FORT MCCLELLAN CREDIT UNION: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: FORT MCCLELLAN CREDIT UNION (EIN 63-0346919)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-05-04
IRS object ID: 201601259349301240
Schema version: 2015v2.1
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2016-05-04T14:34:26-05:00	ReturnTs
Tax Period End	2015-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	461498870	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	BARFIELD MURPHY SHANK & SMITH LLC	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	1121 RIVERCHASE OFFICE RD	AddressLine1Txt
City	BIRMINGHAM	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	35244	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2015-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	630346919	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	FORT MCCLELLAN CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	FORT	BusinessNameControlTxt
Phone	2562372113	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1731 NOBLE STREET	AddressLine1Txt
City	ANNISTON	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	36201	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	KEVIN FORD	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	2562378402	PhoneNum
Signature	2016-05-03	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	CYNTHIA A HUDSON CPA	PreparerPersonNm
PTIN	P00029332	PTIN
Phone	2059825500	PhoneNum
Preparation	2016-05-03	PreparationDt

Field	Value	IRS element (for citing)
Tax	2015	TaxYr
Build TS	2016-09-27 15:27:22Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	KEVIN FORD	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1731 NOBLE STREET	AddressLine1Txt
City	ANNISTON	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	36201	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$7,350,813	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.FORTMCCLELLANCU.ORG	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1953	FormationYr
Legal Domicile State	AL	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS.	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	54	TotalEmployeeCnt
Total Volunteers	12	TotalVolunteersCnt
Total Gross UBI	$1,000	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$1,417	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$4,711,991	PYProgramServiceRevenueAmt
CY Program Service Revenue	$4,881,731	CYProgramServiceRevenueAmt
PY Investment Income	$645,708	PYInvestmentIncomeAmt
CY Investment Income	$864,305	CYInvestmentIncomeAmt
PY Other Revenue	$1,627,226	PYOtherRevenueAmt
CY Other Revenue	$1,604,777	CYOtherRevenueAmt
PY Total Revenue	$6,984,925	PYTotalRevenueAmt
CY Total Revenue	$7,350,813	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$1,892,451	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,890,192	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$3,762,396	PYOtherExpensesAmt
CY Other Expenses	$3,873,644	CYOtherExpensesAmt
PY Total Expenses	$5,654,847	PYTotalExpensesAmt
CY Total Expenses	$5,763,836	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,330,078	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,586,977	CYRevenuesLessExpensesAmt
Total Assets BOY	$205,234,592	TotalAssetsBOYAmt
Total Assets EOY	$214,348,248	TotalAssetsEOYAmt
Total Liabilities BOY	$178,661,082	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$186,041,143	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$26,573,510	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$28,307,105	NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part III	Yes (X)	InfoInScheduleOPartIIIInd
Mission	THE FORT MCCLELLAN CREDIT UNION IS A MEMBER OWNED AND CONTROLLED FINANCIAL INSTITUTION WHOSE PURPOSE IS TO MAXIMIZE MEMBER BENEFITS BY PROVIDING COST EFFECTIVE FINANCIAL SERVICES TO MEET THEIR NEEDS; TO ENDEAVOR TO EXPAND BOTH MEMBERSHIP AND SERVICES WHILE MAINTAINING FINANCIAL SOUNDNESS; AND TO PROMOTE THE PRINCIPLES OF THE CREDIT UNION MOVEMENT AT FORT MCCLELLAN AND THE SURROUNDING COMMUNITY.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	23,174 MEMBERS SERVED TO PROMOTE THRIFT OPPORTUNITIES AND LOW COST LOANS	Desc
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	0	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	4407	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	54	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	0	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	LYNDA DAVIS COO	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	2562372113	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1731 NOBLE STREET	AddressLine1Txt
City	ANNISTON	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	36201	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (12 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
ROBERT DAVID DOYLE
DIRECTOR	2.50	Yes (X)	$0	$0	$0
ELMER WHEATLEY JR
CHAIRMAN	2.50	Yes (X)	$0	$0	$0
SYBIL BORDEN
1ST VICE CHAIRMAN	2.50	Yes (X)	$0	$0	$0
JOSEPH ROBERSON
DIRECTOR	2.50	Yes (X)	$0	$0	$0
NORMAN COLE
SECRETARY	2.50	Yes (X)	$0	$0	$0
RICHARD PATTY
DIRECTOR	2.50	Yes (X)	$0	$0	$0
PENN WILSON
DIRECTOR	2.50	Yes (X)	$0	$0	$0
HERSCHEL HARRIS
2ND VICE CHAIRMAN	2.50	Yes (X)	$0	$0	$0
SCOTT BOLTON
DIRECTOR	2.50	Yes (X)	$0	$0	$0
SUSAN WALL
NON-VOTING ASSOC. DIRECTOR	2.50	Yes (X)	$0	$0	$0
LYNDA DAVIS
COO	45.00		$143,935	$0	$25,202	Yes (X)
KEVIN FORD
CEO	50.00		$142,192	$0	$5,691	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$286,127	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$30,893	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	2	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp

