{"success":true,"data":{"_id":621014489,"filings":[{"Organization":{"value":null,"Person":["Pam Case","Jessica Horton","Sunya Dangerfield","George Nolen","Larry Hatfield","Tommy Cauble","Anthony T McKenzie","Dale McGee","Scott Parks","James Ramsey","Camilla Shelton","Andrew Whitt","Lacey Ray","W Parks Norman","Josh Hornaday","Anita Camp"],"Title":["CEO","Compliance Offi","Operations","Chairman","Vice Chairman","Board Member","Board Member","Board Member","Board Member","Supervisory","Supervisory","Supervisory","Credit Com","Credit Com","Credit Com","Sec/Treasurer"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[101095,55113,50157,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[101095,55113,50157,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit intermediary and financial services for membership","year":2019,"name":"Jack Daniel Employees Credit Union","phone":9317593300,"website":"www.jdecu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2019-01-01T00:00:00","tax_period_end":"2019-12-31T00:00:00","address":"PO Box 199, Lynchburg, TN, 37352, USA","city":"Lynchburg","state":"TN","country":"USA","zip_code":37352},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":17430,"Net unrelated business taxable income":-517,"Number of employees":7,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1647527,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1350368,"Total revenue":{"value":1350368,"Fee Income":138366,"Loan Interest":1212002},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":109619,"Investment income total":109619,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":187540,"Other total":170110,"Royalties revenue":0,"Net rental income":17430,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1360626,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":448455,"Current officers":206365,"Disqualified persons":0,"Other salaries and wages":172341,"Pension plan contributions":0,"Other employee benefits":69749,"Payroll taxes":0},"Other expenses":{"value":912171,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":225666,"Information technology":0,"Royalties":0,"Occupancy":19776,"Travel":0,"Conferences and meetings":7285,"Interest":334836,"Payments to affiliates":0,"Depreciation and depletion":37516,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":260993,"Loan Servicing Expense":85248,"Professional Services":76186,"Provision for Loan Losses":62842,"Miscellaneous":36717},"All other expenses":26099},"Functional Expenses":{"value":null,"Program Service Expenses":1072796,"Management And General Expenses":81465,"Fundraising Expenses":0}},"Assets":{"value":32901051,"Non-interest bearing cash":2133899,"Savings and temp cash investments":3282870,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":24760818,"Inventories for sale or use":0,"Prepaid expenses deferred charges":332908,"Land, building, equipment":1290726,"Investments publicly traded":0,"Investments other":1049172,"Investments program related":0,"Intangible assets":2100,"Other assets":48558},"Liabilities":{"value":29129487,"Sum of Total Liabilities":0,"Accounts payable, accrued":288320,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":28841167},"Fund balance":{"value":3771564,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7884576658097082,"percentile":0.611298768256628},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.1741403934503046,"percentile":0.7284829515034507},"Liabilities to Assets Ratio":{"score":0.8853664583541724,"percentile":0.0670241940373595},"Operating Reserve Ratio":{"score":24.180818975971356,"percentile":0.9570756098255973},"Officer Compensation Ratio":{"score":0.1516691581669026,"percentile":0.40837011311584054},"Program Expense Growth":{"score":0.75,"percentile":0.9674884597356814},"Revenue Growth":{"score":0.08000927956453568,"percentile":0.7125593984743485},"Asset Growth":{"score":0.04628659362387036,"percentile":0.5123318288215268},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7029161854390504,"percentile":0.853590414974213}},"source_xml":"202021709349300817_public.xml"},{"Organization":{"value":null,"Person":["Pam Case","Jessica Horton","Sunya Dangerfield","George Nolen","Larry Hatfield","Tommy Cauble","Anthony T McKenzie","Dale McGee","Scott Parks","Dusty Hardin","Camilla Shelton","Andrew Whitt","Lacey Ray","W Parks Norman","Josh Hornaday","Anita Camp"],"Title":["CEO","Compliance Offi","Operations","Chairman","Vice Chairman","Board Member","Board Member","Board Member","Board Member","Supervisory","Supervisory","Supervisory","Credit Com","Credit Com","Credit Com","Sec/Treasurer"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[105170,57335,52179,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[105170,57335,52179,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit intermediary and financial services for membership","year":2021,"name":"Jack Daniel Employees Credit Union","phone":9317593300,"website":"www.jdecu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2021-01-01T00:00:00","tax_period_end":"2021-12-31T00:00:00","address":"PO Box 199, Lynchburg, TN, 37352, USA","city":"Lynchburg","state":"TN","country":"USA","zip_code":37352},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":8,"Total Gross UBI":16544,"Net unrelated business taxable income":null,"Number of employees":8,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1761481,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1444027,"Total revenue":{"value":1444027,"Fee Income":121738,"Loan Interest":1322289},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":46733,"Investment income total":46733,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":270721,"Other total":254177,"Royalties revenue":0,"Net rental income":16544,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1318861,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":508036,"Current officers":214684,"Disqualified persons":0,"Other salaries and wages":217603,"Pension plan contributions":0,"Other employee benefits":75749,"Payroll taxes":0},"Other expenses":{"value":810825,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":244387,"Information technology":0,"Royalties":0,"Occupancy":21459,"Travel":0,"Conferences and meetings":7213,"Interest":255143,"Payments to affiliates":0,"Depreciation and depletion":34921,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":222301,"Professional Services":85992,"Loan Servicing Expense":79873,"Miscellaneous":40968,"Educational & Promotional":15468},"All other expenses":25401},"Functional Expenses":{"value":null,"Program Service Expenses":1011319,"Management And General Expenses":307542,"Fundraising Expenses":0}},"Assets":{"value":44449913,"Non-interest bearing cash":3606534,"Savings and temp cash