Civic Intelligence

Jackson County Co-Op Credit Union

990 • Fiscal year 2016 • EIN 35-6022534

Jan 01, 2016 to Dec 31, 2016 • Filed on Feb 15, 2017

Organization ProfileN/A
705 West 2nd StreetSeymour, IN 47274

(812) 523-1630

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

35th percentile

0.84x

Higher debt load relative to assets than 35% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

43rd percentile

18.92x

Higher debt load relative to revenue than 43% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

78th percentile

14%

Higher net margin than 78% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

63rd percentile

$80,500

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 8.3% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

53rd percentile

2.0%

Faster asset growth than 53% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

88th percentile

10%

Faster revenue growth than 88% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets35th percentile

Assets

Up

$21,733,719

Up $419,173 (+2.0%) from 2015

Net Assets

Up

$3,441,275

Up $134,302 (+4.1%) from 2015

Liabilities

Up

$18,292,444

Up $284,871 (+1.6%) from 2015

Revenue And Expenses
Liabilities / Revenue43rd percentileNet Margin78th percentile

Revenue

Up

$967,083

Up $89,868 (+10%) from 2015

Expenses

Up

$832,830

Up $14,579 (+1.8%) from 2015

Net Income

Up

$134,253

Up $75,289 (+128%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth53rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2016

Assets$21,733,719
Liabilities$18,292,444
Net Assets$3,441,275
Open 2016 Filing

Operations Trend

Revenue Growth88th percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$967,083
Expenses$832,830
Net Income$134,253
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Feb 15, 2017
Return Version
2016v3.0
Gross Receipts
$967,083
Mission and Program Overview

Mission

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

State chartered credit union providing loan and saving services to approximately 1123 members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,200,210$16,961,162▼ $239,048
Savings and Temporary Cash Investments$3,441,855$3,984,080▲ $542,225
Rtn Earn Endowment Incm Other Fnds$3,306,973$3,441,275▲ $134,302
Land, Buildings, and Equipment, Net$217,717$312,313▲ $94,596
Cash and Non-Interest-Bearing Accounts$212,754$235,614▲ $22,860
Prepaid Expenses and Deferred Charges$9,605$6,452▼ $3,153
Total Assets$21,314,546$21,733,719▲ $419,173
Other Assets Total$232,405$234,098▲ $1,693
Liabilities
Other Liabilities$18,007,573$18,292,439▲ $284,866
Accounts Payable and Accrued Expenses-$5-
Total Liabilities$18,007,573$18,292,444▲ $284,871
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,306,973$3,441,275▲ $134,302
Total Liabilities and Net Assets / Fund Balance$21,314,546$21,733,719▲ $419,173

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$244,697$161,768$406,465
Equipment$29,616$99,721$129,337
Land$38,000-$38,000
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kristina McintoshCEOFT$80,500$80,500
Lisa a KincaidVP of OperatFT$61,500$61,500

Board Members and Trustees

NameTitle
Michael MellencampChairman
Ben ThompsonVice Chairma
Andy MaschinoDirector
Doug BorcherdingDirector
Jim KentDirector
Randy BobbDirector
Greg PollertSecretary/tr
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$816,756
Investment Income
$29,043
Other Revenue
$121,284
Change in Net Assets
$134,253
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$486,796
Other Expenses$346,034
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$224,965--$224,965
Current Officers, Directors, Trustees, and Key Employees$142,000--$142,000
Office Expenses$83,525--$83,525
Other Employee Benefits$80,677--$80,677
Fees for Services Other$39,251--$39,251
Occupancy$38,517--$38,517
Payroll Taxes$30,633--$30,633
Depreciation Depletion$28,080--$28,080
Advertising$20,199--$20,199
Travel$12,864--$12,864
Pension Plan Contributions$8,521--$8,521
Other Expenses$6,850--$6,850
Fees for Services Accounting$6,175--$6,175
All Other Expenses$6,004--$6,004
Fees for Services Legal$1,482--$1,482
Interest$43--$43
Total Functional Expenses$832,830$0$0$832,830
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$18,292,439
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
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
2017-02-15
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
16
Volunteers
13

Preparer

Firm
Summers Carroll Whisler LLC
Address
330 EAST MAIN STREET, MUNCIE, IN 47305
Preparer
Michael G Whisler CPA
Phone
7652897951
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“State chartered credit union offering deposits and loans to its members.”

Form 990, Part XI, Line 9

“UNREALIZED GAIN 49”

Raw XML Appendix350 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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IRS990ScheduleD/BuildingsGrp/BookValueAmt0244697
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0161768
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0406465
IRS990ScheduleD/EquipmentGrp/BookValueAmt029616
IRS990ScheduleD/EquipmentGrp/DepreciationAmt099721
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0129337
IRS990ScheduleD/LandGrp/BookValueAmt038000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt038000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt018292439
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES - MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0312313
IRS990ScheduleD/TotalLiabilityAmt018292439
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0STATE CHARTERED CREDIT UNION OFFERING DEPOSITS AND LOANS TO ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS 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/ExplanationTxt2BOARD MEMBERS ARE ELECTED AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MANAGEMENT REVIEWS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4STATE TRADE ASSOCIATION COMPENSATION SURVEY AND REVIEW PROCESS BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5STATE TRADE ASSOCIATION COMPENSATION SURVEY AND REVIEW PROCESS BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED ON ASI WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7UNREALIZED GAIN 49
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt021314546
IRS990/TotalAssetsEOYAmt021733719
IRS990/TotalAssetsGrp/BOYAmt021314546
IRS990/TotalAssetsGrp/EOYAmt021733719
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt016
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0832830
IRS990/TotalFunctionalExpensesGrp/TotalAmt0832830
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt018007573
IRS990/TotalLiabilitiesEOYAmt018292444
IRS990/TotalLiabilitiesGrp/BOYAmt018007573
IRS990/TotalLiabilitiesGrp/EOYAmt018292444
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03306973
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03441275
IRS990/TotalProgramServiceRevenueAmt0816756
IRS990/TotalReportableCompFromOrgAmt0142000
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0967083
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0967083
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt021314546
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021733719
IRS990/TravelGrp/ProgramServicesAmt012864
IRS990/TravelGrp/TotalAmt012864
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KRISTINA MCINTOSH
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum00812523163
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-02-15
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/FilingSecurityInformation/AtSubmissionCreationDeviceId05DA6CE972E1B19F27D32762098E4C25D717FAFAC
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId09987C2555744CFCB71ADE01ABC1F212D855445EB
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0351831899
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SUMMERS CARROLL WHISLER LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0330 EAST MAIN STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MUNCIE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd047305
ReturnHeader/PreparerPersonGrp/PhoneNum07652897951
ReturnHeader/PreparerPersonGrp/PreparationDt02017-02-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL G WHISLER CPA
ReturnHeader/ReturnTs02017-03-20T17:15:38+00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,733,719
Liabilities
$18,292,444
Net assets
$3,441,275
Revenue
$967,083
Expenses
$832,830
Net income
$134,253
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