Liabilities / Assets
7th percentile
Higher debt load relative to assets than 7% of similar nonprofits.
Jackson River Community Credit Union
990 • Fiscal year 2015 • EIN 54-0620788
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.03x
Liabilities / Revenue
8th percentile
Higher debt load relative to revenue than 8% of similar nonprofits.
Net Margin
45th percentile
Higher net margin than 45% of similar nonprofits.
Top Officer Pay
100th percentile
Higher top officer pay than 100% of similar nonprofits.
Top officer pay equals 103.4% of source-year revenue.
Asset Growth
54th percentile
Faster asset growth than 54% of similar nonprofits.
Revenue Growth
15th percentile
Faster revenue growth than 15% of similar nonprofits.
Balance Sheet
Assets
Up$76,652,413
Up $3,387,832 (+4.6%) from 2014
Net Assets
Up$74,458,046
Up $3,350,882 (+4.7%) from 2014
Liabilities
Up$2,194,367
Up $36,950 (+1.7%) from 2014
Revenue And Expenses
Revenue
Down$2,154,724
Down $85,006 (-3.8%) from 2014
Expenses
Down$1,986,119
Down $98,166 (-4.7%) from 2014
Net Income
Up$168,605
Up $13,160 (+8.5%) from 2014
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2015 to Dec 31, 2015
- Signed
- Apr 12, 2016
- Return Version
- 2015v2.1
- Gross Receipts
- $2,154,724
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.
Credit Unions exist to offer an array of financial services at no or minimal costs to it's members.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Rtn Earn Endowment Incm Other Fnds | $71,107,164 | $74,458,046 | ▲ $3,350,882 |
| Investments in Publicly Traded Securities | $31,871,650 | $35,845,396 | ▲ $3,973,746 |
| Savings and Temporary Cash Investments | $6,840,886 | $7,920,740 | ▲ $1,079,854 |
| Cash and Non-Interest-Bearing Accounts | $1,854,412 | $1,705,098 | ▼ $149,314 |
| Land, Buildings, and Equipment, Net | $1,262,888 | $1,170,309 | ▼ $92,579 |
| Prepaid Expenses and Deferred Charges | $54,794 | $37,420 | ▼ $17,374 |
| Accounts Receivable | $24,183 | $28,579 | ▲ $4,396 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $73,264,581 | $76,652,413 | ▲ $3,387,832 |
| Other Assets Total | $31,355,768 | $29,944,871 | ▼ $1,410,897 |
| Liabilities | |||
| Other Liabilities | $1,889,471 | $2,046,328 | ▲ $156,857 |
| Accounts Payable and Accrued Expenses | $267,946 | $148,039 | ▼ $119,907 |
| Total Liabilities | $2,157,417 | $2,194,367 | ▲ $36,950 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $71,107,164 | $74,458,046 | ▲ $3,350,882 |
| Total Liabilities and Net Assets / Fund Balance | $73,264,581 | $76,652,413 | ▲ $3,387,832 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $758,585 | $824,355 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $332,210 | - | $0 |
| Equipment | $79,514 | $391,408 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Assets Org | $280,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Angela Blevins | CEO | FT | $155,266 | $2,125,128 | $2,280,394 |
Board Members and Trustees
| Name | Title |
|---|---|
| Earl McClung | Chairman of the Board |
| Hunter Fridley | Vice Chairman of the Board |
| Andra Fridley | Secretary of the Board |
| David Vest | Treasurer of the Board |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,759,952
- Investment Income
- $394,772
- Other Revenue
- $0
- Change in Net Assets
- $168,605
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $2,154,724
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Other Revenue Adjustments
- $0
- Total Revenue per Audited Statements
- $2,154,724
- Total Revenue per Form 990
- $2,154,724
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,242,147 |
| Salaries, Compensation, and Employee Benefits | $743,972 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $471,693 |
| Other Salaries and Wages | - | - | - | $433,429 |
| Fees for Services Accounting | - | - | - | $405,400 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $207,757 |
| Other Expenses | - | - | - | $144,789 |
| Depreciation Depletion | - | - | - | $96,928 |
| Other Employee Benefits | - | - | - | $69,903 |
| Occupancy | - | - | - | $64,198 |
| Payroll Taxes | - | - | - | $32,883 |
| Conferences and Meetings | - | - | - | $19,260 |
| Advertising | - | - | - | $16,552 |
| Total Functional Expenses | $0 | $0 | $0 | $1,986,119 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,986,119 |
| Total Expenses per Audited Statements | $1,986,119 |
| Total Expenses per Form 990 | $1,986,119 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Other Expense Adjustments | $0 |
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
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Deferred Compensations Plans | $1,617,935 |
| General Ledger Suspense/Clearing Accounts | $353,549 |
| Accrued Expenses | $70,082 |
| Dividend Payable to Members | $210 |
Governance and Compliance
Governance Checklist
- Compiled or reviewed by an accountant
- No
- Annual disclosure for covered persons
- Yes
- Audit committee
- Yes
- Backup withholding compliance
- 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
Governance Explanations
Form 990, Part VI, Section A, Line 7A
“Credit unions are member owned. Charters read that each member, age 18 and over, has the right to 1 vote when electing the board of directors. An eligible voting member, if agreed, may be presented to the board for the 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.”
Form 990, Part VI, Section B, Line 11B
“Form 990 is reviewed by the CEO prior to submission to the IRS. The information used to produce and populate the 990 has been previously audited by an independent audit firm.”
