Civic Intelligence

Armstrong Federal Credit Union

EIN 64-0383810 • 501(c)14 • Jackson, MS

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Profile

To operate a state chartered credit union providing loans and savings accounts to members.

1085 Highway 80 WestJackson, MS 39204
Siviq Scores

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

Liabilities / Assets

48th percentile

0.81x

Higher debt load relative to assets than 48% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

47th percentile

11.46x

Higher debt load relative to revenue than 47% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

59th percentile

4.1%

Higher net margin than 59% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

83rd percentile

2.4%

Faster asset growth than 83% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

47th percentile

-0.3%

Faster revenue growth than 47% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets48th percentile

Assets

Up

$2,851,091

Up $67,769 (+2.4%) from 2015

Liabilities

Up

$2,303,876

Up $59,484 (+2.7%) from 2015

Net Assets

Up

$547,215

Up $8,285 (+1.5%) from 2015

Operations
Liabilities / Revenue47th percentileNet Margin59th percentile

Revenue

Down

$201,094

Down $539 (-0.3%) from 2015

Expenses

Up

$192,809

Up $7,994 (+4.3%) from 2015

Net Income

Down

$8,285

Down $8,533 (-51%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth83rd percentile

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

$3.0M$2.0M$1.0M$0Assets 2011: $2,781,643Liabilities 2011: $2,322,934Net Assets 2011: $458,7092011Assets 2012: $2,707,287Liabilities 2012: $2,235,915Net Assets 2012: $471,3722012Assets 2013: $2,690,731Liabilities 2013: $2,206,397Net Assets 2013: $484,3342013Assets 2014: $2,656,925Liabilities 2014: $2,143,175Net Assets 2014: $513,7502014Assets 2015: $2,783,322Liabilities 2015: $2,244,392Net Assets 2015: $538,9302015Assets 2016: $2,851,091Liabilities 2016: $2,303,876Net Assets 2016: $547,2152016

Highlighted filing

2016

Assets$2,851,091
Liabilities$2,303,876
Net Assets$547,215
Open 2016 Filing

Operations Trend

Revenue Growth47th percentile

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

$300K$200K$100K$0Revenue 2011: $175,169Expenses 2011: $174,291Net Income 2011: $8782011Expenses 2012: $197,4892012Revenue 2013: $201,553Expenses 2013: $188,591Net Income 2013: $12,9622013Revenue 2014: $200,772Expenses 2014: $171,356Net Income 2014: $29,4162014Revenue 2015: $201,633Expenses 2015: $184,815Net Income 2015: $16,8182015Revenue 2016: $201,094Expenses 2016: $192,809Net Income 2016: $8,2852016

Highlighted filing

2016

Revenue$201,094
Expenses$192,809
Net Income$8,285
Open 2016 Filing

Filings

Most recent year

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

Open filing
Assets
$2,851,091
Liabilities
$2,303,876
Net assets
$547,215
Revenue
$201,094
Expenses
$192,809
Net income
$8,285
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$2.85$2.30$0.55$0.20$0.19$0.01
2015Detailed filing. Detailed filing data is available for this year.$2.78$2.24$0.54$0.20$0.18$0.02
2014Detailed filing. Detailed filing data is available for this year.$2.66$2.14$0.51$0.20$0.17$0.03
2013Detailed filing. Detailed filing data is available for this year.$2.69$2.21$0.48$0.20$0.19$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.71$2.24$0.47$0.20
2011Summary only. Only limited summary data is available for this year.$2.78$2.32$0.46$0.18$0.17$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
May 10, 2017
Return Version
2016v3.0
Gross Receipts
$201,094
Mission and Program Overview

Mission

To operate a state chartered credit union providing loans and savings accounts to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,754,372$2,058,903▲ $304,531
Savings and Temporary Cash Investments$730,535$637,300▼ $93,235
Rtn Earn Endowment Incm Other Fnds$538,930$547,215▲ $8,285
Receivables From Officers Etc$184,094$90,859▼ $93,235
Cash and Non-Interest-Bearing Accounts$71,464$30,456▼ $41,008
Land, Buildings, and Equipment, Net$2,985$1,426▼ $1,559
Prepaid Expenses and Deferred Charges$375$375→ $0
Total Assets$2,783,322$2,851,091▲ $67,769
Other Assets Total$39,497$31,772▼ $7,725
Liabilities
Other Liabilities$2,229,235$2,291,208▲ $61,973
Accounts Payable and Accrued Expenses$15,157$12,668▼ $2,489
Total Liabilities$2,244,392$2,303,876▲ $59,484
Net Assets / Fund Balance
Total Net Assets Fund Balance$538,930$547,215▲ $8,285
Total Liabilities and Net Assets / Fund Balance$2,783,322$2,851,091▲ $67,769

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,426$14,409$15,835
Leasehold Improvements-$8,490$8,490
Other Assets Org$9,480--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Linda AlfordCEO ManagerFT$40,469$5,125$45,594
Betty Faye PittsComanagerFT$40,227$3,522$43,749

