Civic Intelligence

O'Neal Credit Union

990 • Fiscal year 2013 • EIN 63-0459546

Jan 01, 2013 to Dec 31, 2013 • Filed on May 15, 2014

Organization Profile

View Organization Page

744 North 41st Street35222

(205) 599-8010

Siviq Scores

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

Liabilities / Assets

36th percentile

0.79x

Higher debt load relative to assets than 36% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

52nd percentile

16.79x

Higher debt load relative to revenue than 52% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Net Margin

89th percentile

21%

Higher net margin than 89% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

81st percentile

$54,329

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 43.0% of source-year revenue.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2013

Asset Growth

17th percentile

-6.9%

Faster asset growth than 17% of similar nonprofits.

2013 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets36th percentile

Assets

Down

$2,676,532

Down $198,787 (-6.9%) from 2012

Net Assets

Up

$555,011

Up $26,669 (+5.0%) from 2012

Liabilities

Down

$2,121,521

Down $225,456 (-9.6%) from 2012

Revenue And Expenses
Liabilities / Revenue52nd percentileNet Margin89th percentile

Revenue

$126,341

No earlier filing loaded for comparison.

Expenses

Down

$99,673

Down $11,046 (-10.0%) from 2012

Net Income

$26,668

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth17th percentile

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

$3.0M$2.0M$1.0M$0Assets 2010: $2,536,070Liabilities 2010: $2,031,767Net Assets 2010: $504,3032010Assets 2011: $2,659,973Liabilities 2011: $2,153,484Net Assets 2011: $506,4892011Assets 2012: $2,875,319Liabilities 2012: $2,346,977Net Assets 2012: $528,3422012Assets 2013: $2,676,532Liabilities 2013: $2,121,521Net Assets 2013: $555,0112013Assets 2014: $2,627,800Liabilities 2014: $2,047,906Net Assets 2014: $579,8942014Assets 2015: $2,520,426Liabilities 2015: $1,932,076Net Assets 2015: $588,3502015Assets 2016: $2,440,056Liabilities 2016: $1,837,190Net Assets 2016: $602,8662016Assets 2017: $2,524,729Liabilities 2017: $1,921,862Net Assets 2017: $602,8672017Assets 2018: $2,573,859Liabilities 2018: $1,950,955Net Assets 2018: $622,9042018Assets 2019: $2,385,656Liabilities 2019: $1,745,529Net Assets 2019: $640,1272019Assets 2020: $2,389,118Liabilities 2020: $1,743,424Net Assets 2020: $645,6942020Assets 2021: $2,500,848Liabilities 2021: $1,857,774Net Assets 2021: $643,0742021

Highlighted filing

2013

Assets$2,676,532
Liabilities$2,121,521
Net Assets$555,011
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0-$50KExpenses 2010: $147,2962010Expenses 2011: $136,0002011Expenses 2012: $110,7192012Revenue 2013: $126,341Expenses 2013: $99,673Net Income 2013: $26,6682013Revenue 2014: $122,482Expenses 2014: $98,064Net Income 2014: $24,4182014Revenue 2015: $125,945Expenses 2015: $117,489Net Income 2015: $8,4562015Revenue 2016: $109,575Expenses 2016: $95,059Net Income 2016: $14,5162016Revenue 2017: $108,368Expenses 2017: $108,368Net Income 2017: $02017Revenue 2018: $116,792Expenses 2018: $96,755Net Income 2018: $20,0372018Revenue 2019: $115,338Expenses 2019: $98,115Net Income 2019: $17,2232019Revenue 2020: $98,040Expenses 2020: $92,473Net Income 2020: $5,5672020Revenue 2021: $85,359Expenses 2021: $87,979Net Income 2021: -$2,6202021

Highlighted filing

2013

Revenue$126,341
Expenses$99,673
Net Income$26,668
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 15, 2014
Return Version
2013v3.1
Gross Receipts
$126,341
Mission and Program Overview

Mission

Credit union - to provide services to approximately 725 members in the form of loans, savings, and other financial services.

Credit union - to provide services to approximately 963 members in the form of loans, savings, and other financial services.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$1,549,154$1,519,246▼ $29,908
Cash and Non-Interest-Bearing Accounts$595,832$733,844▲ $138,012
Rtn Earn Endowment Incm Other Fnds$418,885$425,553▲ $6,668
Savings and Temporary Cash Investments$656,748$348,588▼ $308,160
Cap Stk Tr Prin Current Funds$109,458$129,458▲ $20,000
Investments Other Securities$47,938$47,937▼ $1
Prepaid Expenses and Deferred Charges$4,141$3,514▼ $627
Total Assets$2,875,320$2,676,532▼ $198,788
Other Assets Total$21,507$23,403▲ $1,896
Liabilities
Other Liabilities$2,340,253$2,117,062▼ $223,191
Accounts Payable and Accrued Expenses$6,724$4,459▼ $2,265
Total Liabilities$2,346,977$2,121,521▼ $225,456
Net Assets / Fund Balance
Total Net Assets Fund Balance$528,343$555,011▲ $26,668
Total Liabilities and Net Assets / Fund Balance$2,875,320$2,676,532▼ $198,788

