Civic Intelligence

Eco Credit Union

EIN 63-0288906 • 501(c)14 • Birmingham, AL

View Organization Page

Profile

Credit union - to provie services to approximately 16,270 members in the form of loans, savings, and other financial services.

105 Frankfurt CircleBirmingham, AL 35211

www.ecocu.org

Siviq Scores

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

Liabilities / Assets

98th percentile

0.95x

Higher debt load relative to assets than 98% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

76th percentile

18.85x

Higher debt load relative to revenue than 76% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

27th percentile

6.4%

Higher net margin than 27% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

2nd percentile

-9.8%

Faster asset growth than 2% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

10th percentile

0.1%

Faster revenue growth than 10% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets98th percentile

Assets

Down

$181,398,169

Down $19,655,858 (-9.8%) from 2023

Liabilities

Down

$171,533,926

Down $20,469,689 (-11%) from 2023

Net Assets

Up

$9,864,243

Up $813,831 (+9.0%) from 2023

Operations
Liabilities / Revenue76th percentileNet Margin27th percentile

Revenue

Up

$9,097,715

Up $11,983 (+0.1%) from 2023

Expenses

Up

$8,511,690

Up $936,196 (+12%) from 2023

Net Income

Down

$586,025

Down $924,213 (-61%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth2nd percentile

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

$300M$200M$100M$0Assets 2010: $103,808,523Liabilities 2010: $92,038,983Net Assets 2010: $11,769,5402010Assets 2011: $113,561,770Liabilities 2011: $101,184,368Net Assets 2011: $12,377,4022011Assets 2012: $119,044,644Liabilities 2012: $107,012,736Net Assets 2012: $12,031,9082012Assets 2013: $119,384,778Liabilities 2013: $110,417,278Net Assets 2013: $8,967,5002013Assets 2014: $125,233,709Liabilities 2014: $113,577,798Net Assets 2014: $11,655,9112014Assets 2015: $129,121,088Liabilities 2015: $117,398,669Net Assets 2015: $11,722,4192015Assets 2016: $131,604,093Liabilities 2016: $120,323,431Net Assets 2016: $11,280,6622016Assets 2017: $138,308,404Liabilities 2017: $126,315,495Net Assets 2017: $11,992,9092017Assets 2018: $141,452,420Liabilities 2018: $129,409,993Net Assets 2018: $12,042,4272018Assets 2019: $144,668,392Liabilities 2019: $130,682,678Net Assets 2019: $13,985,7142019Assets 2020: $170,130,913Liabilities 2020: $154,744,122Net Assets 2020: $15,386,7912020Assets 2021: $187,884,349Liabilities 2021: $172,539,627Net Assets 2021: $15,344,7222021Assets 2022: $186,172,963Liabilities 2022: $179,254,140Net Assets 2022: $6,918,8232022Assets 2023: $201,054,027Liabilities 2023: $192,003,615Net Assets 2023: $9,050,4122023Assets 2024: $181,398,169Liabilities 2024: $171,533,926Net Assets 2024: $9,864,2432024

Highlighted filing

2024

Assets$181,398,169
Liabilities$171,533,926
Net Assets$9,864,243
Open 2024 Filing

Operations Trend

Revenue Growth10th percentile

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

$10M$5.0M$0Expenses 2010: $6,312,0752010Expenses 2011: $6,131,5222011Expenses 2012: $5,903,6962012Revenue 2013: $5,700,980Expenses 2013: $5,563,612Net Income 2013: $137,3682013Revenue 2014: $5,766,717Expenses 2014: $5,376,514Net Income 2014: $390,2032014Revenue 2015: $5,833,904Expenses 2015: $5,381,508Net Income 2015: $452,3962015Revenue 2016: $6,358,593Expenses 2016: $5,844,797Net Income 2016: $513,7962016Revenue 2017: $6,498,783Expenses 2017: $5,974,420Net Income 2017: $524,3632017Revenue 2018: $7,027,596Expenses 2018: $6,121,629Net Income 2018: $905,9672018Revenue 2019: $6,957,227Expenses 2019: $6,276,253Net Income 2019: $680,9742019Revenue 2020: $6,963,589Expenses 2020: $5,938,680Net Income 2020: $1,024,9092020Revenue 2021: $7,547,136Expenses 2021: $5,767,969Net Income 2021: $1,779,1672021Revenue 2022: $7,754,194Expenses 2022: $6,649,920Net Income 2022: $1,104,2742022Revenue 2023: $9,085,732Expenses 2023: $7,575,494Net Income 2023: $1,510,2382023Revenue 2024: $9,097,715Expenses 2024: $8,511,690Net Income 2024: $586,0252024

