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Credit Unions In The State Of Alabama

Oneal

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
$85.4k (2021)

Expenses
$88k (2021)

Total Assets
$2.5M (2021)

Total Liabilities
$1.86M (2021)

Source: Form 990 tax filings from 2011 to 2021

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.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$85,359
Expenses
$87,979
Net Income
-$2,620
Net Assets
$643,074
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $83,275
97.6%
Investment Income $1,517
1.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $567
0.7%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $47,210
53.7%
Assets/Debt
Total Assets $2,500,848
Total Liabilities $1,857,774
Net Assets $643,074
Compensation
Key Employees and Officers Compensation Related Other
Debra York (Treasurer/Ma) $47,210 $0 $7,963
Richard Phillips (Chairman) $0 $0 $0
Shea Kennedy (Vice Chairma) $0 $0 $0
Theresa Ratliff (Secretary) $0 $0 $0
Joseph Kolaczek (Board Member) $0 $0 $0
Mike Loiacona (Supervisory) $0 $0 $0
Ryan Campbell (Supervisory) $0 $0 $0
Melissa Martin (Supervisory) $0 $0 $0
Sherry Wallace (Credit Comm) $0 $0 $0
Steve Holley (Credit Comm) $0 $0 $0
Duane Wells (Credit Comm) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$98,040
Expenses
$92,473
Net Income
$5,567
Net Assets
$645,694
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $94,355
96.2%
Investment Income $3,102
3.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $583
0.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $45,288
49.0%
Assets/Debt
Total Assets $2,389,118
Total Liabilities $1,743,424
Net Assets $645,694
Compensation
Key Employees and Officers Compensation Related Other
Debra York (Treasurer/Ma) $45,288 $0 $14,899
Richard Phillips (Chairman) $0 $0 $0
Shea Kennedy (Vice Chairma) $0 $0 $0
Theresa Ratliff (Secretary) $0 $0 $0
Joseph Kolaczek (Board Member) $0 $0 $0
Mike Loiacona (Supervisory) $0 $0 $0
Ryan Campbell (Supervisory) $0 $0 $0
Melissa Martin (Supervisory) $0 $0 $0
Sherry Wallace (Credit Comm) $0 $0 $0
Steve Holley (Credit Comm) $0 $0 $0
Duane Wells (Credit Comm) $0 $0 $0

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Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$115,338
Expenses
$98,115
Net Income
$17,223
Net Assets
$640,127
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $97,106
84.2%
Investment Income $17,556
15.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $676
0.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $46,731
47.6%
Assets/Debt
Total Assets $2,385,656
Total Liabilities $1,745,529
Net Assets $640,127
Compensation
Key Employees and Officers Compensation Related Other
Debra York (Treasurer/Ma) $61,943 $0 $0
Richard Phillips (Chairman) $0 $0 $0
Shea Kennedy (Vice Chairma) $0 $0 $0
Theresa Ratliff (Secretary) $0 $0 $0
Joseph Kolaczek (Board Member) $0 $0 $0
Mike Loiacona (Supervisory) $0 $0 $0
Russell Bagby (Supervisory) $0 $0 $0
Melissa Martin (Supervisory) $0 $0 $0
Sherry Wallace (Credit Comm) $0 $0 $0
Steve Holley (Credit Comm) $0 $0 $0
Duane Wells (Credit Comm) $0 $0 $0

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Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$116,792
Expenses
$96,755
Net Income
$20,037
Net Assets
$622,904
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $98,667
84.5%
Investment Income $15,997
13.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,128
1.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $44,472
46.0%
Assets/Debt
Total Assets $2,573,859
Total Liabilities $1,950,955
Net Assets $622,904
Compensation
Key Employees and Officers Compensation Related Other
Debra York (Treasurer/Ma) $44,471 $0 $7,302
Richard Phillips (Chairman) $0 $0 $0
Shea Kennedy (Vice Chairma) $0 $0 $0
Theresa Ratliff (Secretary) $0 $0 $0
Joseph Kolaczek (Board Member) $0 $0 $0
Mike Loiacona (Supervisory) $0 $0 $0
Russell Bagby (Supervisory) $0 $0 $0
Melissa Martin (Supervisory) $0 $0 $0
Sherry Wallace (Credit Comm) $0 $0 $0
Steve Holley (Credit Comm) $0 $0 $0
Michael Symasek (Credit Comm) $0 $0 $0

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Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$108,368
Expenses
$108,368
Net Income
$0
Net Assets
$602,867
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $98,899
91.3%
Investment Income $8,771
8.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $698
0.6%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $43,095
39.8%
Assets/Debt
Total Assets $2,524,729
Total Liabilities $1,921,862
Net Assets $602,867
Compensation
Key Employees and Officers Compensation Related Other
Debra York (Treasurer/Ma) $43,095 $0 $18,380
Richard Phillips (Chairman) $0 $0 $0
Shea Kennedy (Vice Chairma) $0 $0 $0
Theresa Ratliff (Secretary) $0 $0 $0
Joseph Kolaczek (Board Member) $0 $0 $0
Mike Loiacona (Supervisory) $0 $0 $0
Russell Bagby (Supervisory) $0 $0 $0
Melissa Martin (Supervisory) $0 $0 $0
Sherry Wallace (Credit Comm) $0 $0 $0
Steve Holley (Credit Comm) $0 $0 $0
Michael Symasek (Credit Comm) $0 $0 $0

