Civic Intelligence

Jackson County Co-Op Credit Union

EIN 35-6022534 • 501(c)14 • Seymour, IN

Profile

State chartered credit union providing competitive and reasonably priced loan and saving services to approximately 1,042 members.

705 West 2nd StreetSeymour, IN 47274

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

16th percentile

0.82x

Higher debt load relative to assets than 16% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

19th percentile

12.47x

Higher debt load relative to revenue than 19% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

83rd percentile

21%

Higher net margin than 83% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

36th percentile

-2.1%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Revenue Growth

77th percentile

22%

Faster revenue growth than 77% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets16th percentile

Assets

Down

$29,220,597

Down $1,274,116 (-4.2%) from 2023

Liabilities

Down

$24,080,918

Down $1,686,987 (-6.5%) from 2023

Net Assets

Up

$5,139,679

Up $412,871 (+8.7%) from 2023

Operations
Liabilities / Revenue19th percentileNet Margin83rd percentile

Revenue

Up

$1,930,736

Up $189,184 (+11%) from 2023

Expenses

Up

$1,517,923

Up $172,405 (+13%) from 2023

Net Income

Up

$412,813

Up $16,779 (+4.2%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$40M$30M$20M$10M$0Assets 2010: $18,061,778Liabilities 2010: $191Net Assets 2010: $18,061,5872010Assets 2011: $18,806,572Liabilities 2011: $15,949,551Net Assets 2011: $2,857,0212011Assets 2012: $21,127,005Liabilities 2012: $18,133,176Net Assets 2012: $2,993,8292012Assets 2013: $21,746,140Liabilities 2013: $18,591,427Net Assets 2013: $3,154,7132013Assets 2014: $21,125,476Liabilities 2014: $17,877,511Net Assets 2014: $3,247,9652014Assets 2015: $21,314,546Liabilities 2015: $18,007,573Net Assets 2015: $3,306,9732015Assets 2016: $21,733,719Liabilities 2016: $18,292,444Net Assets 2016: $3,441,2752016Assets 2017: $23,505,129Liabilities 2017: $19,933,041Net Assets 2017: $3,572,0882017Assets 2018: $22,390,552Liabilities 2018: $18,623,561Net Assets 2018: $3,766,9912018Assets 2019: $23,070,681Liabilities 2019: $19,205,201Net Assets 2019: $3,865,4802019Assets 2020: $26,434,772Liabilities 2020: $22,425,818Net Assets 2020: $4,008,9542020Assets 2021: $29,625,134Liabilities 2021: $25,420,154Net Assets 2021: $4,204,9802021Assets 2022: $30,477,541Liabilities 2022: $26,146,855Net Assets 2022: $4,330,6862022Assets 2023: $30,494,713Liabilities 2023: $25,767,905Net Assets 2023: $4,726,8082023Assets 2024: $29,220,597Liabilities 2024: $24,080,918Net Assets 2024: $5,139,6792024

Highlighted filing

2024

Assets$29,220,597
Liabilities$24,080,918
Net Assets$5,139,679
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $797,1162010Expenses 2011: $778,9832011Expenses 2012: $824,0052012Revenue 2013: $923,555Expenses 2013: $762,733Net Income 2013: $160,8222013Revenue 2014: $856,233Expenses 2014: $763,064Net Income 2014: $93,1692014Revenue 2015: $877,215Expenses 2015: $818,251Net Income 2015: $58,9642015Revenue 2016: $967,083Expenses 2016: $832,830Net Income 2016: $134,2532016Revenue 2017: $991,842Expenses 2017: $861,094Net Income 2017: $130,7482017Revenue 2018: $1,142,907Expenses 2018: $948,066Net Income 2018: $194,8412018Revenue 2019: $1,156,595Expenses 2019: $1,058,165Net Income 2019: $98,4302019Revenue 2020: $1,268,333Expenses 2020: $1,124,899Net Income 2020: $143,4342020Revenue 2021: $1,298,525Expenses 2021: $1,102,541Net Income 2021: $195,9842021Revenue 2022: $1,299,751Expenses 2022: $1,174,108Net Income 2022: $125,6432022Revenue 2023: $1,741,552Expenses 2023: $1,345,518Net Income 2023: $396,0342023Revenue 2024: $1,930,736Expenses 2024: $1,517,923Net Income 2024: $412,8132024