investments":6061160,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":29209569,"Inventories for sale or use":0,"Prepaid expenses deferred charges":384444,"Land, building, equipment":1239317,"Investments publicly traded":0,"Investments other":3901963,"Investments program related":0,"Intangible assets":0,"Other assets":46926},"Liabilities":{"value":40022888,"Sum of Total Liabilities":0,"Accounts payable, accrued":205488,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":39817400},"Fund balance":{"value":4427025,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7668124237504937,"percentile":0.5889028300290817},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2512771923171468,"percentile":0.8018015851454722},"Liabilities to Assets Ratio":{"score":0.9004041920172037,"percentile":0.06459458927983246},"Operating Reserve Ratio":{"score":33.7032583418571,"percentile":0.9713343622474087},"Officer Compensation Ratio":{"score":0.16277985322183308,"percentile":0.3839648125293339},"Program Expense Growth":{"score":0.4470329575925822,"percentile":0.9170210651061995},"Revenue Growth":{"score":0.06913076977266096,"percentile":0.6785803775129478},"Asset Growth":{"score":0.065301359123877,"percentile":0.5821720537609477},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7034683553839574,"percentile":0.8544831465909711}},"source_xml":"202241739349300014_public.xml"},{"Organization":{"value":null,"Person":["ANITA CAMP","TOMMY CAUBLE","LARRY HATFIELD","ANTHONY T MCKENZIE","GEORGE 'CHIP' NOLEN","REBECCA WEATHERSPOON","WILLIAM P WHITAKER","PAM CASE","SUNYA DANGERFIELD","JESSICA WILLIAMSON","JAMES RAMSEY","CAMILLA SHELTON","WILLIAM M TIPPS","ROBERT HOBBS","W PARKS NORMAN","DONNA TUCKER"],"Title":["BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD CHAIRM","BOARD VICE-C","SECRETARY/TR","CEO","OPERATIONS O","LOAN/COMPLIA","SUPERVISORY","SUPERVISORY","SUPERVISORY","CREDIT COM M","CREDIT COM M","CREDIT COM M"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,0,0,92243,45731,45123,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,92243,45731,45123,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide services for approximately 1,961 members in the form of loans, savings, and other financial services.","year":2014,"name":"JACK DANIEL EMPLOYEES CREDIT UNION","phone":9317595513,"website":"WWW.JDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PAM CASE","year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2014-01-01T00:00:00","tax_period_end":"2014-12-31T00:00:00","address":"P O BOX 199, LYNCHBURG, TN, 373520199, USA","city":"LYNCHBURG","state":"TN","country":"USA","zip_code":373520199},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1090596,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":923307,"Total revenue":{"value":923307,"INTEREST ON LOANS":809810,"FEE INCOME":113497},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":77177,"Investment income total":77177,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":90112,"Other total":90112,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":806375,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":311437,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":311437,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":494938,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":157416,"Information technology":0,"Royalties":0,"Occupancy":30912,"Travel":0,"Conferences and meetings":5467,"Interest":141956,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":143787,"PROF & OUTSIDE SERVICES":57134,"LOAN SERVICING EXP":54552,"MISC OPERATING EXP":23062,"EXAMINATION FEES":9039},"All other expenses":15400},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":806375,"Fundraising Expenses":0}},"Assets":{"value":26528962,"Non-interest bearing cash":1859116,"Savings and temp cash investments":2549063,"Pledges and grants receivable":0,"Accounts receivable":15989214,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":98057,"Land, building, equipment":1054211,"Investments publicly traded":0,"Investments other":4729790,"Investments program related":0,"Intangible assets":0,"Other assets":249511},"Liabilities":{"value":24218995,"Sum of Total Liabilities":0,"Accounts payable, accrued":-265270,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":24484265},"Fund balance":{"value":2309967,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2606107119409937,"percentile":0.8088256843376141},"Liabilities to Assets Ratio":{"score":0.912926596977296,"percentile":0.06251321216650034},"Operating Reserve Ratio":{"score":32.89903828863742,"percentile":0.9705326661357055},"Officer Compensation Ratio":{"score":0.2270618508758332,"percentile":0.2717520037391083},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6218340882513768,"percentile":0.6678192450458295}},"source_xml":"201540989349300224_public.xml"},{"Organization":{"value":null,"Person":["PAM CASE","SUNYA DANGERFIELD","JESSICA WILLIAMSON","GEORGE 'CHIP' NOLEN","LARRY HATFIELD","ANITA CAMP","TOMMY CAUBLE","ANTHONY T MCKENZIE","DALE MCGEE","SCOTT PARKS","JAMES RAMSEY","CAMILLA SHELTON","ANDREW WHITT","ROBERT HOBBS","W PARKS NORMAN","REBECCA TUCK"],"Title":["CEO","OPERATIONS O","LOAN/COMPLIA","CHAIRMAN","VICE-CHAIRMA","SECRETARY/TR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SUPERVISORY","SUPERVISORY","SUPERVISORY","CREDIT COM M","CREDIT COM M","CREDIT COM M"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[97959,49106,53957,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[97959,49106,53957,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2017,"name":"JACK DANIEL EMPLOYEES CREDIT UNION","phone":9317595513,"website":"WWW.JDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PAM CASE","year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2017-01-01T00:00:00","tax_period_end":"2017-12-31T00:00:00","address":"P O BOX 199, LYNCHBURG, TN, 373520199, USA","city":"LYNCHBURG","state":"TN","country":"USA","zip_code":373520199},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":7,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1342315,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1076393,"Total revenue":{"value":1076393,"INTEREST ON LOANS":953886,"FEE INCOME":122507},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":109252,"Investment income total":109252,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":156670,"Other total":156670,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1059817,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":400452,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":342636,"Pension plan contributions":0,"Other employee benefits":57816,"Payroll taxes":0},"Other expenses":{"value":659365,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":198819,"Information