BIRMINGHAM, AL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)ECO CREDIT UNION, founded in 1939, is a community nonprofit that reported $7.0M in total revenue in fiscal year 2018. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $6.1M left a modest 13% surplus.
CREDIT UNION - TO PROVIE SERVICES TO APPROXIMATELY 14,830 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $9,301,400 | $9,097,715 | +0.0% |
| Expenses | $8,546,783 | $8,511,690 | +0.0% |
| Net Income | $754,617 | $586,025 | +0.3% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| JOSEPH HAND | CEO | 40.00 |
Key Emp
|
$349,515 | $207,260 | $556,775 |
| JEFFREY JONES | CIO | 40.00 |
Key Emp
|
$155,488 | $63,352 | $218,840 |
| LAVELLE NOBLITT | COO | 40.00 |
Key Emp
|
$158,003 | $28,532 | $186,535 |
| SHELIA DEMBOWSKI | BOARD SECRET | 1.00 |
Director
|
$0 | $0 | $0 |
| CHRISTOPHER GORDON | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| HAROLD GRAY | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JULIE KELLY | BOARD CHAIR | 1.00 |
Director
|
$0 | $0 | $0 |
| JONATHAN LEMSKY | BOARD VICE C | 1.00 |
Director
|
$0 | $0 | $0 |
| JERRY MITCHELL | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JIMMIE PEARSON | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| ALLYSON EDWARDS | SUPERVISORY | 1.00 |
Officer
|
$0 | $0 | $0 |
| BILLY JOE HUGHES | SUPERVISORY | 1.00 |
Officer
|
$0 | $0 | $0 |
| RANDY MCCARTY | SUPERVISORY | 1.00 |
Officer
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $9,301,400 | $8,546,783 | $187,890,989 | $754,617 |
| 2024 | No data | No data | No data | No data |
| 2023 | $9,085,732 | $7,575,494 | $201,054,027 | $1,510,238 |
| 2022 | $7,754,194 | $6,649,920 | $186,172,963 | $1,104,274 |
| 2021 | $7,547,136 | $5,767,969 | $187,884,349 | $1,779,167 |
| 2020 | $6,963,589 | $5,938,680 | $170,130,913 | $1,024,909 |
| 2019 | $6,957,227 | $6,276,253 | $144,668,392 | $680,974 |
| 2018 | $7,027,596 | $6,121,629 | $141,452,420 | $905,967 |
Compare ECO CREDIT UNION with other nonprofits in Alabama and across the country.