Civic Intelligence

Federal Employees Credit Union

EIN 63-0416506 • 501(c)14 • Birmingham, AL

Profile

To provide thrift opportunities and low cost loans to members

1509 4th Avenue SouthBirmingham, AL 35233

www.federalempscu.com

Siviq Scores

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

Liabilities / Assets

38th percentile

0.83x

Higher debt load relative to assets than 38% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

30th percentile

13.11x

Higher debt load relative to revenue than 30% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

34th percentile

1.9%

Higher net margin than 34% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

80th percentile

$111,471

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 9.1% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

69th percentile

2.8%

Faster asset growth than 69% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

65th percentile

10%

Faster revenue growth than 65% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$18,829,743

Up $1,029,681 (+5.8%) from 2023

Liabilities

Up

$15,598,643

Up $1,009,694 (+6.9%) from 2023

Net Assets

Up

$3,231,100

Up $19,987 (+0.6%) from 2023

Operations
Liabilities / Revenue30th percentileNet Margin34th percentile

Revenue

Up

$1,112,597

Up $214,236 (+24%) from 2023

Expenses

Up

$1,092,611

Up $41,768 (+4.0%) from 2023

Net Income

Up

$19,986

Up $172,468 (+113%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth69th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $10,676,760Liabilities 2010: $7,736,510Net Assets 2010: $2,940,2502010Assets 2011: $12,354,438Liabilities 2011: $9,333,896Net Assets 2011: $3,020,5422011Assets 2012: $13,561,164Liabilities 2012: $10,515,550Net Assets 2012: $3,045,6142012Assets 2013: $13,958,813Liabilities 2013: $10,917,630Net Assets 2013: $3,041,1832013Assets 2014: $14,319,173Liabilities 2014: $11,278,707Net Assets 2014: $3,040,4662014Assets 2015: $15,286,450Liabilities 2015: $12,157,460Net Assets 2015: $3,128,9902015Assets 2016: $18,283,696Liabilities 2016: $15,088,519Net Assets 2016: $3,195,1772016Assets 2017: $19,538,648Liabilities 2017: $16,222,793Net Assets 2017: $3,315,8552017Assets 2018: $18,902,545Liabilities 2018: $15,615,717Net Assets 2018: $3,286,8282018Assets 2019: $16,851,513Liabilities 2019: $13,538,893Net Assets 2019: $3,312,6202019Assets 2020: $18,688,913Liabilities 2020: $15,350,848Net Assets 2020: $3,338,0652020Assets 2021: $18,707,672Liabilities 2021: $15,313,385Net Assets 2021: $3,394,2872021Assets 2022: $18,567,679Liabilities 2022: $15,204,084Net Assets 2022: $3,363,5952022Assets 2023: $17,800,062Liabilities 2023: $14,588,949Net Assets 2023: $3,211,1132023Assets 2024: $18,829,743Liabilities 2024: $15,598,643Net Assets 2024: $3,231,1002024

Highlighted filing

2024

Assets$18,829,743
Liabilities$15,598,643
Net Assets$3,231,100
Open 2024 Filing

Operations Trend

Revenue Growth65th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $580,1592010Expenses 2011: $582,9592011Expenses 2012: $652,8352012Revenue 2013: $710,660Expenses 2013: $705,669Net Income 2013: $4,9912013Revenue 2014: $713,998Expenses 2014: $714,715Net Income 2014: -$7172014Revenue 2015: $741,873Expenses 2015: $653,349Net Income 2015: $88,5242015Revenue 2016: $809,721Expenses 2016: $730,461Net Income 2016: $79,2602016Revenue 2017: $900,558Expenses 2017: $779,880Net Income 2017: $120,6782017Revenue 2018: $975,272Expenses 2018: $901,650Net Income 2018: $73,6222018Revenue 2019: $934,747Expenses 2019: $908,956Net Income 2019: $25,7912019Revenue 2020: $863,627Expenses 2020: $838,182Net Income 2020: $25,4452020Revenue 2021: $823,405Expenses 2021: $767,183Net Income 2021: $56,2222021Revenue 2022: $856,545Expenses 2022: $845,042Net Income 2022: $11,5032022Revenue 2023: $898,361Expenses 2023: $1,050,843Net Income 2023: -$152,4822023Revenue 2024: $1,112,597Expenses 2024: $1,092,611Net Income 2024: $19,9862024