technology":0,"Royalties":0,"Occupancy":38024,"Travel":0,"Conferences and meetings":9868,"Interest":186796,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":207668,"LOAN SERVICING EXP":77775,"PROF & OUTSIDE SERVICES":77741,"MISC OPERATING EXP":38154,"EDUCATIONAL & PROMO EXP":13998},"All other expenses":18190},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":1059817,"Fundraising Expenses":0}},"Assets":{"value":30491503,"Non-interest bearing cash":1854521,"Savings and temp cash investments":4003870,"Pledges and grants receivable":0,"Accounts receivable":20121845,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":172795,"Land, building, equipment":1370746,"Investments publicly traded":0,"Investments other":2657048,"Investments program related":0,"Intangible assets":0,"Other assets":310678},"Liabilities":{"value":27349850,"Sum of Total Liabilities":0,"Accounts payable, accrued":118756,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":27231094},"Fund balance":{"value":3141653,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21045581700271546,"percentile":0.7665614563332959},"Liabilities to Assets Ratio":{"score":0.8969662794254517,"percentile":0.0651708036110797},"Operating Reserve Ratio":{"score":28.770535856662047,"percentile":0.9654165232660619},"Officer Compensation Ratio":{"score":0.18967614220190845,"percentile":0.3317940931270442},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06675098625679714,"percentile":0.6704112237604536},"Asset Growth":{"score":0.05766981502251454,"percentile":0.5554354051934675},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.618216312483035,"percentile":0.6577654151691981}},"source_xml":"201821319349302222_public.xml"},{"Organization":{"value":null,"Person":["Pam Case","Sunya Dangerfield","Jessica Horton","Dale Stone","Josh Hornaday","Tommy Cauble","John Taylor","Paul Fletcher","Scott Parks","Dusty Hardin","Camilla Shelton","Andrew Whitt","Lacey Ray","W Parks Norman","Norma Milligan","Anita Camp"],"Title":["CEO","Operations","Compliance Offi","Board Member","Vice Chairman","Board Member","Board Member","Board Member","Chairman","Supervisory","Supervisory","Supervisory","Credit Com","Credit Com","Credit Com","Sec/Treasurer"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[116237,68100,68100,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[116237,68100,68100,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit intermediary and financial services for membership","year":2024,"name":"Jack Daniel Employees Credit Union","phone":9317593300,"website":"www.jdecu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO Box 199, Lynchburg, TN, 37352, USA","city":"Lynchburg","state":"TN","country":"USA","zip_code":37352},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":9,"Total Gross UBI":42802,"Net unrelated business taxable income":18974,"Number of employees":9,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3011759,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2152760,"Total revenue":{"value":2152760,"Fee Income":145396,"Loan Interest":2007364},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":505355,"Investment income total":505355,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":353644,"Other total":310842,"Royalties revenue":0,"Net rental income":42802,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2364537,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":664092,"Current officers":313949,"Disqualified persons":0,"Other salaries and wages":254300,"Pension plan contributions":0,"Other employee benefits":95843,"Payroll taxes":0},"Other expenses":{"value":1700445,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":74725,"Information technology":0,"Royalties":0,"Occupancy":23216,"Travel":0,"Conferences and meetings":11031,"Interest":996044,"Payments to affiliates":0,"Depreciation and depletion":46683,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":436309,"Debit Card Processing Expense":189231,"Loan Servicing Expense":124010,"Professional Services":85836,"Operations- Other":37232},"All other expenses":112437},"Functional Expenses":{"value":null,"Program Service Expenses":1891525,"Management And General Expenses":473012,"Fundraising Expenses":0}},"Assets":{"value":51342510,"Non-interest bearing cash":2652863,"Savings and temp cash investments":6726746,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":36572783,"Inventories for sale or use":0,"Prepaid expenses deferred charges":574664,"Land, building, equipment":1174394,"Investments publicly traded":0,"Investments other":3529203,"Investments program related":0,"Intangible assets":0,"Other assets":111857},"Liabilities":{"value":45688717,"Sum of Total Liabilities":0,"Accounts payable, accrued":406163,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":45282554},"Fund balance":{"value":5653793,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7999557630098408,"percentile":0.6247049535578775},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2148983368191147,"percentile":0.7707516631921509},"Liabilities to Assets Ratio":{"score":0.8898808609084363,"percentile":0.06630745960969008},"Operating Reserve Ratio":{"score":21.713557453319613,"percentile":0.9510163069475547},"Officer Compensation Ratio":{"score":0.10675958972094748,"percentile":0.5301196993280252},"Program Expense Growth":{"score":0.286030946866846,"percentile":0.8585523919859538},"Revenue Growth":{"score":0.09176711714890903,"percentile":0.7443832343510409},"Asset Growth":{"score":0.06960411895253514,"percentile":0.5964505707734072},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7154703717909368,"percentile":0.8730619234566632}},"source_xml":"202532479349300028_public.xml"},{"Organization":{"value":null,"Person":["Pam Case","Jessica Horton","Sunya Dangerfield","George Nolen","Larry Hatfield","Tommy Cauble","Anthony T McKenzie","Paul Fletcher","Scott Parks","Dusty Hardin","Camilla Shelton","Andrew Whitt","Lacey Ray","W Parks Norman","Josh Hornaday","Anita Camp"],"Title":["CEO","Compliance Offi","Operations","Chairman","Vice Chairman","Board Member","Board Member","Board Member","Board Member","Supervisory","Supervisory","Supervisory","Credit Com","Credit Com","Credit Com","Sec/Treasurer"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[110008,59973,54580,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[110008,59973,54580,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit intermediary and financial services for membership","year":2022,"name":"Jack Daniel Employees Credit Union","phone":9317593300,"website":"www.jdecu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2022-01-01T00:00:00","tax_period_end":"2022-12-31T00:00:00","address":"PO Box 199, Lynchburg, TN, 