Liabilities / Assets
94th percentile
Higher debt load relative to assets than 94% of similar nonprofits.
Jackson City County Credit Union
EIN 38-1601592
Siviq Scores
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
0.91x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on the latest valid filing.
Top Officer Pay
Score unavailable
No filing with officer or executive compensation is available for this organization yet.
Asset Growth
17th percentile
Faster asset growth than 17% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Down$7,884,005
Down $450,591 (-5.4%) from 2011
Liabilities
Down$7,195,200
Down $366,472 (-4.8%) from 2011
Net Assets
Down$688,805
Down $84,119 (-11%) from 2011
Revenue
-
No earlier filing loaded for comparison.
Expenses
Up$542,960
Up $13,377 (+2.5%) from 2011
Net Income
-
No earlier filing loaded for comparison.
Trend Graphs
Filings
Most recent year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $7,884,005
- Liabilities
- $7,195,200
- Net assets
- $688,805
- Revenue
- -
- Expenses
- $542,960
- Net income
- -
| Balance Sheet | Operations | |||||
|---|---|---|---|---|---|---|
| Year | Assets | Liabilities | Net Assets | Revenue | Expenses | Net Income |
| 2012Facts available. Structured filing facts are available, but richer extracted sections are limited. | $7.88 | $7.20 | $0.69 | $0.54 | ||
| 2011Facts available. Structured filing facts are available, but richer extracted sections are limited. | $8.33 | $7.56 | $0.77 | $0.53 | ||
Latest Filing Detail
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2012 to Dec 31, 2012
- Signed
- Apr 4, 2013
- Return Version
- 2012v2.0
- Gross Receipts
- $451,920
Mission and Program Overview
Major Activities
- Activity 2
- The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2012 was 916.
Filing and Contact Details
Filer
- EIN
- 38-1601592
Raw XML AppendixShowing 400 of 413 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/Activity2/Description | 0 | The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2012 was 916. |
| IRS990/ActivityOrMissionDescription | 0 | Provide financial services and products to members. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | 2320 Francis St |
| IRS990/AddressPrincipalOfficerUS/City | 0 | Jackson |
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| IRS990/Form990PartVIISectionA/NamePerson | 0 | Scott Elliott |
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| IRS990/Form990PartVIISectionA/NamePerson | 3 | Ricardo Cedillo |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | Jim Hobbs |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | Donald Ray |
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| IRS990/Form990PartVIISectionA/Officer | 0 | X |
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| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
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| IRS990/Form990PartVIISectionA/Title | 0 | Director |
| IRS990/Form990PartVIISectionA/Title | 1 | Director |
| IRS990/Form990PartVIISectionA/Title | 2 | Secretary |
| IRS990/Form990PartVIISectionA/Title | 3 | Treasurer |
| IRS990/Form990PartVIISectionA/Title | 4 | Vice Chairman |
| IRS990/Form990PartVIISectionA/Title | 5 | Chairman |
| IRS990/Form990PartVIISectionA/Title | 6 | Manager |
| IRS990/Form990ProvidedToGoverningBody | 0 | false |
| IRS990/FormersListed | 0 | false |
| IRS990/FSAudited | 0 | true |
| IRS990/FSAuditedBasis/FinancialStatementSeparate | 0 | X |
| IRS990/FundraisingActivities | 0 | false |
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| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsToDomesticIndividuals/Total | 0 | 0 |
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| IRS990/GrantsToIndividuals | 0 | false |
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| IRS990/Hospital | 0 | false |
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| IRS990/Interest/Total | 0 | 10426 |
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| IRS990/InvestmentIncomeCurrentYear | 0 | 73950 |
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| IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome | 0 | 73950 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 73950 |
| IRS990/InvestmentInJointVenture | 0 | false |
| IRS990/InvestmentsOtherSecurities/BOY | 0 | 1094900 |
| IRS990/InvestmentsOtherSecurities/EOY | 0 | 2505571 |
| IRS990/InvestmentsProgramRelated/EOY | 0 | 0 |
| IRS990/InvestmentsPubTradedSecurities/EOY | 0 | 0 |
| IRS990/InvestTaxExemptBonds | 0 | false |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 619451 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 714027 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 66369 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 94576 |
| IRS990/LicensedMoreThanOneState | 0 | false |
| IRS990/LoanToOfficerOrDQP | 0 | true |
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| IRS990/LocalChapters | 0 | false |
| IRS990/MaterialDiversionOrMisuse | 0 | false |
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| IRS990/MissionDescription | 0 | Provide financial services and products to members. |
| IRS990/MoreThan5000KToIndividuals | 0 | false |
| IRS990/MoreThan5000KToOrganizations | 0 | false |
| IRS990/NameOfPrincipalOfficerPerson | 0 | Debbie Sheehan |
| IRS990/NbrIndependentVotingMembers | 0 | 6 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 6 |
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| IRS990/NetAssetsOrFundBalancesEOY | 0 | 688805 |
| IRS990/NetGainOrLossInvestments/TotalRevenueColumn | 0 | 0 |
| IRS990/NetIncomeFromFundraisingEvents/TotalRevenueColumn | 0 | 0 |
| IRS990/NetIncomeFromGaming/TotalRevenueColumn | 0 | 0 |
| IRS990/NetIncomeOrLoss/TotalRevenueColumn | 0 | 0 |
| IRS990/NetRentalIncomeOrLoss/TotalRevenueColumn | 0 | 0 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | -362 |
| IRS990/NonDeductibleContributions | 0 | false |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 271 |
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| IRS990/NumberW2GIncluded | 0 | 0 |
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| IRS990/OfficerEntityWithBsnssRltnshp | 0 | false |
