2025-10-22T16:58:16-05:00 2024-12-31 461498870 BMSS LLC 1121 RIVERCHASE OFFICE RD BIRMINGHAM AL 35244 990 2024-01-01 630333902 CREDIT UNIONS IN THE STATE OF AL LISTERHILL CREDIT UNION CRED 2563839204 PO BOX 566 SHEFFIELD AL 356600566 BRAD GREEN CEO/PRESIDENT 2563839204 2025-10-10 1 0 CHERION SIBLEY CPA P00090514 2059825500 2025-10-10 2024 2025-03-06 01:10:19Z BRAD GREEN PO BOX 566 SHEFFIELD AL 356600566 93325502 0 X WWW.LISTERHILL.COM X 1952 AL TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS. 7 7 300 11 75867 0 0 0 56039400 61249358 3791273 9495932 22225132 22440036 82055805 93185326 2500 2050 0 0 30477752 27961557 0 0 0 53581111 60332151 84061363 88295758 -2005558 4889568 1402871969 1415804272 1319817765 1319378943 83054204 96425329 X LISTERHILL CREDIT UNION IS A MEMBER-OWNED FINANCIAL INSTITUTION WHOSE PURPOSE IS TO IMPROVE THE QUALITY OF LIFE FOR THE MEMBERSHIP BY PROVIDING COST EFFECTIVE SERVICES TO MEET THEIR FINANCIAL NEEDS WHILE MAINTAINING FINANCIAL SOUNDNESS AND PROMOTING THE CREDIT UNION PHILOSOPHY. 0 0 93,778 MEMBERS SERVED TO PROMOTE THRIFT OPPORTUNITIES AND LOW COST LOANS. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 1 1 0 0 1 22077 0 1 300 1 1 1 0 0 0 0 0 1 0 X 7 7 0 0 0 0 1 1 0 1 1 0 1 0 1 1 1 1 1 1 1 1 0 X CARLA HARPER 2563839204 4790 EAST SECOND STREET MUSCLE SHOALS AL 35661 MARK MASSEY DIRECTOR 1.00 X 0 0 0 MARK LINDER CHAIRPERSON 1.00 X 0 0 0 DAVID CRAIG VICE CHAIRPERSON 1.00 X 0 0 0 ALEX GODWIN SECRETARY/TREASURER 1.00 X 0 0 0 KEVIN BUTTRUM DIRECTOR 1.00 X 0 0 0 MICHELLE KELLEY DIRECTOR 1.00 X 0 0 0 ANDRES TAPIA DIRECTOR 1.00 X 0 0 0 BRAD GREEN CEO/PRESIDENT 40.00 X 1063179 0 204084 CLAY MORGAN CHIEF FINANCIAL STRATEGIS 40.00 X 347510 0 92632 DARYL MCMINN CHIEF LENDING STRATEGIST 40.00 X 270020 0 77575 JOHNATHAN GRAY CHIEF INFORMATION AND TECH 40.00 X 230283 0 46571 ALANNA SULLIVAN CHIEF OPERATIONS STRATEGIS 40.00 X 309627 0 62175 CARLA HARPER SVP ACCOUNTING 40.00 X 232304 0 55295 AMANDA WARRINER CHIEF LEGAL AND RISK STRAT 40.00 X 226159 0 60970 JEREMY TERRY CHIEF PEOPLE OFFICER 40.00 X 231743 0 68011 ABIGAIL GADDY CHIEF STRATEGY OFFICER 40.00 X 196304 0 63943 ANDREW CLARK SR. FINANCIAL ADVISOR 40.00 X 417470 0 103199 DEWAYNE F ECKL AVP COMMERCIAL LENDING 40.00 X 209391 0 49098 STACY ALDRIDGE MORTGAGE LOAN OFFICER 40.00 X 153912 0 47032 MARK HIGHTOWER VP OF RETAIL 40.00 X 153210 0 55046 JEREMY WALTON AVP COMMERCIAL LENDING 40.00 X 139989 0 52600 4181101 0 1038231 34 0 1 0 THE CONSECO GROUP 2601 WESTWOOD DR NASHVILLE TN 37204 CONSTRUCTION 1624965 APITURE 1805 TILBURON DR WILMINGTON NC 28403 MOBILE VENDOR 1208048 JACK HENRY & ASSOCIATES PO BOX 609 MONETT MO 65708 CORE PROCESSOR 700859 CENNOX PO BOX 7048 GROUP 22 INDIANAPOLIS IN 46207 ATM'S 634196 HC3 2461 1ST AVE SOUTH BIRMINGHAM AL 35210 MEMBER STATEMENTS 605571 26 LOAN INTEREST INCOME 522130 61249358 61249358 61249358 9471688 9471688 273736 273736 164420 140176 24244 24244 24244 INTERCHANGE ACCOUNT CHARGES 522130 8891634 8891634 CHECKING ACCOUNT FEES 522130 7141389 7141389 ACCOUNT, LOAN, AND INTERCHANGE FE 522130 6057410 6057410 75867 75867 22166300 93185326 83339791 75867 9769668 2050 3578141 17450855 5470429 1462132 176678 332265 501246 1156863 1026670 131779 1024109 