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Eco Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$9.09M (2023)

Expenses
$7.58M (2023)

Total Assets
$201M (2023)

Total Liabilities
$192M (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

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,085,732
Expenses
$7,575,494
Net Income
$1,510,238
Net Assets
$9,050,412
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,578,659
61.4%
Investment Income $2,150,107
23.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,356,966
14.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $2,209,163
29.2%
Assets/Debt
Total Assets $201,054,027
Total Liabilities $192,003,615
Net Assets $9,050,412
Compensation
Key Employees and Officers Compensation Related Other
Joseph Hand (Ceo) $304,958 $0 $28,468
Shelia Dembowski (Board Member) $0 $0 $0
Harold Gray (Board Chair) $0 $0 $0
Julie Kelly (Board Treasu) $0 $0 $0
Jonathan Lemsky (Board Member) $0 $0 $0
Jerry Mitchell (Board Member) $0 $0 $0
Jimmie Pearson (Board Vicech) $0 $0 $0
Allyson Edwards (Supervisory) $0 $0 $0
Billy Joe Hughes (Supervisory) $0 $0 $0
Randy Mccarty (Supervisory) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,754,194
Expenses
$6,649,920
Net Income
$1,104,274
Net Assets
$6,918,823
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,193,394
67.0%
Investment Income $1,398,898
18.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,161,902
15.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $2,018,228
30.3%
Assets/Debt
Total Assets $186,172,963
Total Liabilities $179,254,140
Net Assets $6,918,823
Compensation
Key Employees and Officers Compensation Related Other
Joseph Hand (Ceo) $276,132 $0 $44,766
Shelia Dembowski (Board Member) $0 $0 $0
Harold Gray (Board Vice C) $0 $0 $0
Julie Kelly (Board Member) $0 $0 $0
Jonathan Lemsky (Board Member) $0 $0 $0
Kay Lindsey (Board Member) $0 $0 $0
Jerry Mitchell (Board Chair) $0 $0 $0
Jimmie Pearson (Bod Secretar) $0 $0 $0
Allyson Edwards (Supervisory) $0 $0 $0
Billy Joe Hughes (Supervisory) $0 $0 $0
Randy Mccarty (Supervisory) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,547,136
Expenses
$5,767,969
Net Income
$1,779,167
Net Assets
$15,344,722
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,547,136
100%
Investment Income $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 $577,068
10.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,235,367
21.4%
Assets/Debt
Total Assets $187,884,349
Total Liabilities $172,539,627
Net Assets $15,344,722
Compensation
Key Employees and Officers Compensation Related Other
Joseph R Hand (Chief Executive Officer) $276,044 $0 $23,466
Jeffrey C Jones (Chief Information Officer) $130,561 $0 $13,833
Keith S Shep Lowery (Chief Financial Officer Former) $114,326 $0 $18,838
Jimmie Pearson (Board Member) $0 $0 $0
Kay Lindsey (Board Member) $0 $0 $0
Sheila Dembowski (Board Chairperson) $0 $0 $0
Julie Kelly (Board Member) $0 $0 $0
Dr Jerry Mitchell (Board Vice Chairperson) $0 $0 $0
Harold Gray (Board Secretary/Treasurer) $0 $0 $0
Allyson Edwards (Supervisory Committee Chairman) $0 $0 $0
Randy Mccarty (Supervisory Committee) $0 $0 $0
Billy Joe Hughes (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,963,589
Expenses
$5,938,680
Net Income
$1,024,909
Net Assets
$15,386,791
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,963,589
100%
Investment Income $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 $772,222
13.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,382,785
23.3%
Assets/Debt
Total Assets $170,130,913
Total Liabilities $154,744,122
Net Assets $15,386,791
Compensation
Key Employees and Officers Compensation Related Other
Joseph R Hand (Chief Executive Officer) $216,178 $0 $167,766
Jeffrey C Jones (Chief Information Officer) $109,696 $0 $59,185
Keith S Shep Lowery (Chief Financial Officer) $107,744 $0 $39,828
Kenneth R Minton (Chief Operating Officer) $65,019 $0 $6,806
Jimmie Pearson (Director Secretary/Treasurer) $0 $0 $0
Kay Lindsey (Director Chairperson) $0 $0 $0
Sheila Dembowski (Director Vice Chairperson) $0 $0 $0
Julie Kelly (Director) $0 $0 $0
Dr Jerry Mitchell (Director) $0 $0 $0
Harold Gray (Director) $0 $0 $0
Allyson Edwards (Supervisory Committee Chai) $0 $0 $0
Randy Mccarty (Supervisory Committee) $0 $0 $0
Billy Joe Hughes (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,957,227
Expenses
$6,276,253
Net Income
$680,974
