ZUnclassifiedEIN: 630021787· Ruling Year: 1970

Alatrust Credit Union

Hoover, Alabama

B+Health Score
68B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org2.02×
Peer Median5.86×
💰
$9.9M
Total Revenue
📊
$8.0M
Total Expenses
🏦
$16.2M
Net Assets
📋
$183.1M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+17.4%
Year-over-year change (2022 → 2023)
Net Margin
+19.2%
Revenue minus expenses as % of revenue
Working Capital Ratio
2.02
Net assets divided by total expenses
Liabilities-to-Assets
91.9%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$9,937,96017%$8,033,19431%$199,335,1186%
2022$8,462,34021%$6,122,6847%$187,319,1432%
2021$6,977,8925%$5,739,2061%$183,851,96815%
2020$6,665,159$5,691,968$160,346,08314%
2019$6,643,6377%$5,667,24610%$140,643,2514%
2018$6,181,92811%$5,159,7721%$135,666,6111%
2017$5,557,0162%$5,131,316$134,189,6891%
2016$5,642,6885%$5,132,1573%$132,941,820
2015$5,944,1095%$5,294,4246%$132,551,7663%
2014$5,664,0906%$4,998,40335%$129,158,5171%
2013$6,039,3386%$7,695,04433%$130,592,6565%
2012$6,411,1565%$5,789,2316%$124,433,7096%
2011$6,778,937$6,172,000$117,229,806

Frequently Asked Questions

What does Alatrust Credit Union do?

Alatrust Credit Union is a unclassified nonprofit organization based in Alabama. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Alatrust Credit Union financially healthy?

Based on our 9-metric Financial Health Score model, Alatrust Credit Union has a score of 68/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Alatrust Credit Union generate?

Alatrust Credit Union reports $11.4M in annual revenue and holds $202.1M in total assets, based on IRS filings.

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