Civic Intelligence

O'Neal Credit Union

EIN 63-0459546 • 501(c)14 • Birmingham, AL

View Organization Page

Profile

Credit union - to provide services to approximately 658 members in the form of loans, savings, and other financial services.

744 North 41st StreetBirmingham, AL 35222
Siviq Scores

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

Liabilities / Assets

32nd percentile

0.74x

Higher debt load relative to assets than 32% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Liabilities / Revenue

88th percentile

21.76x

Higher debt load relative to revenue than 88% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Net Margin

45th percentile

-3.1%

Higher net margin than 45% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Top Officer Pay

56th percentile

$55,173

Higher top officer pay than 56% of similar nonprofits.

Top officer pay equals 64.6% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2021

Asset Growth

93rd percentile

4.7%

Faster asset growth than 93% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Revenue Growth

35th percentile

-13%

Faster revenue growth than 35% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$2,500,848

Up $111,730 (+4.7%) from 2020

Liabilities

Up

$1,857,774

Up $114,350 (+6.6%) from 2020

Net Assets

Down

$643,074

Down $2,620 (-0.4%) from 2020

Operations
Liabilities / Revenue88th percentileNet Margin45th percentile

Revenue

Down

$85,359

Down $12,681 (-13%) from 2020

Expenses

Down

$87,979

Down $4,494 (-4.9%) from 2020

Net Income

Down

-$2,620

Down $8,187 (-147%) from 2020

Trend Graphs

Balance Sheet Trend

Asset Growth93rd percentile

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

$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

2021

Assets$2,500,848
Liabilities$1,857,774
Net Assets$643,074
Open 2021 Filing

Operations Trend

Revenue Growth35th percentile

Revenue, expenses, and net income by year, with the latest 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

2021

Revenue$85,359
Expenses$87,979
Net Income-$2,620
Open 2021 Filing

Filings

Most recent year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,500,848
Liabilities
$1,857,774
Net assets
$643,074
Revenue
$85,359
Expenses
$87,979
Net income
-$2,620
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
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Mar 1, 2022
Return Version
2021v4.0
Gross Receipts
$85,359
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 financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$1,499,357$1,412,868▼ $86,489
Cash and Non-Interest-Bearing Accounts$821,368$1,019,630▲ $198,262
Rtn Earn Endowment Incm Other Fnds$481,720$479,100▼ $2,620
Cap Stk Tr Prin Current Funds$163,974$163,974→ $0
Investments Other Securities$47,938$47,938→ $0
Total Assets$2,389,118$2,500,848▲ $111,730
Other Assets Total$20,455$20,412▼ $43
Liabilities
Other Liabilities$1,739,452$1,853,222▲ $113,770
Accounts Payable and Accrued Expenses$3,972$4,552▲ $580
Total Liabilities$1,743,424$1,857,774▲ $114,350
Net Assets / Fund Balance
Total Net Assets Fund Balance$645,694$643,074▼ $2,620
Total Liabilities and Net Assets / Fund Balance$2,389,118$2,500,848▲ $111,730
Compensation and Service Providers
Top Officer Pay56th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Debra YorkTreasurer/maFT$47,210$7,963$55,173

Board Members and Trustees

NameTitle
Richard PhillipsChairman
Shea KennedyVice Chairma
Joseph KolaczekBoard Member
Duane WellsCredit Comm
Sherry WallaceCredit Comm
Steve HolleyCredit Comm
Theresa RatliffSecretary
Melissa MartinSupervisory
Mike LoiaconaSupervisory
Ryan CampbellSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$83,275
Investment Income
$1,517
Other Revenue
$567
Change in Net Assets
$-2,620
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$59,152
Other Expenses$28,827
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$47,210-$47,210
Office Expenses-$10,674-$10,674
Pension Plan Contributions-$7,082-$7,082
Payroll Taxes-$3,745-$3,745
Interest-$2,643-$2,643
Other Employee Benefits-$1,115-$1,115
Other Expenses-$700-$700
All Other Expenses-$241-$241
Total Functional Expenses$0$87,979$0$87,979
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$1,853,222
Governance and Compliance

Governance Checklist

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

Form 990, Page 6, Part VI, Line 19

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

Filing and Contact Details

Filer

Filer Name
O'NEAL CREDIT UNION
EIN
63-0459546
Phone
2055998010
Address
744 NORTH 41ST STREET, BIRMINGHAM, AL 35222

Signing Officer

Name
Debra York
Title
Treasurer/manager
Phone
2055998010
Signed
2022-03-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Debra York
Formed
1955
Legal Domicile
Al
Voting Board Members
5
Independent Board Members
4
Employees
1
Volunteers
10

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Amanda Onkst
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are 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 had no unrelated business income.”

Form 990, Part XII

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

Raw XML Appendix349 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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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 HAD NO UNRELATED 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 MANAGER REVIEWS THE FORM 990. THE 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
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ReturnHeader/BuildTS02022-09-23 18:48:47Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0DEBRA YORK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER/MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum02055998010
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-03-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0O'NEAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0ONEA
ReturnHeader/Filer/EIN0630459546
ReturnHeader/Filer/PhoneNum02055998010
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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/PreparationDt02022-02-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02022-02-15T12:18:03-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0DEBRA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0YORK
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

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