37352, USA","city":"Lynchburg","state":"TN","country":"USA","zip_code":37352},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":8,"Total Gross UBI":20211,"Net unrelated business taxable income":null,"Number of employees":8,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1923888,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1501509,"Total revenue":{"value":1501509,"Fee Income":129015,"Loan Interest":1372494},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":115217,"Investment income total":115217,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":307162,"Other total":286951,"Royalties revenue":0,"Net rental income":20211,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1571133,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":560916,"Current officers":224561,"Disqualified persons":0,"Other salaries and wages":264821,"Pension plan contributions":0,"Other employee benefits":71534,"Payroll taxes":0},"Other expenses":{"value":1010217,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":252424,"Information technology":0,"Royalties":0,"Occupancy":19290,"Travel":0,"Conferences and meetings":6001,"Interest":237965,"Payments to affiliates":0,"Depreciation and depletion":43462,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":404024,"Provision for Loan Losses":181051,"Professional Services":90769,"Loan Servicing Expense":90659,"Miscellaneous":41545},"All other expenses":47051},"Functional Expenses":{"value":null,"Program Service Expenses":1258971,"Management And General Expenses":312162,"Fundraising Expenses":0}},"Assets":{"value":45817005,"Non-interest bearing cash":1967900,"Savings and temp cash investments":5601656,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":31799389,"Inventories for sale or use":0,"Prepaid expenses deferred charges":445953,"Land, building, equipment":1224743,"Investments publicly traded":0,"Investments other":4725435,"Investments program related":0,"Intangible assets":0,"Other assets":51929},"Liabilities":{"value":41362045,"Sum of Total Liabilities":0,"Accounts payable, accrued":232426,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":41129619},"Fund balance":{"value":4454960,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8013140835308022,"percentile":0.627182135290374},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.18335526808213368,"percentile":0.7388683873552764},"Liabilities to Assets Ratio":{"score":0.9027662327557203,"percentile":0.06421686470577632},"Operating Reserve Ratio":{"score":29.161760971222677,"percentile":0.965984399765655},"Officer Compensation Ratio":{"score":0.14292933825462262,"percentile":0.42893081330977995},"Program Expense Growth":{"score":0.3712134309769051,"percentile":0.8925870671918876},"Revenue Growth":{"score":0.0690484447709297,"percentile":0.6782886520182393},"Asset Growth":{"score":0.06866685235603381,"percentile":0.5933497755848546},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7036727004875275,"percentile":0.8548147211923567}},"source_xml":"202301509349300035_public.xml"},{"Organization":{"value":null,"Person":["PAM CASE","SUNYA DANGERFIELD","JESSICA WILLIAMSON","GEORGE 'CHIP' NOLEN","REBECCA WEATHERSPOON","WILLIAM P WHITAKER","ANITA CAMP","TOMMY CAUBLE","LARRY HATFIELD","ANTHONY T MCKENZIE","JAMES RAMSEY","CAMILLA SHELTON","WILLIAM M TIPPS","ROBERT HOBBS","W PARKS NORMAN","DONNA TUCKER"],"Title":["CEO","OPERATIONS O","LOAN/COMPLIA","CHAIRMAN","VICE-CHAIR","SECRETARY/TR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SUPERVISORY","SUPERVISORY","SUPERVISORY","CREDIT COM M","CREDIT COM M","CREDIT COM M"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[93407,46375,45807,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[93407,46375,45807,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2015,"name":"JACK DANIEL EMPLOYEES CREDIT UNION","phone":9317595513,"website":"WWW.JDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PAM CASE","year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2015-01-01T00:00:00","tax_period_end":"2015-12-31T00:00:00","address":"P O BOX 199, LYNCHBURG, TN, 373520199, USA","city":"LYNCHBURG","state":"TN","country":"USA","zip_code":373520199},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":7,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1160494,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":983362,"Total revenue":{"value":983362,"INTEREST ON LOANS":858891,"FEE INCOME":124471},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":83546,"Investment income total":83546,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":93586,"Other total":93586,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":839503,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":315883,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":289564,"Pension plan contributions":0,"Other employee benefits":26319,"Payroll taxes":0},"Other expenses":{"value":523620,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":155964,"Information technology":0,"Royalties":0,"Occupancy":32688,"Travel":0,"Conferences and meetings":5043,"Interest":142551,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":169605,"LOAN SERVICING EXP":66512,"PROF & OUTSIDE SERVICES":59000,"MISC OPERATING EXP":33795,"EDUCATIONAL & PROMO EXP":10298},"All other expenses":17769},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":839503,"Fundraising Expenses":0}},"Assets":{"value":27942110,"Non-interest bearing cash":2723286,"Savings and temp cash investments":2867451,"Pledges and grants receivable":0,"Accounts receivable":17557982,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":107755,"Land, building, equipment":1048965,"Investments publicly traded":0,"Investments other":3366132,"Investments program related":0,"Intangible assets":0,"Other assets":270539},"Liabilities":{"value":25307359,"Sum of Total Liabilities":0,"Accounts payable, accrued":88851,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":25218508},"Fund balance":{"value":2634751,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.27659858646404034,"percentile":0.8201775579776056},"Liabilities to Assets Ratio":{"score":0.9057067988065325,"percentile":0.0637207427326939},"Operating Reserve Ratio":{"score":33.28410976494426,"percentile":0.9709283608638917},"Officer Compensation Ratio":{"score":0.22107008551488203,"percentile":0.28054496429141795},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.0590343775790953,"percentile":0.6424464514337244},"Asset Growth":{"score":0.06929832673671227,"percentile":0.5954550080505727},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6250248699799777,"percentile":0.6765967726872122}},"source_xml":"201611179349301051_public.xml"},{"Organization":{"value":null,"Person":["Pam Case","Jessica Horton","Sunya