Civic Intelligence

Jackson County Teachers Credit Unio

990 • Fiscal year 2013 • EIN 59-0994379

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 03, 2014

Organization ProfileWWW.JACKSONCOUNTYTEACHERSCU.COM

View Organization Page

P O Box 95432447

(850) 526-4470

Siviq Scores

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

Liabilities / Assets

19th percentile

0.79x

Higher debt load relative to assets than 19% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

14th percentile

11.24x

Higher debt load relative to revenue than 14% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

68th percentile

8.4%

Higher net margin than 68% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

94th percentile

$122,667

Higher top officer pay than 94% of similar nonprofits.

Top officer pay equals 7.2% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

66th percentile

3.6%

Faster asset growth than 66% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

32nd percentile

-1.8%

Faster revenue growth than 32% of similar nonprofits.

2013 filings • $10M-$25M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$24,347,607

Up $842,396 (+3.6%) from 2012

Net Assets

Up

$5,166,532

Up $272,991 (+5.6%) from 2012

Liabilities

Up

$19,181,075

Up $569,405 (+3.1%) from 2012

Revenue And Expenses
Liabilities / Revenue14th percentileNet Margin68th percentile

Revenue

$1,706,065

No earlier filing loaded for comparison.

Expenses

Up

$1,562,524

Up $157,061 (+11%) from 2012

Net Income

$143,541

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$60M$40M$20M$0Assets 2010: $22,655,939Liabilities 2010: $18,055,846Net Assets 2010: $4,600,0932010Assets 2011: $22,896,071Liabilities 2011: $18,313,488Net Assets 2011: $4,582,5832011Assets 2012: $23,505,211Liabilities 2012: $18,611,670Net Assets 2012: $4,893,5412012Assets 2013: $24,347,607Liabilities 2013: $19,181,075Net Assets 2013: $5,166,5322013Assets 2014: $25,378,487Liabilities 2014: $20,162,041Net Assets 2014: $5,216,4462014Assets 2015: $25,005,439Liabilities 2015: $19,661,802Net Assets 2015: $5,343,6372015Assets 2016: $26,161,239Liabilities 2016: $20,583,126Net Assets 2016: $5,578,1132016Assets 2017: $26,546,955Liabilities 2017: $20,696,856Net Assets 2017: $5,850,0992017Assets 2018: $35,452,606Liabilities 2018: $29,201,234Net Assets 2018: $6,251,3722018Assets 2019: $34,572,256Liabilities 2019: $28,001,983Net Assets 2019: $6,570,2732019Assets 2020: $37,457,074Liabilities 2020: $30,797,116Net Assets 2020: $6,659,9582020Assets 2021: $41,372,065Liabilities 2021: $34,621,190Net Assets 2021: $6,750,8752021Assets 2022: $40,932,332Liabilities 2022: $33,966,329Net Assets 2022: $6,966,0032022Assets 2023: $40,708,730Liabilities 2023: $33,659,871Net Assets 2023: $7,048,8592023Assets 2024: $42,265,930Liabilities 2024: $34,883,209Net Assets 2024: $7,382,7212024

Highlighted filing

2013

Assets$24,347,607
Liabilities$19,181,075
Net Assets$5,166,532
Open 2013 Filing

Operations Trend

Revenue Growth32nd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$3.0M$2.0M$1.0M$0Expenses 2010: $1,753,0492010Revenue 2011: $1,768,854Expenses 2011: $1,565,889Net Income 2011: $202,9652011Expenses 2012: $1,405,4632012Revenue 2013: $1,706,065Expenses 2013: $1,562,524Net Income 2013: $143,5412013Revenue 2014: $1,698,657Expenses 2014: $1,378,805Net Income 2014: $319,8522014Revenue 2015: $1,696,105Expenses 2015: $1,480,718Net Income 2015: $215,3872015Revenue 2016: $1,759,300Expenses 2016: $1,440,243Net Income 2016: $319,0572016Revenue 2017: $1,842,154Expenses 2017: $1,535,445Net Income 2017: $306,7092017Revenue 2018: $1,922,843Expenses 2018: $1,845,651Net Income 2018: $77,1922018Revenue 2019: $2,048,809Expenses 2019: $1,880,548Net Income 2019: $168,2612019Revenue 2020: $1,866,807Expenses 2020: $1,746,912Net Income 2020: $119,8952020Revenue 2021: $1,876,829Expenses 2021: $1,696,698Net Income 2021: $180,1312021Revenue 2022: $1,924,592Expenses 2022: $1,721,081Net Income 2022: $203,5112022Revenue 2023: $1,981,206Expenses 2023: $1,804,733Net Income 2023: $176,4732023Revenue 2024: $2,256,677Expenses 2024: $1,922,815Net Income 2024: $333,8622024

Highlighted filing

2013

Revenue$1,706,065
Expenses$1,562,524
Net Income$143,541
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 3, 2014
Return Version
2013v3.1
Gross Receipts
$1,706,065
Mission and Program Overview

Mission

Credit union - to provide services to approximately 2,812 members in the form of loans, savings, and other financial services.

