Nonprofit · EIN 63-0207315
AVADIAN CREDIT UNION
Tax-exempt · HOOVER, AL 35244
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $89,963,312 | $85,268,656 | $4,694,656 | $1,391,962,865 | $1,288,833,534 | $103,129,331 |
| December 31, 2023 | 990 | $76,914,615 | $69,931,799 | $6,982,816 | $1,352,204,641 | $1,259,103,995 | $93,100,646 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $63,166,191
- Investment income
- $7,873,412
- Royalties
- $124,832
- Net gain from sales of assets
- -$3,095
- Other revenue
- $18,923,709
Expenses
- Grants and similar amounts paid
- $66,500
- Compensation of officers, directors and key employees
- $2,725,240
- Other salaries and wages
- $19,128,576
- Salaries, compensation and benefits (total)
- $26,419,399
- Professional fundraising fees
- $0
- Legal fees
- $78,653
- Accounting fees
- $307,900
- Occupancy
- $1,818,605
- Travel
- $297,998
- Depreciation
- $2,392,017
Balance sheet and other
- Total assets, start of year
- $1,352,204,641
- Total assets, end of year
- $1,391,962,865
- Total liabilities, end of year
- $1,288,833,534
- Net assets, end of year
- $103,129,331
- Land, buildings and equipment
- $35,709,746
- Publicly traded securities
- $128,925,718
- Gross unrelated business income
- $47,334
- Gross receipts
- $105,703,256
- Employees
- 340
- Volunteers
- 15
- Year formed
- 1934
- State of legal domicile
- AL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LINDA CENCULA | CEO Officer | 48 | $481,269 | $26,286 |
| JAMES DISMUKES | AFS PROGRAM MANAGER Highest-paid employee | 48 | $318,939 | $39,931 |
| GAYLA KUYKENDALL | SR VICE PRESIDENT OPERATIO Officer | 48 | $208,866 | $138,595 |
| WILLIAM R CHANCELLOR | CHIEF LENDING OFFICER Officer | 48 | $250,510 | $82,421 |
| ADRIENNE BRECKENRIDGE | CHIEF FINANCIAL OFFICER Officer | 48 | $248,703 | $38,875 |
| PARKER STEELE | CHIEF LEGAL & COMPLIANCE O Officer | 48 | $245,630 | $39,643 |
| ERIC HAM | CHIEF INFORMATION OFFICER Officer | 48 | $243,913 | $35,139 |
| JEFFREY SKIPPER | SENIOR VP OF MARKETING & D Officer | 48 | $207,523 | $35,693 |
| STEVEN THRASHER | ASSISTANT VP MORTGAGE LEND Highest-paid employee | 48 | $211,516 | $27,740 |
| DONNAMARIE TYLER | SENIOR VP OF DEPOSITS AND Officer | 48 | $218,575 | $12,348 |
| JEREMY MALONE | PRESIDENT/CHIEF EXECUTIVE OFFICER Officer | 48 | $190,515 | $20,734 |
| RANDALL PHILLIPS | VP COMMERCIAL CREDIT Highest-paid employee | 48 | $174,623 | $33,777 |
| BRANDON WATKINS | VP CARD SERVICES AND PAYME Highest-paid employee | 48 | $188,905 | $10,943 |
| LARRY UPTAIN | COMMERCIAL LOAN MANAGER Highest-paid employee | 48 | $178,331 | $17,288 |
| TERRY DAVIS | CHAIRMAN Trustee or director | 1 | $0 | $0 |
10 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| BRENDA WELBORN | VICE CHAIRMAN Trustee or director | 1 | $0 |
| DEBORAH GIVEN | TREASURER Trustee or director | 1 | $0 |
| LINDA RUETHEMANN | SECRETARY Trustee or director | 1 | $0 |
| BILL HILYER | DIRECTOR Trustee or director | 1 | $0 |
| BRIAN WILSON | DIRECTOR Trustee or director | 1 | $0 |
| CINDY KILLEN | DIRECTOR Trustee or director | 1 | $0 |
| KEITH MILLING | DIRECTOR Trustee or director | 1 | $0 |
| MATTHEW GOLDEN | DIRECTOR Trustee or director | 1 | $0 |
| MICHAEL MCGRAW | DIRECTOR Trustee or director | 1 | $0 |
| REGGIE JURAN | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 23 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LINDA CENCULA | CEO Officer | 48 | $479,703 | $108,898 |
| JAMES DISMUKES | AFS PROGRAM MANAGER Highest-paid employee | 48 | $239,226 | $103,350 |
| GAYLA KUYKENDALL | SR VICE PRESIDENT OPERATIO Officer | 48 | $197,874 | $136,730 |
