Avadian Credit Union

Hoover, AL
Tax-exempt since June 1971
EIN: 63-0207315

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Type of Nonprofit

Designated as a 501(c)(14) State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Revenue

$76.9M (2023)

Expenses

$69.9M (2023)

Total Assets

$1.35B (2023)

Total Liabilities

$1.26B (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings 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.

Fiscal Year Ending Dec.
2023

Revenue

$76,914,615

Expenses

$69,931,799

Net Income

$6,982,816

Net Assets

$93,100,646

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$51,212,036	66.6%
Investment Income	$7,278,328	9.5%
Bond Proceeds	$0
Royalties	$117,908	0.2%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$1,091,612	1.4%
Net Inventory Sales	$0
Other Revenue	$17,214,731	22.4%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$2,452,582	3.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$17,629,623	25.2%

Assets/Debt
Total Assets	$1,352,204,641
Total Liabilities	$1,259,103,995
Net Assets	$93,100,646

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$479,703	$0	$108,898
William R Chancellor (Chief Lending Officer)	$239,706	$0	$58,940
James Dismukes (Afs Program Manager)	$239,226	$0	$103,350
Adrienne Breckenridge (Chief Financial Officer)	$237,869	$0	$29,726
Parker Steele (Chief Legal & Compliance O)	$235,349	$0	$43,538
Eric Ham (Chief Information Officer)	$233,827	$0	$34,673
Brandon Watkins (Vp Card Services And Payme)	$227,590	$0	$12,790
Steven Thrasher (Assistant Vp Mortgage Lending)	$202,832	$0	$27,121
Gayla Kuykendall (Sr Vice President Operatio)	$197,874	$0	$136,730
Donnamarie Tyler (Senior Vp Of Deposits And Retail Strategy)	$193,189	$0	$10,942
Jeffrey Skipper (Senior Vp Of Marketing & Digital Services)	$178,790	$0	$32,832
Randall Phillips (Vp Commercial Credit)	$168,862	$0	$32,272
Larry Uptain (Commercial Loan Manager)	$157,291	$0	$14,985
Terry Davis (Chairman)	$0	$0	$0
Deborah Given (Treasurer)	$0	$0	$0
Linda Ruethemann (Secretary)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Cindy Killen (Director)	$0	$0	$0
Brenda Welborn (Vice Chairman)	$0	$0	$0
John Morris (Director)	$0	$0	$0
Brian Wilson (Director)	$0	$0	$0
Michael Mcgraw (Director)	$0	$0	$0
Reggie Juran (Director)	$0	$0	$0

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990

Filed on Oct. 23, 2024

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Fiscal Year Ending Dec.
2022

Revenue

$56,357,889

Expenses

$49,571,185

Net Income

$6,786,704

Net Assets

$80,745,667

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$35,308,698	62.7%
Investment Income	$4,154,278	7.4%
Bond Proceeds	$0
Royalties	$113,105	0.2%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$372,660
Net Inventory Sales	$0
Other Revenue	$17,154,468	30.4%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,906,176	3.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$16,119,744	32.5%

Assets/Debt
Total Assets	$1,250,063,338
Total Liabilities	$1,169,317,671
Net Assets	$80,745,667

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$474,234	$0	$65,719
James Dismukes (Afs Program Manager)	$281,518	$0	$48,021
Brandon Watkins (Vp Card Services And Payme)	$229,350	$0	$11,165
Steven Thrasher (Vp Mortgage Lending)	$228,726	$0	$27,414
William R Chancellor (Chief Lending Officer)	$223,002	$0	$48,680
Parker Steele (Chief Legal & Compliance O)	$218,130	$0	$33,479
Adrienne Breckenridge (Chief Financial Officer)	$217,229	$0	$28,240
Eric Ham (Chief Information Officer)	$215,093	$0	$27,212
Cynthia Sharp (Mortgage Loan Officer)	$197,031	$0	$26,098
Gayla Kuykendall (Sr Vice President Operatio)	$180,638	$0	$63,681
Randall Phillips (Vp Commercial Credit)	$160,175	$0	$24,285
Stanton Davis (Chief Experience & Innovat)	$83,537	$0	$27,301
Terry Davis (Chairman)	$0	$0	$0
Deborah Given (Treasurer)	$0	$0	$0
Linda Ruethemann (Secretary)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Cindy Killen (Director)	$0	$0	$0
Brenda Welborn (Vice Chairman)	$0	$0	$0
Mike Jamison (Director)	$0	$0	$0
John Morris (Director)	$0	$0	$0

