Civic Intelligence

Health Credit Union

EIN 63-0420086 • 501(c)14 • Birmingham, AL

View Organization Page

Profile

Health credit union is a cooperative association serving employees of the jefferson county, al, department of health and their immediate families. Primary services include loan and deposit alternatives to commercial banks.

1400 6th Avenue SouthBirmingham, AL 35233

www.healthcu.com

Siviq Scores

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

Liabilities / Assets

8th percentile

0.77x

Higher debt load relative to assets than 8% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

23rd percentile

13.17x

Higher debt load relative to revenue than 23% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

72nd percentile

18%

Higher net margin than 72% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

44th percentile

-1.0%

Faster asset growth than 44% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

65th percentile

17%

Faster revenue growth than 65% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets8th percentile

Assets

Down

$26,596,908

Down $279,135 (-1.0%) from 2022

Liabilities

Down

$20,578,528

Down $552,886 (-2.6%) from 2022

Net Assets

Up

$6,018,380

Up $273,751 (+4.8%) from 2022

Operations
Liabilities / Revenue23rd percentileNet Margin72nd percentile

Revenue

Up

$1,562,792

Up $222,358 (+17%) from 2022

Expenses

Up

$1,289,038

Up $302,384 (+31%) from 2022

Net Income

Down

$273,754

Down $80,026 (-23%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

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

$30M$20M$10M$0Assets 2013: $20,650,640Liabilities 2013: $16,124,477Net Assets 2013: $4,526,1632013Assets 2014: $20,024,192Liabilities 2014: $15,364,945Net Assets 2014: $4,659,2472014Assets 2015: $19,985,474Liabilities 2015: $15,223,356Net Assets 2015: $4,762,1182015Assets 2016: $19,543,719Liabilities 2016: $14,725,961Net Assets 2016: $4,817,7582016Assets 2017: $19,584,622Liabilities 2017: $14,747,557Net Assets 2017: $4,837,0652017Assets 2018: $19,127,467Liabilities 2018: $14,251,543Net Assets 2018: $4,875,9242018Assets 2019: $19,962,216Liabilities 2019: $14,981,310Net Assets 2019: $4,980,9062019Assets 2020: $22,319,355Liabilities 2020: $17,160,287Net Assets 2020: $5,159,0682020Assets 2021: $25,226,298Liabilities 2021: $19,835,449Net Assets 2021: $5,390,8492021Assets 2022: $26,876,043Liabilities 2022: $21,131,414Net Assets 2022: $5,744,6292022Assets 2023: $26,596,908Liabilities 2023: $20,578,528Net Assets 2023: $6,018,3802023

Highlighted filing

2023

Assets$26,596,908
Liabilities$20,578,528
Net Assets$6,018,380
Open 2023 Filing

Operations Trend

Revenue Growth65th percentile

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

$2.0M$1.5M$1.0M$500K$0Revenue 2013: $1,025,490Expenses 2013: $883,947Net Income 2013: $141,5432013Revenue 2014: $957,168Expenses 2014: $824,084Net Income 2014: $133,0842014Revenue 2015: $946,221Expenses 2015: $843,350Net Income 2015: $102,8712015Revenue 2016: $930,756Expenses 2016: $875,116Net Income 2016: $55,6402016Revenue 2017: $951,208Expenses 2017: $931,901Net Income 2017: $19,3072017Revenue 2018: $996,962Expenses 2018: $958,103Net Income 2018: $38,8592018Revenue 2019: $1,027,537Expenses 2019: $922,555Net Income 2019: $104,9822019Revenue 2020: $1,039,575Expenses 2020: $861,413Net Income 2020: $178,1622020Revenue 2021: $1,139,628Expenses 2021: $907,870Net Income 2021: $231,7582021Revenue 2022: $1,340,434Expenses 2022: $986,654Net Income 2022: $353,7802022Revenue 2023: $1,562,792Expenses 2023: $1,289,038Net Income 2023: $273,7542023

