Civic Intelligence

Jackson County Teachers Credit Unio

990 • Fiscal year 2019 • EIN 59-0994379

Jan 01, 2019 to Dec 31, 2019 • Filed on Jun 03, 2020

Organization ProfileWWW.JACKSONCOUNTYTCU.COM

View Organization Page

4466 Clinton StreetMarianna, FL 32446

(850) 526-4470

Siviq Scores

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

Liabilities / Assets

18th percentile

0.81x

Higher debt load relative to assets than 18% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Liabilities / Revenue

22nd percentile

13.67x

Higher debt load relative to revenue than 22% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Net Margin

35th percentile

8.2%

Higher net margin than 35% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Top Officer Pay

82nd percentile

$139,637

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 6.8% of source-year revenue.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2019

Asset Growth

12th percentile

-2.5%

Faster asset growth than 12% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Revenue Growth

52nd percentile

6.6%

Faster revenue growth than 52% of similar nonprofits.

2019 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets18th percentile

Assets

Down

$34,572,256

Down $880,350 (-2.5%) from 2018

Net Assets

Up

$6,570,273

Up $318,901 (+5.1%) from 2018

Liabilities

Down

$28,001,983

Down $1,199,251 (-4.1%) from 2018

Revenue And Expenses
Liabilities / Revenue22nd percentileNet Margin35th percentile

Revenue

Up

$2,048,809

Up $125,966 (+6.6%) from 2018

Expenses

Up

$1,880,548

Up $34,897 (+1.9%) from 2018

Net Income

Up

$168,261

Up $91,069 (+118%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth12th 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

2019

Assets$34,572,256
Liabilities$28,001,983
Net Assets$6,570,273
Open 2019 Filing

Operations Trend

Revenue Growth52nd 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

2019

Revenue$2,048,809
Expenses$1,880,548
Net Income$168,261
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 3, 2020
Return Version
2019v5.0
Gross Receipts
$2,048,809
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.

Credit union - to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related-$14,088,164-
Accounts Receivable$14,202,356$13,482,689▼ $719,667
Rtn Earn Endowment Incm Other Fnds$6,251,372$5,592,334▼ $659,038
Cash and Non-Interest-Bearing Accounts$283,175$3,567,669▲ $3,284,494
Savings and Temporary Cash Investments$19,539,288$2,252,637▼ $17,286,651
Cap Stk Tr Prin Current Funds-$977,939-
Land, Buildings, and Equipment, Net$568,955$562,620▼ $6,335
Other Notes and Loans Receivable, Net$159,988--
Prepaid Expenses and Deferred Charges$275,173$146,730▼ $128,443
Total Assets$35,452,606$34,572,256▼ $880,350
Other Assets Total$423,671$471,747▲ $48,076
Liabilities
Other Liabilities$28,961,849$27,819,105▼ $1,142,744
Accounts Payable and Accrued Expenses$239,385$182,878▼ $56,507
Total Liabilities$29,201,234$28,001,983▼ $1,199,251
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,251,372$6,570,273▲ $318,901
Total Liabilities and Net Assets / Fund Balance$35,452,606$34,572,256▼ $880,350

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$395,377$387,875$783,252
Land$138,193-$138,193
Equipment$29,050$50,680$79,730
Investment Program Related Org$219,164--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Valena AlexanderCEOFT$127,585$12,052$139,637

Board Members and Trustees

NameTitle
Linda NeelChairwoman,
James Early EdwardsVice Chairma
Chris FranklinBoard Member
Jeff FowlerSecretary
Ruth BakerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,450,856
Investment Income
$421,427
Other Revenue
$176,526
Change in Net Assets
$168,261
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,153,577
Salaries, Compensation, and Employee Benefits$726,971
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$443,698-$443,698
Interest-$157,492-$157,492
Pension Plan Contributions-$146,664-$146,664
Occupancy-$134,657-$134,657
Office Expenses-$124,371-$124,371
Other Employee Benefits-$98,380-$98,380
Conferences and Meetings-$44,042-$44,042
Payroll Taxes-$38,229-$38,229
All Other Expenses-$34,924-$34,924
Other Expenses-$32,882-$32,882
Total Functional Expenses$0$1,880,548$0$1,880,548
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$17,701,545
All Other Shares$5,874,366
Share Drafts$4,243,194
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
No
Business relationship with 35% controlled entity
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilties are controlled by the board of directors. The members elect the board of direcors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The form 990 is reviewed by the manager. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors does not have an official compensation process for top management official.”