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990

Filed on Nov. 7, 2023

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Fiscal Year Ending Dec.
2021

Revenue

$50,956,352

Expenses

$43,481,121

Net Income

$7,475,231

Net Assets

$87,154,251

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$28,283,460	55.5%
Investment Income	$3,608,736	7.1%
Bond Proceeds	$0
Royalties	$104,184	0.2%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$255,174	0.5%
Net Inventory Sales	$0
Other Revenue	$18,704,798	36.7%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$2,465,604	5.7%
Professional Fundraising Fees	$0
Other Salaries and Wages	$15,195,512	34.9%

Assets/Debt
Total Assets	$1,107,599,442
Total Liabilities	$1,020,445,191
Net Assets	$87,154,251

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$432,264	$0	$45,009
Steven Thrasher (Vp Mortgage Lending)	$365,342	$0	$30,274
Joseph Sutton (Mortgage Loan Officer)	$269,424	$0	$30,862
Brett Tompkins (Mortgage Loan Officer)	$253,844	$0	$44,029
James Dismukes (Afs Program Manager)	$247,908	$0	$26,918
Stanton Davis (Chief Experience & Innovat)	$213,357	$0	$47,909
Brandon Watkins (Vp Card Services And Payments)	$212,966	$0	$12,382
William R Chancellor (Chief Lending Officer)	$212,770	$0	$61,037
Cynthia Sharp (Mortgage Loan Officer)	$209,634	$0	$27,863
Parker Steele (Chief Legal & Compliance O)	$202,597	$0	$31,717
Adrienne Breckenridge (Cheif Financial Officer)	$198,061	$0	$26,628
Eric Ham (Chief Information Officer)	$178,324	$0	$21,731
Randall Phillips (Vp Commercial Credit)	$162,091	$0	$22,932
Gayla Kuykendall (Sr Vice President Operations)	$132,408	$0	$40,828
Terry Davis (Chairman)	$0	$0	$0
Deborah Given (Treasurer)	$0	$0	$0
Linda Ruethemann (Secretary)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Cindy Killen (Director)	$0	$0	$0
Brenda Welborn (Vice Chairman)	$0	$0	$0
Nancy Morgan (Director)	$0	$0	$0
Mike Jamison (Director)	$0	$0	$0
John Morris (Director)	$0	$0	$0

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990

Filed on Nov. 8, 2022

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Fiscal Year Ending Dec.
2020

Revenue

$51,125,646

Expenses

$47,611,005

Net Income

$3,514,641

Net Assets

$85,017,196

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$28,286,142	55.3%
Investment Income	$3,913,487	7.7%
Bond Proceeds	$0
Royalties	$97,360	0.2%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$49,747	0.1%
Net Inventory Sales	$0
Other Revenue	$18,778,910	36.7%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,543,481	3.2%
Professional Fundraising Fees	$0
Other Salaries and Wages	$15,276,460	32.1%

Assets/Debt
Total Assets	$1,031,231,296
Total Liabilities	$946,214,100
Net Assets	$85,017,196

