Liabilities / Assets
7th percentile
Higher debt load relative to assets than 7% of similar nonprofits.
Jackson River Community Credit Union
990 • Fiscal year 2014 • EIN 54-0620788
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.03x
Liabilities / Revenue
7th percentile
Higher debt load relative to revenue than 7% of similar nonprofits.
Net Margin
35th percentile
Higher net margin than 35% of similar nonprofits.
Top Officer Pay
100th percentile
Higher top officer pay than 100% of similar nonprofits.
Top officer pay equals 76.9% of source-year revenue.
Asset Growth
57th percentile
Faster asset growth than 57% of similar nonprofits.
Revenue Growth
32nd percentile
Faster revenue growth than 32% of similar nonprofits.
Balance Sheet
Assets
Up$73,264,581
Up $2,397,997 (+3.4%) from 2013
Net Assets
Up$71,107,164
Up $1,929,528 (+2.8%) from 2013
Liabilities
Up$2,157,417
Up $468,469 (+28%) from 2013
Revenue And Expenses
Revenue
Down$2,239,730
Down $57,519 (-2.5%) from 2013
Expenses
Down$2,084,285
Down $48,048 (-2.3%) from 2013
Net Income
Down$155,445
Down $9,471 (-5.7%) from 2013
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2014 to Dec 31, 2014
- Signed
- Mar 27, 2015
- Return Version
- 2014v5.0
- Gross Receipts
- $2,239,730
Mission and Program Overview
Mission
To assist members in reaching their financial goals and needs. The credit union strives to keep fees and cost of services to a minimum. Services include but are not limited to: savings and checking accounts, consumer loans and mortgages.
The credit union exists to offer an array of financial services at no or minimal costs to its members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Rtn Earn Endowment Incm Other Fnds | $69,177,636 | $71,107,164 | ▲ $1,929,528 |
| Investments in Publicly Traded Securities | $29,669,595 | $31,871,650 | ▲ $2,202,055 |
| Savings and Temporary Cash Investments | $6,781,114 | $6,840,886 | ▲ $59,772 |
| Cash and Non-Interest-Bearing Accounts | $1,170,143 | $1,854,412 | ▲ $684,269 |
| Land, Buildings, and Equipment, Net | $1,272,454 | $1,262,888 | ▼ $9,566 |
| Prepaid Expenses and Deferred Charges | $74,813 | $54,794 | ▼ $20,019 |
| Accounts Receivable | $31,933 | $24,183 | ▼ $7,750 |
| Total Assets | $70,866,584 | $73,264,581 | ▲ $2,397,997 |
| Other Assets Total | $31,866,532 | $31,355,768 | ▼ $510,764 |
| Liabilities | |||
| Other Liabilities | $1,524,785 | $1,889,471 | ▲ $364,686 |
| Accounts Payable and Accrued Expenses | $164,163 | $267,946 | ▲ $103,783 |
| Total Liabilities | $1,688,948 | $2,157,417 | ▲ $468,469 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $69,177,636 | $71,107,164 | ▲ $1,929,528 |
| Total Liabilities and Net Assets / Fund Balance | $70,866,584 | $73,264,581 | ▲ $2,397,997 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $811,780 | $771,160 | - |
| Land | $332,210 | - | - |
| Equipment | $118,899 | $356,492 | - |
| Other Assets Org | $210,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Angela Blevins | CEO | FT | $157,101 | $1,564,947 | $1,722,048 |
| Angela Blevins | - | - | $136,099 | $1,585,949 | $1,722,048 |
Board Members and Trustees
| Name | Title |
|---|---|
| Earl Mcclung | Chairman of the Board |
| Hunter Fridley | Vice Chairman of the Board |
| Cynthia Fox | Board Member |
| Jim Birchfield Sr | Board Member |
| Roger Stover | Board Member |
| Andra Fridley | Secretary of the Board |
| David Vest | Treasurer of the Board |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,899,100
- Investment Income
- $340,630
- Other Revenue
- $0
- Change in Net Assets
- $155,445
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $2,239,730
- Total Revenue per Audited Statements
- $2,239,730
- Total Revenue per Form 990
- $2,239,730
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,288,821 |
| Salaries, Compensation, and Employee Benefits | $795,464 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $465,279 |
| Office Expenses | - | - | - | $457,045 |
| Fees for Services Accounting | - | - | - | $378,310 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $185,672 |
| Other Expenses | - | - | - | $156,824 |
| Other Employee Benefits | - | - | - | $109,291 |
| Depreciation Depletion | - | - | - | $94,868 |
| Occupancy | - | - | - | $70,345 |
| Payroll Taxes | - | - | - | $35,222 |
| Conferences and Meetings | - | - | - | $18,585 |
| Advertising | - | - | - | $12,176 |
| Total Functional Expenses | $0 | $0 | $0 | $2,084,285 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $2,084,285 |
| Total Expenses per Audited Statements | $2,084,285 |
| Total Expenses per Form 990 | $2,084,285 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Deferred Compensation Plans | $1,499,299 |
| General Ledger Suspense Clearing Accounts | $306,556 |
| Accrued Expenses | $77,884 |
| Federal Income Taxes | $5,522 |
| Dividends Payable | $210 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- 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
- No
- Conflict-of-interest policy
- Yes
- Audited financial statements prepared
- No
- Key decisions subject to board approval
- No
- Management duties delegated
- No
Filing and Contact Details
Filer
- Filer Name
- Jackson River Community Credit Union
- EIN
- 54-0620788