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$12,943$12,943
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debra YorkTreasurer/maFT$36,903$17,426$54,329

Board Members and Trustees

NameTitle
Richard PhillipsBoard Chairp
Joseph KolaczekBoard Member
Delana FrazierBoard Vice C
Michael SymasekCredit Comm
Sherry WallaceCredit Comm
Steve HolleyCredit Comm
Theresa RatliffSecretary
Morris NeebSupervisor C
Mike LoiaconaSupervisory
Shea KennedySupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$122,179
Investment Income
$3,792
Other Revenue
$370
Change in Net Assets
$26,668
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$57,990
Other Expenses$41,683
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$36,903-$36,903
Other Employee Benefits-$12,729-$12,729
Insurance-$10,761-$10,761
Office Expenses-$10,641-$10,641
Interest-$7,283-$7,283
Pension Plan Contributions-$5,535-$5,535
Payroll Taxes-$2,823-$2,823
Other Expenses-$857-$857
All Other Expenses-$575-$575
Total Functional Expenses$0$99,673$0$99,673
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$2,117,062
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
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 form 990 is available for review by the board of directors upon request.”

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

EIN
63-0459546
Phone
2055998010

Signing Officer

Name
Debra York
Title
Treasurer/manager
Phone
2055998010
Signed
2014-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Debra York
Formed
1955
Legal Domicile
Al
Voting Board Members
5
Independent Board Members
5
Employees
1
Volunteers
111

Preparer

Preparer
Keith Mcmurtrie
Phone
8505581102
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of dircetors, supervisory committee, and credit committee without compensation.”

Form 990, Page 5, Part V, Line 3B

“The credit union does not have any unrelated trade or business income.”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor.”

