173267 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 6479762 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 2811564 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 2811564 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 78117 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 318049 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 396166 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 1441753 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 3741306 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 5183059 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 183470721 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | EFFECTIVE JANUARY 1, 2009, THE CREDIT UNION IMPLEMENTED THE NEW ACCOUNTING REQUIREMENTS ASSOCIATED WITH UNCERTAINTY IN INCOME TAXES USING THE PROVISIONS OF FINANCIAL ACCOUNTING STANDARDS BOARD (FASB) ASC 740, INCOME TAXES. USING THAT GUIDANCE, TAX POSITIONS INITIALLY NEED TO BE RECOGNIZED IN THE FINANCIAL STATEMENTS WHEN IT IS MORE-LIKELY-THAN-NOT THE POSITIONS WILL BE SUSTAINED UPON EXAMINATION BY TAX AUTHORITIES. IT ALSO PROVIDES GUIDANCE FOR DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING INTERIM PERIODS, DISCLOSURE AND TRANSITION. AS OF JUNE 30, 2023, THE CREDIT UNION HAS NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE FINANCIAL STATEMENTS. ADDITIONALLY, THE CREDIT UNION HAS NO INTEREST OR PENALTIES RELATED TO INCOME TAXES. WITH FEW EXCEPTIONS, THE CREDIT UNION IS NO LONGER SUBJECT TO U.S. FEDERAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR CALENDAR YEARS BEFORE 2018. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 7637929 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 183470721 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/ClubDuesOrFeesInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/IdemnificationGrossUpPmtsInd | 0 | X |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 173417 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 13750 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 9664 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 15531 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 1446 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | BRAD HADDOCK |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | PRESIDENT/CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 213808 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SubstantiationRequiredInd | 0 | 1 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION ALLOWS THE SPOUSES OF ALL BOARD MEMBERS AND SENIOR MANAGEMENT TO ATTEND THE PLANNING SESSION TRIP. THE ONLY TRAVEL EXPENSES PAID ON BEHALF OF THE SPOUSES ARE MEALS. CHRISTMAS BONUSES ARE PROVIDED TO ALL EMPLOYEES AND ARE GROSSED UP TO COVER PAYROLL TAXES. |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION DOES NOT HAVE A WRITTEN REIMBURSEMENT POLICY; HOWEVER, IT DOES REQUIRE AN EXPENSE REPORT WITH SUPPORTING RECEIPTS BEFORE REIMBURSEMENT FOR EXPENSES WILL BE MADE. THE CHRISTMAS BONUSES WERE APPROVED BY THE BOARD PRIOR TO PAYMENT. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART I, LINE 1A |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART I, LINE 1B |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990ScheduleJ/TravelForCompanionsInd | 0 | X |
| IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS A NON-PROFIT FINANCIAL INSTITUTION THAT IS OWNED AND OPERATED BY ITS MEMBERS. IN ORDER TO BECOME A MEMBER OF THE CREDIT UNION, AN INDIVIDUAL MUST LIVE, WORK, ATTEND SCHOOL OR CHURCH IN ANY OF THE FOLLOWING ALABAMA COUNTIES: BALDWIN, BIBB, BUTLER, COLBERT, CONECUH, COVINGTON, CRENSHAW, FAYETTE, FRANKLIN, GREENE, HALE, JEFFERSON, LAUDERDALE, LAWRENCE, LIMESTONE, LOWNDES, MARENGO, MARION, MOBILE, MONROE, MONTGOMERY, MORGAN, SHELBY, SUMTER, TUSCALOOSA, WALKER, WASHINGTON, OR WILCOX. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE MEMBERS OF ALABAMA CENTRAL CREDIT UNION ELECT ITS BOARD OF DIRECTORS AT THEIR ANNUAL MEETINGS. MEMBERS ARE INFORMED OF THE BOARD POSITIONS WHICH ARE UP FOR ELECTION BY THE NOMINATING COMMITTEE. MEMBERS THEN PROCEED TO VOTE TO FILL THE OPEN BOARD POSITIONS. IN ORDER FOR A DIRECTOR TO BE ELECTED, A QUORUM MUST BE PRESENT AT THE MEETING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE FOLLOWING TYPES OF DECISIONS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION'S MEMBERS: DISSOLUTION OF THE CREDIT UNION, CONVERSION FROM STATE TO FEDERAL CHARTER, CONVERSION FROM FEDERAL TO PRIVATE INSURANCE, AND AMENDMENT OF BY-LAWS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | UPON COMPLETION OF THE CREDIT UNION'S 990, BOARD MEMBERS ARE GIVEN THE OPPORTUNITY TO REVIEW TO ASK QUESTIONS OR ENGAGE IN DISCUSSION FOR ANY TOPIC COVERED IN THE RETURN. THE FORM 990 IS THEN FILED WITH THE INTERNAL REVENUE SERVICE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE CONFLICT OF INTEREST POLICY IS PROVIDED TO ALL EMPLOYEES IN OUR OUR EMPLOYEE HANDBOOK. EMPLOYEES ARE PROVIDED A COPY OF THE HANDBOOK UPON HIRE AND REQUIRED TO SIGN AN ACKNOWLEDGEMENT STATEMENT THAT SAYS THEY RECEIVED, HAVE/WILL READ, AND WILL COMPLY WITH THE INFORMATION CONTAINED IN THE HANDBOOK. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | COMPENSATION FOR OFFICERS, KEY EMPLOYEES AND TOP MANAGEMENT OFFICIALS IS REVIEWED ON AN ANNUAL BASIS. SALARY SURVEYS, SUCH AS THE CUNA STAFF SALARY REPORT, ARE USED TO ASSIST IN SALARY DETERMINATION, ALONG WITH INDIVIDUAL AND OVERALL PERFORMANCE. THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE PRESIDENT/CEO'S SALARY ANNUALLY. ALL OTHER SALARIES ARE REVIEWED AND APPROVED ANNUALLY BY THE PRESIDENT/CEO. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | ALABAMA CENTRAL CREDIT UNION MAKES AVAILABLE ITS FINANCIAL STATEMENTS VIA THE NCUA WEBSITE WHICH CAN BE FOUND AT WWW.NCUA.GOV. OTHER DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | FASB ASC 715 ADJUSTMENT 373,530. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | ON A YEARLY BASIS, THE NATIONAL CREDIT UNION ASSOCIATION AND ALABAMA CREDIT UNION ADMINISTRATION EXAMINE THE FINANCIAL STATEMENTS OF THE CREDIT UNION. AN ANNUAL AUDITED FINANCIAL STATEMENT IS PREPARED IN ACCORDANCE WITH GAAP BY AN INDEPENDENT CPA ON A FISCAL YEAR END OF JUNE 30TH. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART XI, LINE 9: |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XII, FINANCIAL STATEMENTS AND REPORTING, LINE 2: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
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