Dangerfield","Dale Stone","Josh Hornaday","Tommy Cauble","Anthony T McKenzie","Paul Fletcher","Scott Parks","Dusty Hardin","Camilla Shelton","Andrew Whitt","Lacey Ray","W Parks Norman","Norma Milligan","Anita Camp"],"Title":["CEO","Compliance Offi","Operations","Board Member","Vice Chairman","Board Member","Board Member","Board Member","Chairman","Supervisory","Supervisory","Supervisory","Credit Com","Credit Com","Credit Com","Sec/Treasurer"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[111756,61499,56709,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[111756,61499,56709,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit intermediary and financial services for membership","year":2023,"name":"Jack Daniel Employees Credit Union","phone":9317593300,"website":"www.jdecu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2023-01-01T00:00:00","tax_period_end":"2023-12-31T00:00:00","address":"PO Box 199, Lynchburg, TN, 37352, USA","city":"Lynchburg","state":"TN","country":"USA","zip_code":37352},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":8,"Total Gross UBI":16344,"Net unrelated business taxable income":null,"Number of employees":8,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":2521389,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1803725,"Total revenue":{"value":1803725,"Fee Income":150188,"Loan Interest":1653537},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":411128,"Investment income total":411128,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":306536,"Other total":290192,"Royalties revenue":0,"Net rental income":16344,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2132038,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":589628,"Current officers":229964,"Disqualified persons":0,"Other salaries and wages":296054,"Pension plan contributions":0,"Other employee benefits":63610,"Payroll taxes":0},"Other expenses":{"value":1542410,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":59719,"Information technology":0,"Royalties":0,"Occupancy":34365,"Travel":0,"Conferences and meetings":11016,"Interest":860892,"Payments to affiliates":0,"Depreciation and depletion":38292,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":416231,"Debit Card Processing Expense":175849,"Loan Servicing Expense":100307,"Professional Services":80651,"Provision for Loan Losses":59424},"All other expenses":121895},"Functional Expenses":{"value":null,"Program Service Expenses":1760923,"Management And General Expenses":371115,"Fundraising Expenses":0}},"Assets":{"value":48681681,"Non-interest bearing cash":2410640,"Savings and temp cash investments":6187435,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":33805868,"Inventories for sale or use":0,"Prepaid expenses deferred charges":533389,"Land, building, equipment":1196045,"Investments publicly traded":0,"Investments other":4484279,"Investments program related":0,"Intangible assets":0,"Other assets":64025},"Liabilities":{"value":43737824,"Sum of Total Liabilities":0,"Accounts payable, accrued":345829,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":43391995},"Fund balance":{"value":4943857,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.8259341531436118,"percentile":0.6590268099538399},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.15441925065906134,"percentile":0.7043275095028634},"Liabilities to Assets Ratio":{"score":0.8984452282985051,"percentile":0.06491926034809654},"Operating Reserve Ratio":{"score":22.833402125102836,"percentile":0.9539298569456449},"Officer Compensation Ratio":{"score":0.10786111692193104,"percentile":0.5265510388772516},"Program Expense Growth":{"score":0.32629529129775214,"percentile":0.8762760271842098},"Revenue Growth":{"score":0.0806707599931508,"percentile":0.7144626133620915},"Asset Growth":{"score":0.06984662996946346,"percentile":0.5972484788300638},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7131740215725213,"percentile":0.8696029884110877}},"source_xml":"202423199349303207_public.xml"},{"Organization":{"value":null,"Person":["Pam Case","Jessica Horton","Sunya Dangerfield","George Nolen","Larry Hatfield","Tommy Cauble","Anthony T McKenzie","Dale McGee","Scott Parks","Camilla Shelton","Andrew Whitt","Lacey Ray","W Parks Norman","Josh Hornaday","Anita Camp"],"Title":["CEO","Compliance Offi","Operations","Chairman","Vice Chairman","Board Member","Board Member","Board Member","Board Member","Supervisory","Supervisory","Credit Com","Credit Com","Credit Com","Sec/Treasurer"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[101095,55665,50659,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[101095,55665,50659,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit intermediary and financial services for membership","year":2020,"name":"Jack Daniel Employees Credit Union","phone":9317593300,"website":"www.jdecu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2020-01-01T00:00:00","tax_period_end":"2020-12-31T00:00:00","address":"PO Box 199, Lynchburg, TN, 37352, USA","city":"Lynchburg","state":"TN","country":"USA","zip_code":37352},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":8,"Total Gross UBI":15385,"Net unrelated business taxable income":-2562,"Number of employees":8,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1610478,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1321518,"Total revenue":{"value":1321518,"Fee Income":111584,"Loan Interest":1209934},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":80561,"Investment income total":80561,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":208399,"Other total":193014,"Royalties revenue":0,"Net rental income":15385,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1350119,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":462285,"Current officers":207419,"Disqualified persons":0,"Other salaries and wages":201950,"Pension plan contributions":0,"Other employee benefits":52916,"Payroll taxes":0},"Other expenses":{"value":887834,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":231836,"Information technology":0,"Royalties":0,"Occupancy":20901,"Travel":0,"Conferences and meetings":2889,"Interest":392475,"Payments to affiliates":0,"Depreciation and depletion":28736,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":200213,"Professional Services":80214,"Loan Servicing Expense":75826,"Miscellaneous":30629,"Educational & Promotional":13544},"All other expenses":10784},"Functional Expenses":{"value":null,"Program Service Expenses":1023879,"Management And General Expenses":118821,"Fundraising Expenses":0}},"Assets":{"value":37474839,"Non-interest bearing cash":3149442,"Savings and temp cash investments":4654949,"Pledges and grants receivable":0,"Accounts