JCVision and Associates Inc

Nonprofit profile at a glance

EIN
582525433
IRS 990 coverage
2010–2024
Forms available
Form 990 2024
Location
Hinesville, GA, USA
Phone
9128774243
Rating
79
Verdict
SUPPORTED
Rating confidence
Moderate
Sector
Financial Counseling

Official website

Reported finances

Revenue
$1,210,650
Expenses
$915,596
Assets
$686,733
Liabilities
$149,969

Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.

Leadership & pay

10 people listed

Highest reported compensation

  • Dana Ingram (Executive Direc): $81,460 total reported compensation
  • Terry Lollis (Secretary): $37,571 total reported compensation
  • James Lewis Jr (Board Member): $35,863 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Mission Statement: To identify financial solutions by providing tools that will increase economic resources, wealth and development for consumers and communities within southeast Georgia.Vision Statement: To set the captives free from financial bondage.

What it reported doing in 2024

Financial Literacy and Coaching to include: Homeownership (15 new homes were purchased by 1st-time home buyers), Comprehensive Housing Counseling (151 customers assisted), Fair Housing Initiative (87 complaints received, 48 cases conciliated by organization or HUD, 72 enforcement tests completed), Mortgage HELP and Foreclosure Prevention (42 homeowners assisted to prevent foreclosure), and Tax Preparation and resolution services (72 taxpayers assisted). Began construction on Shaw Road that will provide homes for families.

Operating model

Revenue model
Grant-funded. 93% of the money available for current operations came from government grants.
Distribution model
Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Some filing-based governance responses are negative or unanswered and total assets are small relative to annual expenses; liquid coverage is unknown.

Rating breakdown

  • Financial Efficiency: 75
  • Transparency & Controls: 92
  • Accountability: 67
  • Sustainability: 53
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 65.5%; rating input score 65
  • Program expense ratio: 86.5%; rating input score 87
  • Fundraising efficiency: $200.91 raised per $1 spent on fundraising; rating input score 92; 92nd percentile among comparable filings

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Yes; rating input score 100
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 66.7%; rating input score 67; 14th percentile among comparable filings
  • Governance controls: 6 of 9 controls in place; rating input score 67
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Missing
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 24.4%; rating input score 80; 80th percentile among comparable filings
  • Total-asset coverage ratio: 0.75; rating input score 34; 34th percentile among comparable filings
  • Liabilities to assets ratio: 0.22; rating input score 30; 30th percentile among comparable filings
  • Officer compensation ratio: 20.1%; rating input score 15; 15th percentile among comparable filings

Growth

  • Program expense growth: 13.3% per year; rating input score 100; 72nd percentile among comparable filings
  • Revenue growth: 10.7% per year; rating input score 100; 69th percentile among comparable filings
  • Asset growth: 13.8% per year; rating input score 100; 70th percentile among comparable filings

Details

  • Where the money goes: 65.5% of revenue deployed · 86.5% of spending went to programs
  • Governance: 6 of 9 board members independent · 6 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $792K in reported program spending
  • Leadership: top reported pay $81K · 10 people listed
  • Consistency: 29 of 29 current checks pass
  • Schedules: 4 filed schedules · includes major donors
  • Filing history: 12 filing years from 2010 to 2024
  • Contacts: How to reach this organization
  • Money network: 4 filed money-flow records
  • 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 8 not reported.
  • Moderate — Sustainability: Total-asset coverage ratio scored 34/100.
  • High — Sustainability: Officer compensation ratio scored 15/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 30/100.