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Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$109,575
Expenses
$95,059
Net Income
$14,516
Net Assets
$602,866
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $102,677
93.7%
Investment Income $6,297
5.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $601
0.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $41,112
43.2%
Assets/Debt
Total Assets $2,440,056
Total Liabilities $1,837,190
Net Assets $602,866
Compensation
Key Employees and Officers Compensation Related Other
Debra York (Treasurer/Ma) $41,112 $0 $19,978
Richard Phillips (Chairman) $0 $0 $0
Shea Kennedy (Vice Chairma) $0 $0 $0
Theresa Ratliff (Secretary) $0 $0 $0
Joseph Kolaczek (Board Member) $0 $0 $0
Mike Loiacona (Supervisory) $0 $0 $0
Russell Bagby (Supervisory) $0 $0 $0
Melissa Martin (Supervisory) $0 $0 $0
Sherry Wallace (Credit Comm) $0 $0 $0
Steve Holley (Credit Comm) $0 $0 $0
Michael Symasek (Credit Comm) $0 $0 $0

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Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$125,945
Expenses
$117,489
Net Income
$8,456
Net Assets
$588,350
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $118,308
93.9%
Investment Income $5,755
4.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,882
1.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $40,586
34.5%
Assets/Debt
Total Assets $2,520,426
Total Liabilities $1,932,076
Net Assets $588,350
Compensation
Key Employees and Officers Compensation Related Other
Debra York (Treasurer/Ma) $40,586 $0 $19,262
Richard Phillips (Chairman) $0 $0 $0
Delana Frazier (Vice Chair) $0 $0 $0
Theresa Ratliff (Secretary) $0 $0 $0
Joseph Kolaczek (Board Member) $0 $0 $0
Mike Loiacona (Supervisory) $0 $0 $0
Shea Kennedy (Supervisory) $0 $0 $0
Melissa Martin (Supervisory) $0 $0 $0
Sherry Wallace (Credit Comm) $0 $0 $0
Steve Holley (Credit Comm) $0 $0 $0
Michael Symasek (Credit Comm) $0 $0 $0

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Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$122,482
Expenses
$98,064
Net Income
$24,418
Net Assets
$579,894
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $115,798
94.5%
Investment Income $4,848
4.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,836
1.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $38,289
39.0%
Assets/Debt
Total Assets $2,627,800
Total Liabilities $2,047,906
Net Assets $579,894
Compensation
Key Employees and Officers Compensation Related Other
Debra York (Treasurer/Ma) $38,289 $0 $18,716
Richard Phillips (Board Chairp) $0 $0 $0
Delana Frazier (Board Vice C) $0 $0 $0
Theresa Ratliff (Secretary) $0 $0 $0
Joseph Kolaczek (Board Member) $0 $0 $0
Mike Loiacona (Supervisory) $0 $0 $0
Shea Kennedy (Supervisory) $0 $0 $0
Melissa Martin (Supervisory) $0 $0 $0
Sherry Wallace (Credit Comm) $0 $0 $0
Steve Holley (Credit Comm) $0 $0 $0
Michael Symasek (Credit Comm) $0 $0 $0

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Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$126,341
Expenses
$99,673
Net Income
$26,668
Net Assets
$555,011
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $122,179
96.7%
Investment Income $3,792
3.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $370
0.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $36,903
37.0%
Assets/Debt
Total Assets $2,676,532
Total Liabilities $2,121,521
Net Assets $555,011
Compensation
Key Employees and Officers Compensation Related Other
Debra York (Treasurer/Ma) $36,903 $0 $17,426
Delana Frazier (Board Vice C) $0 $0 $0
Joseph Kolaczek (Board Member) $0 $0 $0
Richard Phillips (Board Chairp) $0 $0 $0
Theresa Ratliff (Secretary) $0 $0 $0
Steve Holley (Credit Comm) $0 $0 $0
Shea Kennedy (Supervisory) $0 $0 $0
Mike Loiacona (Supervisory) $0 $0 $0
Morris Neeb (Supervisor C) $0 $0 $0
Michael Symasek (Credit Comm) $0 $0 $0
Sherry Wallace (Credit Comm) $0 $0 $0

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Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$132,572
Expenses
$110,719
Net Income
$21,853
Net Assets
$528,342
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $128,741
97.1%
Investment Income $3,831
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $36,858
33.3%
Assets/Debt
Total Assets $2,875,319
Total Liabilities $2,346,977
Net Assets $528,342

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$138,186
Expenses
$136,000
Net Income
$2,186
Net Assets
$506,489
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $133,515
96.6%
Investment Income $4,671
3.4%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $34,785
25.6%
Assets/Debt
Total Assets $2,659,973
Total Liabilities $2,153,484
Net Assets $506,489

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

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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