{"success":true,"data":{"_id":630305308,"filings":[{"Organization":{"value":null,"Person":["Randy V Allen","James A Schilling","Billy W Lawley","Leon Henderson","Mark Lashley","Lillian Gresham","Solomon Mitchell","Byron Wesley","Robert Richburg"],"Title":["Manager/CEO","Director, Chairman","Director","Director","Director","Director","Supervisory Committee, Chairman","Supervisory Committee","Supervisory Committee"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[66917,0,0,0,0,0,0,0,0],"Direct compensation":[66917,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative society incorporated for the two fold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.","year":2024,"name":"ALABAMA POSTAL CREDIT UNION","phone":2052524812,"website":"www.alabamapostalcu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Randy V Allen","year_formation":1927,"state_legal_domicile":"AL","total_volunteers":8,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO Box 11627 351 24th St N, Birmingham, AL, 35202, USA","city":"Birmingham","state":"AL","country":"USA","zip_code":35202},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":460145,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":460145,"Total revenue":{"value":460145,"Interest on Loans":259576,"Investment Income":188073,"Fees and Charges":12496},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":313899,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":142047,"Current officers":66917,"Disqualified persons":0,"Other salaries and wages":64662,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":10468},"Other expenses":{"value":171852,"Management services":0,"Legal":4302,"Accounting":13113,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":790,"Office expenses":11870,"Information technology":25568,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":1025,"Insurance":7321,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":107863,"Member Share Dividends":83330,"Operating Expenses":22097,"Association Dues":2436},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":5922969,"Non-interest bearing cash":153937,"Savings and temp cash investments":472598,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2178337,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3814,"Land, building, equipment":1158,"Investments publicly traded":0,"Investments other":0,"Investments program related":3103600,"Intangible assets":0,"Other assets":9525},"Liabilities":{"value":3279478,"Sum of Total Liabilities":0,"Accounts payable, accrued":11430,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3268048},"Fund balance":{"value":2643491,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3178259027045823,"percentile":0.8458026294363254},"Liabilities to Assets Ratio":{"score":0.5536881925264171,"percentile":0.12227747434176782},"Operating Reserve Ratio":{"score":18.869027935737293,"percentile":0.9422231132202256},"Officer Compensation Ratio":{"score":0.21318003561655183,"percentile":0.292633087299095},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.015983599573482627,"percentile":0.3093365316750335},"Asset Growth":{"score":-0.029800435562885585,"percentile":0.21377655826873576},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5752849012270718,"percentile":0.5325596059341854}},"source_xml":"202521299349301797_public.xml"},{"Organization":{"value":null,"Person":["Randy V Allen","James A Schilling","Billy W Lawley","Leon Henderson","Mark Lashley","Lillian Gresham","Solomon Mitchell","Byron Wesley","Robert Richburg"],"Title":["Manager/CEO","Director, Chairman","Director","Director","Director","Director","Supervisory Committee, Chairman","Supervisory Committee","Supervisory Committee"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[56000,0,0,0,0,0,0,0,0],"Direct compensation":[56000,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative society incorporated for the two fold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.","year":2022,"name":"ALABAMA POSTAL CREDIT UNION","phone":2052524812,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Randy V Allen","year_formation":1927,"state_legal_domicile":"AL","total_volunteers":8,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO Box 11627 351 24th St N, Birmingham, AL, 35202, USA","city":"Birmingham","state":"AL","country":"USA","zip_code":35202},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":264658,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":264658,"Total revenue":{"value":264658,"Interest on Loans":209497,"Investment Income":43233,"Fees and Charges":11928},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":230239,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":149655,"Current officers":56000,"Disqualified persons":0,"Other salaries and wages":82685,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":10970},"Other expenses":{"value":80584,"Management services":0,"Legal":4104,"Accounting":10312,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":603,"Office expenses":10898,"Information technology":11743,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2307,"Insurance":5892,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":34725,"Member Share Dividends":14296,"Operating Expenses":19162,"Association Dues":1267},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":5604390,"Non-interest bearing cash":214520,"Savings and