Nonprofit · EIN 63-0416876
NAHEOLA CREDIT UNION
Tax-exempt · PENNINGTON, AL 36916
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $14,717,792 | $11,288,034 | $3,429,758 | $213,553,743 | $176,734,937 | $36,818,806 |
| December 31, 2024 | 990 | $13,423,300 | $11,149,168 | $2,274,132 | $196,979,015 | $164,328,733 | $32,650,282 |
| December 31, 2023 | 990 | $11,164,826 | $8,978,138 | $2,186,688 | $181,154,521 | $151,097,605 | $30,056,916 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $14,717,792
- Investment income
- $0
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $477,523
- Other salaries and wages
- $1,708,902
- Salaries, compensation and benefits (total)
- $2,919,325
- Professional fundraising fees
- $0
- Legal fees
- $21,569
- Accounting fees
- $62,996
- Occupancy
- $367,099
- Travel
- $134,273
- Depreciation
- $173,997
Balance sheet and other
- Total assets, start of year
- $196,979,015
- Total assets, end of year
- $213,553,743
- Total liabilities, end of year
- $176,734,937
- Net assets, end of year
- $36,818,806
- Land, buildings and equipment
- $2,483,650
- Gross unrelated business income
- $3,650
- Gross receipts
- $14,717,792
- Employees
- 38
- Volunteers
- 10
- Year formed
- 1959
- 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 |
|---|---|---|---|---|
| MARK J JOHNSON | CEO Officer | 40 | $253,000 | $32,413 |
| CHARLES E SINGLETON | AREA PRESIDENT Highest-paid employee | 40 | $199,300 | $14,239 |
| CHARLES MORGAN REYNOLDS | COO Officer | 40 | $163,400 | $28,711 |
| JAMES STANFORD | SR VP LENDING Highest-paid employee | 40 | $176,700 | $10,074 |
| WILLARD E MCDONALD | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CORY W MARTIN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JOSEPH M MCILWAIN | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| WILLIAM S ADAMS | BOARD VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| LYNETTE M BARKLEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JOSEPH M MOODY | BOARD CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| JOHN R RAMSEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| TONY W JACKSON | SUPERVISORY COMMITTEE CHAI Trustee or director | 1 | $0 | $0 |
| AVIE N LINDSEY | SUPERVISORY COMMITTEE MEMB Trustee or director | 1 | $0 | $0 |
| WILLIAM TRAEGER | SUPERVISORY COMMITTEE MEMB Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MARK J JOHNSON | CEO Officer | 40 | $224,332 | $30,182 |
| CHARLES E SINGLETON | AREA PRESIDENT Highest-paid employee | 40 | $175,800 | $12,152 |
| CHARLES MORGAN REYNOLDS | COO Officer | 40 | $140,800 | $30,951 |
| JAMES STANFORD | SR VP LENDING Highest-paid employee | 40 | $156,900 | $9,055 |
| WILLARD E MCDONALD | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CORY W MARTIN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JOSEPH M MCILWAIN | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| WILLIAM S ADAMS | BOARD VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| LYNETTE M BARKLEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JOSEPH M MOODY | BOARD CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| JOHN R RAMSEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| TONY W JACKSON | SUPERVISORY COMMITTEE CHAIR Trustee or director | 1 | $0 | $0 |
| AVIE N LINDSEY | SUPERVISORY COMMITTEE MEMB Trustee or director | 1 | $0 | $0 |
| WILLIAM TRAEGER | SUPERVISORY COMMITTEE MEMB Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MARK J JOHNSON | CEO Officer | 40 | $214,000 | $36,854 |
| CHARLES E SINGLETON | AREA PRESIDENT Highest-paid employee | 40 | $165,800 | $13,422 |
| CHARLES MORGAN REYNOLDS | COO Officer | 40 | $130,000 | $30,603 |
| JAMES STANFORD | SR VP LENDING Highest-paid employee | 40 | $144,500 | $9,150 |
| WILLARD E MCDONALD | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CORY W MARTIN | BOARD CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| JOSEPH M MCILWAIN | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| WILLIAM S ADAMS | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LYNETTE M BARKLEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| JOSEPH M MOODY | BOARD VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| JOHN R RAMSEY | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| TONY W JACKSON | SUPERVISORY COMMITTEE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| AVIE N LINDSEY | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 | $0 |
| WILLIAM TRAEGER | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 102, PENNINGTON, AL 36916-0102
- In care of
- % MARK JOHNSON
- Principal officer (990 for 2025)
- MARK JOHNSON, PO BOX 102, PENNINGTON, AL 369120102
- Signed the 990
- MARK JOHNSON, CEO
- Phone
- (205) 654-2370
- Website
- WWW.NAHEOLA.COM
- Return prepared by
- PEARCE BEVILL CPAS & ADVISORS PC
Mission
COOPERATIVE SOCIETY INCORPORATED FOR THE TWOFOLD PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST.
Program accomplishments
- CODE OF ALABAMA, SEC 5-17-1, STATES THAT A CREDIT UNION IS A COOPERATIVE SOCIETY INCORPORATED FOR THE TWOFOLD PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST. NAHEOLA CREDIT UNION, AN ALABAMA STATE CHARTERED CREDIT UNION, PROVIDES THESE SERVICES TO ITS MEMBERS WHO ARE PRIMARILY RESIDENTS OF CHOCTAW, MARENGO, WASHINGTON, CLARKE, SUMTER, HALE, PERRY, GREENE, MOBILE, ESCAMBIA, OR BALDWIN COUNTY IN THE STATE OF ALABAMA. THE CREDIT UNION'S FIELD OF MEMBERSHIP IS ALSO OPEN TO ANYONE WORKING, PERFORMING BUSINESS, OR ATTENDING A CHURCH IN THOSE COUNTIES. AT DECEMBER 31, 2025, THE CREDIT UNION HAD MEMBERSHIP AND PROVIDED SERVICES TO APPROXIMATELY 12,635 MEMBERS. MEMBERS.Expenses $11,288,035
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
- 63-0416876
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1958
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1422: ALABAMA CREDIT UNION ADMINISTRATION
- Assets (IRS master file)
- $213,553,743
- Income (IRS master file)
- $14,717,792
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $14,717,792 | $11,288,034 | $213,553,743 | XML |
| 990 | December 2024 | $13,423,300 | $11,149,168 | $196,979,015 | XML |
| 990 | December 2023 | $11,164,826 | $8,978,138 | $181,154,521 | XML |
| 990 | December 2022 | $9,386,778 | $7,082,736 | $165,827,709 | 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 63-0416876).
Questions about NAHEOLA CREDIT UNION
- What is the EIN of NAHEOLA CREDIT UNION?
- The employer identification number (EIN) of NAHEOLA CREDIT UNION is 63-0416876.
- Is NAHEOLA CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1958.
- Are donations to NAHEOLA CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does NAHEOLA 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 NAHEOLA 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 NAHEOLA 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 NAHEOLA CREDIT UNION?
- The 990 for the year ended December 31, 2025 names MARK JOHNSON.
- Who are the officers and directors of NAHEOLA CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 14 people; 4 received compensation from the organization, the highest $253,000 (MARK J JOHNSON, CEO).
- How much revenue does NAHEOLA CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $14,717,792, expenses of $11,288,034 and total assets of $213,553,743 at year end.
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