Nonprofit · EIN 64-0179401
NAVIGATOR CREDIT UNION
Tax-exempt · PASCAGOULA, MS 39568
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| April 30, 2024 | 990 | $2,475,579 | $2,456,256 | $19,323 | $0 | $0 | $0 |
| December 31, 2023 | 990 | $31,083,422 | $25,803,326 | $5,280,096 | $378,835,061 | $320,467,360 | $58,367,701 |
Financial details: 990 for the year ended April 30, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,433,339
- Investment income
- $189,141
- Other revenue
- $853,099
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $64,972
- Other salaries and wages
- $607,735
- Salaries, compensation and benefits (total)
- $841,543
- Professional fundraising fees
- $0
- Legal fees
- $17
- Accounting fees
- $6,500
- Occupancy
- $32,096
- Travel
- $7,725
- Depreciation
- $66,431
Balance sheet and other
- Total assets, start of year
- $378,835,061
- Total assets, end of year
- $0
- Total liabilities, end of year
- $0
- Net assets, end of year
- $0
- Gross unrelated business income
- $9,167
- Gross receipts
- $2,475,579
- Employees
- 0
- Volunteers
- 0
- Year formed
- 1939
- State of legal domicile
- MS
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended April 30, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CYNTHIA BOWLES | SECRETARY Trustee or director, Officer | 3 | $0 |
| CARLOS LETT | VICE CHAIRMAN Trustee or director, Officer | 3 | $0 |
| TOMMY LEONARD | CHAIRMAN Trustee or director, Officer | 3 | $0 |
| DOROTHY TODD | DIRECTOR Trustee or director | 3 | $0 |
| RICHARD SCHENK | DIRECTOR Trustee or director | 3 | $0 |
| CHRIS HUDSON | DIRECTOR Trustee or director | 3 | $0 |
990 for the year ended December 31, 2023: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| SONYA JARVIS | PRESIDENT/CEO Officer | 40 | $302,715 | $94,368 |
| WILLIAM MCCOY | CHIEF FINANCIAL OFFICER Officer | 40 | $180,168 | $24,961 |
| ANDREW WILSON | CHIEF LOAN OFFICER Officer | 40 | $148,098 | $22,455 |
| SALLY HOFFSTADT | CHIEF ADMINISTRATIVE OFFIC Officer | 15 | $159,841 | $6,928 |
| HELEN SYLVESTER | CHIEF OPERATIONS OFFICER Officer | 40 | $138,580 | $13,397 |
| CYNTHIA BOWLES | SECRETARY Trustee or director, Officer | 3 | $0 | $0 |
| CARLOS LETT | VICE CHAIRMAN Trustee or director, Officer | 3 | $0 | $0 |
| TOMMY LEONARD | CHAIRMAN Trustee or director, Officer | 3 | $0 | $0 |
| DOROTHY TODD | DIRECTOR Trustee or director | 3 | $0 | $0 |
| RICHARD SCHENK | DIRECTOR Trustee or director | 3 | $0 | $0 |
| CHRIS HUDSON | DIRECTOR Trustee or director | 3 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 1647, PASCAGOULA, MS 39568-1647
- In care of
- % ROBERT FERTITTA
- Principal officer (990 for 2024)
- SONYA JARVIS, PO BOX 1647, PASCAGOULA, MS 395681647
- Signed the 990
- SONYA JARVIS, PRESIDENT/CEO
- Phone
- (228) 762-3542
- Website
- WWW.NAVIGATORCU.ORG
- Return prepared by
- WARREN AVERETT LLC
Mission
THE CREDIT UNION'S MISSION IS TO PROMOTE THRIFT AMONG ITS MEMBERS AND CREATE A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST. THE CREDIT UNION'S MEMBERS INCLUDE EMPLOYEES OF HUNTINGTON INGALLS INDUSTRIES OPERATING DIVISION ENGAGED IN THE SHIPBUILDING INDUSTRY IN JACKSON COUNTY, MISSISSIPPI AND THEIR FAMILIES, AS WELL AS THOSE WHO LIVE, WORK, WORSHIP OR ATTEND SCHOOL IN MOBILE AND BALDWIN COUNTIES, ALABAMA AND A DESINATED PORTION OF GULFPORT, MISSISSIPPI, FEDERAL EMPLOYEES IN JACKSON COUNTY, MISSISSIPPI AS WELL AS FEDERAL GOVERNMENT RETIRES AND THEIR FAMILIES, INDIVIDUALS EMPLOYED AT ANY BUSINESS LOCATED IN JACKSON OR HARRISON COUNTY, MISSISSIPPI WHICH HAS FEWER THAN 500 EMPLOYEES AS WELL AS RETIREES AND FAMILY MEMBERS OF THIS GROUP. THE TOTAL NUMBER OF MEMBERS IS IN EXCESS OF 45,000.
Program accomplishments
- IN OUR EFFORTS TO PROMOTE THRIFT AMONG OUR MEMBERS, THE CREDIT UNION PROVIDES COMPETITIVE SAVINGS PRODUCTS, WHICH INCLUDE SAVINGS, CHECKING, MONEY MARKET, CERTIFICATES OF DEPOSIT ACCOUNTS AS WELL AS IRA SAVINGS AND CERTIFICATES OF DEPOSIT ACCOUNTS.
- TO MEET THE FINANCIAL NEEDS OF OUR MEMBERS, THE CREDIT UNION PROVIDES A SOURCE OF CREDIT BY OFFERING A VARIETY OF CONSUMER AND MORTGAGE LENDING PRODUCTS AT REASONABLE RATES OF INTEREST.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | Not on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 64-0179401
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1970
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Category (NTEE)
- Public and societal benefit (W61)
- Income (IRS master file)
- $2,475,579
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | April 2024 | $2,475,579 | $2,456,256 | $0 | XML |
| 990 | December 2023 | $31,083,422 | $25,803,326 | $378,835,061 | XML |
| 990 | December 2022 | $26,230,497 | $21,968,116 | $418,420,655 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 64-0179401).
Questions about NAVIGATOR CREDIT UNION
- What is the EIN of NAVIGATOR CREDIT UNION?
- The employer identification number (EIN) of NAVIGATOR CREDIT UNION is 64-0179401.
- Is NAVIGATOR CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1970.
- Are donations to NAVIGATOR CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does NAVIGATOR CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of NAVIGATOR CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did NAVIGATOR CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended April 2024.
- Who is the principal officer of NAVIGATOR CREDIT UNION?
- The 990 for the year ended April 30, 2024 names SONYA JARVIS.
- Who are the officers and directors of NAVIGATOR CREDIT UNION?
- The 990 for the year ended April 30, 2024 lists 6 people; 0 received compensation from the organization.
- How much revenue does NAVIGATOR CREDIT UNION have?
- On its 990 for the year ended April 30, 2024 it reported revenue of $2,475,579, expenses of $2,456,256 and total assets of $0 at year end.
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