Civic Intelligence

Fort Mcclellan Credit Union

990 • Fiscal year 2012 • EIN 63-0346919

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 15, 2013

Organization ProfileWWW.FORTMCCLELLANCU.ORG

View Organization Page

1731 Noble Street36201
Siviq Scores

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

Liabilities / Assets

24th percentile

0.87x

Higher debt load relative to assets than 24% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

88th percentile

10%

Faster asset growth than 88% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$184,054,879

Up $17,024,359 (+10%) from 2011

Net Assets

Up

$23,835,346

Up $1,129,770 (+5.0%) from 2011

Liabilities

Up

$160,219,533

Up $15,894,589 (+11%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$5,601,393

Down $39,214 (-0.7%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth88th percentile

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

$300M$200M$100M$0Assets 2010: $147,507,667Liabilities 2010: $125,741,532Net Assets 2010: $21,766,1352010Assets 2011: $167,030,520Liabilities 2011: $144,324,944Net Assets 2011: $22,705,5762011Assets 2012: $184,054,879Liabilities 2012: $160,219,533Net Assets 2012: $23,835,3462012Assets 2013: $198,165,284Liabilities 2013: $172,921,852Net Assets 2013: $25,243,4322013Assets 2014: $205,234,592Liabilities 2014: $178,661,082Net Assets 2014: $26,573,5102014Assets 2015: $214,348,248Liabilities 2015: $186,041,143Net Assets 2015: $28,307,1052015Assets 2016: $228,709,727Liabilities 2016: $198,911,955Net Assets 2016: $29,797,7722016Assets 2017: $231,725,638Liabilities 2017: $200,145,680Net Assets 2017: $31,579,9582017Assets 2018: $230,738,912Liabilities 2018: $199,274,604Net Assets 2018: $31,464,3082018Assets 2019: $212,572,248Liabilities 2019: $182,154,426Net Assets 2019: $30,417,8222019Assets 2020: $232,366,387Liabilities 2020: $203,177,410Net Assets 2020: $29,188,9772020Assets 2021: $237,814,363Liabilities 2021: $209,610,790Net Assets 2021: $28,203,5732021Assets 2022: $233,224,923Liabilities 2022: $217,797,379Net Assets 2022: $15,427,5442022Assets 2023: $234,158,502Liabilities 2023: $217,675,633Net Assets 2023: $16,482,8692023Assets 2024: $219,592,573Liabilities 2024: $202,515,016Net Assets 2024: $17,077,5572024

Highlighted filing

2012

Assets$184,054,879
Liabilities$160,219,533
Net Assets$23,835,346
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$15M$10M$5.0M$0-$5.0MExpenses 2010: $5,588,2152010Expenses 2011: $5,640,6072011Expenses 2012: $5,601,3932012Revenue 2013: $6,619,129Expenses 2013: $5,348,376Net Income 2013: $1,270,7532013Revenue 2014: $6,984,925Expenses 2014: $5,654,847Net Income 2014: $1,330,0782014Revenue 2015: $7,350,813Expenses 2015: $5,763,836Net Income 2015: $1,586,9772015Revenue 2016: $7,580,807Expenses 2016: $6,090,140Net Income 2016: $1,490,6672016Revenue 2017: $8,105,030Expenses 2017: $6,325,365Net Income 2017: $1,779,6652017Revenue 2018: $8,812,834Expenses 2018: $8,059,597Net Income 2018: $753,2372018Revenue 2019: $8,319,364Expenses 2019: $9,114,851Net Income 2019: -$795,4872019Revenue 2020: $7,314,107Expenses 2020: $7,684,409Net Income 2020: -$370,3022020Revenue 2021: $7,242,048Expenses 2021: $7,817,464Net Income 2021: -$575,4162021Revenue 2022: $8,315,286Expenses 2022: $8,270,624Net Income 2022: $44,6622022Revenue 2023: $10,075,031Expenses 2023: $10,847,503Net Income 2023: -$772,4722023Revenue 2024: $10,945,702Expenses 2024: $11,616,451Net Income 2024: -$670,7492024

Highlighted filing

2012

Revenue-
Expenses$5,601,393
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 15, 2013
Return Version
2012v2.1
Gross Receipts
$6,832,640
Mission and Program Overview

Mission

This credit union is a voluntary, cooperative, non-profit financial institution, chartered under the alabama credit union act (code of alabama, 1975, title 5 chapter 17). Its primary purpose is the encouragement of thrift, the creation of a source of credit at fair and reasonable rates of interest, and the provision of opportunities for its members to control their own money in order to improve their economic and social condition.