Raw XML Appendix363 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/BOYAmt06724
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt04459
IRS990/AccountsReceivableGrp/BOYAmt01549154
IRS990/AccountsReceivableGrp/EOYAmt01519246
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 963 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0575
IRS990/AllOtherExpensesGrp/TotalAmt0575
IRS990/BooksInCareOfDetail/PersonNm0DEBRA YORK
IRS990/BooksInCareOfDetail/PhoneNum02055998010
IRS990/BooksInCareOfDetail/USAddress/AddressLine10744 NORTH 41ST STREET
IRS990/BooksInCareOfDetail/USAddress/City0BIRMINGHAM
IRS990/BooksInCareOfDetail/USAddress/State0AL
IRS990/BooksInCareOfDetail/USAddress/ZIPCode035222
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt0109458
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt0129458
IRS990/CashNonInterestBearingGrp/BOYAmt0595832
IRS990/CashNonInterestBearingGrp/EOYAmt0733844
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt03792
IRS990/CYOtherExpensesAmt041683
IRS990/CYOtherRevenueAmt0370
IRS990/CYProgramServiceRevenueAmt0122179
IRS990/CYRevenuesLessExpensesAmt026668
IRS990/CYSalariesCompEmpBnftPaidAmt057990
IRS990/CYTotalExpensesAmt099673
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0126341
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/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt01
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt092390
IRS990/FamilyOrBusinessRlnInd0false
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt440.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
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/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd6X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt417426
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0DELANA FRAZIER
IRS990/Form990PartVIISectionAGrp/PersonNm1JOSEPH KOLACZEK
IRS990/Form990PartVIISectionAGrp/PersonNm2RICHARD PHILLIPS
IRS990/Form990PartVIISectionAGrp/PersonNm3THERESA RATLIFF
IRS990/Form990PartVIISectionAGrp/PersonNm4DEBRA YORK
IRS990/Form990PartVIISectionAGrp/PersonNm5STEVE HOLLEY
IRS990/Form990PartVIISectionAGrp/PersonNm6SHEA KENNEDY
IRS990/Form990PartVIISectionAGrp/PersonNm7MIKE LOIACONA
IRS990/Form990PartVIISectionAGrp/PersonNm8MORRIS NEEB
IRS990/Form990PartVIISectionAGrp/PersonNm9MICHAEL SYMASEK
IRS990/Form990PartVIISectionAGrp/PersonNm10SHERRY WALLACE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt436903
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
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/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD VICE C
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD CHAIRP
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER/MA
IRS990/Form990PartVIISectionAGrp/TitleTxt5CREDIT COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt6SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt7SUPERVISORY
IRS990/Form990PartVIISectionAGrp/TitleTxt8SUPERVISOR C
IRS990/Form990PartVIISectionAGrp/TitleTxt9CREDIT COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt10CREDIT COMM
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0126341
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InsuranceGrp/ManagementAndGeneralAmt010761
IRS990/InsuranceGrp/TotalAmt010761
IRS990/InterestGrp/ManagementAndGeneralAmt07283
IRS990/InterestGrp/TotalAmt07283
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt03792
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt03792
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt047938
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt047937
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt012943
IRS990/LandBldgEquipCostOrOtherBssAmt012943
IRS990/LegalDomicileStateCd0AL
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 963 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0528343
IRS990/NetAssetsOrFundBalancesEOYAmt0555011
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt010641
IRS990/OfficeExpensesGrp/TotalAmt010641
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt021507
IRS990/OtherAssetsTotalGrp/EOYAmt023403
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt012729
IRS990/OtherEmployeeBenefitsGrp/TotalAmt012729
IRS990/OtherExpensesGrp/Desc0PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc1MISC OPERATING EXP
IRS990/OtherExpensesGrp/Desc2EXAMINATION FEES
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXP
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt05911
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt14148
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt21507
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3857
IRS990/OtherExpensesGrp/TotalAmt05911
IRS990/OtherExpensesGrp/TotalAmt14148
IRS990/OtherExpensesGrp/TotalAmt21507
IRS990/OtherExpensesGrp/TotalAmt3857
IRS990/OtherLiabilitiesGrp/BOYAmt02340253
IRS990/OtherLiabilitiesGrp/EOYAmt02117062
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0370
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0370
IRS990/OtherRevenueTotalAmt0370
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt036903
IRS990/OtherSalariesAndWagesGrp/TotalAmt036903
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt02823
IRS990/PayrollTaxesGrp/TotalAmt02823
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt05535
IRS990/PensionPlanContributionsGrp/TotalAmt05535
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt04141
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03514
IRS990/PrincipalOfficerNm0DEBRA YORK
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0119784
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12395
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0119784
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12395
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt07283
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt03831
IRS990/PYOtherExpensesAmt053595
IRS990/PYProgramServiceRevenueAmt0128741
IRS990/PYRevenuesLessExpensesAmt021853
IRS990/PYSalariesCompEmpBnftPaidAmt057124
IRS990/PYTotalExpensesAmt0110719
IRS990/PYTotalRevenueAmt0132572
IRS990/ReconcilationRevenueExpnssAmt026668
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0418885
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0425553
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0656748
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0348588
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt012943
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt012943
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02117062
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/TotalLiabilityAmt02117062
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRCETORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED TRADE OR BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE 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/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0AL
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02875320
IRS990/TotalAssetsEOYAmt02676532
IRS990/TotalAssetsGrp/BOYAmt02875320
IRS990/TotalAssetsGrp/EOYAmt02676532
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt01
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt099673
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt099673
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02346977
IRS990/TotalLiabilitiesEOYAmt02121521
IRS990/TotalLiabilitiesGrp/BOYAmt02346977
IRS990/TotalLiabilitiesGrp/EOYAmt02121521
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0528343
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0555011
IRS990/TotalOtherCompensationAmt017426
IRS990/TotalProgramServiceExpensesAmt099673
IRS990/TotalProgramServiceRevenueAmt0122179
IRS990/TotalReportableCompFromOrgAmt036903
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0126341
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0126341
IRS990/TotalVolunteersCnt0111
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02875320
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02676532
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10744 NORTH 41ST STREET
IRS990/USAddress/City0BIRMINGHAM
IRS990/USAddress/State0AL
IRS990/USAddress/ZIPCode035222
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBRA YORK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER/MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum02055998010
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-15
ReturnHeader/Filer/BusinessName/BusinessNameLine10O'NEAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ONEA
ReturnHeader/Filer/EIN0630459546
ReturnHeader/Filer/PhoneNum02055998010
ReturnHeader/Filer/USAddress/AddressLine10744 NORTH 41ST STREET
ReturnHeader/Filer/USAddress/City0BIRMINGHAM
ReturnHeader/Filer/USAddress/State0AL
ReturnHeader/Filer/USAddress/ZIPCode035222
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine103773 COMMONWEALTH BLVD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0323033175
ReturnHeader/PreparerPersonGrp/PhoneNum08505581102
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEITH MCMURTRIE
ReturnHeader/ReturnTs02014-05-15T19:41:09-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,676,532
Liabilities
$2,121,521
Net assets
$555,011
Revenue
$126,341
Expenses
$99,673
Net income
$26,668
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$2.50$1.86$0.64$0.09$0.09$0.00
2020Detailed filing. Detailed filing data is available for this year.$2.39$1.74$0.65$0.10$0.09$0.01
2019Detailed filing. Detailed filing data is available for this year.$2.39$1.75$0.64$0.12$0.10$0.02
2018Detailed filing. Detailed filing data is available for this year.$2.57$1.95$0.62$0.12$0.10$0.02
2017Detailed filing. Detailed filing data is available for this year.$2.52$1.92$0.60$0.11$0.11$0.00
2016Detailed filing. Detailed filing data is available for this year.$2.44$1.84$0.60$0.11$0.10$0.01
2015Detailed filing. Detailed filing data is available for this year.$2.52$1.93$0.59$0.13$0.12$0.01
2014Detailed filing. Detailed filing data is available for this year.$2.63$2.05$0.58$0.12$0.10$0.02
2013Detailed filing. Detailed filing data is available for this year.$2.68$2.12$0.56$0.13$0.10$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.88$2.35$0.53$0.11
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.66$2.15$0.51$0.14
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.54$2.03$0.50$0.15