Jackson River Community Credit Union

Nonprofit profile at a glance

EIN
540620788
IRS 990 coverage
2010–2025
Forms available
Form 990 2025
Location
Covington, VA, USA
Phone
5409626154
Rating confidence
Limited
Sector
Financial Institutions

Official website

Reported finances

Revenue
$7,424,478
Expenses
$4,695,779
Assets
$127,427,295
Liabilities
$705,986

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

8 people listed

Executive titles in this filing

  • KATHLEEN ALL (CEO)

Highest reported compensation

  • KATHLEEN ALL (CEO): $168,812 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

To assist members in reaching their financial goals and needs. The credit union strives to keep fees and costs of services to a minimum. Services include but are not limited to: savings and checking accounts, certificate of deposits, individual retirement accounts, consumer loans and mortgages.

What it reported doing in 2025

Loans - include interest received from credit card programs, mortgages, personal and vehicle loans (both in-house and through the dealer indirect lending program). Each member is considered and approved for a loan based on a board approved policy. All members, regardless of account balance, must demonstrate ability to repay, willingness to repay and be credit worth based on the credit union's loan policy.

Operating model

Revenue model
Earned-program. 68% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 79
  • Accountability: 84
  • Sustainability: 86
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: 3 of 6 controls in place; rating input score 50
    • Compensation committee: Pass
    • Independent consultant: Missing
    • Other Form 990s reviewed: Missing
    • Written employment contract: Pass
    • Compensation survey or study: Missing
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 5 of 8 controls in place; rating input score 62
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 36.8%; rating input score 85; 85th percentile among comparable filings
  • Total-asset coverage ratio: 27.14; rating input score 97; 97th percentile among comparable filings
  • Liabilities to assets ratio: 0.01; rating input score 82; 82nd percentile among comparable filings
  • Officer compensation ratio: 3.6%; rating input score 66; 66th percentile among comparable filings

Growth

  • Program expense growth: -21% per year; rating input score 0; 2nd percentile among comparable filings
  • Revenue growth: 8.1% per year; rating input score 100; 58th percentile among comparable filings
  • Asset growth: 4.4% per year; rating input score 100; 30th percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 7 of 7 board members independent · 5 of 8 filing controls reported
  • Programs: 2 filed program accomplishments
  • Leadership: top reported pay $169K · 8 people listed · 3 of 6 pay-setting controls reported
  • Consistency: 10 of 10 current checks pass
  • Schedules: 4 filed schedules · includes major donors and executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 1 filed money-flow record
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • Review — Accountability: Governance controls: 2 of 7 not reported.
  • High — Growth: Program expense growth scored 0/100.