Highlighted filing

2024

Revenue$1,112,597
Expenses$1,092,611
Net Income$19,986
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$18,829,743
Liabilities
$15,598,643
Net assets
$3,231,100
Revenue
$1,112,597
Expenses
$1,092,611
Net income
$19,986
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.8$15.6$3.23$1.11$1.09$0.02
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.8$14.6$3.21$0.90$1.05$0.15
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.6$15.2$3.36$0.86$0.85$0.01
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.7$15.3$3.39$0.82$0.77$0.06
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.7$15.4$3.34$0.86$0.84$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.9$13.5$3.31$0.93$0.91$0.03
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.9$15.6$3.29$0.98$0.90$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.5$16.2$3.32$0.90$0.78$0.12
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.3$15.1$3.20$0.81$0.73$0.08
2015Detailed filing. Detailed filing data is available for this year.$15.3$12.2$3.13$0.74$0.65$0.09
2014Detailed filing. Detailed filing data is available for this year.$14.3$11.3$3.04$0.71$0.71$0.00
2013Detailed filing. Detailed filing data is available for this year.$14.0$10.9$3.04$0.71$0.71$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.6$10.5$3.05$0.65
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.4$9.33$3.02$0.58
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.7$7.74$2.94$0.58
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 2, 2025
Return Version
2024v5.0
Gross Receipts
$1,112,597
Mission and Program Overview

Mission

Credit union- to provide services for approximately 1,737 members in the form of loans, savings, and other financial services.

Credit union- to provide services for approximately 1,774 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$9,442,580$9,378,205▼ $64,375
Savings and Temporary Cash Investments$6,576,000$8,154,438▲ $1,578,438
Rtn Earn Endowment Incm Other Fnds$2,718,014$2,738,001▲ $19,987
Cash and Non-Interest-Bearing Accounts$1,225,798$723,619▼ $502,179
Cap Stk Tr Prin Current Funds$493,099$493,099→ $0
Investments Other Securities$260,368$262,054▲ $1,686
Land, Buildings, and Equipment, Net$7,023$54,480▲ $47,457
Prepaid Expenses and Deferred Charges$33,341$45,459▲ $12,118
Total Assets$17,800,062$18,829,743▲ $1,029,681
Other Assets Total$254,952$211,488▼ $43,464
Liabilities
Other Liabilities$14,448,733$15,436,955▲ $988,222
Accounts Payable and Accrued Expenses$140,216$161,688▲ $21,472
Total Liabilities$14,588,949$15,598,643▲ $1,009,694
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,211,113$3,231,100▲ $19,987
Total Liabilities and Net Assets / Fund Balance$17,800,062$18,829,743▲ $1,029,681

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$54,480$25,001$79,481
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Greg KellerTreasurer/ceFT$95,011$13,155$108,166

Board Members and Trustees

NameTitle
Carolyn ColemanBoard Secret
Larry StantleyBod 1st Vice
Mike ReebalsBod 2nd Vice
Rocky CookBod Acting C
Crystal StantleySupervisory
Dolores WeeksSupervisory
Mellanie PinkinsSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$823,648
Investment Income
$280,689
Other Revenue
$8,260
Change in Net Assets
$19,986
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$707,998
Salaries, Compensation, and Employee Benefits$384,613
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest-$312,056-$312,056
Other Salaries and Wages-$308,840-$308,840
Occupancy-$74,122-$74,122
Pension Plan Contributions-$34,926-$34,926
Office Expenses-$32,565-$32,565
Payroll Taxes-$23,916-$23,916
Other Employee Benefits-$16,931-$16,931
Other Expenses-$10,989-$10,989
All Other Expenses-$8,242-$8,242
Travel-$415-$415
Total Functional Expenses$0$1,092,611$0$1,092,611
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$6,825,698
All Other Shares$6,648,598
Share Drafts$1,962,659
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
No
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 every 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 avialable 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 19

