Civic Intelligence

Alabama Credit Union Administration

990 • Fiscal year 2015 • EIN 63-0337813

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 02, 2016

P O Drawer 70Opp, AL 36467

(334) 493-6434

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

16th percentile

0.76x

Higher debt load relative to assets than 16% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Liabilities / Revenue

60th percentile

22.37x

Higher debt load relative to revenue than 60% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Net Margin

11th percentile

-7.3%

Higher net margin than 11% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Top Officer Pay

78th percentile

$96,721

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 20.9% of source-year revenue.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2015

Asset Growth

13th percentile

-2.1%

Faster asset growth than 13% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Revenue Growth

81st percentile

6.9%

Faster revenue growth than 81% of similar nonprofits.

2015 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2014 to 2015

Assets

Flat

$13,589,910

Flat from 2015

Net Assets

Flat

$3,238,175

Flat from 2015

Liabilities

Flat

$10,351,735

Flat from 2015

Revenue

Flat

$462,710

Flat from 2015

Expenses

Flat

$496,617

Flat from 2015

Net Income

Flat

-$33,907

Flat from 2015

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$15M$10M$5.0M$0Assets 2010: $12,415,915Liabilities 2010: $8,809,633Net Assets 2010: $3,606,2822010Assets 2011: $12,969,078Liabilities 2011: $9,462,052Net Assets 2011: $3,507,0262011Assets 2012: $13,193,415Liabilities 2012: $9,757,120Net Assets 2012: $3,436,2952012Assets 2013: $13,529,141Liabilities 2013: $10,182,791Net Assets 2013: $3,346,3502013Assets 2014: $13,885,338Liabilities 2014: $10,613,256Net Assets 2014: $3,272,0822014Assets 2015: $13,589,910Liabilities 2015: $10,351,735Net Assets 2015: $3,238,1752015Assets 2015: $13,589,910Liabilities 2015: $10,351,735Net Assets 2015: $3,238,1752015Assets 2016: $13,106,087Liabilities 2016: $9,865,210Net Assets 2016: $3,240,8772016Assets 2017: $13,150,601Liabilities 2017: $9,924,947Net Assets 2017: $3,225,6542017Assets 2018: $12,334,739Liabilities 2018: $9,103,631Net Assets 2018: $3,231,1082018Assets 2019: $11,973,068Liabilities 2019: $8,741,504Net Assets 2019: $3,231,5642019Assets 2020: $12,248,492Liabilities 2020: $9,112,362Net Assets 2020: $3,136,1302020Assets 2021: $12,744,339Liabilities 2021: $9,820,250Net Assets 2021: $2,924,0892021Assets 2022: $12,497,129Liabilities 2022: $9,752,172Net Assets 2022: $2,744,9572022Assets 2023: $11,597,217Liabilities 2023: $8,841,653Net Assets 2023: $2,755,5642023Assets 2024: $10,883,206Liabilities 2024: $8,170,745Net Assets 2024: $2,712,4612024

Highlighted filing

2015

Assets$13,589,910
Liabilities$10,351,735
Net Assets$3,238,175

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $584,2842010Revenue 2011: $517,083Expenses 2011: $616,339Net Income 2011: -$99,2562011Expenses 2012: $568,9332012Revenue 2013: $457,103Expenses 2013: $547,048Net Income 2013: -$89,9452013Revenue 2014: $432,949Expenses 2014: $507,217Net Income 2014: -$74,2682014Revenue 2015: $462,710Expenses 2015: $496,617Net Income 2015: -$33,9072015Revenue 2015: $462,710Expenses 2015: $496,617Net Income 2015: -$33,9072015Revenue 2016: $433,765Expenses 2016: $431,066Net Income 2016: $2,6992016Revenue 2017: $439,769Expenses 2017: $454,992Net Income 2017: -$15,2232017Revenue 2018: $466,216Expenses 2018: $460,762Net Income 2018: $5,4542018Revenue 2019: $477,678Expenses 2019: $477,222Net Income 2019: $4562019Revenue 2020: $395,666Expenses 2020: $491,097Net Income 2020: -$95,4312020Revenue 2021: $289,442Expenses 2021: $501,483Net Income 2021: -$212,0412021Revenue 2022: $323,153Expenses 2022: $502,285Net Income 2022: -$179,1322022Revenue 2023: $580,572Expenses 2023: $569,965Net Income 2023: $10,6072023Revenue 2024: $570,605Expenses 2024: $613,708Net Income 2024: -$43,1032024

