NAHEOLA CREDIT UNION: Form 990, tax year 2015

View the entire original 990 at ProPublica ↗

Organization: NAHEOLA CREDIT UNION (EIN 63-0416876)
Tax period: 2015-01-01 to 2015-12-31
Filed: 2016-04-25
IRS object ID: 201641169349300409
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	2016-04-25T09:27:26-05:00	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	630416876	EIN

Business Name BusinessName

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

Field	Value	IRS element (for citing)
Business Name Control	NAHE	BusinessNameControlTxt
Phone	2056542370	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 102	AddressLine1Txt
City	PENNINGTON	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	369160102	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	MARK JOHNSON	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	2056542370	PhoneNum
Signature	2016-04-17	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	2016-04-17	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	MARK JOHNSON	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO BOX 102	AddressLine1Txt
City	PENNINGTON	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	369160102	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$4,228,154	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.NAHEOLA.COM	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1959	FormationYr
Legal Domicile State	AL	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE THRIFT AND LOW COST LOANS TO MEMBERS	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	23	TotalEmployeeCnt
Total Volunteers	13	TotalVolunteersCnt
Total Gross UBI	$12,420	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$2,404	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$2,492,036	PYProgramServiceRevenueAmt
CY Program Service Revenue	$2,713,260	CYProgramServiceRevenueAmt
PY Investment Income	$356,325	PYInvestmentIncomeAmt
CY Investment Income	$395,093	CYInvestmentIncomeAmt
PY Other Revenue	$957,117	PYOtherRevenueAmt
CY Other Revenue	$1,087,400	CYOtherRevenueAmt
PY Total Revenue	$3,805,478	PYTotalRevenueAmt
CY Total Revenue	$4,195,753	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	$1,197,770	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$1,262,025	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$1,965,042	PYOtherExpensesAmt
CY Other Expenses	$2,032,350	CYOtherExpensesAmt
PY Total Expenses	$3,162,812	PYTotalExpensesAmt
CY Total Expenses	$3,294,375	CYTotalExpensesAmt
PY Revenues Less Expenses	$642,666	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$901,378	CYRevenuesLessExpensesAmt
Total Assets BOY	$80,875,790	TotalAssetsBOYAmt
Total Assets EOY	$82,348,883	TotalAssetsEOYAmt
Total Liabilities BOY	$63,486,243	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$64,168,177	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$17,389,547	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$18,180,706	NetAssetsOrFundBalancesEOYAmt
Mission	TO PROVIDE THRIFT AND LOW COST LOANS TO MEMBERS	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	6,689 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	1767	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	23	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	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	Yes (1)	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	0	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	0	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	JEFFREY HASTY COO	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	2056542370	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	5480 MAIN STREET	AddressLine1Txt
City	PENNINGTON	CityNm
State Abbreviation	AL	StateAbbreviationCd
ZIP	36916	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
BILL ADAMS
DIRECTOR	1.00	Yes (X)	$0	$0	$0
JOEY MCILWAIN
DIRECTOR, SECRETARY	1.00	Yes (X)	$0	$0	$0
JOHNNY CARROLL
DIRECTOR	1.00	Yes (X)	$0	$0	$0
MACK BARKLEY
DIRECTOR	1.00	Yes (X)	$0	$0	$0
EVAN MCDONALD
VICE CHAIRPERSON	1.00	Yes (X)	$0	$0	$0
PAUL JENKINS
DIRECTOR - PART YEAR	1.00	Yes (X)	$0	$0	$0
JOHN RAMSEY
CHAIRPERSON	1.00	Yes (X)	$0	$0	$0
CORY MARTIN
DIRECTOR	1.00	Yes (X)	$0	$0	$0
MARK JOHNSON
CEO	40.00		$156,838	$0	$19,794	Yes (X)
JEFFREY HASTY
COO	40.00		$87,946	$0	$8,647	Yes (X)
NECHIA SHARPE
VICE PRESIDENT	40.00		$60,231	$0	$7,670	Yes (X)
LESLIE DAVIS
VICE PRESIDENT	40.00		$52,602	$0	$13,875	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$357,617	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$49,986	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	1	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	255 FISERV DRIVE	AddressLine1Txt
City	BROOKFIELD	CityNm
State Abbreviation	WI	StateAbbreviationCd
ZIP	53045	ZIPCd

Field	Value	IRS element (for citing)
Services	TECHNOLOGY	ServicesDesc
Compensation	$445,939	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	$2,713,260	TotalRevenueColumnAmt
Related Or Exempt Func Income	$2,713,260	RelatedOrExemptFuncIncomeAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$2,713,260	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$427,494	TotalRevenueColumnAmt
Exclusion	$427,494	ExclusionAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$32,401	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$32,401	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$32,401	TotalRevenueColumnAmt
Exclusion	-$32,401	ExclusionAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
NSF FEES	522130	$672,875	$672,875
OTHER INCOME	522130	$352,024	$352,024
LATE FEES	522130	$48,976	$48,976

Miscellaneous Revenue MiscellaneousRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$13,525	TotalRevenueColumnAmt
Related Or Exempt Func Income	$1,105	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$12,420	UnrelatedBusinessRevenueAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$1,087,400	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$4,195,753	TotalRevenueColumnAmt
Related Or Exempt Func Income	$3,788,240	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$12,420	UnrelatedBusinessRevenueAmt
Exclusion	$395,093	ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$407,602	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$567,150	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$82,869	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$134,383	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$70,021	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$11,000	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$28,347	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,250	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$35,515	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$215,282	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$455,263	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$95,845	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$45,605	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$24,442	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$466,327	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$188,669	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$6,581	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
UBIT EXPENSE ON FORM 99	$318
CHECK AND LOAN SERVICIN	$149,463
DATA PROCESSING	$106,781
BAD DEBT	$106,408

