Civic Intelligence

Birmingham City Credit Union

EIN 63-0368585 • 501(c)14 • Birmingham, AL

View Organization Page

Profile

Credit union - to provide services to approximately 2,460 members in the form of loans, savings, and other financial services.

2725 35th Ave NorthBirmingham, AL 35207-2839

n/A

Siviq Scores

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

Liabilities / Assets

35th percentile

0.81x

Higher debt load relative to assets than 35% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

19th percentile

6.55x

Higher debt load relative to revenue than 19% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

45th percentile

1.3%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

89th percentile

$139,599

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 12.4% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

24th percentile

-6.5%

Faster asset growth than 24% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

26th percentile

-3.9%

Faster revenue growth than 26% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets35th percentile

Assets

Down

$9,106,560

Down $637,745 (-6.5%) from 2023

Liabilities

Down

$7,386,401

Down $652,717 (-8.1%) from 2023

Net Assets

Up

$1,720,159

Up $14,972 (+0.9%) from 2023

Operations
Liabilities / Revenue19th percentileNet Margin45th percentile

Revenue

Down

$1,127,673

Down $45,517 (-3.9%) from 2023

Expenses

Down

$1,112,702

Down $11,253 (-1.0%) from 2023

Net Income

Down

$14,971

Down $34,264 (-70%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth24th percentile

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

$10M$5.0M$0Assets 2010: $5,356,898Liabilities 2010: $4,724,282Net Assets 2010: $632,6162010Assets 2011: $5,746,951Liabilities 2011: $5,026,521Net Assets 2011: $720,4302011Assets 2012: $6,200,166Liabilities 2012: $5,364,319Net Assets 2012: $835,8472012Assets 2013: $6,772,149Liabilities 2013: $5,858,168Net Assets 2013: $913,9812013Assets 2014: $7,322,244Liabilities 2014: $6,318,777Net Assets 2014: $1,003,4672014Assets 2015: $7,918,037Liabilities 2015: $6,813,945Net Assets 2015: $1,104,0922015Assets 2016: $8,590,989Liabilities 2016: $7,404,861Net Assets 2016: $1,186,1282016Assets 2017: $8,951,563Liabilities 2017: $7,693,012Net Assets 2017: $1,258,5512017Assets 2018: $8,765,737Liabilities 2018: $7,359,835Net Assets 2018: $1,405,9022018Assets 2019: $8,984,115Liabilities 2019: $7,487,269Net Assets 2019: $1,496,8462019Assets 2020: $9,248,611Liabilities 2020: $7,750,976Net Assets 2020: $1,497,6352020Assets 2021: $9,688,772Liabilities 2021: $8,086,647Net Assets 2021: $1,602,1252021Assets 2022: $9,351,137Liabilities 2022: $7,695,187Net Assets 2022: $1,655,9502022Assets 2023: $9,744,305Liabilities 2023: $8,039,118Net Assets 2023: $1,705,1872023Assets 2024: $9,106,560Liabilities 2024: $7,386,401Net Assets 2024: $1,720,1592024

Highlighted filing

2024

Assets$9,106,560
Liabilities$7,386,401
Net Assets$1,720,159
Open 2024 Filing

Operations Trend

Revenue Growth26th percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $395,6102010Expenses 2011: $411,0512011Revenue 2012: $577,106Expenses 2012: $461,689Net Income 2012: $115,4172012Revenue 2013: $597,196Expenses 2013: $519,062Net Income 2013: $78,1342013Revenue 2014: $662,055Expenses 2014: $572,571Net Income 2014: $89,4842014Revenue 2015: $744,556Expenses 2015: $643,931Net Income 2015: $100,6252015Revenue 2016: $755,383Expenses 2016: $673,348Net Income 2016: $82,0352016Revenue 2017: $825,521Expenses 2017: $753,098Net Income 2017: $72,4232017Revenue 2018: $821,642Expenses 2018: $674,293Net Income 2018: $147,3492018Revenue 2019: $935,792Expenses 2019: $844,849Net Income 2019: $90,9432019Revenue 2020: $911,265Expenses 2020: $910,475Net Income 2020: $7902020Revenue 2021: $823,840Expenses 2021: $719,351Net Income 2021: $104,4892021Revenue 2022: $966,521Expenses 2022: $912,694Net Income 2022: $53,8272022Revenue 2023: $1,173,190Expenses 2023: $1,123,955Net Income 2023: $49,2352023Revenue 2024: $1,127,673Expenses 2024: $1,112,702Net Income 2024: $14,9712024