- Address
- 347 N COURT AVE, COVINGTON, VA 24426
Signing Officer
- Name
- Kathleen All
- Title
- VP
- Phone
- 5409626154
- Signed
- 2015-03-27
Organization Details
- Principal Officer
- Kathleen All
- Formed
- 1953
- Legal Domicile
- Va
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 17
- Volunteers
- 10
Supplemental Narrative
Additional Explanations
Section VI 6
“Credit unions are member owned. The charter states that each member age 18 & over has the right to 1 vote. An eligible voting member if agreed may be presented to the board for the special purpose of running for a seat on the board. Every member is considered on the same policies guidelines and requirements when applying for loans draft accounts and other credit union services.”
Section VI 19
“Financials are posted monthly at the credit union for member review. Detailed reports are presented and discussed with the board of directors at monthly board meetings. Other financial information can be produced or discussed upon request. Any information which is considered private or sensitive will only be shared with appropriate individuals.”
Section VI 12
“Board management and staff adhere to the policy guidelines for conflict of interest. In the event a conflict of interest arises a board member will abstain from voting or an employee will have management approve the situation prior to conducting a transaction. Board management and staff are responsible to report any conflict of interest prior to voting or acting on the situation. If not reported but discovered by management appropriate actions will be taken to resolve the issue and prevent it from occuring in the future.”
Section VI 15B
“The board appoints a wage & compensation committee from within the board. Prior to the the committee the ceo meets with senior management and discusses bonusesraisescola and all other aspects of wagebenefits for employees. The ceo then takes the recommendations to the committee. The committee will ammendconcur with the recommendations and then present to the board for the vote approval. The ceo compensation is discussed by the wage and compensation committee and then presented to the board during executive session. The board reviews wage and salary info from credit union data to examine the fairness and equality of pay.”
Section VI 11B
“Form 990 is reviewed by the ceo prior to sumission to the irs. The information used to produced and populate the 990 has been previously audited by an independent auditing firm.”
Section XI 9
“Other changes in the net assets or fund balances - this change represents the increase in member equity member deposits held at the credit union.”
Raw XML Appendix356 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/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 267946 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 31933 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 24183 |
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| IRS990/FormationYr | 0 | 1953 |
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| IRS990/GrantsToOrganizationsInd | 0 | false |
| IRS990/GrantToRelatedPersonInd | 0 | false |
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| IRS990/IRPDocumentCnt | 0 | 1470 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
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| IRS990/MaterialDiversionOrMisuseInd | 0 | false |
| IRS990/MembersOrStockholdersInd | 0 | false |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | true |
| IRS990/MinutesOfGoverningBodyInd | 0 | true |
| IRS990/MissionDesc | 0 | TO ASSIS MEMBERS IN REACHING THEIR FINANCIAL GOALS AND NEEDS. THE CREDIT UNION STRIVES TO KEEP FEES AND COST OF SERVICES TO A MINIMUM. SERVICES INCLUDE BUT ARE NOT LIMITED TO SHARE AND CHECKING ACCOUNTS CONSUMER LOANS AND MORTGAGES. |
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| IRS990/MoreThan5000KToOrgInd | 0 | false |
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| IRS990/OperateHospitalInd | 0 | false |
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| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 755506 |
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| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | FEE INCOME - FEES CHARGED TO MEMBERS. WHILE THE CREDIT UNION STRIVES TO MAINTAIN A LOW FEE RATE SCHEDULE SOME FEES ARE NEEDED. FEES IN MANY CASES CAN BE AVOIDED. THESE FEES INCLUDE NON-SUFFICIENT FUNDS FEE NEGATIVE OVERDRAFT PROTECTION FEES LATE PAYMENT FEES AND DORMANT FEES. OTHER FEES CHARGED FOR CU SERVICES INCLUDE SAFE DEPOSIT BOX RENTAL FEES STOP PAYMENT FEES AND WIRE FEES. OF THE 754380 REVENUE 267000 IS VISA CHECK CARD-INTERCHANGE INCOME. THIS AMOUNT IS OFFSET BY 289000 IN DEBIT CARD EXPENSES RESULTING IN A NET LOSS OF 22000 TO OPERATE THE DEBIT CARD PROGRAM. |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 754380 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990/PYInvestmentIncomeAmt | 0 | 312560 |
| IRS990/PYOtherExpensesAmt | 0 | 1270095 |
| IRS990/PYOtherRevenueAmt | 0 | 1740 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1982949 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 164916 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 862238 |
