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EMBLEM CREDIT UNION

EIN 63-6046132 GADSDEN, AL

Revenue 2024
$33,680,669
Expenses 2024
$30,233,481

As filed

Subsection
14
Classification
1000
Street
702 WALNUT ST

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Group exemption

A subordinate covered by the group exemption of ALABAMA CREDIT UNION ADMINISTRATION (EIN 63-1091725). matched by us

The IRS lists each organization's group exemption number; we match a subordinate to its central organization by that number and the affiliation code the IRS assigns.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • DR MARTHA LAVENDER

    BOARD CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1

  • SONNY KIRBY

    BOARD VICE CHAIRPERSON

    Total calculated
    $0
    Hours/week
    1

  • DR TONY J CATANZARO

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • JOSEPH SAWYER

    BOARD SECRETARY/TREASURER

    Total calculated
    $0
    Hours/week
    1

  • DR RONALD T MOSLEY

    SUPERVISORY COMMITTEE CHAIR

    Total calculated
    $1,415
    From this org
    $0
    From related orgs
    $0
    Other
    $1,415
    Hours/week
    1

  • TONY REDDICK

    BOARD MEMBER

    Total calculated
    $244
    From this org
    $0
    From related orgs
    $0
    Other
    $244
    Hours/week
    1

  • EMILY H MILLS

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • DANNY L GOLDEN

    SUPERVISORY COMMITTEE MBR

    Total calculated
    $2,434
    From this org
    $0
    From related orgs
    $0
    Other
    $2,434
    Hours/week
    1

  • RONALD W BILL LOWMAN

    BOARD MEMBER

    Total calculated
    $0
    Hours/week
    1

  • SABRINA BEVIS

    SUPERVISORY COMMITTEE MBR

    Total calculated
    $0
    Hours/week
    1

  • RON SUMMERALL

    PRESIDENT/CEO - RETIRED DECEMBER 2024

    Total calculated
    $764,236
    From this org
    $697,266
    From related orgs
    $0
    Other
    $66,970
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $459,461
    Bonus
    $187,422
    Other
    $50,383
    Deferred
    $63,167
    Nontaxable benefits
    $3,803
    Filer's total
    $764,236

  • JEFF NAPPER

    VICE PRESIDENT/CFO, CEO - STARTING JANUARY 2025

    Total calculated
    $272,514
    From this org
    $225,574
    From related orgs
    $0
    Other
    $46,940
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $206,397
    Bonus
    $18,625
    Other
    $552
    Deferred
    $26,613
    Nontaxable benefits
    $20,327
    Filer's total
    $272,514

  • GINA CHAMBERS

    VP, OPERATIONS

    Total calculated
    $207,645
    From this org
    $161,216
    From related orgs
    $0
    Other
    $46,429
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $150,656
    Bonus
    $9,528
    Other
    $1,032
    Deferred
    $27,089
    Nontaxable benefits
    $19,340
    Filer's total
    $207,645

  • PAM BOOZER

    ASSISTANT VP, HR DIRECTOR

    Total calculated
    $165,095
    From this org
    $129,809
    From related orgs
    $0
    Other
    $35,286
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $117,650
    Bonus
    $10,575
    Other
    $1,584
    Deferred
    $14,344
    Nontaxable benefits
    $20,942
    Filer's total
    $165,095

  • RACHEL YOUNG

    VP, CONSUMER LENDING

    Total calculated
    $146,531
    From this org
    $108,009
    From related orgs
    $0
    Other
    $38,522
    Hours/week
    40

  • JD HOLT

    FINANCIAL ADVISOR

    Total calculated
    $529,364
    From this org
    $446,725
    From related orgs
    $0
    Other
    $82,639
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $446,485
    Bonus
    $0
    Other
    $240
    Deferred
    $54,346
    Nontaxable benefits
    $28,293
    Filer's total
    $529,364

  • MIKE SELF

    VP, BUSINESS SERVICES

    Total calculated
    $152,252
    From this org
    $115,991
    From related orgs
    $0
    Other
    $36,261
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $104,409
    Bonus
    $11,222
    Other
    $360
    Deferred
    $20,071
    Nontaxable benefits
    $16,190
    Filer's total
    $152,252

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $33,680,669
    Expenses
    $30,233,481
    Contributions
    $0
    Grants paid
    $121,018
  • 2023
    Revenue
    $28,308,124
    Expenses
    $24,087,717
    Contributions
    $0
    Grants paid
    $134,865
  • 2022
    Revenue
    $23,248,388
    Expenses
    $18,657,736
    Contributions
    $0
    Grants paid
    $99,850

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Grants made

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.