176683 28422 32727517 1892872 279627 DATA PROCESSING 7007602 OTHER OPERATING EXPENSE 4364654 PROVISION FOR LOAN LOSS 3767245 REPAIRS AND MAINTENANCE 1800464 3937455 88295758 39514829 42285310 95814525 186943417 3192579 3096515 10534351 10834351 1081647280 1010616574 6180168 9876012 63994121 29894629 33447859 34099492 103460937 81425888 11457461 19686353 17621980 16940360 1402871969 1415804272 6348208 5241789 40000000 40000000 1273469557 1274137154 1319817765 1319378943 X 0 0 0 0 83054204 96425329 83054204 96425329 1402871969 1415804272 X 4889568 2336368 6145189 X X 0 0 0 6851930 6851930 36508848 10959195 25549653 258997 245060 13937 20374346 18690374 1683972 34099492 MEMBER DEPOSITS 1274137154 1274137154 X X 0 1 0 BRAD GREEN CEO/PRESIDENT 1063179 0 0 0 0 0 178427 0 25657 0 1267263 0 0 0 ANDREW CLARK SR. FINANCIAL ADVISOR 417470 0 0 0 0 0 78455 0 24744 0 520669 0 0 0 CLAY MORGAN CHIEF FINANCIAL STRATEGIS 347510 0 0 0 0 0 66975 0 25657 0 440142 0 0 0 ALANNA SULLIVAN CHIEF OPERATIONS STRATEGIS 309627 0 0 0 0 0 60443 0 1732 0 371802 0 0 0 DARYL MCMINN CHIEF LENDING STRATEGIST 270020 0 0 0 0 0 51918 0 25657 0 347595 0 0 0 JEREMY TERRY CHIEF PEOPLE OFFICER 231743 0 0 0 0 0 45214 0 22797 0 299754 0 0 0 CARLA HARPER SVP ACCOUNTING 232304 0 0 0 0 0 45294 0 10001 0 287599 0 0 0 AMANDA WARRINER CHIEF LEGAL AND RISK STRAT 226159 0 0 0 0 0 44216 0 16754 0 287129 0 0 0 JOHNATHAN GRAY CHIEF INFORMATION AND TECH 230283 0 0 0 0 0 44839 0 1732 0 276854 0 0 0 ABIGAIL GADDY CHIEF STRATEGY OFFICER 196304 0 0 0 0 0 38286 0 25657 0 260247 0 0 0 DEWAYNE F ECKL AVP COMMERCIAL LENDING 209391 0 0 0 0 0 40488 0 8610 0 258489 0 0 0 MARK HIGHTOWER VP OF RETAIL 153210 0 0 0 0 0 29866 0 25180 0 208256 0 0 0 STACY ALDRIDGE MORTGAGE LOAN OFFICER 153912 0 0 0 0 0 30082 0 16950 0 200944 0 0 0 JEREMY WALTON AVP COMMERCIAL LENDING 139989 0 0 0 0 0 27437 0 25163 0 192589 0 0 0 PART I, LINE 3 457(F) DEFERRED COMPENSATION PAYMENTS MADE DURING 2024: BRAD GREEN- $460,000 PART I LINE 4B THE FOLLOWING EMPLOYEES PARTICIPATED IN THE NONQUALIFIED RETIREMENT PLAN: BRAD GREEN DARYL MCMINN CLAY MORGAN CARLA HARPER JOHNATHAN GRAY ALANNA SULLIVAN JOYCE BATES BRAD GREEN OFFICER COLLATERAL ASSIGNMENT SPLIT DOLLAR INSURANCE X 4645356 4645356 0 1 1 CLAY MORGAN OFFICER COLLATERAL ASSIGNMENT SPLIT DOLLAR INSURANCE X 967596 967596 0 1 1 DARYL MCMINN OFFICER COLLATERAL ASSIGNMENT SPLIT DOLLAR INSURANCE X 654399 654399 0 1 1 ALANNA SULLIVAN OFFICER COLLATERAL ASSIGNMENT SPLIT DOLLAR INSURANCE X 872000 872000 0 1 1 CARLA HARPER OFFICER COLLATERAL ASSIGNMENT SPLIT DOLLAR INSURANCE X 736000 736000 0 1 1 JOYCE BATES OFFICER COLLATERAL ASSIGNMENT SPLIT DOLLAR INSURANCE X 1360000 1360000 0 1 1 JONATHAN GRAY OFFICER COLLATERAL ASSIGNMENT SPLIT DOLLAR INSURANCE X 1599000 1599000 0 1 1 10834351 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS A NON-PROFIT FINANCIAL INSTITUTION OWNED AND OPERATED BY ITS MEMBERS. TO BECOME A MEMBER, AN INDIVIDUAL MUST LIVE IN ALABAMA, GEORGIA, MISSISSIPPI, OR TENNESSEE, BE RELATED TO A CURRENT MEMBER, OR WORK FOR A MEMBER COMPANY. ADDITIONALLY, MEMBERSHIP IS AVAILABLE THROUGH AFFILIATION WITH THE ALABAMA CONSUMER COUNCIL OR, FOR RESIDENTS OF TENNESSEE, GEORGIA, OR MISSISSIPPI, BY