Civic Intelligence

Jackson County Teachers Credit Unio

990 • Fiscal year 2016 • EIN 59-0994379

Jan 01, 2016 to Dec 31, 2016 • Filed on May 04, 2017

Organization ProfileWWW.JACKSONCOUNTYTEACHERSCU.COM

View Organization Page

P O Box 954Marianna, FL 32447

(850) 526-4470

Siviq Scores

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

Liabilities / Assets

11th percentile

0.79x

Higher debt load relative to assets than 11% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

11th percentile

11.70x

Higher debt load relative to revenue than 11% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

88th percentile

18%

Higher net margin than 88% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

67th percentile

$108,583

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 6.2% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

65th percentile

4.6%

Faster asset growth than 65% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

56th percentile

3.7%

Faster revenue growth than 56% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$26,161,239

Up $1,155,800 (+4.6%) from 2015

Net Assets

Up

$5,578,113

Up $234,476 (+4.4%) from 2015

Liabilities

Up

$20,583,126

Up $921,324 (+4.7%) from 2015

Revenue And Expenses
Liabilities / Revenue11th percentileNet Margin88th percentile

Revenue

Up

$1,759,300

Up $63,195 (+3.7%) from 2015

Expenses

Down

$1,440,243

Down $40,475 (-2.7%) from 2015

Net Income

Up

$319,057

Up $103,670 (+48%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth65th 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

2016

Assets$26,161,239
Liabilities$20,583,126
Net Assets$5,578,113
Open 2016 Filing

Operations Trend

Revenue Growth56th 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

2016

Revenue$1,759,300
Expenses$1,440,243
Net Income$319,057
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 4, 2017
Return Version
2016v3.0
Gross Receipts
$1,759,300
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$13,580,313$13,857,290▲ $276,977
Savings and Temporary Cash Investments$9,530,571$10,309,809▲ $779,238
Rtn Earn Endowment Incm Other Fnds$5,343,637$5,578,113▲ $234,476
Land, Buildings, and Equipment, Net$548,584$523,084▼ $25,500
Prepaid Expenses and Deferred Charges$157,044$471,499▲ $314,455
Cash and Non-Interest-Bearing Accounts$398,794$329,264▼ $69,530
Receivables From Officers Etc$218,685$208,013▼ $10,672
Total Assets$25,005,439$26,161,239▲ $1,155,800
Other Assets Total$571,448$462,280▼ $109,168
Liabilities
Other Liabilities$19,571,202$20,461,036▲ $889,834
Accounts Payable and Accrued Expenses$90,600$122,090▲ $31,490
Total Liabilities$19,661,802$20,583,126▲ $921,324
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,343,637$5,578,113▲ $234,476
Total Liabilities and Net Assets / Fund Balance$25,005,439$26,161,239▲ $1,155,800

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$473,761$530,854$1,004,615
Land$49,323-$49,323
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Valena AlexanderCEOFT$108,583$108,583

Board Members and Trustees

NameTitle
Linda NeelChairman
James EdwardsVice Chair
Jeff FowlerBoard 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
$1,376,094
Investment Income
$60,153
Other Revenue
$323,053
Change in Net Assets
$319,057

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,759,300
Total Revenue per Audited Statements
$1,759,300
Total Revenue per Form 990
$1,759,300
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$715,889
Salaries, Compensation, and Employee Benefits$629,077
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$437,584-$437,584
Information Technology-$324,083-$324,083
Pension Plan Contributions-$112,480-$112,480
Benefits to Members$95,277--$95,277
Occupancy-$64,943-$64,943
Office Expenses-$62,881-$62,881
Other Employee Benefits-$48,418-$48,418
Conferences and Meetings-$41,736-$41,736
Depreciation Depletion-$40,182-$40,182
Advertising-$39,757-$39,757
Fees for Services Accounting-$32,986-$32,986
Payroll Taxes-$30,595-$30,595
Insurance-$21,158-$21,158
Fees for Services Legal-$15,221-$15,221
Travel-$2,810-$2,810
Other Expenses-$36-$36
All Other Expenses-$12-$12
Total Functional Expenses$95,277$1,344,966$0$1,440,243

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,440,243
Total Expenses per Audited Statements$1,440,243
Total Expenses per Form 990$1,440,243
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$218,685$208,013▼ $10,672
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares$11,326,136
Share Certificates$5,791,548
Share Drafts$3,334,519
Ira Certificates$8,833
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
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