Highlighted filing

2023

Revenue$1,562,792
Expenses$1,289,038
Net Income$273,754
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$26,596,908
Liabilities
$20,578,528
Net assets
$6,018,380
Revenue
$1,562,792
Expenses
$1,289,038
Net income
$273,754
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$26.6$20.6$6.02$1.56$1.29$0.27
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.9$21.1$5.74$1.34$0.99$0.35
2021Summary only. Only limited summary data is available for this year.$25.2$19.8$5.39$1.14$0.91$0.23
2020Summary only. Only limited summary data is available for this year.$22.3$17.2$5.16$1.04$0.86$0.18
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.0$15.0$4.98$1.03$0.92$0.10
2018Summary only. Only limited summary data is available for this year.$19.1$14.3$4.88$1.00$0.96$0.04
2017Summary only. Only limited summary data is available for this year.$19.6$14.7$4.84$0.95$0.93$0.02
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.5$14.7$4.82$0.93$0.88$0.06
2015Detailed filing. Detailed filing data is available for this year.$20.0$15.2$4.76$0.95$0.84$0.10
2014Detailed filing. Detailed filing data is available for this year.$20.0$15.4$4.66$0.96$0.82$0.13
2013Summary only. Only limited summary data is available for this year.$20.7$16.1$4.53$1.03$0.88$0.14
Latest Detailed Filing

The latest 2023 filing currently has summary financial data only. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Jun 6, 2023
Return Version
2022v5.0
Gross Receipts
$1,340,434
Mission and Program Overview

Mission

Credit union - to provide services to approximately 2,130 members in the form of loans, savings, and other financial services.

Helth Credit Union is a cooperative association serving employees of the Jefferson County,AL Department of Health and their immediatefamilies. Primary services include loan and deposit alternatives to commercial banks.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$10,093,184$14,830,533▲ $4,737,349
Savings and Temporary Cash Investments$14,937,735$10,885,885▼ $4,051,850
Cash and Non-Interest-Bearing Accounts$176,875$1,028,059▲ $851,184
Land, Buildings, and Equipment, Net$773$107,584▲ $106,811
Prepaid Expenses and Deferred Charges$17,731$23,982▲ $6,251
Pledges and Grants Receivable$0--
Total Assets$25,226,298$26,876,043▲ $1,649,745
Liabilities
Other Liabilities$19,841,719$21,129,772▲ $1,288,053
Accounts Payable and Accrued Expenses$-6,270$1,642▲ $7,912
Total Liabilities$19,835,449$21,131,414▲ $1,295,965
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$5,390,849$5,744,629▲ $353,780
Total Net Assets Fund Balance$5,390,849$5,744,629▲ $353,780
Total Liabilities and Net Assets / Fund Balance$25,226,298$26,876,043▲ $1,649,745

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$108,284--
Leasehold Improvements$-700--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Charles J DavisPresident/CEOFT$102,377$102,377$204,754

Board Members and Trustees

NameTitle
Stephanie Ayers MillsapVice chairman
Daniel FosterDirector
Lance WaldrenDirector
Stuart MartinSecretary
Lori McManusTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$894,300
Investment Income
$213,604
Other Revenue
$232,530
Change in Net Assets
$353,780
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$495,949
Other Expenses$490,705
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$310,146$0$0$310,146
Current Officers, Directors, Trustees, and Key Employees$102,377$0$0$102,377
Interest$79,477$0$0$79,477
All Other Expenses$74,287$0$0$74,287
Other Employee Benefits$47,958$0$0$47,958
Other Expenses$35,000$0$0$35,000
Pension Plan Contributions$34,656$0$0$34,656
Occupancy$22,256$0$0$22,256
Insurance$18,127$0$0$18,127
Travel$15,309$0$0$15,309
Fees for Services Accounting$14,005$0$0$14,005
Office Expenses$12,585$0$0$12,585
Advertising$7,102$0$0$7,102
Depreciation Depletion$1,473$0$0$1,473
Payroll Taxes$812$0$0$812
Total Functional Expenses$986,654$0$0$986,654
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 share accounts$10,043,686
Certificates of deposit$5,006,921
Sharedraft accounts$3,499,216
Money market accounts$855,085
Club accounts$841,219
IRA accounts$591,861
Check outstanding$121,981
Lease capitalization$85,313
Accrued employee sick pay$78,399
Other accrued liabilities$6,091
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
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
Health Credit Union
EIN
63-0420086
Phone
2059301000
Address
1400 6th Avenue South, Birmingham, AL 35233

Signing Officer

Name
Judd Davis
Title
President/CEO
Phone
2059301000
Signed
2023-06-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Judd Davis
Formed
1955
Legal Domicile
Al
Voting Board Members
5
Independent Board Members
0
Employees
0
Volunteers
0

Preparer

Firm
Marion E Higgins Jr CPA
Address
5109 Lake Crest Circle, Birmingham, AL 35226
Preparer
Marion E Higgins Jr
Phone
2054108668
Supplemental Narrative

Additional Explanations

Other

“Form 990, Part I, Line 1, Description of organization”

Other

“mission: AL, Department of Health and their immediate families. Primary services include loan and deposit alternatives to commercial banks.”

