Liabilities / Assets
6th percentile
Higher debt load relative to assets than 6% of similar nonprofits.
Jackson River Community Credit Union
990 • Fiscal year 2017 • EIN 54-0620788
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.01x
Liabilities / Revenue
7th percentile
Higher debt load relative to revenue than 7% of similar nonprofits.
Net Margin
83rd percentile
Higher net margin than 83% of similar nonprofits.
Top Officer Pay
100th percentile
Higher top officer pay than 100% of similar nonprofits.
Top officer pay equals 92.3% of source-year revenue.
Asset Growth
27th percentile
Faster asset growth than 27% of similar nonprofits.
Revenue Growth
87th percentile
Faster revenue growth than 87% of similar nonprofits.
Balance Sheet
Assets
Up$78,637,146
Up $654,222 (+0.8%) from 2016
Net Assets
Up$77,559,459
Up $2,175,825 (+2.9%) from 2016
Liabilities
Down$1,077,687
Down $1,521,603 (-59%) from 2016
Revenue And Expenses
Revenue
Up$2,495,843
Up $306,386 (+14%) from 2016
Expenses
Down$2,025,188
Down $45,316 (-2.2%) from 2016
Net Income
Up$470,655
Up $351,702 (+296%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- Mar 14, 2018
- Return Version
- 2017v2.0
- Gross Receipts
- $2,495,843
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. 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, certificates of deposits, IRAs, consumer loans and mortgages.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Rtn Earn Endowment Incm Other Fnds | $75,383,634 | $77,559,459 | ▲ $2,175,825 |
| Investments in Publicly Traded Securities | $35,068,065 | $39,866,830 | ▲ $4,798,765 |
| Savings and Temporary Cash Investments | $9,398,414 | $10,016,450 | ▲ $618,036 |
| Cash and Non-Interest-Bearing Accounts | $1,505,916 | $1,570,740 | ▲ $64,824 |
| Land, Buildings, and Equipment, Net | $1,084,326 | $1,022,248 | ▼ $62,078 |
| Prepaid Expenses and Deferred Charges | $85,304 | $78,420 | ▼ $6,884 |
| Accounts Receivable | $24,117 | $22,863 | ▼ $1,254 |
| Investments Other Securities | $0 | $0 | → $0 |
| Investments Program Related | $0 | $0 | → $0 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Intangible Assets | - | $0 | - |
| Total Assets | $77,982,924 | $78,637,146 | ▲ $654,222 |
| Other Assets Total | $30,816,782 | $26,059,595 | ▼ $4,757,187 |
| Liabilities | |||
| Other Liabilities | $2,358,750 | $667,358 | ▼ $1,691,392 |
| Accounts Payable and Accrued Expenses | $240,540 | $410,329 | ▲ $169,789 |
| Total Liabilities | $2,599,290 | $1,077,687 | ▼ $1,521,603 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $75,383,634 | $77,559,459 | ▲ $2,175,825 |
| Total Liabilities and Net Assets / Fund Balance | $77,982,924 | $78,637,146 | ▲ $654,222 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $654,894 | $928,046 | $0 |
| Other Land Buildings | $0 | $0 | $0 |
| Land | $332,210 | - | $0 |
| Equipment | $35,144 | $440,743 | $0 |
| Leasehold Improvements | $0 | $0 | $0 |
| Other Assets Org | $420,000 | - | - |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Angela Blevins | CEO retiring May 1st | FT | $71,198 | $2,232,455 | $2,303,653 |
| Kathleen All | CEO Incumbent May 2nd | FT | $98,481 | $55,447 | $153,928 |
Board Members and Trustees
| Name | Title |
|---|---|
| Hunter Fridley | Chairman of the Board |
| David Vest | Vice Chairman of the Board |
| Earl McClung | Board Member |
| James Birchfield Sr | Board Member |
| Roger Stove | Board Member |
| Andra Fridley | Secretary of the Board |
| Cindy Fox | Treasurer of the Board |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,755,304
- Investment Income
- $739,433
- Other Revenue
- $1,106
- Change in Net Assets
- $470,655
Audited Revenue Reconciliation
- Revenue per Audited Statements
- $2,495,843
- Revenue Not Reported on Financial Statements
- $0
- Revenue Not Reported on Form 990
- $0
- Other Revenue Adjustments
- $0
- Total Revenue per Audited Statements
- $2,495,843
- Total Revenue per Form 990
- $2,495,843
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $1,225,128 |
| Salaries, Compensation, and Employee Benefits | $800,060 |
| 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 | - | - | - | $522,658 |
| Fees for Services Accounting | - | - | - | $435,385 |
| Office Expenses | - | - | - | $415,519 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $103,653 |
| Other Employee Benefits | - | - | - | $95,489 |
| Occupancy | - | - | - | $75,630 |
| Depreciation Depletion | - | - | - | $74,895 |
| Payroll Taxes | - | - | - | $63,165 |
| Advertising | - | - | - | $21,607 |
| Conferences and Meetings | - | - | - | $16,591 |
| Pension Plan Contributions | - | - | - | $15,095 |
| Other Expenses | - | - | - | $129 |
| Total Functional Expenses | $0 | $0 | $0 | $2,025,188 |
Audited Expense Reconciliation
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $2,025,188 |
| Total Expenses per Audited Statements | $2,025,188 |
| Total Expenses per Form 990 | $2,025,188 |
| 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 |
|---|---|
| General Ledger Suspense & Clearing Accounts | $537,129 |
| Accrued Expenses | $77,277 |
| Deferred Compensation Plan Payable | $44,495 |
| Dividends Payable to Members | $225 |
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. The charter states that each member, age 18 and 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.”
Form 990, Part VI, Section B, Line 11B
“Form 990 is completed and 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 auditing firm. The credit union is also subject to state examinations by the State of Virginia.”