| WILLIAM R CHANCELLOR | CHIEF LENDING OFFICER Officer | 48 | $239,706 | $58,940 |
| PARKER STEELE | CHIEF LEGAL & COMPLIANCE O Officer | 48 | $235,349 | $43,538 |
| ERIC HAM | CHIEF INFORMATION OFFICER Officer | 48 | $233,827 | $34,673 |
| ADRIENNE BRECKENRIDGE | CHIEF FINANCIAL OFFICER Officer | 48 | $237,869 | $29,726 |
| BRANDON WATKINS | VP CARD SERVICES AND PAYME Highest-paid employee | 48 | $227,590 | $12,790 |
| STEVEN THRASHER | ASSISTANT VP MORTGAGE LENDING Highest-paid employee | 48 | $202,832 | $27,121 |
| JEFFREY SKIPPER | SENIOR VP OF MARKETING & DIGITAL SERVICES Officer | 48 | $178,790 | $32,832 |
| DONNAMARIE TYLER | SENIOR VP OF DEPOSITS AND RETAIL STRATEGY Officer | 48 | $193,189 | $10,942 |
| RANDALL PHILLIPS | VP COMMERCIAL CREDIT Highest-paid employee | 48 | $168,862 | $32,272 |
| LARRY UPTAIN | COMMERCIAL LOAN MANAGER Highest-paid employee | 48 | $157,291 | $14,985 |
| TERRY DAVIS | CHAIRMAN Trustee or director | 1 | $0 | $0 |
| DEBORAH GIVEN | TREASURER Trustee or director | 1 | $0 | $0 |
| LINDA RUETHEMANN | SECRETARY Trustee or director | 1 | $0 | $0 |
| KEITH MILLING | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CINDY KILLEN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BRENDA WELBORN | VICE CHAIRMAN Trustee or director | 1 | $0 | $0 |
| JOHN MORRIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| BRIAN WILSON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHAEL MCGRAW | DIRECTOR Trustee or director | 1 | $0 | $0 |
| REGGIE JURAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1 RIVERCHASE PKWY S, HOOVER, AL 35244-2008
- In care of
- % BRANT MALONE
- Principal officer (990 for 2024)
- JEREMY MALONE, ONE RIVERCHASE PARKWAY SOUTH, BIRMINGHAM, AL 35244
- Signed the 990
- JEREMY MALONE, CEO
- Phone
- (205) 985-2836
- Website
- WWW.AVADIANCU.COM
- Return prepared by
- BMSS LLC
Mission
TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS.
Program accomplishments
- 97,051 MEMBERS SERVED TO PROMOTE THRIFT OPPORTUNITIES AND LOW COST LOANS
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 63-0207315
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1971
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1422: ALABAMA CREDIT UNION ADMINISTRATION
- Assets (IRS master file)
- $1,391,962,865
- Income (IRS master file)
- $105,703,256
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $89,963,312 | $85,268,656 | $1,391,962,865 | XML |
| 990 | December 2023 | $76,914,615 | $69,931,799 | $1,352,204,641 | XML |
| 990 | December 2022 | $56,357,889 | $49,571,185 | $1,250,063,338 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 63-0207315).
Questions about AVADIAN CREDIT UNION
- What is the EIN of AVADIAN CREDIT UNION?
- The employer identification number (EIN) of AVADIAN CREDIT UNION is 63-0207315.
- Is AVADIAN CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1971.
- Are donations to AVADIAN CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does AVADIAN CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of AVADIAN CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did AVADIAN CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of AVADIAN CREDIT UNION?
- The 990 for the year ended December 31, 2024 names JEREMY MALONE.
- Who are the officers and directors of AVADIAN CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 25 people; 14 received compensation from the organization, the highest $481,269 (LINDA CENCULA, CEO).
- How much revenue does AVADIAN CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $89,963,312, expenses of $85,268,656 and total assets of $1,391,962,865 at year end.
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