Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
18th percentile
Higher debt load relative to assets than 18% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
76th percentile
Faster asset growth than 76% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Up$10,852,076
Up $642,314 (+6.3%) from 2010
Net Assets
Up$2,287,593
Up $10,485 (+0.5%) from 2010
Liabilities
Up$8,564,483
Up $631,829 (+8.0%) from 2010
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$546,767
Down $69,642 (-11%) from 2010
Net Income
-
No earlier filing loaded for comparison.
To provide thrift opportunities and low cost loans to members
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/AccountantCompileOrReview | 0 | 0 |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 53717 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 48822 |
| IRS990/ActivitiesConductedPartnership | 0 | 0 |
| IRS990/ActivityOrMissionDescription | 0 | TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 1102 SINGLETON DRIVE |
| IRS990/AddressPrincipalOfficerUS/City | 0 | SELMA |
| IRS990/AddressPrincipalOfficerUS/State | 0 | AL |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 36703 |
| IRS990/Advertising/Total | 0 | 3299 |
| IRS990/AllOtherExpenses/Total | 0 | 13930 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | 0 |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BenefitsPaidToMembersPriorYear | 0 | 0 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | 0 |
| IRS990/BsnssRltnshpWithOrganization | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/BOY | 0 | 0 |
| IRS990/CapStckTrstPrinCurrentFunds/EOY | 0 | 0 |
| IRS990/CashNonInterestBearing/BOY | 0 | 450064 |
| IRS990/CashNonInterestBearing/EOY | 0 | 283433 |
| IRS990/ChangesToOrganizingDocs | 0 | 0 |
| IRS990/CollectionsOfArt | 0 | 0 |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 87732 |
| IRS990/CompensationFromOtherSources | 0 | 0 |
| IRS990/CompensationProcessCEO | 0 | 1 |
| IRS990/CompensationProcessOther | 0 | 1 |
| IRS990/ComplianceWithBackupWitholding | 0 | 1 |
| IRS990/ConferencesMeetings/Total | 0 | 7969 |
| IRS990/ConflictOfInterestPolicy | 0 | 1 |
| IRS990/ConservationEasements | 0 | 0 |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | 0 |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/ContributionsGrantsPriorYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | 0 |
| IRS990/DecisionsSubjectToApproval | 0 | 0 |
| IRS990/DeductibleContributionsOfArt | 0 | 0 |
| IRS990/DeductibleNonCashContributions | 0 | 0 |
| IRS990/DelegationOfManagementDuties | 0 | 0 |
| IRS990/DepreciationDepletion/Total | 0 | 35205 |
| IRS990/DescribedIn501C3 | 0 | 0 |
| IRS990/Description | 0 | 5,137 MEMBERS SERVED TO PROMOTE THRIFT OPPORTUNITIES AND LOW COST LOANS |
| IRS990/DisregardedEntity | 0 | 0 |
| IRS990/DocumentRetentionPolicy | 0 | 1 |
| IRS990/DonorAdvisedFunds | 0 | 0 |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | 1 |
| IRS990/EmploymentTaxReturnsFiled | 0 | 1 |
| IRS990/FamilyOrBusinessRelationship | 0 | 0 |
| IRS990/FederalGrantAuditRequired | 0 | 0 |
| IRS990/FeesForServicesAccounting/Total | 0 | 6070 |
| IRS990/FeesForServicesLegal/Total | 0 | 8153 |
| IRS990/FeesForServicesOther/Total | 0 | 10340 |
| IRS990/ForeignActivities | 0 | 0 |
| IRS990/ForeignFinancialAccount | 0 | 0 |
| IRS990/ForeignOffice | 0 | 0 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 40.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 5 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 6 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 8 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 9 | 40.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 7 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 8 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | PAMELA MCILWAIN |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | JOYCE CANADA |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | WEBB HUGHES |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | BARNEY MORGAN |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | VLENCON BROWN |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | DORMAN ROBINSON |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | MADELYN S BOWLES |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | KEN ROBERTS |
