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Park Community Federal Credit Union Inc

  • Louisville, KY
  • Tax-exempt since Oct. 2014
  • EIN: 61-0654642

Organization summary

Type of Nonprofit

Designated as a Corporations organized under acts of Congress, which includes federal credit unions, and serve as instrumentalities of the United States.

Category: Public, Society Benefit — Multipurpose and Other / Credit Unions (NTEE)

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$53M (2020)

Expenses
$50.9M (2020)

Total Assets
$1.12B (2020)

Total Liabilities
$1.03B (2020)

Source: Form 990 tax filings from 2014 to 2020

Tax Filings and Audits by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Audits are required to be submitted by nonprofit organizations that spend $750,000 or more in federal grant money in a fiscal year. "Single audits" look at the entire organization's finances and compliance, while other audits are program specific. Nonprofit Explorer has PDFs of audits for some nonprofits for fiscal year 2015 and later. Audit data is from the Federal Audit Clearinghouse.

Fiscal Year Ending Dec.
2021

No Extracted Financial Data

Form 990 documents are not available for this tax period, but audit documents are available for download.

Document Links

Audits

Audit for a nonprofit that spends $750,000+ in federal grant money in a fiscal year

PDF

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$53,014,034
Expenses
$50,885,446
Net Income
$2,128,588
Net Assets
$88,609,922
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $51,516,057
97.2%
Investment Income $1,497,977
2.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,433,207
4.8%
Professional Fundraising Fees $0
Other Salaries and Wages $14,164,210
27.8%
Assets/Debt
Total Assets $1,121,794,262
Total Liabilities $1,033,184,340
Net Assets $88,609,922
Compensation
Key Employees and Officers Compensation Related Other
James Spradlin (President/Ceo) $476,265 $0 -$61,527
David Shadburne (Executive Vice President) $298,179 $0 $28,452
Anna Kaye Hall (Chief Financial Officer (Cfo)) $212,211 $0 $8,020
Lisa Bannon (Chief Operations Officer) $202,137 $0 $29,019
Doug Spalding (Real Estate Loan Originator) $176,609 $0 $12,423
Sharon Williams (Chief Human Resources Officer) $169,624 $0 $14,825
Andrew Pope (Mortgage Sales Manager) $165,850 $0 $13,469
Katherine Mc Kune (General Counsel) $156,044 $0 $19,542
Kirby Keith Roberts (Regional Manager Of Commercial Lending) $153,326 $0 $12,302
Julia Blackwell Aguilar (Vp Of Lending) $152,108 $0 $4,520
Melissa Mc Gill (Vp Of Finance) $143,114 $0 $13,903
Andy Dickhut (Vp Of Marketing) $140,302 $0 $11,463
Cheryl Standafer (Vp Of Retail Operations) $134,394 $0 $11,404
Keisha Deonarine (Director Of Philanthropy And Corporate Relations) $130,855 $0 $10,169
Jeff Thornton (Vp Of Support Operations) $113,496 $0 $3,922
James Perkins (Svp Of Information Technology) $112,334 $0 $6,799
Raymond Smith (Vp Of Community Development) $104,806 $0 $2,060
Jason Whitsell (Chief Information Officer (Cio)) $100,164 $0 $1,211
Bobby Willoughby (Chairman) $0 $0 $0
Joseph Ackerman Cpa (Secretary/Treasurer) $0 $0 $0
Mark Loyd Jr (First Vice Chairman) $0 $0 $0
Phyllis Hughes (2nd Vice Chairman) $0 $0 $0
Dennis Munn (Director) $0 $0 $0
Penelope Gold (Director) $0 $0 $0
Thomas Hendrix (Director) $0 $0 $0
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Document Links

