Nonprofit · EIN 63-0437941
RAILROAD COMMUNITY CREDIT UNION
Tax-exempt · IRONDALE, AL 35210
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $3,501,290 | $3,146,962 | $354,328 | $99,753,818 | $86,126,831 | $13,626,987 |
| December 31, 2024 | 990 | $3,084,830 | $2,912,240 | $172,590 | $102,299,401 | $89,568,687 | $12,730,714 |
| December 31, 2023 | 990 | $2,209,679 | $2,109,553 | $100,126 | $104,913,454 | $92,671,659 | $12,241,795 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $3,501,290
- Investment income
- $0
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $139,372
- Other salaries and wages
- $480,357
- Salaries, compensation and benefits (total)
- $835,809
- Professional fundraising fees
- $0
- Accounting fees
- $33,000
- Occupancy
- $76,875
- Travel
- $1,901
- Depreciation
- $18,963
Balance sheet and other
- Total assets, start of year
- $102,299,401
- Total assets, end of year
- $99,753,818
- Total liabilities, end of year
- $86,126,831
- Net assets, end of year
- $13,626,987
- Land, buildings and equipment
- $109,987
- Gross unrelated business income
- $3,386
- Gross receipts
- $3,501,290
- Employees
- 9
- 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 |
|---|---|---|---|---|
| SHARON M HAZELWOOD | CEO/PRESIDENT Officer | 40 | $115,940 | $23,432 |
| PATRICIA SHEETS | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 | $0 |
| ANITA L AARON | SUPERVISORY COMMITTEE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| BRENDA ALDRIDGE | BOARD SECRETARY Trustee or director | 1 | $0 | $0 |
| MARSHALL W WALK | BOARD VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| MICHAEL L DARDEN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARY WADE-GREER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ALVIN ASH JR | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| FREDDY WILLIAMSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| LINDA G BASS | SUPERVISORY COMMITTEE MEMBER Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SHARON M HAZELWOOD | CEO/PRESIDENT Officer | 40 | $110,944 | $26,754 |
| LESLIE C SMITH | BOARD CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| BRENDA ALDRIDGE | BOARD SECRETARY/TREASURER Trustee or director | 1 | $0 | $0 |
| MARSHALL W WALK | BOARD VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| MICHAEL L DARDEN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARY WADE-GREER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ALVIN ASH JR | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| FREDDY WILLIAMSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CYNTHIA S SIMS | SUPERVISORY COMMITTEE Trustee or director | 1 | $0 | $0 |
| LINDA G BASS | SUPERVISORY COMMITTEE Trustee or director | 1 | $0 | $0 |
| PATRICIA SHEETS | SUPERVISORY COMMITTEE CHAIR Trustee or director | 1 | $0 | $0 |
| ANITA L AARON | SUPERVISORY COMMITTEE Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SHARON M HAZELWOOD | CEO/PRESIDENT Officer | 40 | $107,444 | $28,620 |
| LESLIE C SMITH | BOARD CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| BRENDA ALDRIDGE | BOARD SECRETARY/TREASURER Trustee or director | 1 | $0 | $0 |
| MARSHALL W WALK | BOARD VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| MICHAEL L DARDEN | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| MARY WADE-GREER | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| ALVIN ASH JR | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| FREDDY WILLIAMSON | BOARD MEMBER Trustee or director | 1 | $0 | $0 |
| CYNTHIA S SIMS | SUPERVISORY COMMITTEE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| LINDA G BASS | SUPERVISORY COMMITTEE Trustee or director | 1 | $0 | $0 |
| PATRICIA SHEETS | SUPERVISORY COMMITTEE Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1808 2ND AVE S, IRONDALE, AL 35210-1512
- In care of
- % SHARON HAZELWOOD
- Principal officer (990 for 2025)
- DOUG WATSON, PO BOX 100185, IRONDALE, AL 35210
- Signed the 990
- DOUG WATSON, CEO/MANAGER
- Phone
- (205) 956-0678
- Website
- WWW.RAILROADFCU.COM
- Return prepared by
- PEARCE BEVILL LEESBURG MOORE PC
Mission
THIS CREDIT UNION IS A VOLUNTARY, COOPERATIVE, NON-PROFIT FINANCIAL INSTITUTION, CHARTERED UNDER THE ALABAMA CREDIT UNION ACT. ITS PRIMARY PURPOSE IS THE ENCOURAGEMENT OF THRIFT, THE CREATION OF A SOURCE OF CREDIT AT FAIR AND REASONABLE RATES OF INTEREST, AND THE PROVISION OF OPPORTUNITIES FOR ITS MEMBERS TO CONTROL THEIR OWN MONEY IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.
Program accomplishments
- ALABAMA BANKING CODE, SECTION 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. RAILROAD COMMUNITY CREDIT UNION, AN ALABAMA STATE CHARTERED CREDIT UNION, PROVIDES THESE SERVICES TO ITS MEMBERS WHO ARE UNDER THE EXISTING EMPLOYER GROUP OF NORFOLK SOUTHERN, CITY OF IRONDALE AND MORRIS SHEA BRIDGE, AND RESIDENTS OR PERSONS WORKING OR ATTENDING SCHOOL WITHIN JEFFERSON, BLOUNT, ST. CLAIR, SHELBY, WALKER AND TUSCALOOSA COUNTIES. AS OF DECEMBER 31, 2025, THE CREDIT UNION HAD APPROXIMATELY 4,765 MEMBERS.Expenses $3,146,964
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
- 63-0437941
- 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)
- $99,753,818
- Income (IRS master file)
- $3,501,290
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $3,501,290 | $3,146,962 | $99,753,818 | XML |
| 990 | December 2024 | $3,084,830 | $2,912,240 | $102,299,401 | IRS |
| 990 | December 2023 | $2,209,679 | $2,109,553 | $104,913,454 | XML |
| 990 | December 2022 | $1,723,193 | $1,508,767 | $109,116,520 | 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 63-0437941).
Questions about RAILROAD COMMUNITY CREDIT UNION
- What is the EIN of RAILROAD COMMUNITY CREDIT UNION?
- The employer identification number (EIN) of RAILROAD COMMUNITY CREDIT UNION is 63-0437941.
- Is RAILROAD COMMUNITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1971.
- Are donations to RAILROAD COMMUNITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does RAILROAD COMMUNITY 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 RAILROAD COMMUNITY 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 RAILROAD COMMUNITY 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 RAILROAD COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names DOUG WATSON.
- Who are the officers and directors of RAILROAD COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 10 people; 1 received compensation from the organization, the highest $115,940 (SHARON M HAZELWOOD, CEO/PRESIDENT).
- How much revenue does RAILROAD COMMUNITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $3,501,290, expenses of $3,146,962 and total assets of $99,753,818 at year end.
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