| IRS990/Form990PartVIISectionA/NamePerson | 8 | HUGO SMITH |
| IRS990/Form990PartVIISectionA/NamePerson | 9 | PAULINE WEBB |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/Officer | 1 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 7560 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 3 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 4 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 5 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 6 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 7 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 8 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 9 | 5400 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 46287 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 8 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 9 | 28485 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 8 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 9 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | CEO, PRESIDENT |
| IRS990/Form990PartVIISectionA/Title | 1 | BOARD MEMBER-CHAIRPERSON |
| IRS990/Form990PartVIISectionA/Title | 2 | BOARD MEMBER- VICE CHAIR |
| IRS990/Form990PartVIISectionA/Title | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 6 | BOARD MEMBER-SECRETARY |
| IRS990/Form990PartVIISectionA/Title | 7 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 8 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 9 | VICE PRESIDENT |
| IRS990/Form990ProvidedToGoverningBody | 0 | 1 |
| IRS990/Form990-TFiled | 0 | 1 |
| IRS990/FormersListed | 0 | 0 |
| IRS990/FSAudited | 0 | 0 |
| IRS990/FundraisingActivities | 0 | 0 |
| IRS990/Gaming | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsAndSimilarAmntsPriorYear | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | 0 |
| IRS990/GrantsToOrganizations | 0 | 0 |
| IRS990/GrantToRelatedPerson | 0 | 0 |
| IRS990/GrossReceipts | 0 | 557252 |
| IRS990/GroupReturnForAffiliates | 0 | 0 |
| IRS990/Hospital | 0 | 0 |
| IRS990/IndependentAuditFinancialStmt | 0 | 0 |
| IRS990/IndoorTanningServices | 0 | 0 |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InfoInScheduleOPartXII | 0 | X |
| IRS990/Insurance/Total | 0 | 24842 |
| IRS990/Interest/Total | 0 | 12500 |
| IRS990/InvestmentIncomeCurrentYear | 0 | 24406 |
| IRS990/InvestmentIncome/ExclusionAmount | 0 | 24406 |
| IRS990/InvestmentIncomePriorYear | 0 | 28354 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 24406 |
| IRS990/InvestmentInJointVenture | 0 | 0 |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 324257 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 689937 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 380422 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 365680 |
| IRS990/LoanToOfficerOrDQP | 0 | 0 |
| IRS990/LocalChapters | 0 | 0 |
| IRS990/MaterialDiversionOrMisuse | 0 | 0 |
| IRS990/MembersOrStockholders | 0 | 1 |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | 0 |
| IRS990/MinutesOfGoverningBody | 0 | 1 |
| IRS990/MiscellaneousRevenue/TotalRevenueColumn | 0 | 4 |
| IRS990/MiscellaneousRevenue/UnrelatedBusinessRevenue | 0 | 4 |
| IRS990/MissionDescription | 0 | TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS |
| IRS990/MoreThan5000KToIndividuals | 0 | 0 |
| IRS990/MoreThan5000KToOrganizations | 0 | 0 |