Filer Name
Jackson County Teachers Credit Unio
EIN
59-0994379
Phone
8505264470
Address
P O BOX 954, MARIANNA, FL 32447

Signing Officer

Name
Valena Alexander
Title
CEO
Phone
8505264470
Signed
2017-05-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Valena Alexander
Formed
1954
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
0
Employees
13

Preparer

Firm
Grimsley Cavin & Company Pa
Address
PO BOX 220, MARIANNA, FL 32447
Preparer
Owen W Grimsley
Phone
8505263910
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Amortization of comp of net pension asset 74,544 net loss of component of net assets 0 net gains/losses of compof net pension asset -159,125 total -84,581”

Raw XML AppendixShowing 400 of 489 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt090600
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0122090
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0SERVICES TO QUALIFIED MEMBERS
IRS990/AdvertisingGrp/ManagementAndGeneralAmt039757
IRS990/AdvertisingGrp/TotalAmt039757
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt012
IRS990/AllOtherExpensesGrp/TotalAmt012
IRS990/AuditCommitteeInd0true
IRS990/BenefitsToMembersGrp/ProgramServicesAmt095277
IRS990/BenefitsToMembersGrp/TotalAmt095277
IRS990/BooksInCareOfDetail/PersonNm0VALENA ALEXANDER
IRS990/BooksInCareOfDetail/PhoneNum08505264470
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt04466 CLINTON STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0MARIANNA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0FL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd032446
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0398794
IRS990/CashNonInterestBearingGrp/EOYAmt0329264
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt041736
IRS990/ConferencesMeetingsGrp/TotalAmt041736
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt095277
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt060153
IRS990/CYOtherExpensesAmt0715889
IRS990/CYOtherRevenueAmt0323053
IRS990/CYProgramServiceRevenueAmt01376094
IRS990/CYRevenuesLessExpensesAmt0319057
IRS990/CYSalariesCompEmpBnftPaidAmt0629077
IRS990/CYTotalExpensesAmt01440243
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01759300
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt040182
IRS990/DepreciationDepletionGrp/TotalAmt040182
IRS990/Desc0DIVIDENDS PAID TO MEMBERS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt013
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt095277
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt032986
IRS990/FeesForServicesAccountingGrp/TotalAmt032986
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt015221
IRS990/FeesForServicesLegalGrp/TotalAmt015221
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt62.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt72.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/PersonNm0LINDA NEEL
IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES EDWARDS
IRS990/Form990PartVIISectionAGrp/PersonNm2DURANCE BRITT
IRS990/Form990PartVIISectionAGrp/PersonNm3RUTH BAKER
IRS990/Form990PartVIISectionAGrp/PersonNm4JEFF FOWLER
IRS990/Form990PartVIISectionAGrp/PersonNm5CLAY ROOKS
IRS990/Form990PartVIISectionAGrp/PersonNm6JOAN MILLER
IRS990/Form990PartVIISectionAGrp/PersonNm7FLORA DAVIS
IRS990/Form990PartVIISectionAGrp/PersonNm8VALENA ALEXANDER
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8108583
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5S'VISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt6S'VISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt7S'VISORY COM
IRS990/Form990PartVIISectionAGrp/TitleTxt8CEO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01759300
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt0324083
IRS990/InformationTechnologyGrp/TotalAmt0324083
IRS990/InsuranceGrp/ManagementAndGeneralAmt021158
IRS990/InsuranceGrp/TotalAmt021158
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt060153
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt060153
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0700
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0530854
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0548584
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0523084
IRS990/LandBldgEquipCostOrOtherBssAmt01053938
IRS990/LegalDomicileStateCd0FL
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt052484
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt052484
IRS990/MissionDesc0SERVICES TO QUALIFIED MEMBERS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05343637
IRS990/NetAssetsOrFundBalancesEOYAmt05578113
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt064943
IRS990/OccupancyGrp/TotalAmt064943
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt062881
IRS990/OfficeExpensesGrp/TotalAmt062881
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0571448
IRS990/OtherAssetsTotalGrp/EOYAmt0462280
IRS990/OtherChangesInNetAssetsAmt0-84581
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt048418
IRS990/OtherEmployeeBenefitsGrp/TotalAmt048418
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc1LEAGUE & ASSO DUES
IRS990/OtherExpensesGrp/Desc2ATM/DEBIT CARD LOSS
IRS990/OtherExpensesGrp/Desc3KIWANIS CLUB - FLAG
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt046180
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt112688
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt211216
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt336
IRS990/OtherExpensesGrp/TotalAmt046180
IRS990/OtherExpensesGrp/TotalAmt112688
IRS990/OtherExpensesGrp/TotalAmt211216
IRS990/OtherExpensesGrp/TotalAmt336
IRS990/OtherLiabilitiesGrp/BOYAmt019571202
IRS990/OtherLiabilitiesGrp/EOYAmt020461036
IRS990/OtherRevenueMiscGrp/Desc0ATM/DB CARD INCOME
IRS990/OtherRevenueMiscGrp/Desc1LATE FEES ON LOANS
IRS990/OtherRevenueMiscGrp/Desc2GAP INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0181427
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt156772
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt232370
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0181427
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt156772
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt232370
IRS990/OtherRevenueTotalAmt0323053
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0437584
IRS990/OtherSalariesAndWagesGrp/TotalAmt0437584
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt013580313
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013857290
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt030595
IRS990/PayrollTaxesGrp/TotalAmt030595
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0112480
IRS990/PensionPlanContributionsGrp/TotalAmt0112480
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0157044
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0471499
IRS990/PrincipalOfficerNm0VALENA ALEXANDER
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1INT ON CREDIT CARDS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01340603