990
Filed on Nov. 16, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$55,059,990
Expenses
$50,262,803
Net Income
$4,797,187
Net Assets
$85,529,960
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $53,484,861
97.1%
Investment Income $1,575,129
2.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,904,268
5.8%
Professional Fundraising Fees $0
Other Salaries and Wages $13,428,138
26.7%
Assets/Debt
Total Assets $975,232,326
Total Liabilities $889,702,366
Net Assets $85,529,960
Compensation
Key Employees and Officers Compensation Related Other
James Spradlin (President/Ceo) $493,765 $0 $410,022
David Shadburne (Executive Vice President) $277,073 $0 $30,474
Lisa Bannon (Chief Operations Officer) $183,233 $0 $27,648
Sandra Gogan (Svp Of Retail Operations) $177,436 $0 $12,056
Anna Kaye Hall (Chief Financial Officer (Cfo) $166,079 $0 $3,071
James Perkins (Svp Of Information Technology) $157,572 $0 $10,408
Robert Brown (Regional Manager Of Commercial Lending) $157,551 $0 $23,904
Sharon Williams (Svp Of Hr & Organizational Development) $156,456 $0 $13,970
Julia Blackwell Aguilar (Vp Of Lending) $146,889 $0 $3,880
Kirby Keith Roberts (Regional Manager Of Commercial Lending) $143,730 $0 $9,363
Katherine Mc Kune (General Counsel) $139,499 $0 $15,344
Melissa Mc Gill (Vp Of Finance) $136,374 $0 $13,265
Andy Dickhut (Vp Of Marketing) $126,939 $0 $11,554
Greg Smith (Financial Planning Program Manager) $125,820 $0 $2,230
Cheryl Standafer (Vp Of Retail Operations) $114,511 $0 $7,820
Steve Loftis (Vp Of Facilities) $111,539 $0 $5,449
Andrew Pope (Mortgage Sales Manager) $104,635 $0 $11,573
Jeff Thornton (Vp Of Electronic Services) $103,707 $0 $3,076
Bobby Willoughby (Chairman) $0 $0 $0
Joseph Ackerman Cpa (Secretary/Treasurer) $0 $0 $0
Mark Loyd Jr (First Vice Chairman) $0 $0 $0
Phyllis Hughes (2nd Vice Chairman) $0 $0 $0
Dennis Munn (Director) $0 $0 $0
Penelope Gold (Director) $0 $0 $0
Thomas Hendrix (Director) $0 $0 $0
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Document Links

990
Filed on Nov. 16, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$50,419,865
Expenses
$44,203,736
Net Income
$6,216,129
Net Assets
$81,825,017
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $49,011,170
97.2%
Investment Income $1,408,695
2.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,249,556
5.1%
Professional Fundraising Fees $0
Other Salaries and Wages $12,533,716
28.4%
Assets/Debt
Total Assets $907,640,054
Total Liabilities $825,815,037
Net Assets $81,825,017
Compensation
Key Employees and Officers Compensation Related Other
James Spradlin (President/Ceo) $452,711 $0 $22,977
David Shadburne (Executive Vice President) $249,554 $0 $32,653
Kirby Keith Roberts (Regional Manager Of Commercial Lending) $214,603 $0 $9,255
Sandra Gogan (Svp Of Retail Operations) $200,381 $0 $15,539
Lisa Bannon (Chief Operations Officer) $170,430 $0 $28,138
James Perkins (Svp Of Information Technology) $156,712 $0 $10,964
Sharon Williams (Svp Of Hr & Organizational Development) $155,279 $0 $14,080
Robert Brown (Regional Manager Of Commercial Lending) $142,876 $0 $22,919
Julia Blackwell Aguilar (Vp Of Lending) $133,035 $0 $3,678
Melissa Mc Gill (Vp Of Finance) $132,700 $0 $14,126
Greg Smith (Financial Planning Program Manager) $129,237 $0 $1,792
Katherine Mc Kune (General Counsel) $118,485 $0 $13,987
Donna Baugh (Avp Of Retail Operations) $109,138 $0 $3,235
Steve Loftis (Vp Of Facilities) $106,051 $0 $7,746
Jeff Thornton (Vp Of Electronic Services) $100,748 $0 $2,990
Carolyn Riggs (Vp Of Marketing & Business Development (Retired 7/13/2018)) $99,522 $0 $7,257
Andy Dickhut (Vp Of Marketing (Started 5/30/2018)) $60,881 $0 $8,440
Anna Kaye Hall (Chief Financial Officer (Cfo) (Started 9/17/2018)) $38,941 $0 $150
Cheryl Standafer (Vp Of Retail Operations (Started 10/1/2018)) $23,052 $0 $820
Mark Loyd (Chairman) $0 $0 $0
Thomas Hendrix (1st Vice Chairman) $0 $0 $0
Phyllis Hughes (2nd Vice Chairman) $0 $0 $0
Bobby Willoughby (Secretary/Treasurer) $0 $0 $0
Penny Gold (Director) $0 $0 $0
Dennis Munn (Director) $0 $0 $0
See filing for compensation of 1 other people →
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Document Links