Highlighted filing

2024

Revenue$1,930,736
Expenses$1,517,923
Net Income$412,813
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$29,220,597
Liabilities
$24,080,918
Net assets
$5,139,679
Revenue
$1,930,736
Expenses
$1,517,923
Net income
$412,813
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$29.2$24.1$5.14$1.93$1.52$0.41
2023Detailed filing. Detailed filing data is available for this year.$30.5$25.8$4.73$1.74$1.35$0.40
2022Detailed filing. Detailed filing data is available for this year.$30.5$26.1$4.33$1.30$1.17$0.13
2021Detailed filing. Detailed filing data is available for this year.$29.6$25.4$4.20$1.30$1.10$0.20
2020Detailed filing. Detailed filing data is available for this year.$26.4$22.4$4.01$1.27$1.12$0.14
2019Detailed filing. Detailed filing data is available for this year.$23.1$19.2$3.87$1.16$1.06$0.10
2018Detailed filing. Detailed filing data is available for this year.$22.4$18.6$3.77$1.14$0.95$0.19
2017Detailed filing. Detailed filing data is available for this year.$23.5$19.9$3.57$0.99$0.86$0.13
2016Detailed filing. Detailed filing data is available for this year.$21.7$18.3$3.44$0.97$0.83$0.13
2015Detailed filing. Detailed filing data is available for this year.$21.3$18.0$3.31$0.88$0.82$0.06
2014Detailed filing. Detailed filing data is available for this year.$21.1$17.9$3.25$0.86$0.76$0.09
2013Detailed filing. Detailed filing data is available for this year.$21.7$18.6$3.15$0.92$0.76$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.1$18.1$2.99$0.82
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.8$15.9$2.86$0.78
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.1$0.00$18.1$0.80
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 29, 2025
Return Version
2024v5.0
Gross Receipts
$1,930,736
Mission and Program Overview

Mission

State chartered credit union providing loan and saving services to approximately 1100 members.

State chartered credit union providing competitive and reasonably priced loan and saving services to approximately 1,059 members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,629,762$21,193,435▼ $1,436,327
Savings and Temporary Cash Investments$6,933,300$6,968,219▲ $34,919
Rtn Earn Endowment Incm Other Fnds$4,726,808$5,139,679▲ $412,871
Cash and Non-Interest-Bearing Accounts$250,325$415,242▲ $164,917
Land, Buildings, and Equipment, Net$343,897$308,718▼ $35,179
Total Assets$30,494,713$29,220,597▼ $1,274,116
Other Assets Total$337,429$334,983▼ $2,446
Liabilities
Other Liabilities$25,767,899$24,080,897▼ $1,687,002
Accounts Payable and Accrued Expenses$6$21▲ $15
Total Liabilities$25,767,905$24,080,918▼ $1,686,987
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,726,808$5,139,679▲ $412,871
Total Liabilities and Net Assets / Fund Balance$30,494,713$29,220,597▼ $1,274,116

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$258,461$324,741$583,202
Equipment$12,257$217,904$230,161
Land$38,000-$38,000
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kristina McintoshCEOFT$126,225$19,004$145,229
Lisa a KincaidVP of OperatFT$111,896$6,471$118,367

Board Members and Trustees

NameTitle
Ben ThompsonChairman
Ed StuckwischVice Chairma
Kevin WheatleyDirector
Max BurbrinkDirector
Wayne WoodardDirector
William BorcherdingDirector
Chad StuckwischSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,431,436
Investment Income
$328,052
Other Revenue
$171,248
Change in Net Assets
$412,813
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$896,731
Salaries, Compensation, and Employee Benefits$621,192
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$256,329
Current Officers, Directors, Trustees, and Key Employees---$238,121
Fees for Services Other---$151,490
Office Expenses---$150,871
Other Employee Benefits---$68,446
Occupancy---$45,728
Payroll Taxes---$37,397
Advertising---$37,325
Depreciation Depletion---$35,180
Conferences and Meetings---$25,156
Pension Plan Contributions---$20,899
Fees for Services Accounting---$18,275
Other Expenses---$12,193
Interest---$25
Total Functional Expenses$0$0$0$1,517,923
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities - Member Shares$24,080,897
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“Members of jackson county, indiana farm bureau co-op, employees of jackson county remc, employees and stockholders of jackson jennings farm bureau, and cfa are eligible for membership.”