Form 990, Page 6, Part VI, Line 15B

“The board of directors does not have an official compensation process for officers or key employees.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in hte credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Jackson County Teachers
EIN
59-0994379
Phone
8505264470
Address
4466 CLINTON STREET, MARIANNA, FL 32446

Signing Officer

Name
Valena Alexander
Title
CEO
Phone
8505264470
Signed
2020-06-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Valena Alexander
Formed
1991
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
5
Employees
13
Volunteers
8

Preparer

Firm
Cu Audit & Compliance Group
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Hiram H Hollifield
Phone
2054372176
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors and supervisory committee without compendation.”

Form 990, Page 5, Part V, Line 3B

“The credit union does not have any unrelated business income.”

Form 990, Part XI, Line 9

“Equity acquired in merger 151,480”

Raw XML Appendix363 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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IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt079730
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt013869000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1219164
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0ALL OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1PERPETUAL CONTRIBUTED CAPITAL
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IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0138193
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt017701545
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt15874366
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt24243194
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
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IRS990ScheduleD/TotalBookValueProgramRltdAmt014088164
IRS990ScheduleD/TotalLiabilityAmt027819105
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS AND SUPERVISORY COMMITTEE WITHOUT COMPENDATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION DOES NOT HAVE ANY UNRELATED BUSINESS INCOME.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILTIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE FORM 990 IS REVIEWED BY THE MANAGER. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS DOES NOT HAVE AN OFFICIAL COMPENSATION PROCESS FOR TOP MANAGEMENT OFFICIAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD OF DIRECTORS DOES NOT HAVE AN OFFICIAL COMPENSATION PROCESS FOR OFFICERS OR KEY EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8FINANCIAL DOCUMENTS ARE POSTED IN HTE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9EQUITY ACQUIRED IN MERGER 151,480
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XI, LINE 9
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/BOYAmt035452606
IRS990/TotalAssetsGrp/EOYAmt034572256
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IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt01880548
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01880548
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt029201234
IRS990/TotalLiabilitiesEOYAmt028001983
IRS990/TotalLiabilitiesGrp/BOYAmt029201234
IRS990/TotalLiabilitiesGrp/EOYAmt028001983
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06570273
IRS990/TotalOtherCompensationAmt012052
IRS990/TotalProgramServiceExpensesAmt0470548
IRS990/TotalProgramServiceRevenueAmt01450856
IRS990/TotalReportableCompFromOrgAmt0127585
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02048809
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02048809
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt035452606
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt034572256
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IRS990/UponRequestInd0X
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IRS990/USAddress/ZIPCd032446
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ReturnHeader/BusinessOfficerGrp/PersonNm0VALENA ALEXANDER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08505264470
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-06-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0JACKSON COUNTY TEACHERS
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0JACK
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ReturnHeader/Filer/PhoneNum08505264470
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ReturnHeader/FilingSecurityInformation/IPDt02020-06-22
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ReturnHeader/FilingSecurityInformation/IPTm011:57:01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202711127
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CU AUDIT & COMPLIANCE GROUP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03692 COOLIDGE CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0TALLAHASSEE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0323117890
ReturnHeader/PreparerPersonGrp/PhoneNum02054372176
ReturnHeader/PreparerPersonGrp/PreparationDt02020-06-22
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0HIRAM H HOLLIFIELD
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-06-22T11:57:01-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$34,572,256
Liabilities
$28,001,983
Net assets
$6,570,273
Revenue
$2,048,809
Expenses
$1,880,548
Net income
$168,261
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