Civic Intelligence

State Chartered Credit Unions in Florida

EIN 59-1227031 • 501(c)14 • Monticello, FL

View Organization Page

Profile

Programs of credit unions which offer a wide variety of personal financial services exclusively to their members featuring competitive rates and investments and other products and services.

1500 W Washington StMonticello, FL 32344-1134

www.jctcuonline.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

50th percentile

0.85x

Higher debt load relative to assets than 50% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

38th percentile

13.85x

Higher debt load relative to revenue than 38% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Net Margin

68th percentile

14%

Higher net margin than 68% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

69th percentile

$97,407

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 10.3% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2025

Asset Growth

56th percentile

0.8%

Faster asset growth than 56% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

46th percentile

5.4%

Faster revenue growth than 46% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$15,163,769

Up $1,558,201 (+11%) from 2023

Liabilities

Up

$13,060,476

Up $1,415,857 (+12%) from 2023

Net Assets

Up

$2,103,293

Up $142,344 (+7.3%) from 2023

Operations
Liabilities / Revenue38th percentileNet Margin68th percentile

Revenue

Up

$894,771

Up $152,736 (+21%) from 2023

Expenses

Up

$752,427

Up $168,942 (+29%) from 2023

Net Income

Down

$142,344

Down $16,206 (-10%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth56th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2010: $6,635,092Liabilities 2010: $5,622,019Net Assets 2010: $1,013,0732010Assets 2011: $6,848,999Liabilities 2011: $5,775,684Net Assets 2011: $1,073,3152011Assets 2012: $7,479,937Liabilities 2012: $6,344,617Net Assets 2012: $1,135,3202012Assets 2013: $7,700,298Liabilities 2013: $6,535,527Net Assets 2013: $1,164,7712013Assets 2014: $8,320,643Liabilities 2014: $7,130,012Net Assets 2014: $1,190,6312014Assets 2015: $9,187,058Liabilities 2015: $7,944,457Net Assets 2015: $1,242,6012015Assets 2016: $9,618,851Liabilities 2016: $8,321,154Net Assets 2016: $1,297,6972016Assets 2017: $10,006,418Liabilities 2017: $8,674,856Net Assets 2017: $1,331,5622017Assets 2018: $10,351,390Liabilities 2018: $8,951,365Net Assets 2018: $1,400,0252018Assets 2019: $11,288,211Liabilities 2019: $9,807,678Net Assets 2019: $1,480,5332019Assets 2020: $11,756,425Liabilities 2020: $10,137,210Net Assets 2020: $1,619,2152020Assets 2021: $12,966,817Liabilities 2021: $11,223,972Net Assets 2021: $1,742,8452021Assets 2022: $13,608,713Liabilities 2022: $11,707,923Net Assets 2022: $1,900,7902022Assets 2023: $13,605,568Liabilities 2023: $11,644,619Net Assets 2023: $1,960,9492023Assets 2024: $15,163,769Liabilities 2024: $13,060,476Net Assets 2024: $2,103,2932024

Highlighted filing

2024

Assets$15,163,769
Liabilities$13,060,476
Net Assets$2,103,293
Open 2024 Filing

Operations Trend

Revenue Growth46th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0Expenses 2010: $342,2192010Expenses 2011: $326,5452011Expenses 2012: $323,1672012Revenue 2013: $366,305Expenses 2013: $336,854Net Income 2013: $29,4512013Revenue 2014: $353,820Expenses 2014: $327,960Net Income 2014: $25,8602014Revenue 2015: $372,825Expenses 2015: $320,855Net Income 2015: $51,9702015Revenue 2016: $410,854Expenses 2016: $355,758Net Income 2016: $55,0962016Revenue 2017: $409,638Expenses 2017: $375,773Net Income 2017: $33,8652017Revenue 2018: $473,110Expenses 2018: $404,647Net Income 2018: $68,4632018Revenue 2019: $555,886Expenses 2019: $475,378Net Income 2019: $80,5082019Revenue 2020: $567,382Expenses 2020: $428,700Net Income 2020: $138,6822020Revenue 2021: $579,615Expenses 2021: $455,985Net Income 2021: $123,6302021Revenue 2022: $632,508Expenses 2022: $474,563Net Income 2022: $157,9452022Revenue 2023: $742,035Expenses 2023: $583,485Net Income 2023: $158,5502023Revenue 2024: $894,771Expenses 2024: $752,427Net Income 2024: $142,3442024

Highlighted filing

2024

Revenue$894,771
Expenses$752,427
Net Income$142,344
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,163,769
Liabilities
$13,060,476
Net assets
$2,103,293
Revenue
$894,771
Expenses
$752,427
Net income
$142,344
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$15.2$13.1$2.10$0.89$0.75$0.14
2023Detailed filing. Detailed filing data is available for this year.$13.6$11.6$1.96$0.74$0.58$0.16
2022Detailed filing. Detailed filing data is available for this year.$13.6$11.7$1.90$0.63$0.47$0.16
2021Detailed filing. Detailed filing data is available for this year.$13.0$11.2$1.74$0.58$0.46$0.12
2020Detailed filing. Detailed filing data is available for this year.$11.8$10.1$1.62$0.57$0.43$0.14
2019Detailed filing. Detailed filing data is available for this year.$11.3$9.81$1.48$0.56$0.48$0.08
2018Detailed filing. Detailed filing data is available for this year.$10.4$8.95$1.40$0.47$0.40$0.07
2017Detailed filing. Detailed filing data is available for this year.$10.0$8.67$1.33$0.41$0.38$0.03
2016Detailed filing. Detailed filing data is available for this year.$9.62$8.32$1.30$0.41$0.36$0.06
2015Detailed filing. Detailed filing data is available for this year.$9.19$7.94$1.24$0.37$0.32$0.05
2014Detailed filing. Detailed filing data is available for this year.$8.32$7.13$1.19$0.35$0.33$0.03
2013Detailed filing. Detailed filing data is available for this year.$7.70$6.54$1.16$0.37$0.34$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.48$6.34$1.14$0.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.85$5.78$1.07$0.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.64$5.62$1.01$0.34
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 16, 2025
Return Version
2024v5.1
Gross Receipts
$894,771
Mission and Program Overview

