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AVADIAN CREDIT UNION

EIN 63-0207315 HOOVER, AL

Largest nonprofits in Alabama

Revenue 2024
$89,963,312
Expenses 2024
$85,268,656

As filed

Subsection
14
Classification
1000
Street
1 RIVERCHASE PKWY S

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.

Mission and programs · 2024

Mission

TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS.

Activities or mission (Part I)

TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS

  • 97,051 MEMBERS SERVED TO PROMOTE THRIFT OPPORTUNITIES AND LOW COST LOANS

As filed on the 2024 return.

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.

  • Terry Davis

    CHAIRMAN

    Total calculated
    $0
    Hours/week
    1
  • Brenda Welborn

    VICE CHAIRMAN

    Total calculated
    $0
    Hours/week
    1
  • Deborah Given

    TREASURER

    Total calculated
    $0
    Hours/week
    1
  • Linda Ruethemann

    SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Bill Hilyer

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Brian Wilson

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Cindy Killen

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Keith Milling

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Matthew Golden

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Michael McGraw

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Reggie Juran

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Linda Cencula

    CEO

    Total calculated
    $507,555
    From this org
    $481,269
    From related orgs
    $0
    Other
    $26,286
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $438,669
    Bonus
    $42,600
    Other
    $0
    Deferred
    $17,081
    Nontaxable benefits
    $9,205
    Filer's total
    $507,555
  • Jeremy Malone

    PRESIDENT/CHIEF EXECUTIVE OFFICER

    Total calculated
    $211,249
    From this org
    $190,515
    From related orgs
    $0
    Other
    $20,734
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $190,515
    Bonus
    $0
    Other
    $0
    Deferred
    $8,250
    Nontaxable benefits
    $12,484
    Filer's total
    $211,249
  • William R Chancellor

    CHIEF LENDING OFFICER

    Total calculated
    $332,931
    From this org
    $250,510
    From related orgs
    $0
    Other
    $82,421
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $245,715
    Bonus
    $4,795
    Other
    $0
    Deferred
    $67,087
    Nontaxable benefits
    $15,334
    Filer's total
    $332,931
  • Adrienne Breckenridge

    CHIEF FINANCIAL OFFICER

    Total calculated
    $287,578
    From this org
    $248,703
    From related orgs
    $0
    Other
    $38,875
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $243,734
    Bonus
    $4,969
    Other
    $0
    Deferred
    $12,917
    Nontaxable benefits
    $25,958
    Filer's total
    $287,578
  • Parker Steele

    CHIEF LEGAL & COMPLIANCE O

    Total calculated
    $285,273
    From this org
    $245,630
    From related orgs
    $0
    Other
    $39,643
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $240,345
    Bonus
    $5,285
    Other
    $0
    Deferred
    $24,616
    Nontaxable benefits
    $15,027
    Filer's total
    $285,273
  • Eric Ham

    CHIEF INFORMATION OFFICER

    Total calculated
    $279,052
    From this org
    $243,913
    From related orgs
    $0
    Other
    $35,139
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $238,655
    Bonus
    $5,258
    Other
    $0
    Deferred
    $10,172
    Nontaxable benefits
    $24,967
    Filer's total
    $279,052
  • Gayla Kuykendall

    SR VICE PRESIDENT OPERATIO

    Total calculated
    $347,461
    From this org
    $208,866
    From related orgs
    $0
    Other
    $138,595
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $204,593
    Bonus
    $4,273
    Other
    $0
    Deferred
    $113,888
    Nontaxable benefits
    $24,707
    Filer's total
    $347,461
  • Donnamarie Tyler

    SENIOR VP OF DEPOSITS AND

    Total calculated
    $230,923
    From this org
    $218,575
    From related orgs
    $0
    Other
    $12,348
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $214,359
    Bonus
    $4,216
    Other
    $0
    Deferred
    $10,791
    Nontaxable benefits
    $1,557
    Filer's total
    $230,923
  • Jeffrey Skipper