Form 990, Page 6, Part VI, Line 7A

“Board members are elected at the annual meeting.”

Form 990, Page 6, Part VI, Line 11B

“Management reviews prior to filing.”

Form 990, Page 6, Part VI, Line 15A

“State trade association compensation survey and review process by the board of directors.”

Form 990, Page 6, Part VI, Line 15B

“State trade association compensation survey and review process by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Financial statements are posted on asi website.”

Filing and Contact Details

Filer

Filer Name
Jackson County Co-op Credit Union
EIN
35-6022534
Phone
8125231630
Address
705 WEST 2ND STREET, SEYMOUR, IN 47274

Signing Officer

Name
Kristina Mcintosh
Title
CEO
Phone
0812523163
Signed
2025-04-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kristina Mcintosh
Formed
1955
Legal Domicile
In
Voting Board Members
7
Independent Board Members
7
Employees
10
Volunteers
13

Preparer

Firm
Cardinal CPA Group LLC
Address
330 E MAIN ST, MUNCIE, IN 47305
Preparer
Jennifer L Dudley CPA
Phone
7652897951
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Membership allocation adjustment 58”

Raw XML Appendix326 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ReconcilationRevenueExpnssAmt0412813
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IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04726808
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05139679
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06933300
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06968219
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0258461
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0324741
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0583202
IRS990ScheduleD/EquipmentGrp/BookValueAmt012257
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0217904
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0230161
IRS990ScheduleD/LandGrp/BookValueAmt038000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt038000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt024080897
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES - MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0308718
IRS990ScheduleD/TotalLiabilityAmt024080897
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF JACKSON COUNTY, INDIANA FARM BUREAU CO-OP, EMPLOYEES OF JACKSON COUNTY REMC, EMPLOYEES AND STOCKHOLDERS OF JACKSON JENNINGS FARM BUREAU, AND CFA ARE ELIGIBLE FOR MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD MEMBERS ARE ELECTED AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MANAGEMENT REVIEWS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3STATE TRADE ASSOCIATION COMPENSATION SURVEY AND REVIEW PROCESS BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4STATE TRADE ASSOCIATION COMPENSATION SURVEY AND REVIEW PROCESS BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE POSTED ON ASI WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MEMBERSHIP ALLOCATION ADJUSTMENT 58
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030494713
IRS990/TotalAssetsEOYAmt029220597
IRS990/TotalAssetsGrp/BOYAmt030494713
IRS990/TotalAssetsGrp/EOYAmt029220597
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt010
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01517923
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt025767905
IRS990/TotalLiabilitiesEOYAmt024080918
IRS990/TotalLiabilitiesGrp/BOYAmt025767905
IRS990/TotalLiabilitiesGrp/EOYAmt024080918
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04726808
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05139679
IRS990/TotalOtherCompensationAmt025475
IRS990/TotalProgramServiceRevenueAmt01431436
IRS990/TotalReportableCompFromOrgAmt0238121
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01930736
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01930736
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030494713
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt029220597
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KRISTINA MCINTOSH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum00812523163
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0JACKSON COUNTY CO-OP CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0JACK
ReturnHeader/Filer/EIN0356022534
ReturnHeader/Filer/PhoneNum08125231630
ReturnHeader/Filer/USAddress/AddressLine1Txt0705 WEST 2ND STREET
ReturnHeader/Filer/USAddress/CityNm0SEYMOUR
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IN
ReturnHeader/Filer/USAddress/ZIPCd047274
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0351831899
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CARDINAL CPA GROUP LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0330 E MAIN ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MUNCIE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd047305
ReturnHeader/PreparerPersonGrp/PhoneNum07652897951
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JENNIFER L DUDLEY CPA
ReturnHeader/ReturnTs02025-05-09T16:42:18-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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