receivable":7890,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":27010023,"Inventories for sale or use":0,"Prepaid expenses deferred charges":338159,"Land, building, equipment":1265603,"Investments publicly traded":0,"Investments other":1005968,"Investments program related":0,"Intangible assets":450,"Other assets":42355},"Liabilities":{"value":33436431,"Sum of Total Liabilities":0,"Accounts payable, accrued":232869,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":33203562},"Fund balance":{"value":4038408,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7583620406793772,"percentile":0.5809194573562227},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.16166566696347295,"percentile":0.7135127445671502},"Liabilities to Assets Ratio":{"score":0.8922368152135357,"percentile":0.06593690442830853},"Operating Reserve Ratio":{"score":27.756693298886987,"percentile":0.9638575911244743},"Officer Compensation Ratio":{"score":0.1536301614894687,"percentile":0.40399219163223116},"Program Expense Growth":{"score":0.5692065952497349,"percentile":0.9452631145988736},"Revenue Growth":{"score":0.07162390550264194,"percentile":0.6868200829205922},"Asset Growth":{"score":0.052976043944262904,"percentile":0.5380572144373696},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6887273735141342,"percentile":0.829179084882098}},"source_xml":"202121799349300717_public.xml"},{"Organization":{"value":null,"Person":["ANITA CAMP","TOMMY CAUBLE","LARRY HATFIELD","ANTHONY T MCKENZIE","GEORGE 'CHIP' NOLEN","REBECCA WEATHERSPOON","WILLIAM P WHITAKER","PAM CASE","SUNYA DANGERFIELD","JESSICA WILLIAMSON","JAMES RAMSEY","CAMILLA SHELTON","WILLIAM M TIPPS","ROBERT HOBBS","W PARKS NORMAN","DONNA TUCKER"],"Title":["BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD CHAIRM","BOARD VICE-C","SECRETARY/TR","CEO","OPERATIONS O","LOAN/COMPLIA","SUPERVISORY","SUPERVISORY","SUPERVISORY","CREDIT COM M","CREDIT COM M","CREDIT COM M"],"Hours":[1.0,1.0,1.0,1.0,1.0,1.0,1.0,40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[0,0,0,0,0,0,0,86200,42800,42650,0,0,0,0,0,0],"Direct compensation":[0,0,0,0,0,0,0,86200,42800,42650,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide services for approximately 1,834 members in the form of loans, savings, and other financial services.","year":2013,"name":"JACK DANIEL EMPLOYEES CREDIT UNION","phone":9317595513,"website":"WWW.JDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PAM CASE","year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2013-01-01T00:00:00","tax_period_end":"2013-12-31T00:00:00","address":"488 MAJORS BLVD, LYNCHBURG, TN, 373520199, USA","city":"LYNCHBURG","state":"TN","country":"USA","zip_code":373520199},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":6,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":6,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1031311,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":872824,"Total revenue":{"value":872824,"INTEREST ON LOANS":773954,"FEE INCOME":98870},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":78322,"Investment income total":78322,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":80165,"Other total":80165,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":814151,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":288138,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":288138,"Pension plan contributions":0,"Other employee benefits":0,"Payroll taxes":0},"Other expenses":{"value":526013,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":149841,"Information technology":0,"Royalties":0,"Occupancy":28979,"Travel":0,"Conferences and meetings":5125,"Interest":159560,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":148477,"LOAN SERVICING EXP":53428,"PROF & OUTSIDE SERVICES":52135,"MISC OPERATING EXP":24529,"PROVISION FOR LOAN LOSSES":18385},"All other expenses":34031},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":814151,"Fundraising Expenses":0}},"Assets":{"value":24302843,"Non-interest bearing cash":1236741,"Savings and temp cash investments":1494087,"Pledges and grants receivable":0,"Accounts receivable":15201323,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":85433,"Land, building, equipment":1016573,"Investments publicly traded":0,"Investments other":5026164,"Investments program related":0,"Intangible assets":0,"Other assets":242522},"Liabilities":{"value":22298254,"Sum of Total Liabilities":0,"Accounts payable, accrued":13057,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":22285197},"Fund balance":{"value":2004589,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.21056693858593575,"percentile":0.7666696761699716},"Liabilities to Assets Ratio":{"score":0.9175162757706989,"percentile":0.061781319594318894},"Operating Reserve Ratio":{"score":29.850535097297676,"percentile":0.9669408977985995},"Officer Compensation Ratio":{"score":0.21083312555042,"percentile":0.29637512594338494},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":null,"percentile":null},"Asset Growth":{"score":null,"percentile":null},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6139110611463067,"percentile":0.6456555427854226}},"source_xml":"201442259349302974_public.xml"},{"Organization":{"value":null,"Person":["PAM CASE","SUNYA DANGERFIELD","JESSICA WILLIAMSON","GEORGE 'CHIP' NOLEN","LARRY HATFIELD","ANITA CAMP","TOMMY CAUBLE","ANTHONY T MCKENZIE","DALE MCGEE","SCOTT PARKS","JAMES RAMSEY","CAMILLA SHELTON","ANDREW WHITT","ROBERT HOBBS","W PARKS NORMAN","REBECCA TUCK"],"Title":["CEO","OPERATIONS O","LOAN/COMPLIA","CHAIRMAN","VICE-CHAIRMA","SECRETARY/TR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SUPERVISORY","SUPERVISORY","SUPERVISORY","CREDIT COM M","CREDIT COM M","CREDIT COM M"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,0],"Total Compensation":[102243,50727,55738,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[102243,50727,55738,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2018,"name":"JACK DANIEL EMPLOYEES CREDIT UNION","phone":9317595513,"website":"WWW.JDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PAM CASE","year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2018-01-01T00:00:00","tax_period_end":"2018-12-31T00:00:00","address":"P O BOX 199, LYNCHBURG, TN, 373520199, USA","city":"LYNCHBURG","state":"TN","country":"USA","zip_code":373520199},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":7,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1523356,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1213660,"Total revenue":{"value":1213660,"INTEREST ON LOANS":1081430,"FEE INCOME":132230},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":114370,"Investment income total":114370,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":195326,"Other