Civic Intelligence

Credit Unions in the State of Al

990 • Fiscal year 2012 • EIN 63-0476332

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 15, 2013

Organization ProfileWWW.REDOAKCU.COM

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1008 Veterans Memorial Pkwy35404
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Balance Sheet

Assets

Flat

$32,803,683

Flat from 2012

Net Assets

Flat

$3,554,781

Flat from 2012

Liabilities

Flat

$29,248,902

Flat from 2012

Revenue And Expenses

Revenue

-

No earlier filing loaded for comparison.

Expenses

Flat

$2,368,333

Flat from 2012

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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 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

2012

Assets$32,803,683
Liabilities$29,248,902
Net Assets$3,554,781
Open 2012 Filing

Operations Trend

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: $2,361,3432011Expenses 2012: $2,368,3332012Revenue 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

2012

Revenue-
Expenses$2,368,333
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 15, 2013
Return Version
2012v2.0
Gross Receipts
$2,443,573
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 AppendixShowing 400 of 420 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 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/Explanation4CREDIT UNION STAFF REVIEW THE CONFLICT OF INTEREST POLICY EACH YEAR WITH THE CREDIT UNION'S MANAGE. AT THIS MEETING, THE STAFF MEMBERS ARE FREE TO ASK ANY QUESTIONS REGARDING THIS POLICY. THE CREDIT UNION MANAGERS CONSTANTLY MONITORS THE STAFF TO MAKE SURE EVERYONE IS IN COMPLIANCE WITH THE POLICE. 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 AND TOP MANAGEMENT OFFICIAL 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.
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IRS990/TotalNetAssetsFundBalances/EOY03554781
IRS990/TotalOfOtherProgramServiceExp00
IRS990/TotalOfOtherProgramServiceGrnt00
IRS990/TotalOfOtherProgramServiceRev00
IRS990/TotalOtherCompensation014300
IRS990/TotalOtherRevenue0987487
IRS990/TotalOthProgramServiceRevenue/ExclusionAmount00
IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome00
IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn00
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IRS990/TotalProfFundrsngExpCY00
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IRS990/TotalProgramServiceExpense00
IRS990/TotalProgramServiceRevenue01269160
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg081661
IRS990/TotalRevenueCurrentYear02443573
IRS990/TotalRevenue/ExclusionAmount022514
IRS990/TotalRevenuePriorYear02551924
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02405641
IRS990/TotalRevenue/TotalRevenueColumn02443573
IRS990/TotalRevenue/UnrelatedBusinessRevenue015418
IRS990/Travel/Total026961
IRS990/TypeOfOrganizationCorporation0X
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IRS990/UponRequest0X
IRS990/WebSite0WWW.DCHCU.ORG
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Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$32,803,683
Liabilities
$29,248,902
Net assets
$3,554,781
Revenue
-
Expenses
$2,368,333
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
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.8$29.2$3.55$2.37
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