temp cash investments":446447,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2092588,"Inventories for sale or use":0,"Prepaid expenses deferred charges":12549,"Land, building, equipment":1067,"Investments publicly traded":0,"Investments other":0,"Investments program related":2837219,"Intangible assets":0,"Other assets":0},"Liabilities":{"value":3250748,"Sum of Total Liabilities":0,"Accounts payable, accrued":9887,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3240861},"Fund balance":{"value":2353642,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.13005085808855202,"percentile":0.6709228380336272},"Liabilities to Assets Ratio":{"score":0.5800360074869879,"percentile":0.11639590943131559},"Operating Reserve Ratio":{"score":24.341618926419937,"percentile":0.9574316946627086},"Officer Compensation Ratio":{"score":0.24322551783147078,"percentile":0.24964799342823388},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.06484486699070029,"percentile":0.1921636708810082},"Asset Growth":{"score":-0.027229452038575786,"percentile":0.2217601246149589},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5291729973226252,"percentile":0.3982064973823005}},"source_xml":"202341049349301444_public.xml"},{"Organization":{"value":null,"Person":["BILLY W LAWLEY","JOSEPH GUARINO","JAMES A SCHILLING","LEON HENDERSON","BILLY DARTY","HERSHELL BUCKNER","TYRONE BELCHER","ANTHONY AUSTIN"],"Title":["MANAGERCEO - SECRETARYTREASURER","DIRECTOR - VICE PRESIDENT","DIRECTOR - CHAIRMAN","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[64258,0,0,0,0,0,0,0],"Direct compensation":[64258,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative society incorporated for the two fold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest","year":2014,"name":"ALABAMA POSTAL CREDIT UNION ALABAMA POSTAL CREDIT UNION","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"BILLY LAWLEY","year_formation":1927,"state_legal_domicile":"AL","total_volunteers":9,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"P O BOX 11627, BIRMINGHAM, AL, 35202, USA","city":"BIRMINGHAM","state":"AL","country":"USA","zip_code":35202},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":413838,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":413838,"Total revenue":{"value":413838,"INTEREST ON LOANS":373500,"FEES AND CHARGES":26298,"INVESTMENT INCOME":13861,"MISC INCOME":179},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":314368,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":200769,"Current officers":64258,"Disqualified persons":0,"Other salaries and wages":122430,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":14081},"Other expenses":{"value":113599,"Management services":0,"Legal":8148,"Accounting":8626,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":567,"Office expenses":10203,"Information technology":17775,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":4153,"Insurance":6458,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":57041,"PROVISION FOR LOAN LOSSES":-27590,"MEMBER SHARE DIVIDENDS":57449,"OPERATING EXPENSES":27182},"All other expenses":628},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":7578851,"Non-interest bearing cash":199183,"Savings and temp cash investments":505585,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2925123,"Inventories for sale or use":0,"Prepaid expenses deferred charges":12802,"Land, building, equipment":19265,"Investments publicly traded":0,"Investments other":0,"Investments program related":3911609,"Intangible assets":0,"Other assets":5284},"Liabilities":{"value":5474763,"Sum of Total Liabilities":0,"Accounts payable, accrued":1500,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":5473263},"Fund balance":{"value":2104088,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2403597542999918,"percentile":0.793115873282112},"Liabilities to Assets Ratio":{"score":0.7223737476828611,"percentile":0.09023459072190458},"Operating Reserve Ratio":{"score":24.10821394035016,"percentile":0.9569252539125377},"Officer Compensation Ratio":{"score":0.20440375610749187,"percentile":0.3067265366802325},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.538454969151725,"percentile":0.4240093208860201}},"source_xml":"201530869349300023_public.xml"},{"Organization":{"value":null,"Person":["Randy V Allen","James A Schilling","Billy W Lawley","Leon Henderson","Mark Lashley","Lillian Gresham","Solomon Mitchell","Byron Wesley","Robert Richburg"],"Title":["Manager/CEO","Director, Chairman","Director","Director","Director","Director","Supervisory Committee, Chairman","Supervisory Committee","Supervisory Committee"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[60125,0,0,0,0,0,0,0,0],"Direct compensation":[60125,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative society incorporated for the two fold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.","year":2023,"name":"ALABAMA POSTAL CREDIT UNION","phone":2052524812,"website":"www.alabamapostalcu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Randy V Allen","year_formation":1927,"state_legal_domicile":"AL","total_volunteers":8,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO Box 11627 351 24th St N, Birmingham, AL, 35202, USA","city":"Birmingham","state":"AL","country":"USA","zip_code":35202},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":437267,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":437267,"Total