Highlighted filing

2024

Revenue$9,097,715
Expenses$8,511,690
Net Income$586,025
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$181,398,169
Liabilities
$171,533,926
Net assets
$9,864,243
Revenue
$9,097,715
Expenses
$8,511,690
Net income
$586,025
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$181$172$9.86$9.10$8.51$0.59
2023Detailed filing. Detailed filing data is available for this year.$201$192$9.05$9.09$7.58$1.51
2022Detailed filing. Detailed filing data is available for this year.$186$179$6.92$7.75$6.65$1.10
2021Detailed filing. Detailed filing data is available for this year.$188$173$15.3$7.55$5.77$1.78
2020Detailed filing. Detailed filing data is available for this year.$170$155$15.4$6.96$5.94$1.02
2019Detailed filing. Detailed filing data is available for this year.$145$131$14.0$6.96$6.28$0.68
2018Detailed filing. Detailed filing data is available for this year.$141$129$12.0$7.03$6.12$0.91
2017Detailed filing. Detailed filing data is available for this year.$138$126$12.0$6.50$5.97$0.52
2016Detailed filing. Detailed filing data is available for this year.$132$120$11.3$6.36$5.84$0.51
2015Detailed filing. Detailed filing data is available for this year.$129$117$11.7$5.83$5.38$0.45
2014Detailed filing. Detailed filing data is available for this year.$125$114$11.7$5.77$5.38$0.39
2013Detailed filing. Detailed filing data is available for this year.$119$110$8.97$5.70$5.56$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$119$107$12.0$5.90
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$114$101$12.4$6.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$104$92.0$11.8$6.31
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 12, 2025
Return Version
2024v5.0
Gross Receipts
$9,097,715
Mission and Program Overview

Mission

Cooperative 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.

Credit union - to provie services to approximately 16,269 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$94,462,680$91,479,811▼ $2,982,869
Investments Program Related$58,086,678$56,961,699▼ $1,124,979
Cash and Non-Interest-Bearing Accounts$25,390,764$11,075,242▼ $14,315,522
Rtn Earn Endowment Incm Other Fnds$9,050,412$9,864,243▲ $813,831
Land, Buildings, and Equipment, Net$8,497,116$8,291,125▼ $205,991
Savings and Temporary Cash Investments-$4,500,000-
Prepaid Expenses and Deferred Charges$119,330$257,767▲ $138,437
Intangible Assets$140,328$140,328→ $0
Total Assets$201,054,027$181,398,169▼ $19,655,858
Other Assets Total$14,357,131$8,692,197▼ $5,664,934
Liabilities
Other Liabilities$174,219,506$171,964,930▼ $2,254,576
Unsecured Notes Loans Payable$15,522,802--
Accounts Payable and Accrued Expenses$2,261,307$-431,004▼ $2,692,311
Total Liabilities$192,003,615$171,533,926▼ $20,469,689
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,050,412$9,864,243▲ $813,831
Total Liabilities and Net Assets / Fund Balance$201,054,027$181,398,169▼ $19,655,858

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,963,116$965,798$4,928,914
Land$3,750,698-$3,750,698
Investment Program Related Org$2,074,609--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Joseph HandCEOFT$308,644$364,833$673,477
Jeffrey JonesCIOFT$141,350$66,185$207,535
Lavelle NoblittCOOFT$146,300$39,739$186,039

Board Members and Trustees

NameTitle
Jimmie PearsonBoard Chair
Christopher GordonBoard Member
Harold GrayBoard Member
Jerry MitchellBoard Member
Shelia DembowskiBoard Member
Jonathan LemskyBoard Secret
Julie KellyBoard Vice C
Allyson EdwardsSupervisory
Billy Joe HughesSupervisory
Randy MccartySupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,879,584
Investment Income
$2,006,381
Other Revenue
$1,211,750
Change in Net Assets
$586,025
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,545,909
Salaries, Compensation, and Employee Benefits$2,965,781
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$2,325,748-$2,325,748
Interest-$1,985,186-$1,985,186
Office Expenses-$1,572,105-$1,572,105
Other Employee Benefits-$386,312-$386,312
Occupancy-$341,074-$341,074
All Other Expenses-$228,890-$228,890
Payroll Taxes-$177,516-$177,516
Other Expenses-$150,005-$150,005
Travel-$87,007-$87,007
Pension Plan Contributions-$76,205-$76,205
Total Functional Expenses$0$8,511,690$0$8,511,690
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Draft$89,455,898
Shares$34,556,868
All Other Shares$24,240,589
Share Certificates$23,711,575
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The memebrs elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the memebrs.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors is responsible for the monitoring and enforcement of the conflict of interest policy.”

Form 990, Page 6, Part VI, Line 15A

“Compensation is determined by the board of directors using data from hr performance solutions, compease.”

Form 990, Page 6, Part VI, Line 15B

“Compensation is determined by the board of directors using data from hr performance solutions, compease.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby. Also posted on ncua website via call report quarterly.”