total":195326,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1205547,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":420503,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":360109,"Pension plan contributions":0,"Other employee benefits":60394,"Payroll taxes":0},"Other expenses":{"value":785044,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":213075,"Information technology":0,"Royalties":0,"Occupancy":42689,"Travel":0,"Conferences and meetings":8700,"Interest":220146,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":277950,"LOAN SERVICING EXP":102636,"PROF & OUTSIDE SERVICES":79974,"PROVISION FOR LOAN LOSSES":57535,"MISC OPERATING EXP":37805},"All other expenses":22484},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":1205547,"Fundraising Expenses":0}},"Assets":{"value":31206257,"Non-interest bearing cash":1537726,"Savings and temp cash investments":3216622,"Pledges and grants receivable":0,"Accounts receivable":23253844,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":205987,"Land, building, equipment":1338815,"Investments publicly traded":0,"Investments other":1343764,"Investments program related":0,"Intangible assets":0,"Other assets":309499},"Liabilities":{"value":27741261,"Sum of Total Liabilities":0,"Accounts payable, accrued":218920,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":27522341},"Fund balance":{"value":3464996,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.20862424804182345,"percentile":0.7648054824862193},"Liabilities to Assets Ratio":{"score":0.8889647034567458,"percentile":0.06645453457941475},"Operating Reserve Ratio":{"score":25.88555817400732,"percentile":0.9605804789118759},"Officer Compensation Ratio":{"score":0.17312307193332155,"percentile":0.36289130359400784},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.07662357121654559,"percentile":0.7024800306619733},"Asset Growth":{"score":0.04890884785062946,"percentile":0.5225619296926932},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6207609119256312,"percentile":0.6648360735567655}},"source_xml":"201941359349302824_public.xml"},{"Organization":{"value":null,"Person":["PAM CASE","SUNYA DANGERFIELD","JESSICA WILLIAMSON","GEORGE 'CHIP' NOLEN","LARRY HATFIELD","ANITA CAMP","REBECCA WEATHERSPOON","TOMMY CAUBLE","ANTHONY T MCKENZIE","DALE MCGEE","JAMES RAMSEY","CAMILLA SHELTON","ANDREW WHITT","ROBERT HOBBS","W PARKS NORMAN","DONNA TUCKER","SCOTT PARKS"],"Title":["CEO","OPERATIONS O","LOAN/COMPLIA","CHAIRMAN","VICE-CHAIRMA","SECRETARY/TR","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","BOARD MEMBER","SUPERVISORY","SUPERVISORY","SUPERVISORY","CREDIT COM M","CREDIT COM M","CREDIT COM M","CREDIT COM M"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[95157,48002,47469,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[95157,48002,47469,0,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit union - to provide financial services for its members.","year":2016,"name":"JACK DANIEL EMPLOYEES CREDIT UNION","phone":9317595513,"website":"WWW.JDECU.ORG","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":"PAM CASE","year_formation":1987,"state_legal_domicile":"TN","total_volunteers":14,"tax_period_begin":"2016-01-01T00:00:00","tax_period_end":"2016-12-31T00:00:00","address":"P O BOX 199, LYNCHBURG, TN, 373520199, USA","city":"LYNCHBURG","state":"TN","country":"USA","zip_code":373520199},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":7,"Total Gross UBI":0,"Net unrelated business taxable income":null,"Number of employees":7,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":1253317,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":1008716,"Total revenue":{"value":1008716,"INTEREST ON LOANS":876276,"FEE INCOME":132440},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":95751,"Investment income total":95751,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":148850,"Other total":148850,"Royalties revenue":0,"Net rental income":0,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":1005838,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":370737,"Current officers":0,"Disqualified persons":0,"Other salaries and wages":327283,"Pension plan contributions":0,"Other employee benefits":43454,"Payroll taxes":0},"Other expenses":{"value":635101,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":194653,"Information technology":0,"Royalties":0,"Occupancy":33114,"Travel":0,"Conferences and meetings":6138,"Interest":173423,"Payments to affiliates":0,"Depreciation and depletion":0,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":211301,"PROF & OUTSIDE SERVICES":68688,"LOAN SERVICING EXP":65468,"PROVISION FOR LOAN LOSSES":50762,"MISC OPERATING EXP":26383},"All other expenses":16472},"Functional Expenses":{"value":null,"Program Service Expenses":0,"Management And General Expenses":1005838,"Fundraising Expenses":0}},"Assets":{"value":30242425,"Non-interest bearing cash":2802666,"Savings and temp cash investments":3386456,"Pledges and grants receivable":0,"Accounts receivable":18046103,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":0,"Inventories for sale or use":0,"Prepaid expenses deferred charges":147639,"Land, building, equipment":1092209,"Investments publicly traded":0,"Investments other":4476958,"Investments program related":0,"Intangible assets":0,"Other assets":290394},"Liabilities":{"value":27380105,"Sum of Total Liabilities":0,"Accounts payable, accrued":152705,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":27227400},"Fund balance":{"value":2862320,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.0,"percentile":0.4421253816471043},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.19745922220794898,"percentile":0.7537570727573579},"Liabilities to Assets Ratio":{"score":0.9053541506674812,"percentile":0.06377830271388142},"Operating Reserve Ratio":{"score":30.066894470083653,"percentile":0.96722362350071},"Officer Compensation Ratio":{"score":0.18952157305649617,"percentile":0.332071009847393},"Program Expense Growth":{"score":null,"percentile":null},"Revenue Growth":{"score":0.06489962559400739,"percentile":0.6639389493010767},"Asset Growth":{"score":0.07056517949511054,"percentile":0.5995796824460508},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.6179705001985077,"percentile":0.6570856672378895}},"source_xml":"201731249349300223_public.xml"}],"Latest":{"Organization":{"value":null,"Person":["Pam Case","Sunya Dangerfield","Jessica Horton","Dale Stone","Josh Hornaday","Tommy Cauble","John Taylor","Paul Fletcher","Scott Parks","Dusty Hardin","Camilla Shelton","Andrew Whitt","Lacey Ray","W Parks Norman","Norma Milligan","Anita Camp"],"Title":["CEO","Operations","Compliance Offi","Board Member","Vice Chairman","Board Member","Board Member","Board Member","Chairman","Supervisory","Supervisory","Supervisory","Credit Com","Credit Com","Credit Com","Sec/Treasurer"],"Hours":[40.0,40.0,40.