| IRS990/NameOfPrincipalOfficerPerson | 0 | PAMELA MCILWAIN |
| IRS990/NbrIndependentVotingMembers | 0 | 8 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 9 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 9 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 2277108 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 2287593 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 0 |
| IRS990/NonDeductibleContributions | 0 | 0 |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 317 |
| IRS990/NumberIndependentVotingMembers | 0 | 8 |
| IRS990/NumberIndividualsGT100K | 0 | 0 |
| IRS990/NumberOfContractorsGT100K | 0 | 0 |
| IRS990/NumberOfEmployees | 0 | 12 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/Total | 0 | 27103 |
| IRS990/OfficeExpenses/Total | 0 | 58108 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | 0 |
| IRS990/OfficerMailingAddress | 0 | 0 |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 99715 |
| IRS990/OtherAssetsTotal/EOY | 0 | 116891 |
| IRS990/OtherEmployeeBenefits/Total | 0 | 7300 |
| IRS990/OtherExpensePriorYear | 0 | 398992 |
| IRS990/OtherExpensesCurrentYear | 0 | 321312 |
| IRS990/OtherExpenses/Description | 0 | BAD DEBT |
| IRS990/OtherExpenses/Description | 1 | CHECK AND LOAN SERVICIN |
| IRS990/OtherExpenses/Description | 2 | NCUSIF STABILIZATION EX |
| IRS990/OtherExpenses/Description | 3 | MISCELLANEOUS EXPENSE |
| IRS990/OtherExpenses/Total | 0 | 41000 |
| IRS990/OtherExpenses/Total | 1 | 30007 |
| IRS990/OtherExpenses/Total | 2 | 27070 |
| IRS990/OtherExpenses/Total | 3 | 15594 |
| IRS990/OtherLiabilities/BOY | 0 | 7878937 |
| IRS990/OtherLiabilities/EOY | 0 | 8515661 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 6076435 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 5678802 |
| IRS990/OtherRevenueCurrentYear | 0 | 100437 |
| IRS990/OtherRevenueMisc/BusinessCode | 0 | 522130 |
| IRS990/OtherRevenueMisc/BusinessCode | 1 | 522130 |
| IRS990/OtherRevenueMisc/BusinessCode | 2 | 524298 |
| IRS990/OtherRevenueMisc/Description | 0 | ACCOUNT AND LOAN FEES |
| IRS990/OtherRevenueMisc/Description | 1 | OTHER OPERATING INCOME |
| IRS990/OtherRevenueMisc/Description | 2 | INSURANCE FEES |
| IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome | 0 | 92488 |
| IRS990/OtherRevenueMisc/RelatedOrExemptFunctionIncome | 1 | 4647 |
| IRS990/OtherRevenueMisc/TotalRevenueColumn | 0 | 92488 |
| IRS990/OtherRevenueMisc/TotalRevenueColumn | 1 | 4647 |
| IRS990/OtherRevenueMisc/TotalRevenueColumn | 2 | 3298 |
| IRS990/OtherRevenueMisc/UnrelatedBusinessRevenue | 0 | 3298 |
| IRS990/OtherRevenuePriorYear | 0 | 118157 |
| IRS990/OtherSalariesAndWages/Total | 0 | 109914 |
| IRS990/PaidInCapSrplsLandBldgEqpFund/BOY | 0 | 0 |
| IRS990/PaidInCapSrplsLandBldgEqpFund/EOY | 0 | 0 |
| IRS990/PartialLiquidation | 0 | 0 |
| IRS990/PayrollTaxes/Total | 0 | 15169 |
| IRS990/PensionPlanContributions/Total | 0 | 5340 |
| IRS990/PoliticalActivities | 0 | 0 |
| IRS990/ProfessionalFundraising | 0 | 0 |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 522130 |
| IRS990/ProgramServiceRevenueCY | 0 | 432409 |
| IRS990/ProgramServiceRevenue/Description | 0 | LOAN INTEREST INCOME |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 489645 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 432409 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 432409 |
| IRS990/ProhibitedTaxShelterTrans | 0 | 0 |
| IRS990/ReconcilationOtherChanges | 0 | 0 |
| IRS990/ReconcilationRevenueExpenses | 0 | 10485 |
| IRS990/RegularMonitoringEnforcement | 0 | 1 |
| IRS990/RelatedEntity | 0 | 0 |
| IRS990/RelatedOrgControlledEntity | 0 | 0 |
| IRS990/ReportFin48Footnote | 0 | 0 |
| IRS990/ReportInvestOthSecurities | 0 | 0 |
| IRS990/ReportLandBldgEquip | 0 | 1 |
| IRS990/ReportOtherAssets | 0 | 0 |
| IRS990/ReportOtherLiabilities | 0 | 1 |