revenue":{"value":437267,"Interest on Loans":263665,"Investment Income":160350,"Fees and Charges":13252},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":293664,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":153692,"Current officers":60125,"Disqualified persons":0,"Other salaries and wages":82291,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":11276},"Other expenses":{"value":139972,"Management services":0,"Legal":5357,"Accounting":11115,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":581,"Office expenses":12477,"Information technology":23748,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":1476,"Insurance":6381,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":78837,"Member Share Dividends":60603,"Operating Expenses":16949,"Association Dues":1285},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":5866272,"Non-interest bearing cash":140937,"Savings and temp cash investments":512202,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2221253,"Inventories for sale or use":0,"Prepaid expenses deferred charges":4081,"Land, building, equipment":1330,"Investments publicly traded":0,"Investments other":0,"Investments program related":2980409,"Intangible assets":0,"Other assets":6060},"Liabilities":{"value":3369027,"Sum of Total Liabilities":0,"Accounts payable, accrued":8987,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3360040},"Fund balance":{"value":2497245,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3284103305303167,"percentile":0.8515951420502543},"Liabilities to Assets Ratio":{"score":0.5743046009458818,"percentile":0.1176212610593003},"Operating Reserve Ratio":{"score":19.976135992154298,"percentile":0.9458848051405555},"Officer Compensation Ratio":{"score":0.20474079219788602,"percentile":0.30619468075702294},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.03511623552281509,"percentile":0.25383477642264474},"Asset Growth":{"score":-0.029749974213961156,"percentile":0.21392683188727685},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5716156559240901,"percentile":0.5217080371643532}},"source_xml":"202411209349301386_public.xml"},{"Organization":{"value":null,"Person":["Billy W Lawley","James A Schilling","Joseph Guarino","Leon Henderson","Billy Darty","Lillian Gresham","Byron Wesley","Solomon Mitchell"],"Title":["Manager CEO","Chairman","Director","Director","Director","Supervisor Committee","Supervisory Committee","Supervisory Committee"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[64000,0,0,0,0,0,0,0],"Direct compensation":[64000,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative society incorporated for the two fold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.","year":2020,"name":"ALABAMA POSTAL CREDIT UNION","phone":2052524812,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1927,"state_legal_domicile":"AL","total_volunteers":5,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"PO Box 11627, Birmingham, AL, 35202, USA","city":"Birmingham","state":"AL","country":"USA","zip_code":35202},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":313754,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":313754,"Total revenue":{"value":313754,"Interest on Loan s":260257,"Investment Income":46184,"Fees & Charges":7313},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":259363,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":143806,"Current officers":64000,"Disqualified persons":0,"Other salaries and wages":69251,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":10555},"Other expenses":{"value":115557,"Management services":0,"Legal":0,"Accounting":10133,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":506,"Office expenses":14301,"Information technology":11885,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2305,"Insurance":6023,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":70404,"Provision for Loan Losses":0,"Member Share Dividends":53443,"Operating Expenses":16961},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":7044162,"Non-interest bearing cash":205396,"Savings and temp cash investments":538535,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2121415,"Inventories for sale or use":0,"Prepaid expenses deferred charges":13229,"Land, building, equipment":3806,"Investments publicly traded":0,"Investments other":0,"Investments program related":4159805,"Intangible assets":0,"Other assets":1976},"Liabilities":{"value":4727846,"Sum of Total Liabilities":0,"Accounts payable, accrued":6260,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":4721586},"Fund balance":{"value":2316316,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.17335555881359282,"percentile":0.7275635924012963},"Liabilities to Assets Ratio":{"score":0.6711722416378272,"percentile":0.09859369290090834},"Operating Reserve Ratio":{"score":27.159471474342908,"percentile":0.9628772463203725},"Officer Compensation Ratio":{"score":0.24675840424424456,"percentile":0.24515285851802182},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.04934290279392564,"percentile":0.22126482879605},"Asset Growth":{"score":-0.017863357121245104,"percentile":0.2530588110945667},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4736537310989714,"percentile":0.2603662559447946}},"source_xml":"202101339349304645_public.xml"},{"Organization":{"value":null,"Person":["BILLY