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

Filing and Contact Details

Filer

Filer Name
Federal Employees Credit Union
EIN
63-0416506
Phone
2053224026
Address
1509 4TH AVENUE SOUTH, BIRMINGHAM, AL 35233

Signing Officer

Name
Greg Keller
Title
Treasurer/CEO
Phone
2053224026
Signed
2025-06-02
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Greg Keller
Formed
1958
Legal Domicile
Al
Voting Board Members
5
Independent Board Members
4
Employees
5
Volunteers
7

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 ghe board of directors and supervisory committee without compensation.”

Form 990, Part XI, Line 9

“DUE TO ROUNDING 1”

Raw XML Appendix353 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0140216
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0161688
IRS990/AccountsReceivableGrp/BOYAmt09442580
IRS990/AccountsReceivableGrp/EOYAmt09378205
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION- TO PROVIDE SERVICES FOR APPROXIMATELY 1,774 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt08242
IRS990/AllOtherExpensesGrp/TotalAmt08242
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0GREG KELLER
IRS990/BooksInCareOfDetail/PhoneNum02053224026
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01509 4TH AVENUE SOUTH
IRS990/BooksInCareOfDetail/USAddress/CityNm0BIRMINGHAM
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0AL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0352331612
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0493099
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0493099
IRS990/CashNonInterestBearingGrp/BOYAmt01225798
IRS990/CashNonInterestBearingGrp/EOYAmt0723619
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0280689
IRS990/CYOtherExpensesAmt0707998
IRS990/CYOtherRevenueAmt08260
IRS990/CYProgramServiceRevenueAmt0823648
IRS990/CYRevenuesLessExpensesAmt019986
IRS990/CYSalariesCompEmpBnftPaidAmt0384613
IRS990/CYTotalExpensesAmt01092611
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01112597
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt0780555
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt013155
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0GREG KELLER
IRS990/Form990PartVIISectionAGrp/PersonNm1ROCKY COOK
IRS990/Form990PartVIISectionAGrp/PersonNm2LARRY STANTLEY
IRS990/Form990PartVIISectionAGrp/PersonNm3MIKE REEBALS
IRS990/Form990PartVIISectionAGrp/PersonNm4CAROLYN COLEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm5CRYSTAL STANTLEY
IRS990/Form990PartVIISectionAGrp/PersonNm6MELLANIE PINKINS
IRS990/Form990PartVIISectionAGrp/PersonNm7DOLORES WEEKS
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/TitleTxt0TREASURER/CE
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOD ACTING C
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOD 1ST VICE
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOD 2ND VICE
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD SECRET
IRS990/Form990PartVIISectionAGrp/TitleTxt5SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt6SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01958
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IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
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IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01112597
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt04
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InterestGrp/ManagementAndGeneralAmt0312056
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IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt0260368
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt0262054
IRS990/IRPDocumentCnt0409
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt025001
IRS990/LandBldgEquipBasisNetGrp/BOYAmt07023
IRS990/LandBldgEquipBasisNetGrp/EOYAmt054480
IRS990/LandBldgEquipCostOrOtherBssAmt079481
IRS990/LegalDomicileStateCd0AL
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION- TO PROVIDE SERVICES FOR APPROXIMATELY 1,774 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03211113
IRS990/NetAssetsOrFundBalancesEOYAmt03231100
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt074122
IRS990/OccupancyGrp/TotalAmt074122
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt032565
IRS990/OfficeExpensesGrp/TotalAmt032565
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0254952
IRS990/OtherAssetsTotalGrp/EOYAmt0211488
IRS990/OtherChangesInNetAssetsAmt01
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt016931
IRS990/OtherEmployeeBenefitsGrp/TotalAmt016931
IRS990/OtherExpensesGrp/Desc0PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc1MICS EXPENSES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1110663
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt224000
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt310989
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IRS990/OtherExpensesGrp/TotalAmt1110663
IRS990/OtherExpensesGrp/TotalAmt224000