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$95,254	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$3,294,375	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$832,051	BOYAmt
EOY	$461,157	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$24,865,158	BOYAmt
EOY	$24,653,831	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$44,057,109	BOYAmt
EOY	$48,335,384	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$686,888	BOYAmt
EOY	$472,742	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$4,404,693	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$1,738,110	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$2,847,251	BOYAmt
EOY	$2,666,583	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$5,376,875	BOYAmt
EOY	$3,417,519	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$2,210,458	BOYAmt
EOY	$2,341,667	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$80,875,790	BOYAmt
EOY	$82,348,883	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$681,250	BOYAmt
EOY	$647,409	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$62,804,993	BOYAmt
EOY	$63,520,768	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$63,486,243	BOYAmt
EOY	$64,168,177	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	$17,389,547	BOYAmt
EOY	$18,180,706	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$17,389,547	BOYAmt
EOY	$18,180,706	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$80,875,790	BOYAmt
EOY	$82,348,883	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$901,378	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$24,532	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	-$85,687	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	$406,500	OtherCostOrOtherBasisAmt
Book Value	$406,500	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$3,108,192	OtherCostOrOtherBasisAmt
Depreciation	$1,002,185	DepreciationAmt
Book Value	$2,106,007	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$890,001	OtherCostOrOtherBasisAmt
Depreciation	$735,925	DepreciationAmt
Book Value	$154,076	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$2,666,583	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER DEPOSITS	Desc
Amt	$63,520,768	Amt

Field	Value	IRS element (for citing)
Total Liability	$63,520,768	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
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	MARK JOHNSON	PersonNm
Title	CEO	TitleTxt
Base Compensation Filing Org	$156,838	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	$5,840	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$13,954	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$176,632	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 (13 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 2	MACK BARKLEY, BOARD MEMBER, IS MARRIED TO LYNETTE BARKLEY, SUPERVISORY COMMITTEE MEMBER, NON-COMPENSATED POSITION. ALL RELATED BOARD MEMBERS ABSTAIN FROM VOTING ON ALL ISSUES CONCERNING THE RESPECTIVE RELATED EMPLOYEE OR COMMITTEE MEMBER.
FORM 990, PART VI, SECTION A, LINE 6	NAHEOLA 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 BE A CITIZEN OF CHOCTAW, MARENGO, WASHINGTON, CLARKE, SUMTER, HALE, PERRY, GREENE, MOBILE, ESCAMBIA OR BALDWIN COUNTY IN THE STATE OF ALABAMA.
FORM 990, PART VI, SECTION A, LINE 7A	MEMBERS OF THE CREDIT UNION ELECT MEMBERS OF THE GOVERNING BODY AT THE ANNUAL MEETING BY PLURALITY VOTE.
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 10B	BRANCHES OF THE NAHEOLA CREDIT UNION FOLLOW THE SAME POLICIES AS THE MAIN OFFICE AND UNDERSTAND THAT BRANCH ACTIONS ARE SUBJECT TO MAIN OFFICE APPROVAL; HOWEVER, THERE IS NO WRITTEN POLICY.
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 ARE TO MAKE THE ORGANIZATION AWARE OF ANY POTENTIAL CONFLICTS OF INTEREST AS THEY ARISE. THE LEAGUE OF SOUTHEASTERN CREDIT UNIONS ALSO EXAMINES THE CREDIT UNION ACCOUNTS ANNUALY FOR POTENTIAL CONFLICTS TO SUPPORT THE CREDIT UNION'S MONITORING EFFORTS.
FORM 990, PART VI, SECTION B, LINE 15	COMPENSATION FOR OFFICERS, KEY EMPLOYEES AND TOP MANAGEMENT OFFICIALS IS DETERMINED ON A YEARLY BASIS. BEFORE COMPENSATION IS SET, THE BOARD OF DIRECTORS EXAMINES THE TYPE AND AMOUNT OF WORK PERFORMED BY THE EMPLOYEES WHILE TAKING INTO ACCOUNT THE CREDIT UNION'S PRIOR YEAR INCOME. THE BOARD USES NATIONAL PEER GROUP SALARY GUIDES PROVIDED BY CUNA AS AN INDEPENDENT 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:	PENSION PLAN ADJUSTMENT -85,687.
FORM 990, PART XII, LINE 2C:	THE CREDIT UNION HAS MARCH 31 YEAR END AUDITED FINANCIALS PREPARED BY AN INDEPENDENT CPA. ON A YEARLY BASIS, THE NATIONAL CREDIT UNION ADMINISTRATION AND THE ALABAMA CREDIT UNION ADMINISTRATION EXAMINE THE FINANCIAL STATEMENTS OF THE CREDIT UNION.
SECTION 1.263(A)-1(F) DE MINIMIS SAFE HARBOR ELECTION	NAHEOLA CREDIT UNION PO BOX 102 PENNINGTON, AL 36916-0102 EMPLOYER IDENTIFICATION NUMBER: 63-0416876 FOR THE YEAR ENDING DECEMBER 31, 2015 NAHEOLA 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	NAHEOLA CREDIT UNION PO BOX 102 PENNINGTON, AL 36916-0102 EMPLOYER IDENTIFICATION NUMBER: 63-0416876 FOR THE YEAR ENDING DECEMBER 31, 2015 NAHEOLA CREDIT UNION IS MAKING THE ELECTION TO CAPITALIZE REPAIR AND MAINTENANCE COSTS UNDER REG. SEC. 1.263(A)-3(N).