Pt VI, Line 11B

“Form 990, Part VI, Section B, Line 11B:”

Pt VI, Line 11B

“The Form 990 is reviewed by the President/CEO before filing.”

Pt VI, Line 19

“Form 990, Part VI,Section C, Line 19:”

Pt VI, Line 19

“The organization makes its governing documents, conflict of interest policy and financial statements available to the public by request to the Board.”

Financial Statement Notes

Pt X, Line 2

“Part X, Line 2:”

Pt X, Line 2

“N/A”

Raw XML AppendixShowing 400 of 414 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/BOYAmt0-6270
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01642
IRS990/AccountsReceivableGrp/BOYAmt010093184
IRS990/AccountsReceivableGrp/EOYAmt014830533
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Helth Credit Union is a cooperative association serving employees of the Jefferson County,AL Department of Health and their immediatefamilies. Primary services include loan and deposit alternatives to commercial banks.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt07102
IRS990/AdvertisingGrp/TotalAmt07102
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt074287
IRS990/AllOtherExpensesGrp/TotalAmt074287
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0Judd Davis
IRS990/BooksInCareOfDetail/PhoneNum02059301213
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01400 6th Avenue South
IRS990/BooksInCareOfDetail/USAddress/CityNm0Birmingham
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0AL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd035205
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0176875
IRS990/CashNonInterestBearingGrp/EOYAmt01028059
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0102377
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0102377
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0213604
IRS990/CYOtherExpensesAmt0490705
IRS990/CYOtherRevenueAmt0232530
IRS990/CYProgramServiceRevenueAmt0894300
IRS990/CYRevenuesLessExpensesAmt0353780
IRS990/CYSalariesCompEmpBnftPaidAmt0495949
IRS990/CYTotalExpensesAmt0986654
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01340434
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt01473
IRS990/DepreciationDepletionGrp/TotalAmt01473
IRS990/Desc0Health Credit Union provided banking alternatives to the employees of the Jefferson County, Alabama Department of Health and their immediate families.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt00
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt014005
IRS990/FeesForServicesAccountingGrp/TotalAmt014005
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
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/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt0102377
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0Charles J Davis
IRS990/Form990PartVIISectionAGrp/PersonNm1Stephanie Ayers Millsap
IRS990/Form990PartVIISectionAGrp/PersonNm2Stuart Martin
IRS990/Form990PartVIISectionAGrp/PersonNm3Lori McManus
IRS990/Form990PartVIISectionAGrp/PersonNm4Daniel Foster
IRS990/Form990PartVIISectionAGrp/PersonNm5Lance Waldren
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0102377
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt3Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/Form990TFiledInd0true
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01340434
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt018127
IRS990/InsuranceGrp/TotalAmt018127
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt079477
IRS990/InterestGrp/TotalAmt079477
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0213604
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0773
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0107584
IRS990/LandBldgEquipCostOrOtherBssAmt0107584
IRS990/LegalDomicileStateCd0AL
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Helth Credit Union is a cooperative association serving employees of the Jefferson County,AL Department of Health and their immediatefamilies. Primary services include loan and deposit alternatives to commercial banks.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05390849
IRS990/NetAssetsOrFundBalancesEOYAmt05744629
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt05390849
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt05744629
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt022256
IRS990/OccupancyGrp/TotalAmt022256
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt012585
IRS990/OfficeExpensesGrp/TotalAmt012585
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt047958
IRS990/OtherEmployeeBenefitsGrp/TotalAmt047958
IRS990/OtherExpensesGrp/Desc0Maintenance
IRS990/OtherExpensesGrp/Desc1ATM & Debit card expense
IRS990/OtherExpensesGrp/Desc2Data processing
IRS990/OtherExpensesGrp/Desc3Provision for loan losses
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt30
IRS990/OtherExpensesGrp/ProgramServicesAmt01149
IRS990/OtherExpensesGrp/ProgramServicesAmt1119596
IRS990/OtherExpensesGrp/ProgramServicesAmt290339
IRS990/OtherExpensesGrp/ProgramServicesAmt335000
IRS990/OtherExpensesGrp/TotalAmt01149
IRS990/OtherExpensesGrp/TotalAmt1119596
IRS990/OtherExpensesGrp/TotalAmt290339
IRS990/OtherExpensesGrp/TotalAmt335000
IRS990/OtherLiabilitiesGrp/BOYAmt019841719
IRS990/OtherLiabilitiesGrp/EOYAmt021129772
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0Other income
IRS990/OtherRevenueMiscGrp/Desc1Skip-A-pay fee income
IRS990/OtherRevenueMiscGrp/Desc2NSF Fee income
IRS990/OtherRevenueMiscGrp/ExclusionAmt00
IRS990/OtherRevenueMiscGrp/ExclusionAmt10
IRS990/OtherRevenueMiscGrp/ExclusionAmt20
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0137814
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt18042
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt286674
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0137814
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt18042
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt286674
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt00
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt10
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt20
IRS990/OtherRevenueTotalAmt0232530
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0310146