Services to qualified members

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$13,602,482$13,376,044▼ $226,438
Savings and Temporary Cash Investments$7,751,170$8,592,660▲ $841,490
Rtn Earn Endowment Incm Other Fnds$4,893,541$5,166,532▲ $272,991
Land, Buildings, and Equipment, Net$637,184$608,845▼ $28,339
Cash and Non-Interest-Bearing Accounts$440,054$451,041▲ $10,987
Receivables From Officers Etc$155,274$154,830▼ $444
Prepaid Expenses and Deferred Charges$113,505$150,404▲ $36,899
Total Assets$23,505,211$24,347,607▲ $842,396
Other Assets Total$805,542$1,013,783▲ $208,241
Liabilities
Other Liabilities$18,509,591$19,043,862▲ $534,271
Accounts Payable and Accrued Expenses$102,079$137,213▲ $35,134
Total Liabilities$18,611,670$19,181,075▲ $569,405
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,893,541$5,166,532▲ $272,991
Total Liabilities and Net Assets / Fund Balance$23,505,211$24,347,607▲ $842,396

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$559,522$422,310$981,832
Land$49,323-$49,323
Compensation and Service Providers
Top Officer Pay94th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Theta LolleyCEOFT$122,667$122,667

Board Members and Trustees

NameTitle
Linda NeelChairman
James EdwardsVice Chair
James Ebbie HarrisBoard Member
Ruth BakerBoard Member
Clay RooksS'VISORY COM
Flora DavisS'VISORY COM
Joan MillerS'VISORY COM
Durance BrittSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,315,039
Investment Income
$33,236
Other Revenue
$357,790
Change in Net Assets
$143,541

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,706,065
Total Revenue per Audited Statements
$1,706,065
Total Revenue per Form 990
$1,706,065
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$899,577
Salaries, Compensation, and Employee Benefits$569,530
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$455,573-$455,573
Information Technology-$295,684-$295,684
Benefits to Members$93,417--$93,417
Occupancy-$80,241-$80,241
Office Expenses-$73,018-$73,018
Other Employee Benefits-$58,275-$58,275
Payroll Taxes-$33,996-$33,996
Conferences and Meetings-$28,346-$28,346
Pension Plan Contributions-$21,686-$21,686
Insurance-$19,456-$19,456
Fees for Services Legal-$16,542-$16,542
Fees for Services Accounting-$14,810-$14,810
Advertising-$11,429-$11,429
Other Expenses-$4,486-$4,486
All Other Expenses-$2,386-$2,386
Travel-$2,190-$2,190
Total Functional Expenses$93,417$1,469,107$0$1,562,524

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,562,524
Total Expenses per Audited Statements$1,562,524
Total Expenses per Form 990$1,562,524
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$155,274$154,830▼ $444
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$8,774,739
Share Certificates$7,825,958
Share Drafts$2,434,502
Ira Certificates$8,663
Shares-
Share Drafts-
Share Certificates-
Ira Certificates-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
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 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 19

“The governing documents and financial information is made available to the public upon request.”

Filing and Contact Details

Filer

EIN
59-0994379
Phone
8505264470

Signing Officer

Name
Theta Lolley
Title
Manager
Phone
8505264470
Signed
2014-10-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Theta Lolley
Formed
1954
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
0
Employees
10

Preparer

Preparer
Owen W Grimsley
Phone
8505263910
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Amortization of comp of net pension asset 53,455 net gas of component of net pension asset 75,995 net gains/losses of compof net pension asset 0”

Raw XML AppendixShowing 400 of 497 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0PURCHASE CAMPER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1PURCHASE AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTOMOBILE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3PURCHASE AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4OPEN LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5NEW VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6OPEN LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7OPEN LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8OPEN LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9NEW FURNITURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10PURCHASE VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11PURCHASE FURNITURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12PURCHASE AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt13FUNERAL EXPENSE
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2JAMES EDWARDS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3RUTH BAKER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4DURANCE BRITT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5FLORA DAVIS
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8RUTH BAKER
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11JAMES E HARRIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm12DURANCE BRITT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm13DURANCE BRITT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm14FLORA DAVIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm15THETA LOLLEY
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Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$24,347,607
Liabilities
$19,181,075
Net assets
$5,166,532
Revenue
$1,706,065
Expenses
$1,562,524
Net income
$143,541
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.3$34.9$7.38$2.26$1.92$0.33
2023Detailed filing. Detailed filing data is available for this year.$40.7$33.7$7.05$1.98$1.80$0.18
2022Detailed filing. Detailed filing data is available for this year.$40.9$34.0$6.97$1.92$1.72$0.20
2021Detailed filing. Detailed filing data is available for this year.$41.4$34.6$6.75$1.88$1.70$0.18
2020Detailed filing. Detailed filing data is available for this year.$37.5$30.8$6.66$1.87$1.75$0.12
2019Detailed filing. Detailed filing data is available for this year.$34.6$28.0$6.57$2.05$1.88$0.17
2018Detailed filing. Detailed filing data is available for this year.$35.5$29.2$6.25$1.92$1.85$0.08
2017Detailed filing. Detailed filing data is available for this year.$26.5$20.7$5.85$1.84$1.54$0.31
2016Detailed filing. Detailed filing data is available for this year.$26.2$20.6$5.58$1.76$1.44$0.32
2015Detailed filing. Detailed filing data is available for this year.$25.0$19.7$5.34$1.70$1.48$0.22
2014Detailed filing. Detailed filing data is available for this year.$25.4$20.2$5.22$1.70$1.38$0.32
2013Detailed filing. Detailed filing data is available for this year.$24.3$19.2$5.17$1.71$1.56$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.5$18.6$4.89$1.41
2011Summary only. Only limited summary data is available for this year.$22.9$18.3$4.58$1.77$1.57$0.20
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.7$18.1$4.60$1.75
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2013 filings • 501(c)14 • $10M-$25M nonprofits