IRS990/OtherExpensesGrp/TotalAmt310989
IRS990/OtherLiabilitiesGrp/BOYAmt014448733
IRS990/OtherLiabilitiesGrp/EOYAmt015436955
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0UBIT
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt08260
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt08260
IRS990/OtherRevenueTotalAmt08260
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0308840
IRS990/OtherSalariesAndWagesGrp/TotalAmt0308840
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt023916
IRS990/PayrollTaxesGrp/TotalAmt023916
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt034926
IRS990/PensionPlanContributionsGrp/TotalAmt034926
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt033341
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt045459
IRS990/PrincipalOfficerNm0GREG KELLER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0712325
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1111323
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0712325
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1111323
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0312056
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0118056
IRS990/PYOtherExpensesAmt0682678
IRS990/PYOtherRevenueAmt09109
IRS990/PYProgramServiceRevenueAmt0771196
IRS990/PYRevenuesLessExpensesAmt0-152482
IRS990/PYSalariesCompEmpBnftPaidAmt0368165
IRS990/PYTotalExpensesAmt01050843
IRS990/PYTotalRevenueAmt0898361
IRS990/ReconcilationRevenueExpnssAmt019986
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02718014
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02738001
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06576000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08154438
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IRS990ScheduleD/EquipmentGrp/BookValueAmt054480
IRS990ScheduleD/EquipmentGrp/DepreciationAmt025001
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt079481
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06825698
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt16648598
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21962659
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt054480
IRS990ScheduleD/TotalLiabilityAmt015436955
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF GHE BOARD OF DIRECTORS AND SUPERVISORY 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 EVERY 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 AVIALABLE 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/ExplanationTxt6FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DUE TO ROUNDING 1
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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0AL
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt017800062
IRS990/TotalAssetsEOYAmt018829743
IRS990/TotalAssetsGrp/BOYAmt017800062
IRS990/TotalAssetsGrp/EOYAmt018829743
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01092611
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01092611
IRS990/TotalGrossUBIAmt08260
IRS990/TotalLiabilitiesBOYAmt014588949
IRS990/TotalLiabilitiesEOYAmt015598643
IRS990/TotalLiabilitiesGrp/BOYAmt014588949
IRS990/TotalLiabilitiesGrp/EOYAmt015598643
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03211113
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03231100
IRS990/TotalOtherCompensationAmt013155
IRS990/TotalProgramServiceExpensesAmt01092611
IRS990/TotalProgramServiceRevenueAmt0823648
IRS990/TotalReportableCompFromOrgAmt095011
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01104337
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01112597
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt08260
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017800062
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt018829743
IRS990/TravelGrp/ManagementAndGeneralAmt0415
IRS990/TravelGrp/TotalAmt0415
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01509 4TH AVENUE SOUTH
IRS990/USAddress/CityNm0BIRMINGHAM
IRS990/USAddress/StateAbbreviationCd0AL
IRS990/USAddress/ZIPCd0352331612
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.FEDERALEMPSCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0GREG KELLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02053224026
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-02
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FEDERAL EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FEDE
ReturnHeader/Filer/EIN0630416506
ReturnHeader/Filer/PhoneNum02053224026
ReturnHeader/Filer/USAddress/AddressLine1Txt01509 4TH AVENUE SOUTH
ReturnHeader/Filer/USAddress/CityNm0BIRMINGHAM
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AL
ReturnHeader/Filer/USAddress/ZIPCd035233
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/PreparationDt02025-06-30
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-06-30T10:26:46-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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