Filing and Contact Details

Filer

EIN
63-0346919
Raw XML AppendixShowing 400 of 416 raw XML fields

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IRS990/MissionDescription0THE FORT MCCLELLAN CREDIT UNION IS A MEMBER OWNED AND CONTROLLED FINANCIAL INSTITUTION WHOSE PURPOSE IS TO MAXIMIZE MEMBER BENEFITS BY PROVIDING COST EFFECTIVE FINANCIAL SERVICES TO MEET THEIR NEEDS; TO ENDEAVOR TO EXPAND BOTH MEMBERSHIP AND SERVICES WHILE MAINTAINING FINANCIAL SOUNDNESS; AND TO PROMOTE THE PRINCIPLES OF THE CREDIT UNION MOVEMENT AT FORT MCCLELLAN AND THE SURROUNDING COMMUNITY.
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IRS990ScheduleO/GeneralExplanation/Explanation0FORT MCCELLAN 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 BE AN INDIVIDUAL WHO LIVES, WORKS, OR ATTENDS SCHOOL IN CALHOUN, CLEBURNE, TALLADEGA, CLAY, RANDOLPH, CHEROKEE, ETOWAH, ST. CLAIR AND CHAMBERS COUNTIES IN THE STATE OF ALABAMA.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS OF THE CREDIT UNION ELECT MEMBERS OF THE GOVERNING BODY BY PLURALITY VOTE AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION DOES NOT HAVE COMMITTEES WITH THE RESPONSIBILITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/GeneralExplanation/Explanation3UPON COMPLETION OF THE CREDIT UNION'S FORM 990, THE RETURN IS PRESENTED TO THE BOARD AT A BOARD OF DIRECTORS MEETING. AT THE MEETING, THE BOARD MEMBERS REVIEW THE TAX RETURN AND ARE FREE TO ASK ANY QUESTIONS OR ENGAGE IN DISCUSSION REGARDING ANY TOPIC COVERED IN THE RETURN. ONCE THE GOVERNING BODY HAS REVIEWED AND APPROVED THE FORM 990, THE RETURN IS FILED WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/GeneralExplanation/Explanation4CREDIT UNION STAFF REVIEW THE CONFLICT OF INTEREST POLICY EACH YEAR WITH THE CREDIT UNION'S MANAGER. AT THIS MEETING, THE STAFF MEMBERS ARE FREE TO ASK ANY QUESTIONS REGARDING THIS POLICY. THE CREDIT UNION MANAGER CONSTANTLY MONITORS THE STAFF TO MAKE SURE EVERYONE IS IN COMPLIANCE WITH THE POLICY. IT IS THE RESPONSIBILITY OF STAFF OR DIRECTORS TO IMMEDIATELY NOTIFY THE CREDIT UNION MANAGERS OF ANY POTENTIAL CONFLICT OF INTEREST. ADDITIONALLY, THE FORT MCCLELLAN CREDIT UNION DOES NOT HIRE FAMILY MEMBERS FOR WORK DONE AT THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation5COMPENSATION FOR THE CEO IS DETERMINED ON A YEARLY BASIS. BEFORE COMPENSATION IS SET, A PERSONNEL COMMITTEE EXAMINES THE TYPE AND AMOUNT OF WORK PERFORMED BY THE CEO WHILE TAKING INTO ACCOUNT THE CREDIT UNION'S PRIOR YEAR INCOME. THE COMMITTEE USES NATIONAL PEER GROUP SALARY GUIDES PROVIDED BY CUNA AS AN INDEPENDENT SALARY GUIDE. THE PERSONNEL COMMITTEE THEN PRESENTS THE SALARY TO THE BOARD OF DIRECTORS FOR APPROVAL. ALL OTHER SALARIES ARE SET BY THE CEO, PENDING BOARD APPROVAL, BASED UPON THE CUNA SALARY GUIDE.
IRS990ScheduleO/GeneralExplanation/Explanation6THE 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/GeneralExplanation/Explanation7ON A YEARLY BASIS, THE NATIONAL CREDIT UNION ADMINISTRATION AND THE ALABAMA CREDIT UNION ADMINISTRATION EXAMINE THE FINANCIAL STATEMENTS OF THE CREDIT UNION. ADDITIONALLY, THE LEAGUE OF SOUTHEASTERN CREDIT UNIONS PERFORMS SIMILAR PROCEDURES AND REVIEW OF THE CREDIT UNION'S FINANCIAL STATEMENTS QUARTERLY.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XII, LINE 2:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0AL
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101731 NOBLE STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0ANNISTON