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0,1.0],"Total Compensation":[116237,68100,68100,0,0,0,0,0,0,0,0,0,0,0,0,0],"Direct compensation":[116237,68100,68100,0,0,0,0,0,0,0,0,0,0,0,0,0],"Other compensation":[0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]},"Basic":{"value":null,"mission":"Credit intermediary and financial services for membership","year":2024,"name":"Jack Daniel Employees Credit Union","phone":9317593300,"website":"www.jdecu.org","type":"990","affiliation":null,"foreign_countries":null,"principal_officer":null,"year_formation":1987,"state_legal_domicile":"TN","total_volunteers":13,"tax_period_begin":"2024-01-01T00:00:00","tax_period_end":"2024-12-31T00:00:00","address":"PO Box 199, Lynchburg, TN, 37352, USA","city":"Lynchburg","state":"TN","country":"USA","zip_code":37352},"Governance":{"value":null,"501c3 determination":false,"501c determination":true,"Number of voting members":7,"Number of independent voting members":7,"Number of employees total":9,"Total Gross UBI":42802,"Net unrelated business taxable income":18974,"Number of employees":9,"Prohibited tax shelter transactions":true,"Taxable party notification":true,"Funds to pay premiums":false,"Premiums Paid":false,"Family or business relationship":true,"Delegation of management duties":true,"Conflict of interest policy":true,"Whistle blower policy":true,"Compensation process for CEO":true,"Compensation process for other employees":true,"Changes to organizing documents":true,"Material diversion or misuse":true,"Members or stockholders":true,"Election of board members":true,"Decisions subject to approval":true,"Minutes of governing body":true,"Local chapters":true,"Form 990 provided to governing body":true,"Document retention policy":true,"Investment in joint venture":true,"Independent audit financial statements":true,"Consolidated audit financial statements":true,"Accountant compile or review":true,"Political activities":true,"Donor advised funds":true,"Conservation easements":true,"Collections of art":true,"School":true,"Hospital":true,"Foreign activities":true,"Foreign office":true,"Gaming":true,"Fundraising activities":true,"Professional fundraising":true,"Loan to officer or DQP":true,"Grant to related person":true,"Business relationship through family member":true,"Business relationship with organization":true},"Revenues":{"value":3011759,"Contributions":{"value":0,"Other contributions":0,"Contributions from gifts and grants":0,"Fundraising revenue":0,"Dues":0,"Campaigns":0,"Grant revenue":0,"Related organizations":0},"Program revenue":{"value":2152760,"Total revenue":{"value":2152760,"Fee Income":145396,"Loan Interest":2007364},"Total other revenue":0,"Unrelated business revenue":0},"Investment income":{"value":505355,"Investment income total":505355,"Net investment gain":0,"Income from invest bond proceeds":0},"Other revenues":{"value":353644,"Other total":310842,"Royalties revenue":0,"Net rental income":42802,"Net income from fundraising events":0,"Net income from gaming":0,"Net income":0,"Gross profit from sales of inventory":0,"Gain from sale of assets":0}},"Expenses":{"value":2364537,"Grant expense":{"value":0,"Grants to domestic orgs":0,"Grants to domestic individuals":0,"Grants and similar":0,"Foreign grants":0},"Total professional fundraising expense":{"value":0,"Fundraising professional":0,"Fees to independent contractors":0},"Benefits paid to members":{"value":0,"Benefits paid to members Total":0},"Salaries":{"value":664092,"Current officers":313949,"Disqualified persons":0,"Other salaries and wages":254300,"Pension plan contributions":0,"Other employee benefits":95843,"Payroll taxes":0},"Other expenses":{"value":1700445,"Management services":0,"Legal":0,"Accounting":0,"Lobbying services":0,"Investment management fees":0,"Other services":0,"Advertising":0,"Office expenses":74725,"Information technology":0,"Royalties":0,"Occupancy":23216,"Travel":0,"Conferences and meetings":11031,"Interest":996044,"Payments to affiliates":0,"Depreciation and depletion":46683,"Insurance":0,"Travel entertainment public officials":0,"Travel entertainment payments":0,"Printing, publications, postage":0,"Itemized Expenses":{"value":436309,"Debit Card Processing Expense":189231,"Loan Servicing Expense":124010,"Professional Services":85836,"Operations- Other":37232},"All other expenses":112437},"Functional Expenses":{"value":null,"Program Service Expenses":1891525,"Management And General Expenses":473012,"Fundraising Expenses":0}},"Assets":{"value":51342510,"Non-interest bearing cash":2652863,"Savings and temp cash investments":6726746,"Pledges and grants receivable":0,"Accounts receivable":0,"Receivables from officers":0,"Receivables from disqual persons":0,"Other net note and loans":36572783,"Inventories for sale or use":0,"Prepaid expenses deferred charges":574664,"Land, building, equipment":1174394,"Investments publicly traded":0,"Investments other":3529203,"Investments program related":0,"Intangible assets":0,"Other assets":111857},"Liabilities":{"value":45688717,"Sum of Total Liabilities":0,"Accounts payable, accrued":406163,"Grants payable":0,"Deferred, revenue":0,"Tax exempt bond liabilities":0,"Escrow account liability":0,"Loans from officers, directors":0,"Secured mortgages and notes payable":0,"Unsecured notes loans payable":0,"Other liabilities":45282554},"Fund balance":{"value":5653793,"Net assets without donor restriction":0,"Net assets with donor restriction":0,"Unrestricted net assets":0,"Temporarily restricted net assets":0,"Permanently restricted net assets":0},"Ratings":{"Program Expense Ratio":{"score":0.7999557630098408,"percentile":0.6247049535578775},"Fundraising Efficiency":{"score":null,"percentile":null},"Operating Margin":{"score":0.2148983368191147,"percentile":0.7707516631921509},"Liabilities to Assets Ratio":{"score":0.8898808609084363,"percentile":0.06630745960969008},"Operating Reserve Ratio":{"score":21.713557453319613,"percentile":0.9510163069475547},"Officer Compensation Ratio":{"score":0.10675958972094748,"percentile":0.5301196993280252},"Program Expense Growth":{"score":0.286030946866846,"percentile":0.8585523919859538},"Revenue Growth":{"score":0.09176711714890903,"percentile":0.7443832343510409},"Asset Growth":{"score":0.06960411895253514,"percentile":0.5964505707734072},"Independent Voting Board Pct":{"score":1.0,"percentile":0.9933392423419786},"Governance Policy Score":{"score":6.0,"percentile":1.0},"Overall Score":{"score":0.7154703717909368,"percentile":0.8730619234566632}},"source_xml":"202532479349300028_public.xml"},"sector":"","donation_categories":[],"zakat_policy":null},"error":null}