W LAWLEY","JOSEPH GUARINO","JAMES A SCHILLING","LEON HENDERSON","BILLY DARTY","HERSHELL BUCKNER","TYRONE BELCHER","ANTHONY AUSTIN","SARA MCGILL"],"Title":["MANAGERCEO-SECRETARYTREASURER","DIRECTOR-VICE CHAIRMAN","DIRECTOR-CHAIRMAN","DIRECTOR","DIRECTOR","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","SUPERVISORY COMMITTEE","FORMER MANAGERCEO"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,0,0],"Total Compensation":[48102,0,0,0,0,0,0,0,17643],"Direct compensation":[48102,0,0,0,0,0,0,0,17643],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative credit union","year":2013,"name":"ALABAMA POSTAL CREDIT UNION","phone":null,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"BILLY W LAWLEY","year_formation":1927,"state_legal_domicile":"AL","total_volunteers":11,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"P O BOX 11627, BIRMINGHAM, AL, 35202, USA","city":"BIRMINGHAM","state":"AL","country":"USA","zip_code":35202},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":4,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":461436,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":461436,"Total revenue":{"value":461436,"INTEREST ON LOANS":421555,"FEES AND CHARGES":21596,"INVESTMENT INCOME":13515,"MISC INCOME":4770},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":399795,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":132944,"Current officers":48102,"Disqualified persons":0,"Other salaries and wages":70957,"Pension plan contributions":0,"Other employee benefits":5750,"Payroll taxes":8135},"Other expenses":{"value":266851,"Management services":0,"Legal":10593,"Accounting":15354,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":482,"Office expenses":5640,"Information technology":6516,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":1979,"Insurance":2196,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":210265,"PROVISION FOR LOAN LOSS":100526,"MEMBER SHARE DIVIDENDS":66096,"OPERATING EXPENSES":26004,"TRAINING - CU COMPLIANCE":17639},"All other expenses":13826},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":8168900,"Non-interest bearing cash":376309,"Savings and temp cash investments":3407462,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":3183450,"Inventories for sale or use":0,"Prepaid expenses deferred charges":12562,"Land, building, equipment":16992,"Investments publicly traded":0,"Investments other":0,"Investments program related":1153444,"Intangible assets":0,"Other assets":18681},"Liabilities":{"value":6164282,"Sum of Total Liabilities":0,"Accounts payable, accrued":3400,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":6160882},"Fund balance":{"value":2004618,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.13358515590461081,"percentile":0.6760425941864141},"Liabilities to Assets Ratio":{"score":0.7546036798100111,"percentile":0.0853686214937573},"Operating Reserve Ratio":{"score":20.432721769907076,"percentile":0.9473089423977201},"Officer Compensation Ratio":{"score":0.1644467789742243,"percentile":0.3804528052347516},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":0.8,"percentile":0.1938826265975589},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5166657266535505,"percentile":0.36457987318171425}},"source_xml":"201421159349300447_public.xml"},{"Organization":{"value":null,"Person":["Billy W Lawley","Randy V Allen","James A Schilling","Leon Henderson","Mark Lashley","Lillian Gresham","Solomon Mitchell","Byron Wesley","Robert Richburg","Bill Darty","Joseph Guarino"],"Title":["Director, Former Manager/CEO through 9/30/21","Manager/CEO As of 10/01/21","Director, Chairman","Director","Director","Director","Supervisory Committee, Chairman","Supervisory Committee","Supervisory Committee","Director through June 2021","Director through June 2021"],"Hours":[40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[48123,13503,0,0,0,0,0,0,0,0,0],"Direct compensation":[48123,13503,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative society incorporated for the two fold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.","year":2021,"name":"ALABAMA POSTAL CREDIT UNION","phone":2052524812,"website":null,"type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Randy V Allen","year_formation":1927,"state_legal_domicile":"AL","total_volunteers":0,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"PO Box 11627 351 24th St N, Birmingham, AL, 35202, USA","city":"Birmingham","state":"AL","country":"USA","zip_code":35202},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":244815,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":244815,"Total revenue":{"value":244815,"Interest on Loans":218545,"Investment Income":17209,"Fees and Charges":9061},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":241908,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":152076,"Current officers":61626,"Disqualified persons":0,"Other salaries and wages":78889,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":11561},"Other expenses":{"value":89832,"Management services":0,"Legal":3187,"Accounting":18097,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":585,"Office expenses":11464,"Information technology":11782,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":2179,"Insurance":5800,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":36738,"Member