Highlighted filing

2015

Revenue$462,710
Expenses$496,617
Net Income-$33,907
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 2, 2016
Return Version
2015v2.1
Gross Receipts
$462,710
Mission and Program Overview

Mission

Promoting thrift among its members and providing a source of credit for them at legitimate interest rates.

Code of alabama, sec. 5-17-1. A credit union is a 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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$8,586,281$8,290,300▼ $295,981
Other Notes and Loans Receivable, Net$4,427,089$4,165,525▼ $261,564
Rtn Earn Endowment Incm Other Fnds$3,272,082$3,238,175▼ $33,907
Cash and Non-Interest-Bearing Accounts$57,857$430,291▲ $372,434
Savings and Temporary Cash Investments$487,705$395,332▼ $92,373
Land, Buildings, and Equipment, Net$295,035$280,386▼ $14,649
Prepaid Expenses and Deferred Charges$31,371$28,076▼ $3,295
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$13,885,338$13,589,910▼ $295,428
Liabilities
Other Liabilities$10,609,228$10,348,133▼ $261,095
Accounts Payable and Accrued Expenses$4,028$3,602▼ $426
Total Liabilities$10,613,256$10,351,735▼ $261,521
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,272,082$3,238,175▼ $33,907
Total Liabilities and Net Assets / Fund Balance$13,885,338$13,589,910▼ $295,428

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$197,336$0$0
Other Land Buildings$0$0$0
Land$28,513-$0
Equipment$54,537$0$0
Leasehold Improvements$0$0$0
Other Securities$9,382--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Deborah DeanAsst ManagerFT$96,721$96,721
Kyler FrazierManagerFT$75,927$75,927

Board Members and Trustees

NameTitle
Danny F FaulkPresident
Williams O StewartVice President
Rinkey StanleyDirector
Douglas WilsonSecretary
Bobby Ray OwensTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$349,749
Investment Income
$94,229
Other Revenue
$18,732
Change in Net Assets
$-33,907
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$307,050
Other Expenses$163,676
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$246,460
Office Expenses---$40,305
Information Technology---$38,979
Occupancy---$26,172
Benefits to Members---$25,891
Pension Plan Contributions---$24,646
Payroll Taxes---$19,436
Other Employee Benefits---$16,508
Depreciation Depletion---$15,875
Insurance---$13,791
Advertising---$9,721
Fees for Services Accounting---$7,499
Other Expenses---$6,497
Fees for Service Investment Mgmnt Fees---$2,282
Travel---$1,469
Conferences and Meetings---$1,086
Total Functional Expenses$0$0$0$496,617
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
Deposits$10,348,133
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 family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
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

All persons eligible for membership who maintain a minimum share balance are members (stockholders) of the credit union.

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

All eligible members can attend the annual membership meeting of the credit union and vote for directors and committee people who are up for election.

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

Monthly meetings are where all business is documented.

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

All policies are reviewed annually.