JOINING THE ATHENS STATE ALUMNI ASSOCIATION. FORM 990, PART VI, SECTION A, LINE 7A MEMBERS OF THE CREDIT UNION ELECT MEMBERS OF THE GOVERNING BODY BY PLURALITY VOTE AT THE ANNUAL MEETING. FORM 990, PART VI, SECTION B, LINE 10B WHILE THE CREDIT UNION DOES NOT HAVE A SPECIFIC WRITTEN POLICY FOR THE BRANCHES, ALL BRANCHES ARE HELD ACCOUNTABLE TO THE SAME POLICIES AS THE MAIN BRANCH. FORM 990, PART VI, SECTION B, LINE 11B UPON COMPLETION OF THE CREDIT UNION'S FORM 990, THE RETURN IS PRESENTED TO THE BOARD AT A BOARD OF DIRECTORS MEETING. AT THE MEETING, THE BOARD MEMBERS REVIEW THE TAX RETURN AND ARE FREE TO ASK ANY QUESTIONS OR ENGAGE IN DISCUSSION REGARDING ANY TOPIC COVERED IN THE RETURN. ONCE THE GOVERNING BODY HAS REVIEWED AND APPROVED THE FORM 990, THE RETURN IS FILED WITH THE INTERNAL REVENUE SERVICE. FORM 990, PART VI, SECTION B, LINE 12C CREDIT UNION STAFF REVIEW THE CONFLICT OF INTEREST POLICY EACH YEAR WITH THE CREDIT UNION'S MANAGER. AT THIS MEETING, THE STAFF MEMBERS ARE FREE TO ASK ANY QUESTIONS REGARDING THIS POLICY. THE CREDIT UNION MANAGER CONSTANTLY MONITORS THE STAFF TO MAKE SURE EVERYONE IS IN COMPLIANCE WITH THE POLICY. IT IS THE RESPONSIBILITY OF STAFF AND DIRECTORS TO IMMEDIATELY NOTIFY THE CREDIT UNION MANAGERS OF ANY POTENTIAL CONFLICT OF INTEREST. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION FOR OFFICERS, KEY EMPLOYEES AND TOP MANAGEMENT OFFICIALS IS DETERMINED ON A YEARLY BASIS. BEFORE COMPENSATION IS SET, THE BOARD OF DIRECTORS EXAMINES THE TYPE AND AMOUNT OF WORK PERFORMED BY THE EMPLOYEES WHILE TAKING INTO ACCOUNT THE CREDIT UNION'S PRIOR YEAR INCOME. INDEPENDENTLY PREPARED REGIONAL SALARY SURVEYS ARE AVAILABLE FOR USE BY THE BOARD IN THE COMPENSATION DETERMINATION PROCESS. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION MAKES AVAILABLE ITS FINANCIAL STATEMENTS VIA THE NCUA WEBSITE WHICH CAN BE FOUND AT WWW.NCUA.GOV. OTHER DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 9: OTHER PENSION ADJUSTMENT (OCI) 6,145,189. FORM 990, PART XII LINE 2 ON A YEARLY BASIS, THE NATIONAL CREDIT UNION ASSOCIATION AND THE ALABAMA CREDIT UNION ADMINISTRATION EXAMINE THE FINANCIAL STATEMENTS OF THE CREDIT UNION. THE CREDIT UNION'S SEPTEMBER 30TH FINANCIAL STATEMENTS ARE AUDITED ANNUALLY BY AN INDEPENDENT ACCOUNTANT. SECTION 1.263(A)-1(F) DE MINIMIS SAFE HARBOR ELECTION CREDIT UNIONS IN THE STATE OF ALABAMA LISTERHILL CREDIT UNION P.O. BOX 566 SHEFFIELD, AL 35660-0566 EMPLOYER IDENTIFICATION NUMBER: 63-0333902 FOR THE YEAR ENDING DECEMBER 31, 2024 CREDIT UNIONS IN THE STATE OF ALABAMA LISTERHILL CREDIT UNION IS MAKING THE DE MINIMIS SAFE HARBOR ELECTION UNDER REG. SEC. 1.263(A)-1(F). SECTION 1.263(A)-3(N) ELECTION CREDIT UNIONS IN THE STATE OF ALABAMA LISTERHILL CREDIT UNION P.O. BOX 566 SHEFFIELD, AL 35660-0566 EMPLOYER IDENTIFICATION NUMBER: 63-0333902 FOR THE YEAR ENDING DECEMBER 31, 2024 CREDIT UNIONS IN THE STATE OF ALABAMA LISTERHILL CREDIT UNION IS MAKING THE ELECTION TO CAPITALIZE REPAIR AND MAINTENANCE COSTS UNDER REG. SEC. 1.263(A)-3(N). LISTERHILL CREDIT UNION SERVICES INC PO BOX 566 SHEFFIELD AL 35660 201572421 CREDIT UNION SERVICES AL N/A C -2528 16357 1.00000 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0