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$376,990	$0	$43,181
Steven Thrasher (Vp Mortgage Lending)	$366,433	$0	$28,025
Joseph Sutton (Mortgage Loan Officer)	$264,225	$0	$20,066
Brett Tompkins (Mortgage Loan Officer)	$259,258	$0	$19,116
Cynthia Sharp (Mortgage Loan Officer)	$227,917	$0	$22,869
William R Chancellor (Chief Lending Officer)	$207,672	$0	$48,469
Stanton Davis (Chief Experience & Innovat)	$206,116	$0	$42,754
James Dismukes (Afs Program Manager)	$193,126	$0	$46,114
Parker Steele (Chief Legal & Compliance O)	$189,286	$0	$32,999
Adrienne Breckenridge (Cheif Financial Officer)	$179,193	$0	$23,915
Alpesh Patel (Sr Vp Information Tech.)	$169,227	$0	$23,679
Terry Davis (Chairman)	$0	$0	$0
Deborah Given (Treasurer)	$0	$0	$0
Linda Ruethemann (Secretary)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Cindy Killen (Director)	$0	$0	$0
Brenda Welborn (Director)	$0	$0	$0
Nancy Morgan (Director)	$0	$0	$0
Mike Jamison (Director)	$0	$0	$0

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990

Filed on Oct. 19, 2021

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Fiscal Year Ending Dec.
2019

Revenue

$48,838,263

Expenses

$44,033,470

Net Income

$4,804,793

Net Assets

$82,882,561

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$28,600,437	58.6%
Investment Income	$3,946,223	8.1%
Bond Proceeds	$0
Royalties	$83,603	0.2%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$63,981	0.1%
Net Inventory Sales	$0
Other Revenue	$16,144,019	33.1%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,488,944	3.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$13,228,047	30.0%

Assets/Debt
Total Assets	$864,803,155
Total Liabilities	$781,920,594
Net Assets	$82,882,561

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$397,237	$0	$39,639
James Dismukes (Afs Program Manager)	$226,629	$0	$66,790
Steven Thrasher (Vp Mortgage Lending)	$218,795	$0	$23,764
William R Chancellor (Chief Lending Officer)	$199,929	$0	$34,904
Stanton Davis (Chief Experience & Innovat)	$193,110	$0	$32,585
Parker Steele (Chief Legal & Compliance O)	$183,145	$0	$28,141
Alpesh Patel (Sr Vp Information Tech.)	$168,942	$0	$26,825
Adrienne Breckenridge (Sr Vp Finance & Accounting)	$167,044	$0	$17,443
Randall Phillips (Vp Commercial Credit)	$150,580	$0	$28,859
Cynthia Sharp (Mortgage Loan Officer)	$125,512	$0	$16,280
Shannon Porter (Vp Consumer Lending)	$119,199	$0	$25,913
Calvin Nelson (Chairman)	$0	$0	$0
Robert Kirkland (Vice Chairman)	$0	$0	$0
Terry Davis (Treasurer)	$0	$0	$0
Linda Ruethemann (Secretary)	$0	$0	$0
Gary Cannady (Director)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Dennis Dearing (Director)	$0	$0	$0
Deborah Given (Director)	$0	$0	$0
Cindy Killen (Director)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Nancy Morgan (Director)	$0	$0	$0

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990

Filed on Sept. 28, 2020

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Fiscal Year Ending Dec.
2018

Revenue

$45,493,826

Expenses

$38,394,895

Net Income

$7,098,931

Net Assets

$77,055,210

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$26,207,817	57.6%
Investment Income	$3,172,339	7.0%
Bond Proceeds	$0
Royalties	$66,776	0.1%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	-$302,003
Net Inventory Sales	$0
Other Revenue	$16,348,897	35.9%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,715,587	4.5%
Professional Fundraising Fees	$0
Other Salaries and Wages	$11,572,766	30.1%

Assets/Debt
Total Assets	$785,422,344
Total Liabilities	$708,367,134
Net Assets	$77,055,210

