Civic Intelligence

Champion Community Credit Union

EIN 63-0975376 • 501(c)14 • Courtland, AL

View Organization Page

Profile

Credit union - to provide services to approximately 3,267 members in the form of loans, savings, and other financial services.

16601 County Road 150Courtland, AL 35618

wwwcaecu.org

Siviq Scores

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

Liabilities / Assets

35th percentile

0.86x

Higher debt load relative to assets than 35% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

37th percentile

15.94x

Higher debt load relative to revenue than 37% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

43rd percentile

7.6%

Higher net margin than 43% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

12th percentile

-6.8%

Faster asset growth than 12% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Revenue Growth

55th percentile

12%

Faster revenue growth than 55% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets35th percentile

Assets

Down

$48,730,926

Down $933,956 (-1.9%) from 2023

Liabilities

Down

$41,751,128

Down $1,133,582 (-2.6%) from 2023

Net Assets

Up

$6,979,798

Up $199,626 (+2.9%) from 2023

Operations
Liabilities / Revenue37th percentileNet Margin43rd percentile

Revenue

Up

$2,618,898

Up $41,432 (+1.6%) from 2023

Expenses

Up

$2,419,272

Up $265,372 (+12%) from 2023

Net Income

Down

$199,626

Down $223,940 (-53%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth12th percentile

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

$60M$40M$20M$0Assets 2010: $44,885,455Liabilities 2010: $39,346,789Net Assets 2010: $5,538,6662010Assets 2011: $50,333,827Liabilities 2011: $44,580,485Net Assets 2011: $5,753,3422011Assets 2012: $53,773,976Liabilities 2012: $47,761,962Net Assets 2012: $6,012,0142012Assets 2013: $52,293,561Liabilities 2013: $46,151,857Net Assets 2013: $6,141,7042013Assets 2014: $55,606,550Liabilities 2014: $49,446,551Net Assets 2014: $6,159,9992014Assets 2015: $54,616,828Liabilities 2015: $48,455,016Net Assets 2015: $6,161,8122015Assets 2016: $52,198,157Liabilities 2016: $46,019,598Net Assets 2016: $6,178,5592016Assets 2017: $51,200,287Liabilities 2017: $45,004,227Net Assets 2017: $6,196,0602017Assets 2018: $50,595,112Liabilities 2018: $44,356,492Net Assets 2018: $6,238,6202018Assets 2019: $52,430,632Liabilities 2019: $46,240,739Net Assets 2019: $6,189,8932019Assets 2020: $57,737,873Liabilities 2020: $51,524,674Net Assets 2020: $6,213,1992020Assets 2021: $59,774,858Liabilities 2021: $53,581,254Net Assets 2021: $6,193,6042021Assets 2022: $56,072,100Liabilities 2022: $49,661,494Net Assets 2022: $6,410,6062022Assets 2023: $49,664,882Liabilities 2023: $42,884,710Net Assets 2023: $6,780,1722023Assets 2024: $48,730,926Liabilities 2024: $41,751,128Net Assets 2024: $6,979,7982024

Highlighted filing

2024

Assets$48,730,926
Liabilities$41,751,128
Net Assets$6,979,798
Open 2024 Filing

Operations Trend

Revenue Growth55th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,988,6802010Expenses 2011: $2,005,2522011Expenses 2012: $1,977,6182012Revenue 2013: $2,131,880Expenses 2013: $2,002,190Net Income 2013: $129,6902013Revenue 2014: $1,956,757Expenses 2014: $1,938,463Net Income 2014: $18,2942014Revenue 2015: $1,977,281Expenses 2015: $1,975,468Net Income 2015: $1,8132015Revenue 2016: $2,211,726Expenses 2016: $2,194,979Net Income 2016: $16,7472016Revenue 2017: $2,282,325Expenses 2017: $2,264,824Net Income 2017: $17,5012017Revenue 2018: $2,345,135Expenses 2018: $2,302,574Net Income 2018: $42,5612018Revenue 2019: $2,424,759Expenses 2019: $2,473,485Net Income 2019: -$48,7262019Revenue 2020: $2,192,495Expenses 2020: $2,169,189Net Income 2020: $23,3062020Revenue 2021: $1,977,274Expenses 2021: $1,996,891Net Income 2021: -$19,6172021Revenue 2022: $2,099,292Expenses 2022: $1,882,290Net Income 2022: $217,0022022Revenue 2023: $2,577,466Expenses 2023: $2,153,900Net Income 2023: $423,5662023Revenue 2024: $2,618,898Expenses 2024: $2,419,272Net Income 2024: $199,6262024