    SENIOR VP OF MARKETING & D

    Total calculated
    $243,216
    From this org
    $207,523
    From related orgs
    $0
    Other
    $35,693
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $203,421
    Bonus
    $4,102
    Other
    $0
    Deferred
    $10,725
    Nontaxable benefits
    $24,968
    Filer's total
    $243,216
  • James Dismukes

    AFS PROGRAM MANAGER

    Total calculated
    $358,870
    From this org
    $318,939
    From related orgs
    $0
    Other
    $39,931
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $140,753
    Bonus
    $178,186
    Other
    $0
    Deferred
    $15,359
    Nontaxable benefits
    $24,572
    Filer's total
    $358,870
  • Brandon Watkins

    VP CARD SERVICES AND PAYME

    Total calculated
    $199,848
    From this org
    $188,905
    From related orgs
    $0
    Other
    $10,943
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $188,905
    Bonus
    $0
    Other
    $0
    Deferred
    $9,386
    Nontaxable benefits
    $1,557
    Filer's total
    $199,848
  • Steven Thrasher

    ASSISTANT VP MORTGAGE LEND

    Total calculated
    $239,256
    From this org
    $211,516
    From related orgs
    $0
    Other
    $27,740
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $102,709
    Bonus
    $108,807
    Other
    $0
    Deferred
    $10,776
    Nontaxable benefits
    $16,964
    Filer's total
    $239,256
  • Randall Phillips

    VP COMMERCIAL CREDIT

    Total calculated
    $208,400
    From this org
    $174,623
    From related orgs
    $0
    Other
    $33,777
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $171,030
    Bonus
    $3,593
    Other
    $0
    Deferred
    $8,819
    Nontaxable benefits
    $24,958
    Filer's total
    $208,400
  • Larry Uptain

    COMMERCIAL LOAN MANAGER

    Total calculated
    $195,619
    From this org
    $178,331
    From related orgs
    $0
    Other
    $17,288
    Hours/week
    48

    Schedule J breakdown matched by us

    Base
    $157,856
    Bonus
    $20,475
    Other
    $0
    Deferred
    $8,467
    Nontaxable benefits
    $8,821
    Filer's total
    $195,619

The first 25 listed. 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, and on a Form 990-PF Part VIII's — 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
    $89,963,312
    Expenses
    $85,268,656
    Contributions
    $0
    Grants paid
    $66,500
  • 2023
    Revenue
    $76,914,615
    Expenses
    $69,931,799
    Contributions
    $0
    Grants paid
    $95,437
  • 2022
    Revenue
    $56,357,889
    Expenses
    $49,571,185
    Contributions
    $0
    Grants paid
    $53,995

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.

Other returns filed

  • 2021 · 990

    Revenue
    $50,956,352
    Expenses
    $43,481,121
    Assets (EOY)
    $1,107,599,442
  • 2020 · 990

    Revenue
    $51,125,646
    Expenses
    $47,611,005
    Assets (EOY)
    $1,031,231,296
  • 2019 · 990

    Revenue
    $48,838,263
    Expenses
    $44,033,470
    Assets (EOY)
    $864,803,155
  • 2018 · 990

    Revenue
    $45,493,826
    Expenses
    $38,394,895
    Assets (EOY)
    $785,422,344
  • 2017 · 990

    Revenue
    $42,131,227
    Expenses
    $38,200,511
    Assets (EOY)
    $745,748,118
  • 2016 · 990

    Revenue
    $39,108,253
    Expenses
    $35,812,853
    Assets (EOY)
    $730,885,581
  • 2015 · 990

    Revenue
    $33,048,216
    Expenses
    $29,614,672
    Assets (EOY)
    $618,353,010
  • 2014 · 990

    Revenue
    $32,489,482
    Expenses
    $29,291,623
    Assets (EOY)
    $602,474,262
  • 2013 · 990

    Revenue
    $32,044,415
    Expenses
    $28,310,961
    Assets (EOY)
    $599,008,780
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $28,511,246
    Assets (EOY)
    $595,515,946

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

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.

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

  • AVADIAN FOUNDATION

    501(C)(3) · HELPING COMMUNITIES SERVED BY SUPPORTING THEIR FINANCIAL WELL-BEING · AL

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.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.