Nonprofit · EIN 63-0368585
BIRMINGHAM CITY CREDIT UNION
Tax-exempt · BIRMINGHAM, AL 35207
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $1,540,779 | $1,310,186 | $230,593 | $9,932,632 | $7,981,882 | $1,950,750 |
| December 31, 2024 | 990 | $1,127,673 | $1,112,702 | $14,971 | $9,106,560 | $7,386,401 | $1,720,159 |
| December 31, 2023 | 990 | $1,173,190 | $1,123,955 | $49,235 | $9,744,305 | $8,039,118 | $1,705,187 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,018,093
- Investment income
- $45,554
- Other revenue
- $477,132
Expenses
- Grants and similar amounts paid
- $0
- Other salaries and wages
- $298,974
- Salaries, compensation and benefits (total)
- $376,998
- Professional fundraising fees
- $0
- Occupancy
- $52,267
- Management and general (functional)
- $1,310,186
Balance sheet and other
- Total assets, start of year
- $9,106,560
- Total assets, end of year
- $9,932,632
- Total liabilities, end of year
- $7,981,882
- Net assets, end of year
- $1,950,750
- Land, buildings and equipment
- $360,517
- Gross unrelated business income
- $9,132
- Gross receipts
- $1,540,779
- Employees
- 6
- Volunteers
- 10
- Year formed
- 1956
- 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 |
|---|---|---|---|---|
| KRISTIN FINCH | CEO Officer | 40 | $117,895 | $23,052 |
| JAMES ROBINETT | BOARD CHAIRM Trustee or director | 1 | $0 | $0 |
| EDDIE LEE | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| KAREN WREN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARILYN CHAPMAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| THOMAS BENTLEY | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| ANDREA STALLWORTH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ROBERT AVERHART | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SEDRICK RUTLEDGE | SUPERVISORY Officer | 1 | $0 | $0 |
| TAMELA PARRISH | SUPERVISORY Officer | 1 | $0 | $0 |
| ANGELA BRYANT | SUPERVISORY Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CARRIE PLAYER | CEO/TREASURE Officer | 40 | $112,840 | $26,759 |
| KRISTIN FINCH | ASSISTANT MA Officer | 40 | $84,054 | $24,960 |
| JAMES ROBINETT | BOARD CHAIRM Trustee or director | 1 | $0 | $0 |
| EDDIE LEE | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| KAREN WREN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARILYN CHAPMAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| THOMAS BENTLEY | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| ANDREA STALLWORTH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ROBERT AVERHART | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SEDRICK RUTLEDGE | SUPERVISORY Officer | 1 | $0 | $0 |
| TAMELA PARRISH | SUPERVISORY Officer | 1 | $0 | $0 |
| ANGELA BRYANT | SUPERVISORY Officer | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CARRIE PLAYER | CEO/TREASURE Officer | 40 | $100,548 | $27,136 |
| KRISTIN FINCH | ASSISTANT MA Officer | 40 | $81,385 | $25,760 |
| JAMES ROBINETT | BOARD CHAIRM Trustee or director | 1 | $0 | $0 |
| EDDIE LEE | BOARD VICE C Trustee or director | 1 | $0 | $0 |
| KAREN WREN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARILYN CHAPMAN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| THOMAS BENTLEY | BOARD SECRET Trustee or director | 1 | $0 | $0 |
| ANDREA STALLWORTH | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ROBERT AVERHART | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| SEDRICK RUTLEDGE | SUPERVISORY Officer | 1 | $0 | $0 |
| PAUL HUGHES | SUPERVISORY Officer | 1 | $0 | $0 |
| ANGELA BRYANT | SUPERVISORY Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2725 35TH AVE N, BIRMINGHAM, AL 35207-2839
- In care of
- % KRISTIN FINCH
- Principal officer (990 for 2025)
- KRISTIN FINCH, 708 17TH STREET NORTH, BIRMINGHAM, AL 35203
- Signed the 990
- KRISTIN FINCH, CEO
- Phone
- (205) 583-4654
- Return prepared by
- CREDIT UNION AUDIT GROUP
Mission
CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 2,648 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
Program accomplishments
- THE CREDIT UNION PROVIDES A VARIETY OF LOAN SERVICES FOR ITS MEMBERS.Expenses $1,257,714
- THE CREDIT UNION PROVIDES A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS.Expenses $52,473
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
- 63-0368585
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1941
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1422: ALABAMA CREDIT UNION ADMINISTRATION
- Assets (IRS master file)
- $9,932,632
- Income (IRS master file)
- $1,540,779
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $1,540,779 | $1,310,186 | $9,932,632 | IRS |
| 990 | December 2024 | $1,127,673 | $1,112,702 | $9,106,560 | XML |
| 990 | December 2023 | $1,173,190 | $1,123,955 | $9,744,305 | XML |
| 990 | December 2022 | $966,521 | $912,694 | $9,351,137 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | 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 63-0368585).
Questions about BIRMINGHAM CITY CREDIT UNION
- What is the EIN of BIRMINGHAM CITY CREDIT UNION?
- The employer identification number (EIN) of BIRMINGHAM CITY CREDIT UNION is 63-0368585.
- Is BIRMINGHAM CITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1941.
- Are donations to BIRMINGHAM CITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does BIRMINGHAM CITY 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 BIRMINGHAM CITY 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 BIRMINGHAM CITY 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 BIRMINGHAM CITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names KRISTIN FINCH.
- Who are the officers and directors of BIRMINGHAM CITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 11 people; 1 received compensation from the organization, the highest $117,895 (KRISTIN FINCH, CEO).
- How much revenue does BIRMINGHAM CITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $1,540,779, expenses of $1,310,186 and total assets of $9,932,632 at year end.
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