IRS990/TheBooksAreInCareOf/AddressUS/State0AL
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode036201
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10LYNDA DAVIS SENIOR VP
IRS990/TheBooksAreInCareOf/TelephoneNumber02562372113
IRS990/TotalAssets/BOY0167030520
IRS990/TotalAssetsBOY0167030520
IRS990/TotalAssets/EOY0184054879
IRS990/TotalAssetsEOY0184054879
IRS990/TotalCompGT150K01
IRS990/TotalExpensesCurrentYear05601393
IRS990/TotalExpensesPriorYear05640607
IRS990/TotalFunctionalExpenses/Total05601393
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI096557
IRS990/TotalLiabilities/BOY0144324944
IRS990/TotalLiabilitiesBOY0144324944
IRS990/TotalLiabilities/EOY0160219533
IRS990/TotalLiabilitiesEOY0160219533
IRS990/TotalLiabNetAssetsFundBalances/BOY0167030520
IRS990/TotalLiabNetAssetsFundBalances/EOY0184054879
IRS990/TotalNbrEmployees059
IRS990/TotalNbrVolunteers012
IRS990/TotalNetAssetsFundBalances/BOY022705576
IRS990/TotalNetAssetsFundBalances/EOY023835346
IRS990/TotalOtherCompensation082735
IRS990/TotalOtherRevenue01562054
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue04596253
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0331118
IRS990/TotalRevenueCurrentYear06731163
IRS990/TotalRevenue/ExclusionAmount0572856
IRS990/TotalRevenuePriorYear06580048
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome06061750
IRS990/TotalRevenue/TotalRevenueColumn06731163
IRS990/TotalRevenue/UnrelatedBusinessRevenue096557
IRS990/Travel/Total06905
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.FORTMCCLELLANCU.ORG
IRS990/WhistleblowerPolicy01
IRS990/YearFormation01953
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0630346919
ReturnHeader/Filer/Name/BusinessNameLine10FORT MCCLELLAN CREDIT UNION
ReturnHeader/Filer/NameControl0FORT
ReturnHeader/Filer/Phone02562372113
ReturnHeader/Filer/USAddress/AddressLine101731 NOBLE STREET
ReturnHeader/Filer/USAddress/City0ANNISTON
ReturnHeader/Filer/USAddress/State0AL
ReturnHeader/Filer/USAddress/ZIPCode036201
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-04-15
ReturnHeader/Officer/Name0CURT SASSER

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$184,054,879
Liabilities
$160,219,533
Net assets
$23,835,346
Revenue
-
Expenses
$5,601,393
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$220$203$17.1$10.9$11.6$0.67
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$234$218$16.5$10.1$10.8$0.77
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$233$218$15.4$8.32$8.27$0.04
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$238$210$28.2$7.24$7.82$0.58
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$232$203$29.2$7.31$7.68$0.37
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$213$182$30.4$8.32$9.11$0.80
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$231$199$31.5$8.81$8.06$0.75
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$232$200$31.6$8.11$6.33$1.78
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$229$199$29.8$7.58$6.09$1.49
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$214$186$28.3$7.35$5.76$1.59
2014Detailed filing. Detailed filing data is available for this year.$205$179$26.6$6.98$5.65$1.33
2013Detailed filing. Detailed filing data is available for this year.$198$173$25.2$6.62$5.35$1.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$184$160$23.8$5.60
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$167$144$22.7$5.64
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$148$126$21.8$5.59