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$386,647	$0	$37,330
James Dismukes (Afs Program Manager)	$230,690	$0	$23,732
Steven Thrasher (Vp Mortgage Lending)	$192,537	$0	$22,181
William R Chancellor (Chief Lending Officer)	$181,335	$0	$31,137
Parker Steele (Chief Legal & Compliance Officer)	$164,956	$0	$23,947
Stanton Davis (Chief Experience & Innovation Officer)	$164,107	$0	$33,265
Laurie Shook (Sr Vp Controller)	$155,194	$0	$35,512
Randall Phillips (Vp Commercial Credit)	$144,878	$0	$9,979
Kim Murdoch (Sr Vp Operations)	$144,577	$0	$30,635
Alpesh Patel (Sr Vp Information Tech.)	$143,171	$0	$27,877
Adrienne Breckenridge (Sr Vp Finance & Accounting)	$141,534	$0	$14,363
Cynthia Sharp (Mortgage Loan Officer)	$114,160	$0	$17,234
Shannon Porter (Vp Consumer Lending)	$111,526	$0	$21,672
Gary Cannady (Director)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Nancy Morgan (Director)	$0	$0	$0
Dennis Dearing (Director)	$0	$0	$0
Deborah Given (Director)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Terry Davis (Treasurer)	$0	$0	$0
Calvin Nelson (Chairman)	$0	$0	$0
Linda Ruethemann (Secretary)	$0	$0	$0
Andrew Austin (Director)	$0	$0	$0
Robert Kirkland (Vice Chairman)	$0	$0	$0
Cindy Killen (Director)	$0	$0	$0

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990

Filed on Nov. 8, 2019

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Fiscal Year Ending Dec.
2017

Revenue

$42,131,227

Expenses

$38,200,511

Net Income

$3,930,716

Net Assets

$74,465,505

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$24,259,421	57.6%
Investment Income	$3,205,520	7.6%
Bond Proceeds	$0
Royalties	$65,726	0.2%
Rental Property Income	$2,500	0.0%
Net Fundraising	$0
Sales of Assets	-$40,535
Net Inventory Sales	$0
Other Revenue	$14,638,595	34.7%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,579,577	4.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$10,661,206	27.9%

Assets/Debt
Total Assets	$745,748,118
Total Liabilities	$671,282,613
Net Assets	$74,465,505

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$375,895	$0	$56,765
James Dismukes (Afs Program Manager)	$182,606	$0	$40,453
Steven Thrasher (Avp/Mortgage Lending)	$181,512	$0	$22,712
William R Chancellor (Clo)	$172,467	$0	$36,336
Kim Murdoch (Sr Vp Operations)	$156,991	$0	$46,542
Parker Steele (Sr Vp/Legal Counsel)	$153,843	$0	$32,144
Laurie Shook (Sr Vp Controller)	$149,467	$0	$63,752
Stanton Davis (Sr Vp Marketing)	$148,875	$0	$23,645
Randall Phillips (Avp/Commercial Lending)	$140,039	$0	$8,286
Alpesh Patel (Sr Vp Information Technology)	$138,248	$0	$24,607
Cynthia Sharp (Mortgage Loan Officer)	$124,712	$0	$17,122
Thomas Triplett (Compliance Manager)	$105,516	$0	$14,931
Gary Cannady (Director)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Nancy Morgan (Secretary)	$0	$0	$0
Dennis Dearing (Director)	$0	$0	$0
Andrew Austin (Director)	$0	$0	$0
Deborah Given (Director)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Terry Davis (Treasurer)	$0	$0	$0
Calvin Nelson (Chairman)	$0	$0	$0
Linda Ruethemann (Director)	$0	$0	$0
Robert Kirkland (Vice Chairman)	$0	$0	$0
Cindy Killen (Director)	$0	$0	$0

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990

Filed on July 23, 2018

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Fiscal Year Ending Dec.
2016