Share Dividends":12432,"Operating Expenses":19340,"Association Dues":4966},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":7047472,"Non-interest bearing cash":159757,"Savings and temp cash investments":614170,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":1913028,"Inventories for sale or use":0,"Prepaid expenses deferred charges":13194,"Land, building, equipment":1627,"Investments publicly traded":0,"Investments other":0,"Investments program related":4345216,"Intangible assets":0,"Other assets":480},"Liabilities":{"value":4728249,"Sum of Total Liabilities":0,"Accounts payable, accrued":6330,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":4721919},"Fund balance":{"value":2319223,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.011874272409778813,"percentile":0.43024823918581184},"Liabilities to Assets Ratio":{"score":0.6709141944799497,"percentile":0.09863711893653736},"Operating Reserve Ratio":{"score":29.13286042627776,"percentile":0.9659423647792083},"Officer Compensation Ratio":{"score":0.2547497395704152,"percentile":0.2352527194735945},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.06509700155456351,"percentile":0.1917465202215882},"Asset Growth":{"score":-0.01632682174917479,"percentile":0.2582564279119789},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.4848081017829742,"percentile":0.28551592947980187}},"source_xml":"202201239349302330_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Randy V Allen","James A Schilling","Billy W Lawley","Leon Henderson","Mark Lashley","Lillian Gresham","Solomon Mitchell","Byron Wesley","Robert Richburg"],"Title":["Manager/CEO","Director, Chairman","Director","Director","Director","Director","Supervisory Committee, Chairman","Supervisory Committee","Supervisory Committee"],"Hours":[40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[66917,0,0,0,0,0,0,0,0],"Direct compensation":[66917,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Cooperative society incorporated for the two fold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.","year":2024,"name":"ALABAMA POSTAL CREDIT UNION","phone":2052524812,"website":"www.alabamapostalcu.com","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"Randy V Allen","year_formation":1927,"state_legal_domicile":"AL","total_volunteers":8,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO Box 11627 351 24th St N, Birmingham, AL, 35202, USA","city":"Birmingham","state":"AL","country":"USA","zip_code":35202},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":5,"Number of independent voting members":5,"Number of employees total":4,"Total Gross UBI":0,"Net unrelated business taxable income":0,"Number of employees":4,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":460145,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":460145,"Total revenue":{"value":460145,"Interest on Loans":259576,"Investment Income":188073,"Fees and Charges":12496},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":0,"Investment income total":0,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":0,"Other total":0,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":313899,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":142047,"Current officers":66917,"Disqualified persons":0,"Other salaries and wages":64662,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":10468},"Other expenses":{"value":171852,"Management services":0,"Legal":4302,"Accounting":13113,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":790,"Office expenses":11870,"Information technology":25568,"Royalties":0,"Occupancy":0,"Travel":0,"Conferences and meetings":0,"Interest":0,"Payments to affiliates":0,"Depreciation and depletion":1025,"Insurance":7321,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":107863,"Member Share Dividends":83330,"Operating Expenses":22097,"Association Dues":2436},"All other expenses":0},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":0,"Fundraising Expenses":0}},"Assets":{"value":5922969,"Non-interest bearing cash":153937,"Savings and temp cash investments":472598,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":2178337,"Inventories for sale or use":0,"Prepaid expenses deferred charges":3814,"Land, building, equipment":1158,"Investments publicly traded":0,"Investments other":0,"Investments program related":3103600,"Intangible assets":0,"Other assets":9525},"Liabilities":{"value":3279478,"Sum of Total Liabilities":0,"Accounts payable, accrued":11430,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":3268048},"Fund balance":{"value":2643491,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.3178259027045823,"percentile":0.8458026294363254},"Liabilities to Assets Ratio":{"score":0.5536881925264171,"percentile":0.12227747434176782},"Operating Reserve Ratio":{"score":18.869027935737293,"percentile":0.9422231132202256},"Officer Compensation Ratio":{"score":0.21318003561655183,"percentile":0.292633087299095},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":-0.015983599573482627,"percentile":0.3093365316750335},"Asset Growth":{"score":-0.029800435562885585,"percentile":0.21377655826873576},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.5752849012270718,"percentile":0.5325596059341854}},"source_xml":"202521299349301797_public.xml"},"sector":"Public, Societal Benefit","donation_categories":[],"zakat_policy":null},"error":null}