Filing and Contact Details

Filer

Filer Name
Eco Credit Union
EIN
63-0288906
Phone
2052263900
Address
105 FRANKFURT CIRCLE, BIRMINGHAM, AL 35211

Signing Officer

Name
Joseph Hand
Title
CEO
Phone
2052263931
Signed
2025-05-12
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joseph Hand
Formed
1939
Legal Domicile
Al
Voting Board Members
7
Independent Board Members
7
Employees
47
Volunteers
10

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors and supervisory committee wihtout compensation.”

Form 990, Part XI, Line 9

“Other changes 0 oci 38,103 reserv for cont changes -826,310 total -788,207”

Raw XML AppendixShowing 400 of 434 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.

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IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt0-37574
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt0-37574
IRS990/MissionDesc0CREDIT UNION - TO PROVIE SERVICES TO APPROXIMATELY 16,269 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
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IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt0341074
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IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt01572105
IRS990/OfficeExpensesGrp/TotalAmt01572105
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IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
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IRS990/OtherAssetsTotalGrp/EOYAmt08692197
IRS990/OtherChangesInNetAssetsAmt0-788207
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0386312
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0386312
IRS990/OtherExpensesGrp/Desc0PROFESSIONAL & OUTSIDE SE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2MISC NON-INTEREST EXP
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0596099
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1314598
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2270945
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3150005
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IRS990/OtherRevenueMiscGrp/Desc1GAIN ON DISP OF FIXED ASSETS
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IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt169360
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IRS990/OtherSalariesAndWagesGrp/TotalAmt02325748
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt091479811
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0177516
IRS990/PayrollTaxesGrp/TotalAmt0177516
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt076205
IRS990/PensionPlanContributionsGrp/TotalAmt076205
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1837982
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1837982
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt01862479
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt02150107
IRS990/PYOtherExpensesAmt04686073
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IRS990/PYProgramServiceRevenueAmt05578659
IRS990/PYRevenuesLessExpensesAmt01510238
IRS990/PYSalariesCompEmpBnftPaidAmt02889421
IRS990/PYTotalExpensesAmt07575494
IRS990/PYTotalRevenueAmt09085732
IRS990/ReconcilationRevenueExpnssAmt0586025
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt09050412
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09864243
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04500000
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IRS990ScheduleD/BuildingsGrp/BookValueAmt03963116
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0965798
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04928914
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt054887090
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt12074609
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0FEDERAL AGENCY SECURITIES
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CORPORATE CU CAPITAL
IRS990ScheduleD/LandGrp/BookValueAmt03750698
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt03750698
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt089455898
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt134556868
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt323711575
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DRAFT
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07713814
IRS990ScheduleD/TotalBookValueProgramRltdAmt056961699
IRS990ScheduleD/TotalLiabilityAmt0171964930
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1141350
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2146300
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount020071
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount19155
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount29536
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0344762
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt157030
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt230203
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOSEPH HAND
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1JEFFREY JONES
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2LAVELLE NOBLITT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1CIO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2COO
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1207535
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2186039
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WIHTOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMEBRS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMEBRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS IS RESPONSIBLE FOR THE MONITORING AND ENFORCEMENT OF THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS USING DATA FROM HR PERFORMANCE SOLUTIONS, COMPEASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7COMPENSATION IS DETERMINED BY THE BOARD OF DIRECTORS USING DATA FROM HR PERFORMANCE SOLUTIONS, COMPEASE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY. ALSO POSTED ON NCUA WEBSITE VIA CALL REPORT QUARTERLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9OTHER CHANGES 0 OCI 38,103 RESERV FOR CONT CHANGES -826,310 TOTAL -788,207
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
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IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt0181398169
IRS990/TotalAssetsGrp/BOYAmt0201054027
IRS990/TotalAssetsGrp/EOYAmt0181398169
IRS990/TotalCompGreaterThan150KInd0true
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt08511690
IRS990/TotalGrossUBIAmt031728
IRS990/TotalLiabilitiesBOYAmt0192003615
IRS990/TotalLiabilitiesEOYAmt0171533926
IRS990/TotalLiabilitiesGrp/BOYAmt0192003615
IRS990/TotalLiabilitiesGrp/EOYAmt0171533926
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IRS990/TotalOtherCompensationAmt0431995
IRS990/TotalProgramServiceExpensesAmt08511690
IRS990/TotalProgramServiceRevenueAmt05879584
IRS990/TotalReportableCompFromOrgAmt0635056
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt09065987
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt09097715
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt031728
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0201054027
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IRS990/TravelGrp/ManagementAndGeneralAmt087007
IRS990/TravelGrp/TotalAmt087007
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt015522802
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0105 FRANKFURT CIRCLE
IRS990/USAddress/CityNm0BIRMINGHAM
IRS990/USAddress/StateAbbreviationCd0AL

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