| IRS990/ReportProgRelInvest | 0 | 0 |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 2277108 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 2287593 |
| IRS990/RevenuesLessExpensesCY | 0 | 10485 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | 19747 |
| IRS990/SalariesEtcCurrentYear | 0 | 225455 |
| IRS990/SalariesEtcPriorYear | 0 | 217417 |
| IRS990/SavingsAndTempCashInvestments/BOY | 0 | 3203126 |
| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 4407270 |
| IRS990/ScheduleBRequired | 0 | 0 |
| IRS990ScheduleD/Buildings/BookValue | 0 | 294646 |
| IRS990ScheduleD/Buildings/Depreciation | 0 | 126924 |
| IRS990ScheduleD/Buildings/OtherCostOrOtherBasis | 0 | 421570 |
| IRS990ScheduleD/Land/BookValue | 0 | 50000 |
| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 50000 |
| IRS990ScheduleD/OtherLandBuildings/BookValue | 0 | 21034 |
| IRS990ScheduleD/OtherLandBuildings/Depreciation | 0 | 197333 |
| IRS990ScheduleD/OtherLandBuildings/OtherCostOrOtherBasis | 0 | 218367 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 8515661 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/TotalOfAmounts | 0 | 8515661 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 365680 |
| IRS990/ScheduleJRequired | 0 | 0 |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | CRAIG 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, OR WORSHIP IN DALLAS, CHILTON, PERRY, AUTAUGA, LOWNDES, OR WILCOX COUNTIES IN THE STATE OF ALABAMA. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | MEMBERS OF THE CREDIT UNION ELECT MEMBERS OF THE GOVERNING BODY BY PLURALITY VOTE AT THE ANNUAL MEETING. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | THE CREDIT UNION DOES NOT HAVE COMMITTEES WITH THE RESPONSIBILITY TO ACT ON BEHALF OF THE GOVERNING BODY. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | UPON 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/Explanation | 4 | CRAIG CREDIT UNION FOLLOWS NCUA'S WRITTEN CONFLICT OF INTEREST POLICY WHICH STATES THAT CREDIT UNION EMPLOYEES AND THEIR IMMEDIATE FAMILY MEMBERS MAY NOT RECEIVE ANYTHING OF VALUE IN CONNECTION WITH ITS INVESTMENT TRANSACTIONS. ALSO, THE CREDIT UNION'S OFFICIALS AND EMPLOYEES MUST NOT CONDUCT TRANSACTIONS WITH BUSINESS ASSOCIATES OR FAMILY MEMBERS THAT ARE PROHIBITED BY NCUA REGULATIONS. THIS POLICY IS MONITORED BY THE CREDIT UNION. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | COMPENSATION FOR OFFICERS, KEY EMPLOYEES & TOP MANAGEMENT OFFICIALS IS DETERMINED ON A YEARLY BASIS AT THE DECEMBER BOARD MEETING. BEFORE COMPENSATION IS SET, THE BOARD OF DIRECTORS EXAMINES THE TYPE AND AMOUNT OF WORK PERFORMED BY THE EMPLOYEES WHILE TAKING INTO ACCOUNT THE CREDIT UNION'S PRIOR YEAR INCOME AND NEXT YEAR'S BUDGET. THE BOARD USES NATIONAL PEER GROUP SALARY GUIDES PROVIDED BY CUNA AS AN INDEPENDENT SALARY GUIDE AND ALSO TAKES INTO CONSIDERATION LOCAL AREA COMPARABLE SALARIES. THE OFFICER ABSTAINS FROM VOTING ON HER COMPENSATION. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | THE 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/Explanation | 7 | ON A YEARLY BASIS, THE ALABAMA CREDIT UNION ADMINISTRATION AND SUPERVISORY COMMITTEE EXAMINE THE FINANCIAL STATEMENTS OF THE CREDIT UNION. |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PART VI, SECTION A, LINE 8B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 7 | FORM 990, PART XII, LINE 2: |
| IRS990/ScheduleORequired | 0 | 1 |
| IRS990/School | 0 | 0 |
| IRS990/SignificantChange | 0 | 0 |
| IRS990/SignificantNewProgramServices | 0 | 0 |
| IRS990/StateLegalDomicile | 0 | AL |
| IRS990/SubjectToProxyTax | 0 | 0 |
| IRS990/TaxablePartyNotification | 0 | 0 |
| IRS990/TaxExemptBonds | 0 | 0 |
| IRS990/Terminated | 0 | 0 |