Net Assets
$13,985,714
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,957,227
100%
Investment Income $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 $626,578
10.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,209,930
19.3%
Assets/Debt
Total Assets $144,668,392
Total Liabilities $130,682,678
Net Assets $13,985,714
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Joseph R Hand (Chief Executive Officer) $214,627 $0 $22,562
Kenneth R Minton (Chief Operating Officer) $127,904 $0 $13,106
Jeffrey C Jones (Chief Information Officer) $112,295 $0 $11,085
Keith S Shep Lowery (Chief Financial Officer) $104,935 $0 $20,064
Jimmie Pearson (Director Chairperson) $0 $0 $0
Kay Lindsey (Director Secretary/Treas) $0 $0 $0
Sheila Dembowski (Director) $0 $0 $0
Julie Kelly (Director Vice Chairperso) $0 $0 $0
Dr Eddie Pruden (Director) $0 $0 $0
Dr Jerry Mitchell (Director) $0 $0 $0
Harold Gray (Director) $0 $0 $0
Allyson Edwards (Supervisory Committee Chai) $0 $0 $0
Randy Mccarty (Supervisory Committee) $0 $0 $0
Billy Joe Hughes (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,027,596
Expenses
$6,121,629
Net Income
$905,967
Net Assets
$12,042,427
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,027,596
100%
Investment Income $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 $589,012
9.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,157,204
18.9%
Assets/Debt
Total Assets $141,452,420
Total Liabilities $129,409,993
Net Assets $12,042,427
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Joseph R Hand (Chief Executive Officer) $208,154 $0 $20,217
Kenneth R Minton (Chief Operating Officer) $122,329 $0 $10,857
Jeffrey C Jones (Chief Information Officer) $108,010 $0 $7,983
Keith S Shep Lowery (Chief Financial Officer) $102,352 $0 $9,110
Jimmie Pearson (Director Chairperson) $0 $0 $0
Kay Lindsey (Director Secretary/Treasurer) $0 $0 $0
Sheila Dembowski (Director) $0 $0 $0
Julie Kelly (Director Vice Chairperson) $0 $0 $0
Dr Eddie Pruden (Director) $0 $0 $0
Dr Jerry Mitchell (Director) $0 $0 $0
Harold Gray (Director) $0 $0 $0
Allyson Edwards (Supervisory Committee Chairperson) $0 $0 $0
Randy Mccarty (Supervisory Committee) $0 $0 $0
Billy Joe Hughes (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,498,783
Expenses
$5,974,420
Net Income
$524,363
Net Assets
$11,992,909
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,498,783
100%
Investment Income $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 $601,235
10.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,167,248
19.5%
Assets/Debt
Total Assets $138,308,404
Total Liabilities $126,315,495
Net Assets $11,992,909
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Joey Hand (Chief Executive Officer) $188,701 $0 $22,395
Kenny Minton (Chief Operating Officer) $108,963 $0 $11,879
Jeff Jones (Chief Information Officer) $96,530 $0 $9,268
Shep Lowery (Chief Financial Officer) $90,681 $0 $7,938
Jamie Hatcher (Vp Compliance & Hr) $57,649 $0 $7,230
Jimmie Pearson (Director Vice Chair) $0 $0 $0
Kay Lindsey (Director) $0 $0 $0
Sheila Dembowski (Director) $0 $0 $0
Julie Kelly (Director) $0 $0 $0
Eddie Pruden (Director) $0 $0 $0
Jerry Mitchell (Director) $0 $0 $0
Harold Gray (Director Chair) $0 $0 $0
Allyson Edwards (Supervisory Committee Chai) $0 $0 $0
Randy Mccarty (Supervisory Committee) $0 $0 $0
Billy Joe Hughes (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,358,593
Expenses
$5,844,797
Net Income
$513,796
Net Assets
$11,280,662
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,358,593
100%
Investment Income $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 $498,805
8.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,141,639
19.5%
Assets/Debt
Total Assets $131,604,093
Total Liabilities $120,323,431
Net Assets $11,280,662
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Joey Hand (Chief Executive Officer) $162,527 $0 $20,744
Kenny Minton (Chief Operating Officer) $102,870 $0 $11,062
Jeff Jones (Chief Information Officer) $95,025 $0 $8,718
Shep Lowery (Chief Financial Officer) $90,181 $0 $7,678
Jimmie Pearson (Director Vice Chair) $0 $0 $0
Kay Lindsey (Director) $0 $0 $0
Sheila Dembowski (Director) $0 $0 $0
Julie Kelly (Director) $0 $0 $0
Eddie Pruden (Director) $0 $0 $0
Jerry Mitchell (Director) $0 $0 $0
Harold Gray (Director Chair) $0 $0 $0
Allyson Edwards (Supervisory Committee Chai) $0 $0 $0
Randy Mccarty (Supervisory Committee) $0 $0 $0