Revenue

$39,108,253

Expenses

$35,812,853

Net Income

$3,295,400

Net Assets

$70,360,686

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$23,221,331	59.4%
Investment Income	$2,657,030	6.8%
Bond Proceeds	$0
Royalties	$88,093	0.2%
Rental Property Income	$73,403	0.2%
Net Fundraising	$0
Sales of Assets	-$210,569
Net Inventory Sales	$0
Other Revenue	$13,278,965	34.0%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,481,103	4.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$9,320,641	26.0%

Assets/Debt
Total Assets	$730,885,581
Total Liabilities	$660,524,895
Net Assets	$70,360,686

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$323,553	$0	$58,783
William R Chancellor (Sr Vp Lending & Collection)	$169,253	$0	$34,644
Kim Murdoch (Sr Vp Operations)	$155,265	$0	$44,201
Parker Steele (Vp/Legal Counsel)	$148,063	$0	$31,135
Laurie Shook (Sr Vp Controller)	$146,932	$0	$60,013
Stanton Davis (Vp Marketing)	$139,861	$0	$21,632
James Dismukes (Afs Program Manager)	$135,102	$0	$36,208
Alpesh Patel (Vp Information Technology)	$125,194	$0	$22,571
Steven Thrasher (Avp/Mortgage Lending)	$119,054	$0	$15,105
Thomas Triplett (Compliance Manager)	$103,634	$0	$14,940
Gary Cannady (Director)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Jim Gunn (Director)	$0	$0	$0
Nancy Morgan (Secretary)	$0	$0	$0
Dennis Dearing (Director)	$0	$0	$0
Andrew Austin (Director)	$0	$0	$0
Elbert Balch (Director)	$0	$0	$0
Deborah Given (Director)	$0	$0	$0
Tandy Key (Director Part Year)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Lowell Bryant (Director Part Year)	$0	$0	$0
Terry Davis (Treasurer)	$0	$0	$0
Calvin Nelson (Chairman)	$0	$0	$0
Linda Ruethemann (Director)	$0	$0	$0
Robert Kirkland (Vice Chairman)	$0	$0	$0

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990

Filed on Sept. 26, 2017

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Fiscal Year Ending Dec.
2015

Revenue

$33,048,216

Expenses

$29,614,672

Net Income

$3,433,544

Net Assets

$68,604,877

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$20,059,069	60.7%
Investment Income	$2,457,700	7.4%
Bond Proceeds	$0
Royalties	$30,720	0.1%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$256,092	0.8%
Net Inventory Sales	$0
Other Revenue	$10,244,635	31.0%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,502,588	5.1%
Professional Fundraising Fees	$0
Other Salaries and Wages	$7,564,823	25.5%

Assets/Debt
Total Assets	$618,353,010
Total Liabilities	$549,748,133
Net Assets	$68,604,877

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$334,732	$0	$74,350
James Dismukeb (Afs Program Manager)	$176,404	$0	$58,887
William R Chancellor (Sr Vp Lending & Collection)	$162,418	$0	$34,539
Kim Murdoch (Sr Vp Operations)	$151,008	$0	$44,252
Parker Steele (Vp/Legal Counsel)	$145,788	$0	$27,872
Laurie Shook (Sr Vp Controller)	$143,560	$0	$56,511
Justin Orr (Cio/Svp Information Techno)	$137,153	$0	$30,598
Stanton Davis (Vp Marketing)	$133,139	$0	$26,668
Alpesh Patel (Avp Information Technology)	$104,669	$0	$21,034
Thomas Triplett (Compliance Manager)	$101,001	$0	$2,373
Gary Cannady (Chairman)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Jim Gunn (Director)	$0	$0	$0
Nancy Morgan (Secretary)	$0	$0	$0
Dennis Dearing (Vice Chairman)	$0	$0	$0
Andrew Austin (Director)	$0	$0	$0
Elbert Balch (Director)	$0	$0	$0
Deborah Given (Director)	$0	$0	$0
Tandy Key (Director)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Lowell Bryant (Director)	$0	$0	$0
Terry Davis (Director)	$0	$0	$0
Calvin Nelson (Treasurer)	$0	$0	$0
Linda Ruethemann (Director)	$0	$0	$0
Robert Kirkland (Director)	$0	$0	$0