990
Filed on Nov. 14, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$44,325,301
Expenses
$38,309,216
Net Income
$6,016,085
Net Assets
$76,813,165
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $43,449,632
98.0%
Investment Income $875,669
2.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,104,423
5.5%
Professional Fundraising Fees $0
Other Salaries and Wages $11,792,220
30.8%
Assets/Debt
Total Assets $896,145,189
Total Liabilities $819,332,024
Net Assets $76,813,165
Compensation
Key Employees and Officers Compensation Related Other
James Spradlin (President/Ceo) $385,285 $0 $66,424
David Shadburne (Executive Vice President) $210,105 $0 $42,377
Sandra Gogan (Svp Of Retail Operations) $177,421 $0 $78,358
James Perkins (Svp Of Information Technology) $143,736 $0 $5,743
Lisa Bannon (Chief Operations Officer) $141,569 $0 $40,062
Sharon Williams (Svp Of Hr & Organizational Development) $139,453 $0 $7,918
Carolyn Riggs (Vp Of Marketing & Business Development) $129,427 $0 $9,670
Melissa Mc Gill (Vp Of Finance) $124,137 $0 $9,901
Julia Blackwell Aguilar (Vp Of Lending) $115,345 $0 $0
Steve Loftis (Vp Of Facilities) $109,537 $0 $0
Donna Baugh (Avp Of Retail Operations) $104,851 $0 $0
Greg Smith (Financial Planning Manager) $104,325 $0 $0
Jeff Thornton (Vp Of Electronic Services) $96,835 $0 $0
Mark Loyd (Chairman) $0 $0 $0
Thomas Hendrix (1st Vice Chairman) $0 $0 $0
Phyllis Hughes (2nd Vice Chairman) $0 $0 $0
Bobby Willoughby (Secretary/Treasurer) $0 $0 $0
Penny Gold (Director) $0 $0 $0
Dennis Munn (Director) $0 $0 $0
Joseph Ackerman (Director) $0 $0 $0
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Document Links

990
Filed on Nov. 15, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$43,730,774
Expenses
$38,624,893
Net Income
$5,105,881
Net Assets
$71,686,691
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $40,440,922
92.5%
Investment Income $950,771
2.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $2,339,081
5.3%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,827,582
4.7%
Professional Fundraising Fees $0
Other Salaries and Wages $10,340,982
26.8%
Assets/Debt
Total Assets $798,873,865
Total Liabilities $727,187,174
Net Assets $71,686,691
Compensation
Key Employees and Officers Compensation Related Other
James Spradlin (President/Ceo) $346,612 $0 $49,439
David Shadburne (Executive Vice President) $185,003 $0 $25,825
Sandra Gogan (Svp Of Retail Operations) $172,950 $0 $18,651
James Perkins (Svp Of Information Technology) $137,959 $0 $12,003
Sharon Thompson (Svp Of Hr & Organizational Development) $133,096 $0 $16,763
Lisa Bannon (Svp Of Support Operations) $130,083 $0 $27,854
Carolyn Riggs (Vp Of Marketing & Business Development) $124,771 $0 $14,599
Melissa Mc Gill (Vp Of Finance) $120,986 $0 $16,662
Steve Loftis (Vp Of Facilities) $112,046 $0 $8,034
Chris Roberts (Indirect Dealer Rep) $108,243 $0 $13,507
Donna Baugh (Avp Of Retail Operations) $100,994 $0 $3,828
Julia Blackwell Aguilar (Vp Of Lending) $99,593 $0 $8,232
Cindy Bingham (Avp Of Retail Operations) $95,039 $0 $23,150
Jeff Thornton (Vp Of Electronic Services) $92,305 $0 $2,768
Mark Loyd (Chairman) $0 $0 $0
Thomas Hendrix (1st Vice Chairman) $0 $0 $0
Phyllis Hughes (2nd Vice Chairman) $0 $0 $0
Bobby Willoughby (Secretary/Treasurer) $0 $0 $0
Dennis Munn (Director) $0 $0 $0
Joseph Ackerman (Director) $0 $0 $0
Penny Gold (Director) $0 $0 $0
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Document Links

