Nonprofit · EIN 63-0288906
ECO CREDIT UNION
Tax-exempt · BIRMINGHAM, AL 35201
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $9,301,400 | $8,546,783 | $754,617 | $187,890,989 | $174,059,209 | $13,831,780 |
| December 31, 2024 | 990 | $9,097,715 | $8,511,690 | $586,025 | $181,398,169 | $171,533,926 | $9,864,243 |
| December 31, 2023 | 990 | $9,085,732 | $7,575,494 | $1,510,238 | $201,054,027 | $192,003,615 | $9,050,412 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $6,168,015
- Investment income
- $2,022,853
- Other revenue
- $1,110,532
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $2,511,741
- Salaries, compensation and benefits (total)
- $3,203,352
- Professional fundraising fees
- $0
- Occupancy
- $363,530
- Travel
- $109,358
- Management and general (functional)
- $8,546,783
Balance sheet and other
- Total assets, start of year
- $181,398,169
- Total assets, end of year
- $187,890,989
- Total liabilities, end of year
- $174,059,209
- Net assets, end of year
- $13,831,780
- Land, buildings and equipment
- $8,306,014
- Gross unrelated business income
- $32,454
- Gross receipts
- $9,301,400
- Employees
- 45
- Volunteers
- 10
- Year formed
- 1939
- 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, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOSEPH HAND | CEO Key employee | 40 | $349,515 | $207,260 |
| JEFFREY JONES | CIO Key employee | 40 | $155,488 | $63,352 |
| LAVELLE NOBLITT | COO Key employee | 40 | $158,003 | $28,532 |
| SHELIA DEMBOWSKI | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| CHRISTOPHER GORDON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| HAROLD GRAY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JULIE KELLY | BOARD CHAIR Trustee or director | 1 | $0 | $0 |
| JONATHAN LEMSKY | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| JERRY MITCHELL | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JIMMIE PEARSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ALLYSON EDWARDS | SUPERVISORY Officer | 1 | $0 | $0 |
| BILLY JOE HUGHES | SUPERVISORY Officer | 1 | $0 | $0 |
| RANDY MCCARTY | SUPERVISORY Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 13 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOSEPH HAND | CEO Key employee | 40 | $328,715 | $344,762 |
| JEFFREY JONES | CIO Key employee | 40 | $150,505 | $57,030 |
| LAVELLE NOBLITT | COO Key employee | 40 | $155,836 | $30,203 |
| SHELIA DEMBOWSKI | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CHRISTOPHER GORDON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| HAROLD GRAY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JULIE KELLY | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| JONATHAN LEMSKY | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| JERRY MITCHELL | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JIMMIE PEARSON | BOARD CHAIR Trustee or director | 1 | $0 | $0 |
| ALLYSON EDWARDS | SUPERVISORY Officer | 1 | $0 | $0 |
| BILLY JOE HUGHES | SUPERVISORY Officer | 1 | $0 | $0 |
| RANDY MCCARTY | SUPERVISORY Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOSEPH HAND | CEO Highest-paid employee | 40 | $304,958 | $28,468 |
| SHELIA DEMBOWSKI | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| HAROLD GRAY | BOARD CHAIR Trustee or director | 1 | $0 | $0 |
| JULIE KELLY | BOARD TREASU Trustee or director | 1 | $0 | $0 |
| JONATHAN LEMSKY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JERRY MITCHELL | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JIMMIE PEARSON | BOARD VICECH Trustee or director | 1 | $0 | $0 |
| ALLYSON EDWARDS | SUPERVISORY Officer | 1 | $0 | $0 |
| BILLY JOE HUGHES | SUPERVISORY Officer | 1 | $0 | $0 |
| RANDY MCCARTY | SUPERVISORY Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 2385, BIRMINGHAM, AL 35201-2385
- In care of
- % JOEY HAND
- Principal officer (990 for 2025)
- JOSEPH HAND, 105 FRANKFURT CIRCLE, BIRMINGHAM, AL 35211
- Signed the 990
- JOSEPH HAND, CEO
- Phone
- (205) 226-3900
- Website
- WWW.ECOCU.ORG
- Return prepared by
- CREDIT UNION AUDIT GROUP
Mission
CREDIT UNION - TO PROVIE SERVICES TO APPROXIMATELY 14,830 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
Program accomplishments
- THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.Expenses $6,873,847
- THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.Expenses $1,672,936
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 | 990 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
- 63-0288906
- 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)
- $187,890,989
- Income (IRS master file)
- $9,301,400
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $9,301,400 | $8,546,783 | $187,890,989 | XML |
| 990 | December 2024 | $9,097,715 | $8,511,690 | $181,398,169 | IRS |
| 990 | December 2023 | $9,085,732 | $7,575,494 | $201,054,027 | XML |
| 990 | December 2022 | $7,754,194 | $6,649,920 | $186,172,963 | 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 63-0288906).
Questions about ECO CREDIT UNION
- What is the EIN of ECO CREDIT UNION?
- The employer identification number (EIN) of ECO CREDIT UNION is 63-0288906.
- Is ECO CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1971.
- Are donations to ECO CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does ECO 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 ECO CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did ECO CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of ECO CREDIT UNION?
- The 990 for the year ended December 31, 2025 names JOSEPH HAND.
- Who are the officers and directors of ECO CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 13 people; 3 received compensation from the organization, the highest $349,515 (JOSEPH HAND, CEO).
- How much revenue does ECO CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $9,301,400, expenses of $8,546,783 and total assets of $187,890,989 at year end.
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