Civic Intelligence

Credit Unions in the State of Al

990 • Fiscal year 2010 • EIN 63-0476332

Jan 01, 2010 to Dec 31, 2010 • Filed on Nov 15, 2011

Organization ProfileWWW.REDOAKCU.COM

View Organization Page

1008 Veterans Memorial Pkwy35404
Siviq Scores

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

Liabilities / Assets

71st percentile

0.90x

Higher debt load relative to assets than 71% of similar nonprofits.

2010 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2010

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2010

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2010

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2010

Asset Growth

Score unavailable

No value available

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

Source year 2010

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets71st percentile

Assets

$32,818,302

No earlier filing loaded for comparison.

Net Assets

$3,204,886

No earlier filing loaded for comparison.

Liabilities

$29,613,416

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$2,678,682

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$60M$40M$20M$0Assets 2010: $32,818,302Liabilities 2010: $29,613,416Net Assets 2010: $3,204,8862010Assets 2011: $32,454,350Liabilities 2011: $28,974,809Net Assets 2011: $3,479,5412011Assets 2012: $32,803,683Liabilities 2012: $29,248,902Net Assets 2012: $3,554,7812012Assets 2013: $31,238,637Liabilities 2013: $27,553,341Net Assets 2013: $3,685,2962013Assets 2014: $30,648,955Liabilities 2014: $26,953,991Net Assets 2014: $3,694,9642014Assets 2015: $30,087,473Liabilities 2015: $26,295,880Net Assets 2015: $3,791,5932015Assets 2016: $29,487,990Liabilities 2016: $25,658,072Net Assets 2016: $3,829,9182016Assets 2017: $30,121,825Liabilities 2017: $26,062,872Net Assets 2017: $4,058,9532017Assets 2018: $29,309,533Liabilities 2018: $25,040,235Net Assets 2018: $4,269,2982018Assets 2019: $31,670,530Liabilities 2019: $27,139,066Net Assets 2019: $4,531,4642019Assets 2020: $37,160,431Liabilities 2020: $32,584,601Net Assets 2020: $4,575,8302020Assets 2021: $37,790,371Liabilities 2021: $33,605,010Net Assets 2021: $4,185,3612021Assets 2022: $40,895,274Liabilities 2022: $38,996,686Net Assets 2022: $1,898,5882022Assets 2023: $43,079,437Liabilities 2023: $41,238,351Net Assets 2023: $1,841,0862023Assets 2024: $43,943,621Liabilities 2024: $42,305,673Net Assets 2024: $1,637,9482024

Highlighted filing

2010

Assets$32,818,302
Liabilities$29,613,416
Net Assets$3,204,886
Open 2010 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,678,6822010Expenses 2011: $2,361,3432011Revenue 2012: $2,443,573Expenses 2012: $2,368,333Net Income 2012: $75,2402012Revenue 2013: $2,145,419Expenses 2013: $1,997,386Net Income 2013: $148,0332013Revenue 2014: $1,861,130Expenses 2014: $1,788,820Net Income 2014: $72,3102014Revenue 2015: $1,789,520Expenses 2015: $1,676,492Net Income 2015: $113,0282015Revenue 2016: $1,832,616Expenses 2016: $1,733,755Net Income 2016: $98,8612016Revenue 2017: $2,000,498Expenses 2017: $1,775,803Net Income 2017: $224,6952017Revenue 2018: $2,158,354Expenses 2018: $1,873,363Net Income 2018: $284,9912018Revenue 2019: $2,209,421Expenses 2019: $2,164,789Net Income 2019: $44,6322019Revenue 2020: $1,990,219Expenses 2020: $2,002,942Net Income 2020: -$12,7232020Revenue 2021: $1,851,079Expenses 2021: $2,054,168Net Income 2021: -$203,0892021Revenue 2022: $2,234,656Expenses 2022: $2,156,522Net Income 2022: $78,1342022Revenue 2023: $2,466,461Expenses 2023: $2,714,058Net Income 2023: -$247,5972023Revenue 2024: $2,685,782Expenses 2024: $3,335,071Net Income 2024: -$649,2892024

Highlighted filing

2010

Revenue-
Expenses$2,678,682
Net Income-
Open 2010 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2010 to Dec 31, 2010
Signed
Nov 15, 2011
Return Version
2010v3.4
Gross Receipts
$4,538,939
Mission and Program Overview

Mission

Credit union - to provide services to approximately 4,629 members in the form of loans, savings, and other financial services.