990
Filed on Nov. 13, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$39,720,370
Expenses
$35,352,152
Net Income
$4,368,218
Net Assets
$67,208,024
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $36,016,523
90.7%
Investment Income $1,016,582
2.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $2,687,265
6.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $9,033,393
25.6%
Assets/Debt
Total Assets $775,848,332
Total Liabilities $708,640,308
Net Assets $67,208,024
Compensation
Key Employees and Officers Compensation Related Other
James Spradlin (President/Ceo) $303,901 $0 $15,620
Sandra Gogan (Svp Of Retail Operations) $170,834 $0 $11,846
Sharon Thompson (Svp Of Hr & Organizational Development) $128,451 $0 $6,554
Lisa Bannon (Svp Of Support Operations) $125,328 $0 $15,337
Steve Loftis (Vp Of Facilities) $121,881 $0 $21,105
Carolyn Riggs (Vp Of Marketing & Business Development) $119,329 $0 $15,659
James Perkins (Svp Of Information Technology (Started June 2015)) $111,517 $0 $10,295
Melissa Mc Gill (Vp Of Finance) $106,418 $0 $14,107
Ronald T Richardson (Svp Of Information Technology (Ending 5/19/15)) $92,389 $0 $11,459
Mark Loyd (Chairman) $0 $0 $0
Thomas Hendrix (1st Vice Chairman) $0 $0 $0
Phyllis Hughes (2nd Vice Chairman) $0 $0 $0
Bobby Willoughby (Secretary/Treasurer) $0 $0 $0
Joseph Ackerman (Director) $0 $0 $0
Dennis Munn (Director) $0 $0 $0
Penny Gold (Director (Began February 2015)) $0 $0 $0
Donald Cummins (Director (Ended February 2015)) $0 $0 $0
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Document Links

990
Filed on Nov. 15, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$34,417,183
Expenses
$29,555,301
Net Income
$4,861,882
Net Assets
$62,128,118
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $31,436,294
91.3%
Investment Income $1,240,861
3.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,740,028
5.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,481,084
5.0%
Professional Fundraising Fees $0
Other Salaries and Wages $7,726,275
26.1%
Assets/Debt
Total Assets $689,333,428
Total Liabilities $627,205,310
Net Assets $62,128,118
Compensation
Key Employees and Officers Compensation Related Other
James Spradlin (President/Ceo) $285,386 $0 $29,501
Sandra Gogan (Svp Of Retail Operations) $172,641 $0 $19,572
Brad Schone (Svp Of Finance And Lending Cfo) $169,847 $0 $30,655
Ronald T Richardson (Svp Of Information Technology) $166,561 $0 $27,280
Sharon Thompson (Svp Of Hr & Organizational Development) $124,499 $0 $12,344
Lisa Bannon (Svp Of Support Operations) $120,421 $0 $22,829
Carolyn Riggs (Vp Of Marketing & Business Development) $114,854 $0 $13,083
Steve Loftis (Vp Of Facilities) $113,047 $0 $11,908
Chris Roberts (Indirect Dealer Representative) $106,982 $0 $8,313
Ken Blake (Vp Of Lending) $105,675 $0 $20,513
Phyllis Hughes (2nd Vice Chairman) $1,171 $0 $0
Mark Loyd (Chairman) $0 $0 $0
Thomas Hendrix (1st Vice Chairman) $0 $0 $0
Bobby Willoughby (Secretary/Treasurer) $0 $0 $0
Joseph Ackerman (Director) $0 $0 $0
Donald Cummins (Director) $0 $0 $0
Dennis Munn (Director) $0 $0 $0
Niki Spies (Partial Year) (Director) $0 $0 $0
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Document Links

990
Filed on Nov. 13, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

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