Form 990, Part VI, Section B, Line 12C
“Board, management and staff adhere to the policy guidelines for conflict of interest. In the event of 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 occurring in the future.”
Form 990, Part VI, Section B, Line 15
“The board appoints a Wage and Compensation Committee from within the board. Prior to the committee meeting, the CEO meets with senior management and discusses bonuses/raises/COLA and all other aspects of wage/benefits for employees. The CEO then takes the recommendations to the committee. The committee will amend/concur 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.”
Form 990, Part VI, Section C, Line 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.”
Filing and Contact Details
Filer
- Filer Name
- Jackson River Community Credit Union
- EIN
- 54-0620788
- Phone
- 5409626154
- Address
- 347 N Court Ave, Covington, VA 24426
Signing Officer
- Name
- Kathleen All
- Title
- VP Operations
- Phone
- 5409626154
- Signed
- 2016-04-12
Organization Details
- Principal Officer
- Angela Blevins
- Formed
- 1953
- Legal Domicile
- Va
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 16
- Volunteers
- 10
Supplemental Narrative
Additional Explanations
Form 990, Part XI, Line 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”
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| IRS990/MissionDesc | 0 | 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. |
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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 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 $745239, $284,968 is Visa Check Card - Interchange Income. This amount is offset by $319,782 in Visa Check Card expenses. Resulting in a loss on the check card program of $34,814. |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 745239 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 340630 |
| IRS990/PYOtherExpensesAmt | 0 | 1288821 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1899100 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 155445 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 795464 |
| IRS990/PYTotalExpensesAmt | 0 | 2084285 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2239730 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 168605 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/PersonalAmt | 0 | 0 |
| IRS990/RentalIncomeOrLossGrp/RealAmt | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 1 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 1013756 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 71107164 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 74458046 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 6840886 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 7920740 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 758585 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 824355 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 1582940 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 79514 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 391408 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 470922 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 1986119 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 4552 |
| IRS990ScheduleD/InvestmentExpensesNotIncld2Amt | 0 | 0 |
| IRS990ScheduleD/InvestmentExpensesNotIncldAmt | 0 | 0 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 332210 |
| IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt | 0 | 332210 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/LossesReportedAmt | 0 | 0 |
| IRS990ScheduleD/NetUnrealizedGainsInvstAmt | 0 | 0 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 0 | 18250301 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 1494864 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 465000 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 3 | 649753 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 4 | 119981 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 5 | 8684972 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 6 | 280000 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | Loans to Members |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | Prefunded Employee Retirement |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | Line of Credit Req'd Dep & Debit Card Reserve |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 3 | NCUA Share Insurance |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 4 | Accrued Income |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 5 | Deferred Compensation Plans |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 6 | Split Life Dollar Premiums - Deferred Compensation |
| IRS990ScheduleD/OtherExpensesIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherExpensesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 210 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 70082 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 1617935 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 353549 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Dividend Payable to Members |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Accrued Expenses |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | Deferred Compensations Plans |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | General Ledger Suspense/Clearing Accounts |
| IRS990ScheduleD/OtherRevenueAmt | 0 | 0 |
| IRS990ScheduleD/OtherRevenuesNotIncludedAmt | 0 | 0 |
| IRS990ScheduleD/PriorYearAdjustmentsAmt | 0 | 0 |
| IRS990ScheduleD/RecoveriesPriorYearGrantsAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 2154724 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1170309 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 29944871 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 1986119 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 2046328 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 2154724 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 2154724 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 1986119 |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 155266 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 26156 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 2072637 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 26335 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Angela Blevins |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 2280394 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Credit unions are member owned. Charters read that each member, age 18 and over, has the right to 1 vote when electing the board of directors. An eligible voting member, if agreed, may be presented to the board for the 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 | Form 990 is reviewed by the CEO prior to submission to the IRS. The information used to produce and populate the 990 has been previously audited by an independent audit firm. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Board, management and staff adhere to the policy guidelines for conflict of interest. In the event of 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 occurring in the future. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The board appoints a Wage and Compensation Committee from within the board. Prior to the committee meeting, the CEO meets with senior management and discusses bonuses/raises/COLA and all other aspects of wage/benefits for employees. The CEO then takes the recommendations to the committee. The committee will amend/concur 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 | 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 | 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 | Form 990, Part VI, Section A, Line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section B, Line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section B, Line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section B, Line 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section C, Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part XI, Line 9 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
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| IRS990/TotalAssetsEOYAmt | 0 | 76652413 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 73264581 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 76652413 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalContributionsAmt | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 16 |
| IRS990/TotalFunctionalExpensesGrp/FundraisingAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt | 0 | 0 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1986119 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 2157417 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 2194367 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 2157417 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 2194367 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 71107164 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 74458046 |
| IRS990/TotalOtherCompensationAmt | 0 | 2072637 |
| IRS990/TotalOtherProgSrvcExpenseAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcGrantAmt | 0 | 0 |
| IRS990/TotalOtherProgSrvcRevenueAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalProgramServiceExpensesAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1759952 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 155266 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 2154724 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 2154724 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 10 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 73264581 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 76652413 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 347 N Court Ave |
| IRS990/USAddress/CityNm | 0 | Covington |
| IRS990/USAddress/StateAbbreviationCd | 0 | VA |
| IRS990/USAddress/ZIPCd | 0 | 24426 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | www.yourvirtualcu.org |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2015 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $76,652,413
- Liabilities
- $2,194,367
- Net assets
- $74,458,046
- Revenue
- $2,154,724
- Expenses
- $1,986,119
- Net income
- $168,605