Contractor Name ContractorName

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	FISERV	BusinessNameLine1Txt

Contractor Address ContractorAddress

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 300016	AddressLine1Txt
City	DULUTH	CityNm
State Abbreviation	GA	StateAbbreviationCd
ZIP	300960300	ZIPCd

Field	Value	IRS element (for citing)
Services	ATM, CARD, & STMT PROCESSING	ServicesDesc
Compensation	$542,769	CompensationAmt

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	1	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp

Field	Value	IRS element (for citing)
Desc	LOAN INTEREST INCOME	Desc
Business	522130	BusinessCd
Total Revenue Column	$4,881,731	TotalRevenueColumnAmt
Related Or Exempt Func Income	$4,881,731	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$4,881,731	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$864,305	TotalRevenueColumnAmt
Exclusion	$864,305	ExclusionAmt

Royalties Revenue RoyaltiesRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$30,928	TotalRevenueColumnAmt
Exclusion	$30,928	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
ACCOUNT, LOAN AND INTE	522130	$1,461,406	$1,461,406
OTHER INCOME	522130	$111,443	$111,443
WARRANTY INSURANCE	524298	$1,000		$1,000

Field	Value	IRS element (for citing)
Other Revenue Total	$1,573,849	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$7,350,813	TotalRevenueColumnAmt
Related Or Exempt Func Income	$6,454,580	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$1,000	UnrelatedBusinessRevenueAmt
Exclusion	$895,233	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$317,020	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$1,196,033	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$100,987	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$157,354	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$118,798	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$17,595	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$51,926	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$192,670	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$146,208	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$200,898	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$179,265	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$4,932	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$23,724	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$1,088,964	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$240,176	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
BAD DEBTS	$541,600
ATM EXPENSE	$375,271
CHECK AND LOAN SERVICIN	$348,752
MISCELLANEOUS	$247,285

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$214,378	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$5,763,836	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$2,206,269	BOYAmt
EOY	$2,140,047	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$101,866,885	BOYAmt
EOY	$105,259,159	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$89,855,211	BOYAmt
EOY	$95,250,879	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$756,588	BOYAmt
EOY	$141,993	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$7,046,229	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,527,895	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$4,740,102	BOYAmt
EOY	$5,518,334	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$112,677	BOYAmt
EOY	$139,511	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$5,696,860	BOYAmt
EOY	$5,898,325	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$205,234,592	BOYAmt
EOY	$214,348,248	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$555,312	BOYAmt
EOY	$622,090	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$178,105,770	BOYAmt
EOY	$185,419,053	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$178,661,082	BOYAmt
EOY	$186,041,143	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$26,573,510	BOYAmt
EOY	$28,307,105	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$26,573,510	BOYAmt
EOY	$28,307,105	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$205,234,592	BOYAmt
EOY	$214,348,248	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$1,586,977	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$146,618	OtherChangesInNetAssetsAmt
Info In Schedule O Part XII	Yes (X)	InfoInScheduleOPartXIIInd
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,740,711	OtherCostOrOtherBasisAmt
Book Value	$1,740,711	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,511,169	OtherCostOrOtherBasisAmt
Depreciation	$960,105	DepreciationAmt
Book Value	$3,551,064	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$794,349	OtherCostOrOtherBasisAmt
Depreciation	$567,790	DepreciationAmt
Book Value	$226,559	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$5,518,334	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp (2 entries)