Form 990, Part VI, Section B, Line 12C
“The credit union's board approved conflict of interest policy states that employees and any credit union volunteer must state a conflict of interest prior to a transaction or vote. Employees and volunteers are educated on this policy on a regular basis and understand the importance of avoiding and / or stating a conflict of interest.”
Form 990, Part VI, Section B, Line 15
“The Board of Directors appoints a Wage and Compensation committee from the current board members. 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 committee and presented to the board during an Executive Session. The board reviews wage and salary information from credit union data to examine the fairness and equality of pay.”
Form 990, Part VI, Section C, Line 18
“Monthly financial statements are posted 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.”
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
- 2018-03-14
Organization Details
- Principal Officer
- Kathleen All
- Formed
- 1953
- Legal Domicile
- Va
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 18
- Volunteers
- 10
Supplemental Narrative
Additional Explanations
Form 990, Part XI, Line 9
“Change in Member Account Balances (Member Equity) and Change in Other Comprehensive Income (Prepaid Employee Retirement) .”
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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. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 75383634 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 77559459 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NetUnrlzdGainsLossesInvstAmt | 0 | -201235 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 75630 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 415519 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 30816782 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 26059595 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 1906405 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 95489 |
| IRS990/OtherExpensesGrp/Desc | 0 | Allowances for Loan Lossess on Member Loans |
| IRS990/OtherExpensesGrp/Desc | 1 | Dividends Paid to Members on Deposit Accounts |
| IRS990/OtherExpensesGrp/Desc | 2 | Teller Drawer Overages / Shortages |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 31328 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 154044 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 129 |
| IRS990/OtherInd | 0 | X |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 2358750 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 667358 |
| IRS990/OtherOrganizationDsc | 0 | credit union |
| IRS990/OtherRevenueTotalAmt | 0 | 1106 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 522658 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 63165 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 15095 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 85304 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 78420 |
| IRS990/PrincipalOfficerNm | 0 | Kathleen All |
| IRS990/PriorPeriodAdjustmentsAmt | 0 | 0 |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522130 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522130 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Loans to Members |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/ExclusionAmt | 1 | 0 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 994983 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 760321 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 994983 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 760321 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 0 |
| 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 $760,321, $293,259 is Visa Check Card - Interchange Income. This amount is offset by $267,035 in Visa Check Card expenses. |
| IRS990/ProgSrvcAccomActy2Grp/RevenueAmt | 0 | 760321 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 475139 |
| IRS990/PYOtherExpensesAmt | 0 | 1245955 |
| IRS990/PYOtherRevenueAmt | 0 | 1037 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1713281 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 118953 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 824549 |
| IRS990/PYTotalExpensesAmt | 0 | 2070504 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 2189457 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 470655 |
| 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 | 994983 |
| IRS990/RoyaltiesRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt | 0 | 0 |
| IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 75383634 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 77559459 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 9398414 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 10016450 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 654894 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 928046 |
| IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt | 0 | 1582940 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesAndUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/DonatedServicesUseFcltsAmt | 0 | 0 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 35144 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 440743 |
| IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt | 0 | 475887 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 2025188 |
| IRS990ScheduleD/FederalIncomeTaxLiabilityAmt | 0 | 8232 |
| 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 | 20748200 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 1 | 855811 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 2 | 465000 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 3 | 701853 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 4 | 204990 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 5 | 2519246 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 6 | 144495 |
| IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt | 7 | 420000 |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 0 | Loans to Members |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 1 | Prefunded Employee Retirement Account |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 2 | Required Deposit for ATM & Debit Card Service & LOC |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 3 | NCUA Share Insurance |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 4 | Accrued Income (Loans & Investments) |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 5 | Employee Benefits-Investments |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 6 | Deferred Compensation Plan |
| IRS990ScheduleD/OtherAssetsOrgGrp/Desc | 7 | Split Dollar Life 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 | 225 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 77277 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 44495 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 537129 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Dividends Payable to Members |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | Accrued Expenses |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | Deferred Compensation Plan Payable |
| 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 | 2495843 |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1022248 |
| IRS990ScheduleD/TotalBookValueOtherAssetsAmt | 0 | 26059595 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 2025188 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 667358 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 2495843 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 2495843 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 2025188 |
| IRS990ScheduleJ/CompensationCommitteeInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 71198 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 2200000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 2166 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 11455 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 2218834 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Angela Blevins |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO retiring May 1st |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 2303653 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | Angela Blevins, CEO, retired on May 1, 2017. At that time her 457f deferred compensation was paid to her as agreed upon in her employment / retirement contract. Payment was $2.2million as previously agreed upon. This payout was included on her W2 (box 1 & 5) for calendar year 2017. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule J, Part I, Line 4 |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Credit unions are member owned. The charter states that each member, age 18 and 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 | Form 990 is completed and 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 auditing firm. The credit union is also subject to state examinations by the State of Virginia. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The credit union's board approved conflict of interest policy states that employees and any credit union volunteer must state a conflict of interest prior to a transaction or vote. Employees and volunteers are educated on this policy on a regular basis and understand the importance of avoiding and / or stating a conflict of interest. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The Board of Directors appoints a Wage and Compensation committee from the current board members. 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 committee and presented to the board during an Executive Session. The board reviews wage and salary information from credit union data to examine the fairness and equality of pay. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Monthly financial statements are posted 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 | 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 | 6 | Change in Member Account Balances (Member Equity) and Change in Other Comprehensive Income (Prepaid Employee Retirement) . |
| 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 18 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section C, Line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | 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 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $78,637,146
- Liabilities
- $1,077,687
- Net assets
- $77,559,459
- Revenue
- $2,495,843
- Expenses
- $2,025,188
- Net income
- $470,655