| IRS990/PYTotalExpensesAmt | 0 | 2132333 |
| IRS990/PYTotalRevenueAmt | 0 | 2297249 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 155445 |
| IRS990/RegularMonitoringEnfrcInd | 0 | true |
| IRS990/RelatedEntityInd | 0 | false |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990/ReportInvestmentsOtherSecInd | 0 | false |
| IRS990/ReportLandBuildingEquipmentInd | 0 | true |
| IRS990/ReportOtherAssetsInd | 0 | true |
| IRS990/ReportOtherLiabilitiesInd | 0 | true |
| IRS990/ReportProgramRelatedInvstInd | 0 | false |
| IRS990/RevenueAmt | 0 | 1143594 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 69177636 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 71107164 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 6781114 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 6840886 |
| IRS990/ScheduleBRequiredInd | 0 | false |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 811780 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 771160 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 1582940 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 118899 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 356492 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 475391 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2084285 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 5522 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 332210 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 332210 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 20054729 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 1494864 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 644559 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 3 | 112604 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 4 | 8566336 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 5 | 22676 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 6 | 250000 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 7 | 210000 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | LOANS TO MEMBERS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | PREFUNDED EMPLOLYEE RETIREMENT PLAN |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | NCUA SHARE INSURANCE |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 3 | ACCRUED INCOME |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 4 | DEFERRED COMPENSATION PLANS |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 5 | CUNA MUTUAL STABLIZATION FUND |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 6 | LINE OF CREDIT DEPOSIT - FIRST CAROLINA CORPORATE CU |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 7 | SPLIT LIFE DOLLAR PREMIUM - DEFERRED COMPENSATION |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 210 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 77884 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 1499299 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 306556 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 4 | 5522 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | DIVIDENDS PAYABLE |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | ACCRUED EXPENSES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | DEFERRED COMPENSATION PLANS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | GENERAL LEDGER SUSPENSE CLEARING ACCOUNTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 4 | FEDERAL INCOME TAXES |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 2239730 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1262889 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 31355768 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 2084285 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 1889471 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 2239730 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 2239730 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 2084285 |
| IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd | 0 | false |
| IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd | 0 | false |
| IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd | 0 | false |
| IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd | 0 | false |
| IRS990/ScheduleJRequiredInd | 0 | true |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 136099 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 21002 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 1108282 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 1536376 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 28571 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | ANGELA BLEVINS |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 1722048 |