Filing and Contact Details

Filer

EIN
63-0476332
Raw XML Appendix367 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/GeneralExplanation/Explanation0DCH CREDIT UNION IS A NON-PROFIT FINANCIAL INSTITUTION THAT IS OWNED AND OPERATED BY ITS MEMBERS. IN ORDER TO BECOME A MEMBER OF THE CREDIT UNION, AN INDIVIDUAL MUST LIVE, WORK, OR ATTEND SCHOOL IN TUSCALOOSA, BIBB, FAYETTE, GREENE, HALE, LAMAR, PICKENS, OR SUMTER COUNTY, IN ALABAMA.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS OF THE CREDIT UNION ELECT MEMBERS OF THE GOVERNING BODY BY PLURALITY VOTE AT THE ANNUAL MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation2DCH CREDIT UNION DOES NOT HAVE COMMITTEES WITH THE RESPONSIBILITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/GeneralExplanation/Explanation3UPON COMPLETION OF THE CREDIT UNION'S FORM 990, THE RETURN IS PRESENTED TO THE BOARD AT A BOARD OF DIRECTORS MEETING. AT THE MEETING, THE BOARD MEMBERS REVIEW THE TAX RETURN AND ARE FREE TO ASK ANY QUESTIONS OR ENGAGE IN DISCUSSION REGARDING ANY TOPIC COVERED IN THE RETURN. ONCE THE GOVERNING BODY HAS REVIEWED AND APPROVED THE FORM 990, THE RETURN IS FILED WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/GeneralExplanation/Explanation4- CREDIT UNION STAFF REVIEW THE CONFLICT OF INTEREST POLICY EACH YEAR WITH THE CREDIT UNION'S MANAGER. AT THIS MEETING, THE STAFF MEMBERS ARE FREE TO ASK ANY QUESTIONS REGARDING THIS POLICY. THE CREDIT UNION MANAGER CONSTANTLY MONITORS THE STAFF TO MAKE SURE EVERYONE IS IN COMPLIANCE WITH THE POLICY. IT IS THE RESPONSIBILITY OF STAFF OR DIRECTORS TO IMMEDIATELY NOTIFY THE CREDIT UNION MANAGERS OF ANY POTENTIAL CONFLICT OF INTEREST.
IRS990ScheduleO/GeneralExplanation/Explanation5COMPENSATION FOR OFFICERS, KEY EMPLOYEES & TOP MANAGEMENT OFFICIALS IS DETERMINED ON A YEARLY BASIS. BEFORE COMPENSATION IS SET, THE BOARD OF DIRECTORS EXAMINES THE TYPE AND AMOUNT OF WORK PERFORMED BY THE EMPLOYEES WHILE TAKING INTO ACCOUNT THE CREDIT UNION'S PRIOR YEAR INCOME. THE BOARD USES NATIONAL PEER GROUP SALARY GUIDES PROVIDED BY CUNA AS AN INDEPENDENT SALARY GUIDE.
IRS990ScheduleO/GeneralExplanation/Explanation6THE CREDIT UNION MAKES AVAILABLE ITS FINANCIAL STATEMENTS VIA THE NCUA WEBSITE WHICH CAN BE FOUND AT WWW.NCUA.GOV. OTHER DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7NET UNREALIZED LOSSES ON INVESTMENTS: -64,903.
IRS990ScheduleO/GeneralExplanation/Explanation8ON A YEARLY BASIS, THE NATIONAL CREDIT UNION ASSOCIATION AND ALABAMA CREDIT UNION ADMINISTRATION EXAMINE THE FINANCIAL STATEMENTS OF THE CREDIT UNION. ADDITIONALLY, THE LEAGUE OF SOUTHEASTERN CREDIT UNIONS PERFORMS SIMILAR PROCEDURES AND REVIEW OF THE CREDIT UNION'S FINANCIAL STATEMENTS SEMI-ANNUALLY.
IRS990ScheduleO/GeneralExplanation/Identifier0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/Identifier1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/Identifier2FORM 990, PART VI, SECTION A, LINE 8B
IRS990ScheduleO/GeneralExplanation/Identifier3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/Identifier4CHANGES IN NET ASSETS OR FUND BALANCES:
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IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION C, LINE 19
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IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART XII, LINE 2
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ReturnHeader/Officer/DateSigned02011-11-15
ReturnHeader/Officer/Name0KEVIN MAGUIRE
ReturnHeader/Officer/Phone02057597317
ReturnHeader/Officer/Title0CEO
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10BARFIELD MURPHY SHANK & SMITH PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine101121 RIVERCHASE OFFICE RD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0BIRMINGHAM
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0AL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode035244
ReturnHeader/Preparer/Name0JACK KNIGHT CPA
ReturnHeader/Preparer/Phone02059825500
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02010-01-01
ReturnHeader/TaxPeriodEndDate02010-12-31
ReturnHeader/TaxYear02010
ReturnHeader/Timestamp02011-10-26T09:10:34-05:00

Document Assets

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Filings

Displayed year

2010 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$32,818,302
Liabilities
$29,613,416
Net assets
$3,204,886
Revenue
-
Expenses
$2,678,682
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.9$42.3$1.64$2.69$3.34$0.65
2023Summary only. Only limited summary data is available for this year.$43.1$41.2$1.84$2.47$2.71$0.25
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.9$39.0$1.90$2.23$2.16$0.08
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.8$33.6$4.19$1.85$2.05$0.20
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.2$32.6$4.58$1.99$2.00$0.01
2019Summary only. Only limited summary data is available for this year.$31.7$27.1$4.53$2.21$2.16$0.04
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.3$25.0$4.27$2.16$1.87$0.28
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.1$26.1$4.06$2.00$1.78$0.22
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.5$25.7$3.83$1.83$1.73$0.10
2015Summary only. Only limited summary data is available for this year.$30.1$26.3$3.79$1.79$1.68$0.11
2014Detailed filing. Detailed filing data is available for this year.$30.6$27.0$3.69$1.86$1.79$0.07
2013Detailed filing. Detailed filing data is available for this year.$31.2$27.6$3.69$2.15$2.00$0.15
2012Summary only. Only limited summary data is available for this year.$32.8$29.2$3.55$2.44$2.37$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.5$29.0$3.48$2.36
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.8$29.6$3.20$2.68