DescDesc	AmtAmt
OTHER LIABILITIES	$306,886
SHARE DEPOSITS	$185,112,167

Field	Value	IRS element (for citing)
Total Liability	$185,419,053	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Compensation Committee	Yes (X)	CompensationCommitteeInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	LYNDA DAVIS	PersonNm
Title	COO	TitleTxt
Base Compensation Filing Org	$143,935	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$0	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$0	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$19,414	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$5,788	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$169,137	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (11 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	FORT MCCELLAN CREDIT UNION IS A NON-PROFIT FINANCIAL INSTITUTION THAT IS OWNED AND OPERATED BY ITS MEMBERS. IN ORDER TO BECOME A MEMBER OF THE CREDIT UNION, AN INDIVIDUAL MUST LIVE, WORK, OR ATTEND SCHOOL IN CALHOUN, CLEBURNE, TALLADEGA, CLAY, RANDOLPH, CHEROKEE, ETOWAH, ST. CLAIR AND CHAMBERS COUNTIES IN THE STATE OF ALABAMA.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS OF THE CREDIT UNION ELECT MEMBERS OF THE GOVERNING BODY BY PLURALITY VOTE AT THE ANNUAL MEETING.
FORM 990, PART VI, SECTION A, LINE 8B	THE CREDIT UNION DOES NOT HAVE COMMITTEES WITH THE RESPONSIBILITY TO ACT ON BEHALF OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11	UPON COMPLETION OF THE CREDIT UNION'S FORM 990, THE RETURN IS PRESENTED TO THE BOARD AT A BOARD OF DIRECTORS MEETING. AT THE MEETING, THE BOARD MEMBERS REVIEW THE TAX RETURN AND ARE FREE TO ASK ANY QUESTIONS OR ENGAGE IN DISCUSSION REGARDING ANY TOPIC COVERED IN THE RETURN. ONCE THE GOVERNING BODY HAS REVIEWED AND APPROVED THE FORM 990, THE RETURN IS FILED WITH THE INTERNAL REVENUE SERVICE.
FORM 990, PART VI, SECTION B, LINE 12C	CREDIT UNION STAFF REVIEW THE CONFLICT OF INTEREST POLICY EACH YEAR WITH THE CREDIT UNION'S MANAGER. AT THIS MEETING, THE STAFF MEMBERS ARE FREE TO ASK ANY QUESTIONS REGARDING THIS POLICY. THE CREDIT UNION MANAGER CONSTANTLY MONITORS THE STAFF TO MAKE SURE EVERYONE IS IN COMPLIANCE WITH THE POLICY. IT IS THE RESPONSIBILITY OF STAFF OR DIRECTORS TO IMMEDIATELY NOTIFY THE CREDIT UNION MANAGERS OF ANY POTENTIAL CONFLICT OF INTEREST. ADDITIONALLY, THE FORT MCCLELLAN CREDIT UNION DOES NOT HIRE FAMILY MEMBERS FOR WORK DONE AT THE CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 15	COMPENSATION FOR THE CEO IS DETERMINED ON A YEARLY BASIS. BEFORE COMPENSATION IS SET, A PERSONNEL COMMITTEE EXAMINES THE TYPE AND AMOUNT OF WORK PERFORMED BY THE CEO WHILE TAKING INTO ACCOUNT THE CREDIT UNION'S PRIOR YEAR INCOME. THE COMMITTEE USES NATIONAL PEER GROUP SALARY GUIDES PROVIDED BY CUNA AS AN INDEPENDENT SALARY GUIDE. THE PERSONNEL COMMITTEE THEN PRESENTS THE SALARY TO THE BOARD OF DIRECTORS FOR APPROVAL. ALL OTHER SALARIES ARE SET BY THE CEO, PENDING BOARD APPROVAL, BASED UPON THE CUNA SALARY GUIDE.
FORM 990, PART VI, SECTION C, LINE 19	THE CREDIT UNION MAKES AVAILABLE ITS FINANCIAL STATEMENTS VIA THE NCUA WEBSITE WHICH CAN BE FOUND AT WWW.NCUA.GOV. OTHER DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
FORM 990, PART XI, LINE 9:	MERGER OF NEARMC FCU CREDIT UNION 146,618.
FORM 990, PART XII, LINE 2:	ON A YEARLY BASIS, THE NATIONAL CREDIT UNION ADMINISTRATION AND THE ALABAMA CREDIT UNION ADMINISTRATION EXAMINE THE FINANCIAL STATEMENTS OF THE CREDIT UNION. ADDITIONALLY, THE LEAGUE OF SOUTHEASTERN CREDIT UNIONS PERFORMS SIMILAR PROCEDURES AND REVIEW OF THE CREDIT UNION'S FINANCIAL STATEMENTS QUARTERLY.
SECTION 1.263(A)-1(F) DE MINIMIS SAFE HARBOR ELECTION	FORT MCCLELLAN CREDIT UNION 1731 NOBLE STREET ANNISTON, AL 36201 EMPLOYER IDENTIFICATION NUMBER: 63-0346919 FOR YEAR ENDING DECEMBER 31, 2015 FORT MCCLELLAN CREDIT UNION IS MAKING THE DE MINIMIS SAFE HARBOR ELECTION UNDER REG. SEC. 1.263(A)-1(F).
SECTION 1.263(A)-3(N) ELECTION	FORT MCCLELLAN CREDIT UNION 1731 NOBLE STREET ANNISTON, AL 36201 EMPLOYER IDENTIFICATION NUMBER: 63-0346919 FOR YEAR ENDING DECEMBER 31, 2015 FORT MCCLELLAN CREDIT UNION IS MAKING THE ELECTION TO CAPITALIZE REPAIR AND MAINTENANCE COSTS UNDER REG. SEC. 1.263(A)-3(N).