| IRS990/ScheduleORequiredInd | 0 | true |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | CREDIT UNIONS ARE MEMBER OWNED. THE CHARTER STATES THAT EACH MEMBER AGE 18 & OVER HAS THE RIGHT TO 1 VOTE. AN ELIGIBLE VOTING MEMBER IF AGREED MAY BE PRESENTED TO THE BOARD FOR THE SPECIAL PURPOSE OF RUNNING FOR A SEAT ON THE BOARD. EVERY MEMBER IS CONSIDERED ON THE SAME POLICIES GUIDELINES AND REQUIREMENTS WHEN APPLYING FOR LOANS DRAFT ACCOUNTS AND OTHER CREDIT UNION SERVICES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | FINANCIALS ARE POSTED MONTHLY AT THE CREDIT UNION FOR MEMBER REVIEW. DETAILED REPORTS ARE PRESENTED AND DISCUSSED WITH THE BOARD OF DIRECTORS AT MONTHLY BOARD MEETINGS. OTHER FINANCIAL INFORMATION CAN BE PRODUCED OR DISCUSSED UPON REQUEST. ANY INFORMATION WHICH IS CONSIDERED PRIVATE OR SENSITIVE WILL ONLY BE SHARED WITH APPROPRIATE INDIVIDUALS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | BOARD MANAGEMENT AND STAFF ADHERE TO THE POLICY GUIDELINES FOR CONFLICT OF INTEREST. IN THE EVENT A CONFLICT OF INTEREST ARISES A BOARD MEMBER WILL ABSTAIN FROM VOTING OR AN EMPLOYEE WILL HAVE MANAGEMENT APPROVE THE SITUATION PRIOR TO CONDUCTING A TRANSACTION. BOARD MANAGEMENT AND STAFF ARE RESPONSIBLE TO REPORT ANY CONFLICT OF INTEREST PRIOR TO VOTING OR ACTING ON THE SITUATION. IF NOT REPORTED BUT DISCOVERED BY MANAGEMENT APPROPRIATE ACTIONS WILL BE TAKEN TO RESOLVE THE ISSUE AND PREVENT IT FROM OCCURING IN THE FUTURE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE BOARD APPOINTS A WAGE & COMPENSATION COMMITTEE FROM WITHIN THE BOARD. PRIOR TO THE THE COMMITTEE THE CEO MEETS WITH SENIOR MANAGEMENT AND DISCUSSES BONUSESRAISESCOLA AND ALL OTHER ASPECTS OF WAGEBENEFITS FOR EMPLOYEES. THE CEO THEN TAKES THE RECOMMENDATIONS TO THE COMMITTEE. THE COMMITTEE WILL AMMENDCONCUR WITH THE RECOMMENDATIONS AND THEN PRESENT TO THE BOARD FOR THE VOTE APPROVAL. THE CEO COMPENSATION IS DISCUSSED BY THE WAGE AND COMPENSATION COMMITTEE AND THEN PRESENTED TO THE BOARD DURING EXECUTIVE SESSION. THE BOARD REVIEWS WAGE AND SALARY INFO FROM CREDIT UNION DATA TO EXAMINE THE FAIRNESS AND EQUALITY OF PAY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | FORM 990 IS REVIEWED BY THE CEO PRIOR TO SUMISSION TO THE IRS. THE INFORMATION USED TO PRODUCED AND POPULATE THE 990 HAS BEEN PREVIOUSLY AUDITED BY AN INDEPENDENT AUDITING FIRM. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | OTHER CHANGES IN THE NET ASSETS OR FUND BALANCES - THIS CHANGE REPRESENTS THE INCREASE IN MEMBER EQUITY MEMBER DEPOSITS HELD AT THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | SECTION VI 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | SECTION VI 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | SECTION VI 12 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | SECTION VI 15B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | SECTION VI 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | SECTION XI 9 |
| IRS990/SchoolOperatingInd | 0 | false |
| IRS990/SignificantChangeInd | 0 | false |
| IRS990/SignificantNewProgramSrvcInd | 0 | false |
| IRS990/TaxablePartyNotificationInd | 0 | false |
| IRS990/TaxExemptBondsInd | 0 | false |
| IRS990/TempOrPermanentEndowmentsInd | 0 | false |
| IRS990/TerminateOperationsInd | 0 | false |
| IRS990/TotalAssetsBOYAmt | 0 | 70866584 |
| IRS990/TotalAssetsEOYAmt | 0 | 73264581 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 70866584 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 73264581 |
| IRS990/TotalCompGreaterThan150KInd | 0 | true |
| IRS990/TotalEmployeeCnt | 0 | 17 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 2084285 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 1688948 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 2157417 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 1688948 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 2157417 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 69177636 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 71107164 |
| IRS990/TotalOtherCompensationAmt | 0 | 1564947 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1899100 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 157101 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2239730 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 70866584 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 73264581 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | false |
| IRS990/UponRequestInd | 0 | X |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.YOURVITUALCU.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | true |
| ReturnHeader/BuildTS | 0 | 2016-02-25 16:41:14Z |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | KATHLEEN ALL |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | VP |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 5409626154 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2015-03-27 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | JACKSON RIVER COMMUNITY CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | JACK |
| ReturnHeader/Filer/EIN | 0 | 540620788 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 347 N COURT AVE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | COVINGTON |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | VA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 24426 |
| ReturnHeader/ReturnTs | 0 | 2015-04-02T16:28:00-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2014-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2014-12-31 |
| ReturnHeader/TaxYr | 0 | 2014 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2014 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $73,264,581
- Liabilities
- $2,157,417
- Net assets
- $71,107,164
- Revenue
- $2,239,730
- Expenses
- $2,084,285
- Net income
- $155,445