COVINGTON, VA
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)JACKSON RIVER COMMUNITY CREDIT UNION, founded in 1953, is a community nonprofit that reported $7.4M in total revenue in fiscal year 2025. Revenue grew 16% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.7M, a strong 37% operating margin.
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.
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...
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.
FEE INCOME - FEES CHARGED TO MEMBERS. WHILE THE CREDIT UNION STRIVES TO MAINTAIN A LOW FEE RATE SCHEDULE, SOME FEES ARE NEEDED. FEES, IN MANY CASES, CAN BE AVOIDED. THESE FEES INCLUDE NON-SUFFICIENT...
FEE INCOME - FEES CHARGED TO MEMBERS. WHILE THE CREDIT UNION STRIVES TO MAINTAIN A LOW FEE RATE SCHEDULE, SOME FEES ARE NEEDED. FEES, IN MANY CASES, CAN BE AVOIDED. THESE FEES INCLUDE NON-SUFFICIENT FUNDS FEE, NEGATIVE OVERDRAFT FEES, LATE PAYMENT FEES AND DORMANT FEES. OTHER FEES CHARGED FOR CREDIT UNION SERVICES INCLUDE SAFE DEPOSIT BOX RENTAL FEES, STOP PAYMENT FEES AND WIRE FEES.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $7,424,478 | $6,374,937 | +0.2% |
| Expenses | $4,695,779 | $4,284,801 | +0.1% |
| Net Income | $2,728,699 | $2,090,136 | +0.3% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| HUNTER FRIDLEY | CHAIRMAN | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| DAVID VEST | VICE-CHAIRMAN | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| ANDRA FRIDLEY | SECRETARY | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| CINDY FOX | TREASURER | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| JIM BIRCHFIELD | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| PERRY BALSER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| EDDIE TOOMBS | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| KATHLEEN ALL | CEO | 45.00 |
Officer
|
$145,479 | $23,333 | $168,812 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $7,424,478 | $4,695,779 | $127,427,295 | $2,728,699 |
| 2024 | $6,374,937 | $4,284,801 | $117,200,762 | $2,090,136 |
| 2023 | $5,733,008 | $3,690,060 | $108,539,863 | $2,042,948 |
| 2022 | $4,389,231 | $3,203,084 | $107,256,526 | $1,186,147 |
| 2021 | $3,478,106 | $2,687,263 | $104,365,110 | $790,843 |
| 2020 | $3,314,964 | $2,812,372 | $96,519,978 | $502,592 |
| 2019 | $3,329,470 | $2,531,476 | $83,927,378 | $797,994 |
| 2018 | $2,867,379 | $2,081,806 | $81,575,660 | $785,573 |
Compare JACKSON RIVER COMMUNITY CREDIT UNION with other nonprofits in Virginia and across the country.