Form 990, Part VI, Section C, Line 19

UPON REQUEST

Filing and Contact Details

Filer

Filer Name
Opp-micolas Credit Union
EIN
63-0337813
Phone
3344936434
Address
P O DRAWER 70, OPP, AL 36467

Signing Officer

Name
Deborah Dean
Title
Asst Manager
Phone
3344936434
Signed
2016-06-02

Organization Details

Principal Officer
Danny F Faulk
Formed
1954
Legal Domicile
Al
Voting Board Members
0
Independent Board Members
0
Employees
4
Volunteers
11
Raw XML Appendix379 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/BOYAmt04028
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt03602
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CODE OF ALABAMA, SEC. 5-17-1. A CREDIT UNION IS A 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.
IRS990/AdvertisingGrp/TotalAmt09721
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt025891
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0OPP-MICOLAS CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum03344936434
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0P O DRAWER 70
IRS990/BooksInCareOfDetail/USAddress/CityNm0OPP
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0AL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd036467
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt057857
IRS990/CashNonInterestBearingGrp/EOYAmt0430291
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd00
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt01086
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt025891
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt094229
IRS990/CYOtherExpensesAmt0163676
IRS990/CYOtherRevenueAmt018732
IRS990/CYProgramServiceRevenueAmt0349749
IRS990/CYRevenuesLessExpensesAmt0-33907
IRS990/CYSalariesCompEmpBnftPaidAmt0307050
IRS990/CYTotalExpensesAmt0496617
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0462710
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt015875
IRS990/Desc0CODE OF ALABAMA, SEC. 5-17-1, A CREDIT UNION IS A 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.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt0496618
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt07499
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt02282
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt540
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0WILLIAMS O STEWART
IRS990/Form990PartVIISectionAGrp/PersonNm1DANNY F FAULK
IRS990/Form990PartVIISectionAGrp/PersonNm2DOUGLAS WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm3BOBBY RAY OWENS
IRS990/Form990PartVIISectionAGrp/PersonNm4RINKEY STANLEY
IRS990/Form990PartVIISectionAGrp/PersonNm5KYLER FRAZIER
IRS990/Form990PartVIISectionAGrp/PersonNm6DEBORAH DEAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt575927
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt696721
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt6ASST MANAGER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0462710
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt038979
IRS990/InsuranceGrp/TotalAmt013791
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt094229
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt094229
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt08586281
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt08290300
IRS990/IRPDocumentCnt05
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0295035
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0280386
IRS990/LandBldgEquipCostOrOtherBssAmt0280386
IRS990/LegalDomicileStateCd0AL
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MiscellaneousRevenueGrp/ExclusionAmt00
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt00
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/MissionDesc0PROMOTING THRIFT AMONG ITS MEMBERS AND PROVIDING A SOURCE OF CREDIT FOR THEM AT LEGITIMATE INTEREST RATES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt03272082
IRS990/NetAssetsOrFundBalancesEOYAmt03238175
IRS990/NetUnrelatedBusTxblIncmAmt082
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt026172
IRS990/OfficeExpensesGrp/TotalAmt040305
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt016508
IRS990/OtherExpensesGrp/Desc0LEAGUE DUES
IRS990/OtherExpensesGrp/TotalAmt06497
IRS990/OtherLiabilitiesGrp/BOYAmt010609228
IRS990/OtherLiabilitiesGrp/EOYAmt010348133
IRS990/OtherRevenueMiscGrp/BusinessCd0522130
IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt018650
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt018732
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt082
IRS990/OtherRevenueTotalAmt018732
IRS990/OtherSalariesAndWagesGrp/TotalAmt0246460
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04427089
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt04165525
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt019436
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt024646
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt031371
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt028076
IRS990/PrincipalOfficerNm0DANNY F FAULK
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0349749
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0349749
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt027060
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt080965
IRS990/PYOtherExpensesAmt0169060
IRS990/PYOtherRevenueAmt017389
IRS990/PYProgramServiceRevenueAmt0334595
IRS990/PYRevenuesLessExpensesAmt0-74268
IRS990/PYSalariesCompEmpBnftPaidAmt0311097
IRS990/PYTotalExpensesAmt0507217