Billy Joe Hughes (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,833,904
Expenses
$5,381,508
Net Income
$452,396
Net Assets
$11,722,419
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,833,904
100%
Investment Income $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 $472,955
8.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,158,703
21.5%
Assets/Debt
Total Assets $129,121,088
Total Liabilities $117,398,669
Net Assets $11,722,419
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Joey Hand (Chief Executive Officer) $158,272 $0 $18,382
Kenny Minton (Chief Operating Officer) $93,180 $0 $10,204
Jeff Jones (Chief Information Officer) $91,876 $0 $8,321
Shep Lowery (Chief Financial Officer) $85,563 $0 $7,157
Jimmie Pearson (Director) $0 $0 $0
Kay Lindsey (Director) $0 $0 $0
Sheila Dembowski (Director) $0 $0 $0
Julie Kelly (Director) $0 $0 $0
Eddie Pruden (Director) $0 $0 $0
Jerry Mitchell (Director Chairman) $0 $0 $0
Harold Gray (Director Vice Chair) $0 $0 $0
Allyson Edwards (Supervisory Committee Chai) $0 $0 $0
Randy Mccarty (Supervisory Committee) $0 $0 $0
Billy Joe Hughes (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,766,717
Expenses
$5,376,514
Net Income
$390,203
Net Assets
$11,655,911
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,766,717
100%
Investment Income $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 $464,758
8.6%
Professional Fundraising Fees $0
Other Salaries and Wages $1,169,302
21.7%
Assets/Debt
Total Assets $125,233,709
Total Liabilities $113,577,798
Net Assets $11,655,911
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Joey Hand (Chief Executive Officer) $153,850 $0 $21,433
Kenny Minton (Chief Operating Officer) $90,379 $0 $10,110
Jeff Jones (Chief Information Officer) $90,184 $0 $8,432
Shep Lowery (Chief Financial Officer) $83,020 $0 $7,350
Jimmie Pearson (Director) $0 $0 $0
Kay Lindsey (Director) $0 $0 $0
Sheila Dembowski (Director) $0 $0 $0
Julie Kelly (Director) $0 $0 $0
Eddie Pruden (Director Chairman) $0 $0 $0
Jerry Mitchell (Director Vice Chairman) $0 $0 $0
Harold Gray (Director Treasurer) $0 $0 $0
Allyson Edwards (Supervisory Committee Chair) $0 $0 $0
Randy Mccarty (Supervisory Committee) $0 $0 $0
Billy Joe Hughes (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,700,980
Expenses
$5,563,612
Net Income
$137,368
Net Assets
$8,967,500
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,700,980
100%
Investment Income $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 $446,074
8.0%
Professional Fundraising Fees $0
Other Salaries and Wages $1,157,559
20.8%
Assets/Debt
Total Assets $119,384,778
Total Liabilities $110,417,278
Net Assets $8,967,500
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Joey Hand (Chief Executive Officer) $148,027 $0 $19,398
Kenny Minton (Chief Operating Officer) $87,252 $0 $9,757
Jeff Jones (Chief Information Officer) $86,857 $0 $8,113
Shep Lowery (Chief Financial Officer) $79,918 $0 $6,752
Jimmie Pearson (Director) $0 $0 $0
Kay Lindsey (Director Chairperson) $0 $0 $0
Sheila Dembowski (Director Vice Chair) $0 $0 $0
Julie Kelly (Director) $0 $0 $0
Eddie Pruden (Director Treasurer) $0 $0 $0
Jerry Mitchell (Director) $0 $0 $0
Harold Gray (Director) $0 $0 $0
Allyson Edwards (Supervisory Committee Chai) $0 $0 $0
Randy Mccarty (Supervisory Committee) $0 $0 $0
Billy Joe Hughes (Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,968,334
Expenses
$5,903,696
Net Income
$64,638
Net Assets
$12,031,908
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,968,334
100%
Investment Income $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 $438,626
7.4%
Professional Fundraising Fees $0
Other Salaries and Wages $1,094,814
18.5%
Assets/Debt
Total Assets $119,044,644
Total Liabilities $107,012,736
Net Assets $12,031,908

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,313,489
Expenses
$6,131,522
Net Income
$181,967
Net Assets
$12,377,402
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,313,489
100%
Investment Income $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 $422,784
6.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,098,163
17.9%
Assets/Debt
Total Assets $113,561,770
Total Liabilities $101,184,368
Net Assets $12,377,402

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

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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