Civic Intelligence

Alabama Teachers Credit Union

990 • Fiscal year 2020 • EIN 63-6046132

Jan 01, 2020 to Dec 31, 2020

Gadsden, AL
Siviq Scores

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

Liabilities / Assets

37th percentile

0.89x

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

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Liabilities / Revenue

60th percentile

20.57x

Higher debt load relative to revenue than 60% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Net Margin

62nd percentile

14%

Higher net margin than 62% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2020

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2020

Asset Growth

73rd percentile

21%

Faster asset growth than 73% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Revenue Growth

50th percentile

-0.7%

Faster revenue growth than 50% of similar nonprofits.

2020 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2019 to 2020

Assets

Up

$415,803,086

Up $72,048,938 (+21%) from 2019

Net Assets

Up

$46,448,098

Up $3,288,124 (+7.6%) from 2019

Liabilities

Up

$369,354,988

Up $68,760,814 (+23%) from 2019

Revenue

Down

$17,953,564

Down $120,443 (-0.7%) from 2019

Expenses

Up

$15,451,117

Up $502,832 (+3.4%) from 2019

Net Income

Down

$2,502,447

Down $623,275 (-20%) from 2019

Historical Trend

Balance Sheet Trend

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

$600M$400M$200M$0Assets 2010: $197,839,176Liabilities 2010: $175,942,966Net Assets 2010: $21,896,2102010Assets 2011: $213,837,371Liabilities 2011: $189,284,223Net Assets 2011: $24,553,1482011Assets 2012: $226,189,599Liabilities 2012: $198,700,467Net Assets 2012: $27,489,1322012Assets 2013: $245,645,057Liabilities 2013: $216,311,949Net Assets 2013: $29,333,1082013Assets 2014: $248,516,941Liabilities 2014: $216,194,586Net Assets 2014: $32,322,3552014Assets 2015: $259,950,408Liabilities 2015: $226,411,343Net Assets 2015: $33,539,0652015Assets 2016: $278,584,853Liabilities 2016: $243,335,626Net Assets 2016: $35,249,2272016Assets 2017: $285,790,473Liabilities 2017: $248,408,552Net Assets 2017: $37,381,9212017Assets 2018: $302,815,886Liabilities 2018: $263,219,149Net Assets 2018: $39,596,7372018Assets 2019: $343,754,148Liabilities 2019: $300,594,174Net Assets 2019: $43,159,9742019Assets 2020: $415,803,086Liabilities 2020: $369,354,988Net Assets 2020: $46,448,0982020Assets 2021: $477,477,278Liabilities 2021: $429,125,163Net Assets 2021: $48,352,1152021Assets 2022: $479,200,439Liabilities 2022: $436,851,039Net Assets 2022: $42,349,4002022Assets 2023: $531,369,874Liabilities 2023: $482,361,594Net Assets 2023: $49,008,2802023Assets 2024: $566,922,579Liabilities 2024: $513,313,521Net Assets 2024: $53,609,0582024

Highlighted filing

2020

Assets$415,803,086
Liabilities$369,354,988
Net Assets$46,448,098

Operations Trend

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

$40M$30M$20M$10M$0Expenses 2010: $9,866,8662010Expenses 2011: $10,188,8272011Expenses 2012: $10,198,2842012Revenue 2013: $13,419,678Expenses 2013: $10,651,279Net Income 2013: $2,768,3992013Revenue 2014: $13,549,825Expenses 2014: $11,069,911Net Income 2014: $2,479,9142014Revenue 2015: $12,777,496Expenses 2015: $11,372,072Net Income 2015: $1,405,4242015Revenue 2016: $13,773,815Expenses 2016: $11,808,802Net Income 2016: $1,965,0132016Revenue 2017: $14,820,308Expenses 2017: $12,618,622Net Income 2017: $2,201,6862017Revenue 2018: $16,132,685Expenses 2018: $13,488,181Net Income 2018: $2,644,5042018Revenue 2019: $18,074,007Expenses 2019: $14,948,285Net Income 2019: $3,125,7222019Revenue 2020: $17,953,564Expenses 2020: $15,451,117Net Income 2020: $2,502,4472020Revenue 2021: $19,350,763Expenses 2021: $16,092,963Net Income 2021: $3,257,8002021Revenue 2022: $23,248,388Expenses 2022: $18,657,736Net Income 2022: $4,590,6522022Revenue 2023: $28,308,124Expenses 2023: $24,087,717Net Income 2023: $4,220,4072023Revenue 2024: $33,680,669Expenses 2024: $30,233,481Net Income 2024: $3,447,1882024

Highlighted filing

2020

Revenue$17,953,564
Expenses$15,451,117
Net Income$2,502,447
Filing Detail Status

This 2020 filing currently has summary financial data only. Detailed schedules, leadership, and program rows are not available for this filing yet.

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Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Mission and Program Overview

Mission

Cooperative society incorporated for the twofold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$567$513$53.6$33.7$30.2$3.45
2023Summary only. Only limited summary data is available for this year.$531$482$49.0$28.3$24.1$4.22
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$479$437$42.3$23.2$18.7$4.59
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$477$429$48.4$19.4$16.1$3.26
2020Summary only. Only limited summary data is available for this year.$416$369$46.4$18.0$15.5$2.50
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$344$301$43.2$18.1$14.9$3.13
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$303$263$39.6$16.1$13.5$2.64
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$286$248$37.4$14.8$12.6$2.20
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$279$243$35.2$13.8$11.8$1.97
2015Detailed filing. Detailed filing data is available for this year.$260$226$33.5$12.8$11.4$1.41
2014Detailed filing. Detailed filing data is available for this year.$249$216$32.3$13.5$11.1$2.48
2013Detailed filing. Detailed filing data is available for this year.$246$216$29.3$13.4$10.7$2.77
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$226$199$27.5$10.2
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$214$189$24.6$10.2
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$198$176$21.9$9.87