Mission

Programs of credit unions which offer a wide variety of personal financial services exclusively to their members featuring competitive rates and investments and other products and services.

Providing a variety of financial services exclusively to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$9,964,397$10,568,217▲ $603,820
Savings and Temporary Cash Investments$3,263,408$4,309,944▲ $1,046,536
Rtn Earn Endowment Incm Other Fnds$1,960,949$2,103,293▲ $142,344
Investments Program Related$177,511$176,793▼ $718
Accounts Receivable$59,428$56,241▼ $3,187
Land, Buildings, and Equipment, Net$35,063$28,037▼ $7,026
Prepaid Expenses and Deferred Charges$13,957$23,557▲ $9,600
Cash and Non-Interest-Bearing Accounts$91,804$980▼ $90,824
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$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$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$13,605,568$15,163,769▲ $1,558,201
Other Assets Total$0$0→ $0
Liabilities
Other Liabilities$11,589,836$13,001,739▲ $1,411,903
Accounts Payable and Accrued Expenses$54,783$58,737▲ $3,954
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$11,644,619$13,060,476▲ $1,415,857
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,960,949$2,103,293▲ $142,344
Total Liabilities and Net Assets / Fund Balance$13,605,568$15,163,769▲ $1,558,201

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$107,051$107,051
Equipment$6,644$98,826$105,470
Land$21,393-$21,393
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kayla McKownCEO Board TreasurerFT$80,325$80,325

Board Members and Trustees

NameTitle
Gladys RoannBoard Chairperson
Benjamin G BishopBoard Vice Chairperson
Judy AllenBoard Member
Gwendolyn L ReshardBoard Secretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$826,315
Investment Income
$68,456
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$142,344

Audited Revenue Reconciliation

Revenue per Audited Statements
$894,771
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$894,771
Total Revenue per Form 990
$894,771
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$489,933
Salaries, Compensation, and Employee Benefits$262,494
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$295,485$0$0$295,485
Other Salaries and Wages$119,387$0$0$119,387
Current Officers, Directors, Trustees, and Key Employees$80,325$0$0$80,325
Other Expenses$61,662$0$0$61,662
Other Employee Benefits$59,659$0$0$59,659
Office Expenses$37,195$0$0$37,195
Fees for Services Accounting$23,437$0$0$23,437
Fees for Services Other$16,594$0$0$16,594
Pension Plan Contributions$14,856$0$0$14,856
Insurance$11,003$0$0$11,003
Advertising$9,887$0$0$9,887
Depreciation Depletion$7,026$0$0$7,026
Occupancy$4,416$0$0$4,416
All Other Expenses$3,991$0$0$3,991
Conferences and Meetings$2,175$0$0$2,175
Information Technology$648$0$0$648
Fees for Services Legal$529$0$0$529
Travel$291$0$0$291
Payroll Taxes$-11,733$0$0$-11,733
Total Functional Expenses$752,427$0$0$752,427

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$752,427
Total Expenses per Audited Statements$752,427
Total Expenses per Form 990$752,427
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$13,001,739
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI, Section B, Line 1

“No differences”

Part VI, Line 6

“Credit union is comprised of members each of which is a shareholder.”

Part VI, Line 7A

“Each member gets one vote in election of board of directors”

Part VI, Line 11A

“Ceo reviews 990 & makes copies available to board”

Part VI, Line 11B

“Ceo reviews 990 & makes copies available to board”

Part VI, Line 12C

“Employees are restricted from processing transactions on their own behalf or for a family member. There are regular reviews of the activity in the accounts of volunteers and employees.”

Part VI, Line 15

“Credit union industry salary surveys are used as a guide by the board to set salaries.”

Part VI, Line 19

“Financial statements are posted in the lobby and other items that are required to be disclosed are available upon request”

Filing and Contact Details

Filer

Filer Name
State Chartered Credit Unions in Florida
EIN
59-1227031
In Care Of
% KAYLA MCKOWN
Phone
8503420250
Address
1500 W WASHINGTON ST, MONTICELLO, FL 32344-1134
Doing Business As
Jefferson County Teachers Credit Union

Signing Officer

Name
Kayla Mckown
Title
CEO
Signed
2025-04-16
Discuss with paid preparer
No

Organization Details

Principal Officer
Kayla Mckown
Formed
1964
Legal Domicile
Fl
Voting Board Members
5
Independent Board Members
4
Employees
4
Volunteers
7

Preparer

Firm
Ewart & Associates LLC
Address
5881 NW 151ST STREET SUITE 115, Miami Lakes, FL 33014
Preparer
Richard Ewart
Raw XML AppendixShowing 400 of 594 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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IRS990/Form990PartVIISectionAGrp/PersonNm1Judy Allen
IRS990/Form990PartVIISectionAGrp/PersonNm2Gwendolyn L Reshard
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