Highlighted filing

2024

Revenue$1,127,673
Expenses$1,112,702
Net Income$14,971
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$9,106,560
Liabilities
$7,386,401
Net assets
$1,720,159
Revenue
$1,127,673
Expenses
$1,112,702
Net income
$14,971
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$9.11$7.39$1.72$1.13$1.11$0.01
2023Detailed filing. Detailed filing data is available for this year.$9.74$8.04$1.71$1.17$1.12$0.05
2022Detailed filing. Detailed filing data is available for this year.$9.35$7.70$1.66$0.97$0.91$0.05
2021Detailed filing. Detailed filing data is available for this year.$9.69$8.09$1.60$0.82$0.72$0.10
2020Detailed filing. Detailed filing data is available for this year.$9.25$7.75$1.50$0.91$0.91$0.00
2019Detailed filing. Detailed filing data is available for this year.$8.98$7.49$1.50$0.94$0.84$0.09
2018Detailed filing. Detailed filing data is available for this year.$8.77$7.36$1.41$0.82$0.67$0.15
2017Detailed filing. Detailed filing data is available for this year.$8.95$7.69$1.26$0.83$0.75$0.07
2016Detailed filing. Detailed filing data is available for this year.$8.59$7.40$1.19$0.76$0.67$0.08
2015Detailed filing. Detailed filing data is available for this year.$7.92$6.81$1.10$0.74$0.64$0.10
2014Detailed filing. Detailed filing data is available for this year.$7.32$6.32$1.00$0.66$0.57$0.09
2013Detailed filing. Detailed filing data is available for this year.$6.77$5.86$0.91$0.60$0.52$0.08
2012Summary only. Only limited summary data is available for this year.$6.20$5.36$0.84$0.58$0.46$0.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.75$5.03$0.72$0.41
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.36$4.72$0.63$0.40
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 31, 2025
Return Version
2024v5.0
Gross Receipts
$1,127,673
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 provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$7,901,395$7,459,329▼ $442,066
Cap Stk Tr Prin Current Funds$1,634,096$1,649,068▲ $14,972
Cash and Non-Interest-Bearing Accounts$1,174,203$978,680▼ $195,523
Land, Buildings, and Equipment, Net$480,197$480,348▲ $151
Rtn Earn Endowment Incm Other Fnds$71,091$71,091→ $0
Investments Other Securities$49,005$49,015▲ $10
Prepaid Expenses and Deferred Charges$36,286$19,003▼ $17,283
Total Assets$9,744,305$9,106,560▼ $637,745
Other Assets Total$103,219$120,185▲ $16,966
Liabilities
Other Liabilities$7,998,367$7,279,333▼ $719,034
Accounts Payable and Accrued Expenses$40,751$107,068▲ $66,317
Total Liabilities$8,039,118$7,386,401▼ $652,717
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,705,187$1,720,159▲ $14,972
Total Liabilities and Net Assets / Fund Balance$9,744,305$9,106,560▼ $637,745

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$362,085$60,000$422,085
Equipment$22,806$52,202$75,008
Other Land Buildings$70,257-$70,257
Land$25,200-$25,200
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Carrie PlayerCEO/treasureFT$112,840$26,759$139,599
Kristin FinchAssistant MaFT$84,054$24,960$109,014

Board Members and Trustees

NameTitle
James RobinettBoard Chairm
Andrea StallworthBoard Member
Karen WrenBoard Member
Marilyn ChapmanBoard Member
Robert AverhartBoard Member
Thomas BentleyBoard Secret
Eddie LeeBoard Vice C
Angela BryantSupervisory
Sedrick RutledgeSupervisory
Tamela ParrishSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,075,453
Investment Income
$41,341
Other Revenue
$10,879
Change in Net Assets
$14,971
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$701,619
Salaries, Compensation, and Employee Benefits$411,083
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses-$325,659-$325,659
Other Salaries and Wages-$316,674-$316,674
Interest-$65,925-$65,925
Other Employee Benefits-$57,799-$57,799
Occupancy-$51,175-$51,175
Payroll Taxes-$23,643-$23,643
Pension Plan Contributions-$12,967-$12,967
Conferences and Meetings-$9,122-$9,122
All Other Expenses-$8,094-$8,094
Other Expenses-$5,353-$5,353
Total Functional Expenses$0$1,112,702$0$1,112,702
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
Regular Shares$6,666,319
All Other Shares$375,875
Share Drafts$237,139
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
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 members elect the board of directors at the annual meeting each year.”

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

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

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

“The manager reviews the form 990. 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 monitor and enforce the conflict of interest policy.”

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

“The board of directors reviews the compensation for the manager using cuna comparative data for credit unions.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Birmingham City Credit Union
EIN
63-0368585
Phone
2055834654
Address
2725 35TH AVE NORTH, BIRMINGHAM, AL 35207-2839

Signing Officer

Name
Carrie Player
Title
CEO/treasurer
Phone
2055834654
Signed
2025-03-31
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Carrie Player
Formed
1956
Legal Domicile
Al
Voting Board Members
7
Independent Board Members
7
Employees
6
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 relted to duties of the board of directors, supervisory committee, and credit committee without compensation.”

Form 990, Part XI, Line 9

“Due to rounding 1 due to rounding 0 total 1”

Raw XML Appendix388 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/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1243078
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDES A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt071091
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt071091
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt060000
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IRS990ScheduleD/EquipmentGrp/BookValueAmt022806
IRS990ScheduleD/EquipmentGrp/DepreciationAmt052202
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt075008
IRS990ScheduleD/LandGrp/BookValueAmt025200
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt025200
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt070257
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt070257
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELTED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT 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 MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EACH YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS REVIEWS THE COMPENSATION FOR THE MANAGER USING CUNA COMPARATIVE DATA FOR CREDIT UNIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8DUE TO ROUNDING 1 DUE TO ROUNDING 0 TOTAL 1
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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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/TotalLiabilitiesEOYAmt07386401
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IRS990/TotalOtherCompensationAmt051719
IRS990/TotalProgramServiceExpensesAmt01112702
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IRS990/TotalReportableCompFromOrgAmt0196894
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01127673
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt010879
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IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0BIRMINGHAM
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IRS990/USAddress/ZIPCd035203
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0CARRIE PLAYER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum02055834654
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-03-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BIRMINGHAM CITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0BIRM
ReturnHeader/Filer/EIN0630368585
ReturnHeader/Filer/PhoneNum02055834654
ReturnHeader/Filer/USAddress/AddressLine1Txt02725 35TH AVE NORTH
ReturnHeader/Filer/USAddress/CityNm0BIRMINGHAM
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ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-04-07T17:33:41-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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