Board Members and Trustees

NameTitle
Michael StevensonChairman of the Board of Dire
Curtis SimpsonVice President Board Member
Ree BrownBoard of Directors
Nathan PonderSecretary Board Member
Christopher CrotwellTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$178,401
Investment Income
$3,709
Other Revenue
$18,984
Change in Net Assets
$8,285
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$110,997
Other Expenses$81,812
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$89,343--$89,343
All Other Expenses$19,770--$19,770
Pension Plan Contributions$14,648--$14,648
Interest$9,989--$9,989
Conferences and Meetings$9,740--$9,740
Insurance$7,539--$7,539
Payroll Taxes$7,006--$7,006
Office Expenses$6,302--$6,302
Fees for Services Accounting$4,739--$4,739
Fees for Services Legal$2,433--$2,433
Travel$1,590--$1,590
Depreciation Depletion$1,559--$1,559
Other Expenses$1,340--$1,340
Fees for Services Other$480--$480
Total Functional Expenses$192,809$0$0$192,809
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$184,094$90,859▼ $93,235
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares of Members$2,291,208
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The Credit Union treats the liabilities from member deposits as shares of members. The members do not have any interest other than the value of their account balance.”

Member election for additional members Part VI line 7A

“The members elect the board of directors.”

Form 990 governing body review Part VI line 11

“The manager and the board members are provided a copy of Form 990 for review before filing.”

CEO executive director top management comp Part VI line 15A

“The independent board members review and approve the compensation of the key employees.”

Governing documents etc available to public Part VI line 19

“The organization makes its governing documents and financial statements available to the public upon request. The information is also made available at the annual members meeting.”

Filing and Contact Details

Filer

Filer Name
Jackson ACCO Credit Union
EIN
64-0383810
Address
1085 Highway 80 West, Jackson, MS 39204

Signing Officer

Name
Linda Alford
Title
Manager
Phone
6019605240
Signed
2017-05-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Stevenson
Formed
1956
Legal Domicile
Ms
Voting Board Members
5
Independent Board Members
5
Employees
2

Preparer

Firm
Griffin & Company LLC
Address
P O Box 983, Mandeville, LA 70470
Preparer
Stephen M Griffin CPA
Phone
9857279924
Supplemental Narrative

Additional Explanations

List of other expenses Part IX line 24E

“Bank Service Charge 4,123Miscellaneous Operating Expenses 8,068Credit Reports 1,832Visa Credit Card Program Expense 2,186Provision for Loan Loss 1,567NCUSIF Stabilization Expense -900Examination Fee 627Website Design Maintenance 1,485Loan Servicing 3,026”

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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/BalanceDueAmt68435
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt77432
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt812450
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/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/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/LoanPurposeTxt0Used Auto 11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1Used Auto 56
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2Used Auto 5
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3Used Auto 6
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4Unsecured 15
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5Used Auto 12
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6Used Auto 15
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt7Unsecured 59
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt8Used Auto 60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt018908
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt17825
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt25730
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt324806
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt46500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt533075
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt610344
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt79670
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt814502
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Ree Brown
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1Curtis Simpson
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2Jacquelin Tapia
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3Christopher Crotwell
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4Linda Alford
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5Kevin Alford
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6Ree Brown
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm7Curtis Simpson
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm8Curtis Simpson
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1Vice President
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2Board Member Daughte
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3Board Family
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4Employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5Employee Spouse
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt7Director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt8Director
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/TotalBalanceDueAmt090859
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union treats the liabilities from member deposits as shares of members. The members do not have any interest other than the value of their account balance.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The members elect the board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The manager and the board members are provided a copy of Form 990 for review before filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The independent board members review and approve the compensation of the key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The organization makes its governing documents and financial statements available to the public upon request. The information is also made available at the annual members meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Bank Service Charge 4,123Miscellaneous Operating Expenses 8,068Credit Reports 1,832Visa Credit Card Program Expense 2,186Provision for Loan Loss 1,567NCUSIF Stabilization Expense -900Examination Fee 627Website Design Maintenance 1,485Loan Servicing 3,026
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5List of other expenses Part IX line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MS
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt02783322
IRS990/TotalAssetsEOYAmt02851091
IRS990/TotalAssetsGrp/BOYAmt02783322
IRS990/TotalAssetsGrp/EOYAmt02851091
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0192809
IRS990/TotalFunctionalExpensesGrp/TotalAmt0192809
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02244392
IRS990/TotalLiabilitiesEOYAmt02303876
IRS990/TotalLiabilitiesGrp/BOYAmt02244392
IRS990/TotalLiabilitiesGrp/EOYAmt02303876
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0538930
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0547215
IRS990/TotalOtherCompensationAmt08647
IRS990/TotalProgramServiceExpensesAmt0192809
IRS990/TotalProgramServiceRevenueAmt0178401
IRS990/TotalReportableCompFromOrgAmt080696
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0201094
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0201094
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt02783322
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt02851091
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/ProgramServicesAmt01590
IRS990/TravelGrp/TotalAmt01590
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05

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