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990

Filed on Oct. 17, 2016

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

View Filing

Schedules ▼

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Fiscal Year Ending Dec.
2014

Revenue

$32,489,482

Expenses

$29,291,623

Net Income

$3,197,859

Net Assets

$65,884,680

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$19,687,490	60.6%
Investment Income	$2,510,327	7.7%
Bond Proceeds	$0
Royalties	$52,500	0.2%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$43,893	0.1%
Net Inventory Sales	$0
Other Revenue	$10,195,272	31.4%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,439,152	4.9%
Professional Fundraising Fees	$0
Other Salaries and Wages	$7,072,428	24.1%

Assets/Debt
Total Assets	$602,474,262
Total Liabilities	$536,589,582
Net Assets	$65,884,680

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$299,981	$0	$77,828
Brad Dismukes (Member's Financial Rep)	$197,384	$0	$59,651
William R Chancellor (Sr Vp Lending & Collection)	$153,527	$0	$37,845
Kim Murdoch (Sr Vp Operations)	$144,442	$0	$43,523
Parker Steele (Vp/Legal Counsel)	$139,711	$0	$29,699
Laurie Shook (Sr Vp Controller)	$137,053	$0	$58,341
Justin Orr (Cio/Svp Information Techno)	$130,312	$0	$27,731
Stanton Davis (Vp Marketing)	$128,483	$0	$30,676
Gary Cannady (Treasurer)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Jim Gunn (Director)	$0	$0	$0
Nancy Morgan (Secretary)	$0	$0	$0
Dennis Dearing (Vice Chairman)	$0	$0	$0
Andrew Austin (Director)	$0	$0	$0
Elbert Balch (Chairman)	$0	$0	$0
Deborah Given (Director)	$0	$0	$0
Tandy Key (Director)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Lowell Bryant (Director)	$0	$0	$0
Terry Davis (Director)	$0	$0	$0
Calvin Nelson (Director)	$0	$0	$0
Linda Ruethemann (Director)	$0	$0	$0
Robert Kirkland (Director)	$0	$0	$0

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990

Filed on Aug. 17, 2015

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

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Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2013

Revenue

$32,044,415

Expenses

$28,310,961

Net Income

$3,733,454

Net Assets

$63,841,189

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$19,866,084	62.0%
Investment Income	$1,972,852	6.2%
Bond Proceeds	$0
Royalties	$25,057	0.1%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$375,433	1.2%
Net Inventory Sales	$0
Other Revenue	$9,804,989	30.6%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,365,788	4.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$6,611,287	23.4%

Assets/Debt
Total Assets	$599,008,780
Total Liabilities	$535,167,591
Net Assets	$63,841,189

Compensation

Key Employees and Officers	Compensation	Related	Other
Linda Cencula (Ceo)	$277,294	$0	$37,484
Brad Dismukes (Member's Financial Rep)	$152,902	$0	$29,627
William R Chancellor (Sr Vp Lending & Collection)	$152,634	$0	$35,689
Kim Murdoch (Sr Vp Operations)	$142,481	$0	$41,650
Parker Steele (Vp/Legal Counsel)	$137,931	$0	$29,300
Laurie Shook (Sr Vp Controller)	$136,963	$0	$59,879
Justin Orr (Cio/Svp Information Technol)	$128,780	$0	$28,809
Stanton Davis (Vp Marketing)	$126,652	$0	$30,241
Gary Cannady (Chairman)	$0	$0	$0
Keith Milling (Director)	$0	$0	$0
Jim Gunn (Treasurer)	$0	$0	$0
Nancy Morgan (Secretary)	$0	$0	$0
Dennis Dearing (Vice Chairman)	$0	$0	$0
Andrew Austin (Director)	$0	$0	$0
Lloyd Nix (Director)	$0	$0	$0
Deborah Given (Director)	$0	$0	$0
A M Robertson (Director)	$0	$0	$0
Roland Coburn (Director)	$0	$0	$0
Lowell Bryant (Director)	$0	$0	$0
Terry Davis (Director)	$0	$0	$0
Calvin Nelson (Director)	$0	$0	$0
Linda Ruethemann (Director)	$0	$0	$0
Robert Kirkland (Director)	$0	$0	$0