| IRS990/TermOrPermanentEndowments | 0 | 0 |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 1102 SINGLETON DRIVE |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | SELMA |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | AL |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 36703 |
| IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine1 | 0 | PAMELA MCILWAIN |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 3348757827 |
| IRS990/TotalAssets/BOY | 0 | 10209762 |
| IRS990/TotalAssetsBOY | 0 | 10209762 |
| IRS990/TotalAssets/EOY | 0 | 10852076 |
| IRS990/TotalAssetsEOY | 0 | 10852076 |
| IRS990/TotalCompGT150K | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 546767 |
| IRS990/TotalExpensesPriorYear | 0 | 616409 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 546767 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 3302 |
| IRS990/TotalLiabilities/BOY | 0 | 7932654 |
| IRS990/TotalLiabilitiesBOY | 0 | 7932654 |
| IRS990/TotalLiabilities/EOY | 0 | 8564483 |
| IRS990/TotalLiabilitiesEOY | 0 | 8564483 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 10209762 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 10852076 |
| IRS990/TotalNbrEmployees | 0 | 12 |
| IRS990/TotalNbrVolunteers | 0 | 12 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 2277108 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 2287593 |
| IRS990/TotalOtherCompensation | 0 | 12960 |
| IRS990/TotalOtherRevenue | 0 | 100437 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProfFundrsngExpPriorYear | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 432409 |
| IRS990/TotalReportableCompFrmRltdOrgs | 0 | 0 |
| IRS990/TotalReportableCompFromOrg | 0 | 74772 |
| IRS990/TotalRevenueCurrentYear | 0 | 557252 |
| IRS990/TotalRevenue/ExclusionAmount | 0 | 24406 |
| IRS990/TotalRevenuePriorYear | 0 | 636156 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 529544 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 557252 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 3302 |
| IRS990/TransactionRelatedEntity | 0 | 0 |
| IRS990/Travel/Total | 0 | 122 |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | 1 |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | N/A |
| IRS990/WhistleblowerPolicy | 0 | 0 |
| IRS990/YearFormation | 0 | 1954 |
| ReturnHeader/BuildTS | 0 | 2016-02-24 21:20:13Z |
| ReturnHeader/Filer/EIN | 0 | 630384036 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | CRAIG CREDIT UNION |
| ReturnHeader/Filer/NameControl | 0 | CRAI |
| ReturnHeader/Filer/Phone | 0 | 3348757827 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 1102 SINGLETON DRIVE |
| ReturnHeader/Filer/USAddress/City | 0 | SELMA |
| ReturnHeader/Filer/USAddress/State | 0 | AL |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 36703 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | 1 |
| ReturnHeader/Officer/DateSigned | 0 | 2012-06-09 |
| ReturnHeader/Officer/Name | 0 | PAMELA MCILWAIN |
| ReturnHeader/Officer/Phone | 0 | 3348757827 |
| ReturnHeader/Officer/Title | 0 | CEO |
| ReturnHeader/PreparerFirm/EIN | 0 | 631077072 |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | BARFIELD MURPHY SHANK & SMITH PC |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 1121 RIVERCHASE OFFICE RD |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | BIRMINGHAM |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | AL |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 35244 |
| ReturnHeader/Preparer/Name | 0 | JACK KNIGHT CPA |
| ReturnHeader/Preparer/Phone | 0 | 2059825500 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2011-01-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2011-12-31 |
| ReturnHeader/TaxYear | 0 | 2011 |
| ReturnHeader/Timestamp | 0 | 2012-07-23T13:23:25-05:00 |
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Displayed year
2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.