Opp-micolas Credit Union
501(c)(14)
Only null% goes to programs Strong reserves Growing revenue
Opp-micolas Credit Union is a 501(c)(14) organization based in Opp, Alabama, registered in 1972, with $570,605 in FY2024 revenue. CharityIndex grades it C+.
Po Box 70, Opp, AL, 36467 EIN 63-0337813 Since 1972
Revenue (FY2024)
$571K
▼ 1.7% vs prior year
Expenses (FY2024)
$614K
Net assets
$2.7M
Employees
—
CharityIndex rating
One independent A+ to F grade from four published criteria, each scored separately from IRS filings and combined by weight.
C+
—Program efficiency40% of the ratingNo expense breakdown in filings
Measures how much of every dollar spent actually reaches programs, plus what it costs to raise $100 of donations. The worse of the two measures sets the letter (85%+ to programs is an A; under $15 to raise $100 is an A), averaged over the three most recent filings. Not scored for Opp-micolas Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
B+Financial health25% of the rating53 mo reserves · -8% margin
Measures whether the organization is built to last: how many months its reserves would cover expenses (3+ months earns an A-range score, but hoarding 5+ years of budget is capped) and whether it runs a surplus or a deficit. For Opp-micolas Credit Union: 53 mo reserves · -8% margin earns a B+ on this criterion. See the exact thresholds →
—Governance25% of the ratingNot reported in this filing type
Checks how the organization is run, from its own Form 990: an independent board majority, a board of five or more, conflict-of-interest, whistleblower and document-retention policies, and independently audited financials. The share of disclosed checks that pass sets the letter. Not scored for Opp-micolas Credit Union— this filing type doesn't report it, and the rating simply skips it (never counts it against the organization). See the exact thresholds →
DTransparency10% of the rating1 of 5 disclosure signals
Counts five disclosure signals: a recent filing, a mission statement, program descriptions, a listed website, and the full expense breakdown. More disclosure, better letter. For Opp-micolas Credit Union: 1 of 5 disclosure signals earns a D on this criterion. See the exact thresholds →
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Contact & location
Financial trends
Revenue grew from $457K (FY2013) to $571K (FY2024) across 12 reported years.
Financial snapshot
Financial health & position (FY2024)
Liabilities $8.2MNet assets $2.7M
Operating margin
-7.6%
Spent more than it raised in the latest fiscal year.
Total assets
$10.9M
Total liabilities
$8.2M
Net assets
$2.7M
Financials by year
| Fiscal year | Revenue | Expenses | Net assets | Total assets | Form |
|---|---|---|---|---|---|
| 2024 | $570,605▼1.7% | $613,708▲7.7% | $2,712,461▼1.6% | $10,883,206▼6.2% | 990 |
| 2023 | $580,572▲79.7% | $569,965▲13.5% | $2,755,564▲0.4% | $11,597,217▼7.2% | 990 |
| 2022 | $323,153▲11.6% | $502,285▲0.2% | $2,744,957▼6.1% | $12,497,129▼1.9% | 990 |
| 2021 | $289,442▼26.8% | $501,483▲2.1% | $2,924,089▼6.8% | $12,744,339▲4.0% | 990 |
| 2020 | $395,666▼17.2% | $491,097▲2.9% | $3,136,130▼3.0% | $12,248,492▲2.3% | 990 |
| 2019 | $477,678▲2.5% | $477,222▲3.6% | $3,231,564 | $11,973,068▼2.9% | 990 |
| 2018 | $466,216▲6.0% | $460,762▲1.3% | $3,231,108▲0.2% | $12,334,739▼6.2% | 990 |
| 2017 | $439,769▲1.4% | $454,992▲5.6% | $3,225,654▼0.5% | $13,150,601▲0.3% | 990 |
| 2016 | $433,765▼6.3% | $431,066▼13.2% | $3,240,877▲0.1% | $13,106,087▼3.6% | 990 |
| 2015 | $462,710▲6.9% | $496,617▼2.1% | $3,238,175▼1.0% | $13,589,910▼2.1% | 990 |
| 2014 | $432,949▼5.3% | $507,217▼7.3% | $3,272,082▼2.2% | $13,885,338▲2.6% | 990 |
| 2013 | $457,103 | $547,048▼3.8% | $3,346,350▼2.6% | $13,529,141▲2.5% | 990 |
| 2012 | — | $568,933▼7.7% | $3,436,295▼2.0% | $13,193,415▲1.7% | 990 |
| 2011 | — | $616,339▲5.5% | $3,507,026▼2.8% | $12,969,078▲4.5% | 990 |
| 2010 | — | $584,284 | $3,606,282 | $12,415,915 | 990 |
Original Form 990 PDFs (the Form column) are served by ProPublica Nonprofit Explorer, as filed with the IRS. Create a free account to download the CSV report.
Frequently asked questions
- Is Opp-micolas Credit Union a legitimate nonprofit?
- Yes. Opp-micolas Credit Union is a 501(c)(14) organization registered with the U.S. Internal Revenue Service under EIN 63-0337813, based in Opp, Alabama.
- What is Opp-micolas Credit Union's EIN?
- Opp-micolas Credit Union's Employer Identification Number (EIN) is 63-0337813.
- How much revenue does Opp-micolas Credit Union report?
- Opp-micolas Credit Union reported $570,605 in total revenue on its fiscal year 2024 IRS Form 990 filing.
- What financial grade does Opp-micolas Credit Union have?
- CharityIndex grades Opp-micolas Credit Union C+, based on financial health (reserves and operating margin).
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Explore more
Data for Opp-micolas Credit Union (EIN 63-0337813) comes from the IRS Business Master File and e-filed Form 990 returns, via CharityIndex. Figures reflect what the organization reported to the IRS for each fiscal year.