Nonprofit · EIN 63-0436631
RIVERFALL CREDIT UNION
Tax-exempt · TUSCALOOSA, AL 35401
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $10,920,019 | $10,592,655 | $327,364 | $194,356,151 | $176,489,071 | $17,867,080 |
| December 31, 2024 | 990 | $9,658,595 | $9,325,953 | $332,642 | $180,007,116 | $164,676,304 | $15,330,812 |
| December 31, 2023 | 990 | $8,173,855 | $7,505,001 | $668,854 | $162,354,260 | $147,943,691 | $14,410,569 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $5,739,379
- Investment income
- $2,451,988
- Royalties
- $14,564
- Net gain from sales of assets
- -$286,062
- Other revenue
- $2,728,652
Expenses
- Grants and similar amounts paid
- $7,500
- Compensation of officers, directors and key employees
- $464,048
- Other salaries and wages
- $1,607,602
- Salaries, compensation and benefits (total)
- $2,504,230
- Professional fundraising fees
- $0
- Legal fees
- $21,447
- Accounting fees
- $81,551
- Occupancy
- $450,389
- Travel
- $68,833
- Depreciation
- $313,256
Balance sheet and other
- Total assets, start of year
- $180,007,116
- Total assets, end of year
- $194,356,151
- Total liabilities, end of year
- $176,489,071
- Net assets, end of year
- $17,867,080
- Land, buildings and equipment
- $6,383,651
- Gross unrelated business income
- $12,625
- Gross receipts
- $11,880,053
- Employees
- 46
- Volunteers
- 10
- Year formed
- 1953
- 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 |
|---|---|---|---|---|
| SCOTT RYAN | CEO Officer | 40 | $191,376 | $9,579 |
| SUSAN HANNAH | COO Officer | 40 | $113,221 | $9,733 |
| KAY LACKEY | FORMER VICE PRESIDENT LENDING Officer | 40 | $101,532 | $66 |
| LANCE JOHNSON | VICE PRESIDENT LENDING Officer | 40 | $38,537 | $4 |
| NEAL GUY | CHAIRMAN Trustee or director | 1 | $0 | $0 |
| GREG HURST | BOARD TREASURER Trustee or director | 1 | $0 | $0 |
| MARLON MURRAY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DON KELLY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ANDREA FANNIN | SECRETARY Trustee or director | 1 | $0 | $0 |
| NANCY TERRY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JACK GIBSON | VICE CHAIRMAN Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SCOTT RYAN | CEO Officer | 40 | $168,010 | $8,448 |
| SUSAN HANNAH | COO Officer | 40 | $107,713 | $13,117 |
| KAY LACKEY | VICE PRESIDENT LENDING Officer | 40 | $87,066 | $11,972 |
| NEAL GUY | CHAIRMAN Trustee or director | 1 | $0 | $0 |
| GREG HURST | BOARD TREASURER Trustee or director | 1 | $0 | $0 |
| MARLON MURRAY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DON KELLY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ANDREA FANNIN | SECRETARY Trustee or director | 1 | $0 | $0 |
| NANCY TERRY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JACK GIBSON | VICE CHAIRMAN Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SCOTT RYAN | CEO Officer | 40 | $144,191 | $6,077 |
| SUSAN HANNAH | COO Officer | 40 | $94,440 | $11,171 |
| KAY LACKEY | VICE PRESIDENT LENDING Officer | 40 | $78,695 | $10,360 |
| NEAL GUY | CHAIRMAN Trustee or director | 1 | $0 | $0 |
| GREG HURST | BOARD TREASURER Trustee or director | 1 | $0 | $0 |
| MARLON MURRAY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DON KELLY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ANDREA FANNIN | SECRETARY Trustee or director | 1 | $0 | $0 |
| NANCY TERRY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JACK GIBSON | VICE CHAIRMAN Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 2520 GARY FITTS ST, TUSCALOOSA, AL 35401-1702
- In care of
- % SCOTT RYAN
- Principal officer (990 for 2025)
- SCOTT RYAN, PO BOX 1756, TUSCALOOSA, AL 354031756
- Signed the 990
- SCOTT RYAN, CEO
- Phone
- (205) 759-1505
- Website
- WWW.RIVERFALLCU.COM
- Return prepared by
- BMSS LLC
Mission
TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS.
Program accomplishments
- 14,287 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 | 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
- 63-0436631
- 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)
- $194,356,151
- Income (IRS master file)
- $11,880,053
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $10,920,019 | $10,592,655 | $194,356,151 | IRS |
| 990 | December 2024 | $9,658,595 | $9,325,953 | $180,007,116 | IRS |
| 990 | December 2023 | $8,173,855 | $7,505,001 | $162,354,260 | XML |
| 990 | December 2022 | $6,975,921 | $5,941,360 | $159,794,835 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 63-0436631).
Questions about RIVERFALL CREDIT UNION
- What is the EIN of RIVERFALL CREDIT UNION?
- The employer identification number (EIN) of RIVERFALL CREDIT UNION is 63-0436631.
- Is RIVERFALL CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1941.
- Are donations to RIVERFALL CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does RIVERFALL 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 RIVERFALL 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 RIVERFALL 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 RIVERFALL CREDIT UNION?
- The 990 for the year ended December 31, 2025 names SCOTT RYAN.
- Who are the officers and directors of RIVERFALL CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 11 people; 4 received compensation from the organization, the highest $191,376 (SCOTT RYAN, CEO).
- How much revenue does RIVERFALL CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $10,920,019, expenses of $10,592,655 and total assets of $194,356,151 at year end.
Other nonprofits in TUSCALOOSA
- ALABAMA CREDIT UNION EIN 63-0440014 · last filed 990 for 2024
- ALABAMA ONE CREDIT UNION EIN 63-0353833 · last filed 990 for 2024
- WEST ALABAMA AIDS OUTREACH INC EIN 63-0995963 · last filed 990 for 2025
- CAPSTONE HEALTH SERVICES FOUNDATION P C EIN 63-0810661 · last filed 990 for 2025
- WHATLEY HEALTH SERVICES INC EIN 63-0727781 · last filed 990 for 2024
- STILLMAN COLLEGE EIN 63-0315935 · last filed 990 for 2025
- COMMUNITY SERVICE PROGRAMS OF WEST ALABAMA INC EIN 63-0671915 · last filed 990 for 2025
- COMMUNITY FOUNDATION OF WEST ALABAMA EIN 63-1225003 · last filed 990 for 2025