IRS990/OtherSalariesAndWagesGrp/TotalAmt0310146
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt0812
IRS990/PayrollTaxesGrp/TotalAmt0812
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt034656
IRS990/PensionPlanContributionsGrp/TotalAmt034656
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt017731
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt023982
IRS990/PrincipalOfficerNm0Judd Davis
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0894300
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt043696
IRS990/PYContributionsGrantsAmt00
IRS990/PYInvestmentIncomeAmt0262957
IRS990/PYOtherExpensesAmt0472996
IRS990/PYOtherRevenueAmt0246508
IRS990/PYProgramServiceRevenueAmt0630163
IRS990/PYRevenuesLessExpensesAmt0231758
IRS990/PYSalariesCompEmpBnftPaidAmt0391178
IRS990/PYTotalExpensesAmt0907870
IRS990/PYTotalRevenueAmt01139628
IRS990/QuidProQuoContributionsInd0false
IRS990/ReconcilationRevenueExpnssAmt0353780
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014937735
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010885885
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0-700
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0-700
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0108284
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0108284
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt085313
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt110043686
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt23499216
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3855085
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4841219
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5591861
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt65006921
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7121981
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt878399
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt96091
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Lease capitalization
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Regular share accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Sharedraft accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Money market accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Club accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5IRA accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6Certificates of deposit
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7Check outstanding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8Accrued employee sick pay
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9Other accrued liabilities
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Part X, Line 2:
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1N/A
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Pt X, Line 2
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Pt X, Line 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0107584
IRS990ScheduleD/TotalLiabilityAmt021129772
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990, Part I, Line 1, Description of organization
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1mission: AL, Department of Health and their immediate families. Primary services include loan and deposit alternatives to commercial banks.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Form 990, Part VI, Section B, Line 11B:
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Form 990 is reviewed by the President/CEO before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Form 990, Part VI,Section C, Line 19:
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The organization makes its governing documents, conflict of interest policy and financial statements available to the public by request to the Board.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Pt VI, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Pt VI, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Pt VI, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0AL
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt025226298
IRS990/TotalAssetsEOYAmt026876043
IRS990/TotalAssetsGrp/BOYAmt025226298
IRS990/TotalAssetsGrp/EOYAmt026876043
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0986654
IRS990/TotalFunctionalExpensesGrp/TotalAmt0986654
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt019835449
IRS990/TotalLiabilitiesEOYAmt021131414
IRS990/TotalLiabilitiesGrp/BOYAmt019835449
IRS990/TotalLiabilitiesGrp/EOYAmt021131414
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05390849
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05744629
IRS990/TotalOtherCompensationAmt0102377
IRS990/TotalProgramServiceRevenueAmt0894300
IRS990/TotalReportableCompFromOrgAmt0102377
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01340434
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01340434
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt025226298
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt026876043
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/FundraisingAmt00
IRS990/TravelGrp/ManagementAndGeneralAmt00
IRS990/TravelGrp/ProgramServicesAmt015309
IRS990/TravelGrp/TotalAmt015309
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01400 6th Avenue South
IRS990/USAddress/CityNm0Birmingham
IRS990/USAddress/StateAbbreviationCd0AL
IRS990/USAddress/ZIPCd035205
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Judd Davis
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02059301000
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-06-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Health Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0HEAL
ReturnHeader/Filer/EIN0630420086
ReturnHeader/Filer/PhoneNum02059301000
ReturnHeader/Filer/USAddress/AddressLine1Txt01400 6th Avenue South
ReturnHeader/Filer/USAddress/CityNm0Birmingham
ReturnHeader/Filer/USAddress/StateAbbreviationCd0AL
ReturnHeader/Filer/USAddress/ZIPCd035233
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Marion E Higgins Jr CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05109 Lake Crest Circle

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)14 • $25M-$50M nonprofits