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Nonprofit · EIN 63-0362060

RAILWAY EMPLOYEES CREDIT UNION

Tax-exempt · MUSCLE SHOALS, AL 35661

Financials

$659K$548K2023$749K$604K2024$852K$667K2025
Revenue Expenses · by fiscal year end
Financials of RAILWAY EMPLOYEES CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$851,849$667,407$184,442$20,111,200$15,966,670$4,144,530
December 31, 2024990$749,167$604,172$144,995$18,019,242$14,243,701$3,775,541
December 31, 2023990$658,972$548,414$110,558$17,549,343$13,938,338$3,611,005
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$460,480
Investment income
$391,369
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Other salaries and wages
$197,863
Salaries, compensation and benefits (total)
$270,323
Professional fundraising fees
$0
Occupancy
$22,902
Management and general (functional)
$667,407

Balance sheet and other

Total assets, start of year
$18,019,242
Total assets, end of year
$20,111,200
Total liabilities, end of year
$15,966,670
Net assets, end of year
$4,144,530
Land, buildings and equipment
$124,107
Gross receipts
$851,849
Employees
3
Volunteers
11
Year formed
1935
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.

NameTitleHours / weekCompensationOther / benefits
MARY LEIGH MATTHEWSMANAGER
Officer
40$111,000$22,920
JAMES FULLERBOD MEMBER
Trustee or director
1$0$0
LUTHER GRISHAMBOD VICE PRE
Trustee or director
1$0$0
JAMES HAMILTONBOD SEC/TRES
Trustee or director
1$0$0
DAVID MEEKSBOD PRESIDEN
Trustee or director
1$0$0
GARY UTLEYBOD MEMBER
Trustee or director
1$0$0
AUDREY BAILEYSC MEMBER
Officer
1$0$0
ROY E CLEMENTSC MEMBER
Officer
1$0$0
CHARLES RICKARDCREIT COMMIT
Officer
1$0$0
JEREMY UTLEYCREDIT COMMI
Officer
1$0$0
DANNY WEEKSCREDIT COMMI
Officer
1$0$0
PHILLIP WRIGHTSC CHAIR
Officer
1$0$0
990 for the year ended December 31, 2024: 12 people
NameTitleHours / weekCompensationOther / benefits
MARY LEIGH MATTHEWSMANAGER
Officer
40$89,742$20,832
JAMES FULLERBOD MEMBER
Trustee or director
1$0$0
LUTHER GRISHAMBOD VICE PRE
Trustee or director
1$0$0
JAMES HAMILTONBOD SEC/TRES
Trustee or director
1$0$0
DAVID MEEKSBOD PRESIDEN
Trustee or director
1$0$0
GARY UTLEYBOD MEMBER
Trustee or director
1$0$0
AUDREY BAILEYSC MEMBER
Officer
1$0$0
ROY E CLEMENTSC MEMBER
Officer
1$0$0
CHARLES RICKARDCREIT COMMIT
Officer
1$0$0
JEREMY UTLEYCREDIT COMMI
Officer
1$0$0
DANNY WEEKSCREDIT COMMI
Officer
1$0$0
PHILLIP WRIGHTSC CHAIR
Officer
1$0$0
990 for the year ended December 31, 2023: 12 people
NameTitleHours / weekCompensationOther / benefits
MARY LEIGH MATTHEWSMANAGER
Officer
40$82,142$19,760
AL CLEMMONSBOD MEMBER
Trustee or director
1$0$0
LUTHER GRISHAMBOD VICE PRE
Trustee or director
1$0$0
JAMES HAMILTONBOD SEC/TRES
Trustee or director
1$0$0
DAVID MEEKSBOD PRESIDEN
Trustee or director
1$0$0
GARY UTLEYBOD MEMBER
Trustee or director
1$0$0
AUDREY BAILEYSC MEMBER
Officer
1$0$0
ROY E CLEMENTCREDIT COMM
Officer
1$0$0
JAMES FULLERSC CHAIRMAN
Officer
1$0$0
JEREMY UTLEYCREDIT COMMI
Officer
1$0$0
DANNY WEEKSCREDIT COMMI
Officer
1$0$0
PHILLIP WRIGHTSC MEMBER
Officer
1$0$0

Address and contacts

Address (IRS master file)
1604 GUSMUS AVE, MUSCLE SHOALS, AL 35661-2440
In care of
% MARY LEIGH MATTHEWS
Principal officer (990 for 2025)
MARY LEIGH MATTHEWS, 1604 GUSMUS AVE, MUSCLE SHOALS, AL 35661
Signed the 990
MARY LEIGH MATTHEWS, MANAGER
Phone
(256) 383-7940
Return prepared by
CREDIT UNION AUDIT GROUP

Mission

CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 1,366 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.

990 for the year ended December 31, 2025

Program accomplishments

  • THE CREDIT UNION PROVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.
    Expenses $562,145
  • THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.
    Expenses $105,262

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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
63-0362060
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
Assets (IRS master file)
$20,111,200
Income (IRS master file)
$851,849

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$851,849$667,407$20,111,200XML
990December 2024$749,167$604,172$18,019,242XML
990December 2023$658,972$548,414$17,549,343XML
990December 2022$558,613$475,760$18,908,048IRS
990December 2021–––IRS
990December 2020–––IRS
990December 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 63-0362060).

Questions about RAILWAY EMPLOYEES CREDIT UNION

What is the EIN of RAILWAY EMPLOYEES CREDIT UNION?
The employer identification number (EIN) of RAILWAY EMPLOYEES CREDIT UNION is 63-0362060.
Is RAILWAY EMPLOYEES CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1971.
Are donations to RAILWAY EMPLOYEES CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does RAILWAY EMPLOYEES 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 RAILWAY EMPLOYEES 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 RAILWAY EMPLOYEES 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 RAILWAY EMPLOYEES CREDIT UNION?
The 990 for the year ended December 31, 2025 names MARY LEIGH MATTHEWS.
Who are the officers and directors of RAILWAY EMPLOYEES CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 12 people; 1 received compensation from the organization, the highest $111,000 (MARY LEIGH MATTHEWS, MANAGER).
How much revenue does RAILWAY EMPLOYEES CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $851,849, expenses of $667,407 and total assets of $20,111,200 at year end.

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