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990

Filed on Oct. 28, 2014

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

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Schedules ▼

PDF XML

Fiscal Year Ending Dec.
2012

Revenue

$32,919,210

Expenses

$28,511,246

Net Income

$4,407,964

Net Assets

$59,943,025

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$20,058,510	60.9%
Investment Income	$2,829,664	8.6%
Bond Proceeds	$0
Royalties	$24,762	0.1%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$518,491	1.6%
Net Inventory Sales	$0
Other Revenue	$9,487,783	28.8%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,090,378	3.8%
Professional Fundraising Fees	$0
Other Salaries and Wages	$6,432,953	22.6%

Assets/Debt
Total Assets	$595,515,946
Total Liabilities	$535,572,921
Net Assets	$59,943,025

990

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

PDF

Fiscal Year Ending Dec.
2011

Revenue

$33,396,219

Expenses

$29,965,437

Net Income

$3,430,782

Net Assets

$55,798,990

Notable Sources of Revenue		Percent of Total Revenue
Contributions	$0
Program Services	$21,125,327	63.3%
Investment Income	$3,053,588	9.1%
Bond Proceeds	$0
Royalties	$19,128	0.1%
Rental Property Income	$0
Net Fundraising	$0
Sales of Assets	$138,517	0.4%
Net Inventory Sales	$0
Other Revenue	$9,059,659	27.1%

Notable Expenses		Percent of Total Expenses
Executive Compensation	$1,010,088	3.4%
Professional Fundraising Fees	$0
Other Salaries and Wages	$6,259,508	20.9%

Assets/Debt
Total Assets	$578,574,362
Total Liabilities	$522,775,372
Net Assets	$55,798,990

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.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

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.

Updated December 20, 2024

Avadian Credit Union

Organization summary

Type of Nonprofit

Summary charts: organization finances over time

Revenue $76.9M (2023)

Expenses $69.9M (2023)

Total Assets $1.35B (2023)

Total Liabilities $1.26B (2023)

Tax Filings by Year

Fiscal Year Ending Dec. 2023

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2022

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2021

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2020

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2019

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2018

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2017

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2016

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2015

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2014

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

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990

Fiscal Year Ending Dec. 2013

Extracted Financial Data

Extracted Financial Data from Form 990

Compensation

Document Links

990

Fiscal Year Ending Dec. 2012

Extracted Financial Data

Extracted Financial Data from Form 990

Document Links

990

Revenue

$76.9M (2023)

Expenses

$69.9M (2023)

Total Assets

$1.35B (2023)

Total Liabilities

$1.26B (2023)

Fiscal Year Ending Dec.
2023

Fiscal Year Ending Dec.
2022

Fiscal Year Ending Dec.
2021

Fiscal Year Ending Dec.
2020

Fiscal Year Ending Dec.
2019

Fiscal Year Ending Dec.
2018

Fiscal Year Ending Dec.
2017

Fiscal Year Ending Dec.
2016

Fiscal Year Ending Dec.
2015

Fiscal Year Ending Dec.
2014

Fiscal Year Ending Dec.
2013

Fiscal Year Ending Dec.
2012

Fiscal Year Ending Dec.
2011

Fiscal Year Ending Dec.
2010

Fiscal Year Ending Dec.
2009

Fiscal Year Ending Dec.
2008

Fiscal Year Ending Dec.
2007

Fiscal Year Ending Dec.
2006