Highlighted filing

2024

Revenue$2,618,898
Expenses$2,419,272
Net Income$199,626
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$48,730,926
Liabilities
$41,751,128
Net assets
$6,979,798
Revenue
$2,618,898
Expenses
$2,419,272
Net income
$199,626
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$48.7$41.8$6.98$2.62$2.42$0.20
2023Detailed filing. Detailed filing data is available for this year.$49.7$42.9$6.78$2.58$2.15$0.42
2022Detailed filing. Detailed filing data is available for this year.$56.1$49.7$6.41$2.10$1.88$0.22
2021Detailed filing. Detailed filing data is available for this year.$59.8$53.6$6.19$1.98$2.00$0.02
2020Detailed filing. Detailed filing data is available for this year.$57.7$51.5$6.21$2.19$2.17$0.02
2019Detailed filing. Detailed filing data is available for this year.$52.4$46.2$6.19$2.42$2.47$0.05
2018Detailed filing. Detailed filing data is available for this year.$50.6$44.4$6.24$2.35$2.30$0.04
2017Detailed filing. Detailed filing data is available for this year.$51.2$45.0$6.20$2.28$2.26$0.02
2016Detailed filing. Detailed filing data is available for this year.$52.2$46.0$6.18$2.21$2.19$0.02
2015Detailed filing. Detailed filing data is available for this year.$54.6$48.5$6.16$1.98$1.98$0.00
2014Detailed filing. Detailed filing data is available for this year.$55.6$49.4$6.16$1.96$1.94$0.02
2013Detailed filing. Detailed filing data is available for this year.$52.3$46.2$6.14$2.13$2.00$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.8$47.8$6.01$1.98
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.3$44.6$5.75$2.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.9$39.3$5.54$1.99
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.0
Gross Receipts
$2,618,898
Mission and Program Overview

Mission

Credit union - to provide services to approximately 3,811 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$26,458,742$24,596,723▼ $1,862,019
Savings and Temporary Cash Investments$18,614,000$15,152,288▼ $3,461,712
Cash and Non-Interest-Bearing Accounts$3,493,483$7,964,889▲ $4,471,406
Rtn Earn Endowment Incm Other Fnds$6,780,172$6,979,798▲ $199,626
Land, Buildings, and Equipment, Net$399,047$346,690▼ $52,357
Prepaid Expenses and Deferred Charges$44,183$52,925▲ $8,742
Investments Other Securities$39,209$39,209→ $0
Total Assets$49,664,882$48,730,926▼ $933,956
Other Assets Total$616,218$578,202▼ $38,016
Liabilities
Other Liabilities$42,799,575$41,709,447▼ $1,090,128
Accounts Payable and Accrued Expenses$85,135$41,681▼ $43,454
Total Liabilities$42,884,710$41,751,128▼ $1,133,582
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,780,172$6,979,798▲ $199,626
Total Liabilities and Net Assets / Fund Balance$49,664,882$48,730,926▼ $933,956

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$122,537$496,596$619,133
Equipment$7,210$565,147$572,357
Land$158,243-$158,243
Leasehold Improvements$48,700$55,710$104,410
Other Land Buildings-$25,748$25,748
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Regzey CarpenterPresident/ceFT$124,083$25,151$149,234
Cathy TerryManagerFT$81,952$18,378$100,330

Board Members and Trustees

NameTitle
Patrick MasonBoar Chair
Edwin SmithBoard Chair
Garland BurdenBoard Member
Ken RomineBoard Member
Doris GarnerBoard Secret
Tim AgeeBoard Treasu
Andy ChorneyBoard Vice C
Alicia GistSupervis COM
Glenn SkeltonSupervisory
Jeff BoddieSupervisory
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,807,601
Investment Income
$628,589
Other Revenue
$182,708
Change in Net Assets
$199,626
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,547,458
Salaries, Compensation, and Employee Benefits$871,814
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$650,716-$650,716
Interest-$598,836-$598,836
Office Expenses-$241,217-$241,217
Other Employee Benefits-$173,193-$173,193
Occupancy-$151,064-$151,064
Conferences and Meetings-$50,306-$50,306
Payroll Taxes-$47,905-$47,905
All Other Expenses-$30,823-$30,823
Other Expenses-$24,080-$24,080
Total Functional Expenses$0$2,419,272$0$2,419,272
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
All Other Shares$22,420,110
Regular Shares$13,496,405
Share Drafts$5,792,932
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
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 12C

“The board of directors monitor and enforce the conflict of interest policy.”

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
Champion Community Credit Union
EIN
63-0975376
Phone
2566376511
Address
16601 COUNTY ROAD 150, COURTLAND, AL 35618

Signing Officer

Name
Regzey Carpenter
Title
President/CEO
Phone
2566376511
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Regzey Carpenter
Formed
1971
Legal Domicile
Al
Voting Board Members
7
Independent Board Members
7
Employees
20
Volunteers
15

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 directors and supervisory committee without compensation.”

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

“The credit union had no unrelated business income.”

Form 990, Part XI, Line 9

“Other changes - net income 0 due to rounding 0 due to rounding 0 acct change adj - cecl 0”

Raw XML Appendix388 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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IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0104410
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY 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/ExplanationTxt6THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8OTHER CHANGES - NET INCOME 0 DUE TO ROUNDING 0 DUE TO ROUNDING 0 ACCT CHANGE ADJ - CECL 0
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 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
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IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06780172
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IRS990/TotalOtherCompensationAmt043529
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IRS990/TotalProgramServiceRevenueAmt01807601
IRS990/TotalReportableCompFromOrgAmt0206035
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02618898
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02618898
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IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0COURTLAND
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IRS990/USAddress/ZIPCd035618
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IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWWCAECU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0REGZEY CARPENTER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02566376511
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHAMPION COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CHAM
ReturnHeader/Filer/EIN0630975376
ReturnHeader/Filer/PhoneNum02566376511
ReturnHeader/Filer/USAddress/AddressLine1Txt016601 COUNTY ROAD 150
ReturnHeader/Filer/USAddress/CityNm0COURTLAND
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
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/PreparationDt02025-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA ONKST
ReturnHeader/ReturnTs02025-05-13T12:05:10-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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