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt135491
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01340603
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt135491
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt094586
IRS990/PYInvestmentIncomeAmt039674
IRS990/PYOtherExpensesAmt0803123
IRS990/PYOtherRevenueAmt0319354
IRS990/PYProgramServiceRevenueAmt01337077
IRS990/PYRevenuesLessExpensesAmt0215387
IRS990/PYSalariesCompEmpBnftPaidAmt0583009
IRS990/PYTotalExpensesAmt01480718
IRS990/PYTotalRevenueAmt01696105
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0218685
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0208013
IRS990/ReconcilationRevenueExpnssAmt0319057
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05343637
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05578113
IRS990/SavingsAndTempCashInvstGrp/BOYAmt09530571
IRS990/SavingsAndTempCashInvstGrp/EOYAmt010309809
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0473761
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0530854
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01004615
IRS990ScheduleD/ExpensesSubtotalAmt01440243
IRS990ScheduleD/LandGrp/BookValueAmt049323
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt049323
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt011326136
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15791548
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt23334519
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt38833
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA CERTIFICATES
IRS990ScheduleD/RevenueSubtotalAmt01759300
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0523084
IRS990ScheduleD/TotalExpensesPerForm990Amt01440243
IRS990ScheduleD/TotalLiabilityAmt020461036
IRS990ScheduleD/TotalRevenuePerForm990Amt01759300
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01759300
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01440243
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt030506
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt130000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt224940
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt318431
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt417210
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt516648
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt614865
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt714297
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt814085
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt910294
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt106780
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt115000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt122752
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt131140
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt141065
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd10true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd12true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd13true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd14true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd8false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd9false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd11false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd12false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd13false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd14false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd8X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd9X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd10X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd11X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd12X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd13X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd14X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0NEW VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1OPEN END
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2OPEN LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3PROGRAM CAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5USED CAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6OPEN LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7OPEN END SIGNATURE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8OPEN LINE OF CREDIT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt9USED REC VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt10UNSECURED
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt11SHARE LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt12PURCHASE AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt13CHRISTMAS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt036516
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt120000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt220000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt317291
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt422358
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt524634
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt615000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt715000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt815000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt912780
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1016343
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt115000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt126000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt1334458
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt141065
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0VALENA ALEXANDER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1VALENA ALEXANDER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2RUTH BAKER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3JEFF FOWLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4RUTH BAKER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5JEFF FOWLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6DURANCE BRITT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7JEFF FOWLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8FLORA DAVIS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm9JEFF FOWLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm10JAMES EDWARDS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm11VALENA ALEXANDER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm12JAMES E EDWARDS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm13DURANCE BRITT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm14VALENA ALEXANDER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd8true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd9true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd10true

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$26,161,239
Liabilities
$20,583,126
Net assets
$5,578,113
Revenue
$1,759,300
Expenses
$1,440,243
Net income
$319,057
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