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0432949
IRS990/ReconcilationRevenueExpnssAmt0-33907
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0462711
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03272082
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03238175
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0487705
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0395332
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0197336
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0197336
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt054537
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt054537
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt028513
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt028513
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt010348133
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08176000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1104918
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt29382
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1DEPOSIT TO NUCSIF
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CORPORATE CU MEMBERSHIP CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0280386
IRS990ScheduleD/TotalBookValueSecuritiesAmt08290300
IRS990ScheduleD/TotalLiabilityAmt010348133
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL PERSONS ELIGIBLE FOR MEMBERSHIP WHO MAINTAIN A MINIMUM SHARE BALANCE ARE MEMBERS (STOCKHOLDERS) OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL ELIGIBLE MEMBERS CAN ATTEND THE ANNUAL MEMBERSHIP MEETING OF THE CREDIT UNION AND VOTE FOR DIRECTORS AND COMMITTEE PEOPLE WHO ARE UP FOR ELECTION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MONTHLY MEETINGS ARE WHERE ALL BUSINESS IS DOCUMENTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL POLICIES ARE REVIEWED ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4UPON REQUEST
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 C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt013885338
IRS990/TotalAssetsEOYAmt013589910
IRS990/TotalAssetsGrp/BOYAmt013885338
IRS990/TotalAssetsGrp/EOYAmt013589910
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0496617
IRS990/TotalGrossUBIAmt082
IRS990/TotalLiabilitiesBOYAmt010613256
IRS990/TotalLiabilitiesEOYAmt010351735
IRS990/TotalLiabilitiesGrp/BOYAmt010613256
IRS990/TotalLiabilitiesGrp/EOYAmt010351735
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03272082
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03238175
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0496618
IRS990/TotalProgramServiceRevenueAmt0349749
IRS990/TotalReportableCompFromOrgAmt0172648
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0462628
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0462710
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt082
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt013885338
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt013589910
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01469
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0P O DRAWER 70
IRS990/USAddress/CityNm0OPP
IRS990/USAddress/StateAbbreviationCd0AL
IRS990/USAddress/ZIPCd036467
IRS990/VotingMembersGoverningBodyCnt00
IRS990/VotingMembersIndependentCnt00
IRS990/WhistleblowerPolicyInd00
ReasonableCauseExplanation/ExplanationTxt0FILED AN EXTENSION REQUEST MAY 11, 2016.
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBORAH DEAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ASST MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03344936434
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-06-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0OPP-MICOLAS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0OPP-
ReturnHeader/Filer/EIN0630337813
ReturnHeader/Filer/PhoneNum03344936434
ReturnHeader/Filer/USAddress/AddressLine1Txt0P O DRAWER 70
ReturnHeader/Filer/USAddress/CityNm0OPP
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AL
ReturnHeader/Filer/USAddress/ZIPCd036467
ReturnHeader/ReturnTs02016-06-02T18:45:09-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.9$8.17$2.71$0.57$0.61$0.04
2023Summary only. Only limited summary data is available for this year.$11.6$8.84$2.76$0.58$0.57$0.01
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.5$9.75$2.74$0.32$0.50$0.18
2021Summary only. Only limited summary data is available for this year.$12.7$9.82$2.92$0.29$0.50$0.21
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.2$9.11$3.14$0.40$0.49$0.10
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.0$8.74$3.23$0.48$0.48$0.00
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.3$9.10$3.23$0.47$0.46$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.2$9.92$3.23$0.44$0.45$0.02
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.1$9.87$3.24$0.43$0.43$0.00
2015Detailed filing. Detailed filing data is available for this year.$13.6$10.4$3.24$0.46$0.50$0.03
2015Summary only. Only limited summary data is available for this year.$13.6$10.4$3.24$0.46$0.50$0.03
2014Detailed filing. Detailed filing data is available for this year.$13.9$10.6$3.27$0.43$0.51$0.07
2013Detailed filing. Detailed filing data is available for this year.$13.5$10.2$3.35$0.46$0.55$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.2$9.76$3.44$0.57
2011Summary only. Only limited summary data is available for this year.$13.0$9.46$3.51$0.52$0.62$0.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$8.81$3.61$0.58