| IRS990/OfficerMailingAddress | 0 | false |
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| IRS990/OtherExpenses/Description | 0 | NCUA Stabilization Expense |
| IRS990/OtherExpenses/Description | 1 | Postage and Shipping |
| IRS990/OtherExpenses/Description | 2 | Provision for Loan Losses |
| IRS990/OtherExpenses/Description | 3 | Loan Servicing Expenses |
| IRS990/OtherExpenses/Total | 0 | 7078 |
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| IRS990/OtherExpenses/Total | 2 | 17147 |
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| IRS990/OtherRevenueMisc/Description | 0 | Insurance Revenues |
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| IRS990/PartialLiquidation | 0 | false |
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| IRS990/ProgramServiceRevenue/Description | 0 | Visa Interchange Income |
| IRS990/ProgramServiceRevenue/Description | 1 | Other |
| IRS990/ProgramServiceRevenue/Description | 2 | NSF Fee \ Stop Payment |
| IRS990/ProgramServiceRevenue/Description | 3 | Interest on loans |
| IRS990/ProgramServiceRevenue/Description | 4 | Income from ATM |
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| IRS990ScheduleD/OtherLiabilities/Description | 0 | Member Share Accounts |
| IRS990ScheduleD/OtherLiabilities/Description | 1 | Member Deposit Accounts |
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| IRS990ScheduleL/LoanTable/NameBusiness/BusinessNameLine1 | 0 | NA per 2012 Instructions |
| IRS990ScheduleL/LoanTable/WrittenAgreement | 0 | true |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 1 | Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 2 | Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | Management reviews tax returns and forwards Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 4 | Mergers are voted on by entire membership. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 5 | Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 6 | Section 501(c) Credit Union is composed of members. |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | Form 990, Part VI, Line 19 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | Form 990, Part VI, Line 15b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | Form 990, Part VI, Line 12c |
| IRS990ScheduleO/GeneralExplanation/Identifier | 3 | Form 990, Part VI, Line 11b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 4 | Form 990, Part VI, Line 7b |
| IRS990ScheduleO/GeneralExplanation/Identifier | 5 | Form 990, Part VI, Line 7a |
| IRS990ScheduleO/GeneralExplanation/Identifier | 6 | Form 990, Part VI, Line 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | Form 990, Part VI, Line 19: Other Organization Documents Publicly Available |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | Form 990, Part VI, Line 11b: Form 990 Review Process |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder |
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| IRS990/School | 0 | false |
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| IRS990/Terminated | 0 | false |
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| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | Jackson |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | MI |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 49203 |
| IRS990/TheBooksAreInCareOf/NamePerson | 0 | Debbie Sheehan |
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| IRS990/TotalAssetsBOY | 0 | 8334596 |
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| IRS990/TotalAssetsEOY | 0 | 7884005 |
| IRS990/TotalCompGT150K | 0 | false |
| IRS990/TotalContributions | 0 | 0 |
| IRS990/TotalExpensesCurrentYear | 0 | 542960 |
| IRS990/TotalExpensesPriorYear | 0 | 529583 |
| IRS990/TotalFunctionalExpenses/Fundraising | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 0 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 542960 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 6408 |
| IRS990/TotalLiabilities/BOY | 0 | 7561672 |
| IRS990/TotalLiabilitiesBOY | 0 | 7561672 |
| IRS990/TotalLiabilities/EOY | 0 | 7195200 |
| IRS990/TotalLiabilitiesEOY | 0 | 7195200 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 8334596 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 7884005 |
| IRS990/TotalNbrEmployees | 0 | 6 |
| IRS990/TotalNbrVolunteers | 0 | 6 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 772924 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 688805 |
| IRS990/TotalOtherRevenue | 0 | 6408 |
| IRS990/TotalOthProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 15512 |
| IRS990/TotalOthProgramServiceRevenue/TotalRevenueColumn | 0 | 15512 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 371562 |
| IRS990/TotalReportableCompFromOrg | 0 | 55174 |
| IRS990/TotalRevenueCurrentYear | 0 | 451920 |
| IRS990/TotalRevenuePriorYear | 0 | 467240 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 445512 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 451920 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 6408 |
| IRS990/TransactionRelatedEntity | 0 | false |
| IRS990/TransfersToExemptNonChrtblOrg | 0 | false |
| IRS990/TravelEntrtnmntPublicOfficials/Total | 0 | 0 |
| IRS990/Travel/Total | 0 | 7938 |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | true |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | www.jcccu.org |
| IRS990/WhistleblowerPolicy | 0 | false |
| IRS990/YearFormation | 0 | 1957 |
| ReturnHeader/BuildTS | 0 | 2016-02-25 16:41:14Z |
| ReturnHeader/Filer/EIN | 0 | 381601592 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | Jackson City County Credit Union |
| ReturnHeader/Filer/NameControl | 0 | JACK |
| ReturnHeader/Filer/Phone | 0 | 5177877390 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | 2320 Francis St |
| ReturnHeader/Filer/USAddress/City | 0 | Jackson |
| ReturnHeader/Filer/USAddress/State | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 49203 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | true |
| ReturnHeader/Officer/DateSigned | 0 | 2013-04-04 |
| ReturnHeader/Officer/Name | 0 | Debbie Sheehan |
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