Back to filter
Original filing (PDF)20251014112127NAL0005601970001
JOVIA FINANCIAL CREDIT UNION
Form 5500
FILING_RECEIVED
JOVIA FINANCIAL CREDIT UNION DEFINED BENEFIT PLAN AND TRUST
Defined-benefit pension plan
Signals · 2
70% in single holdingNo recordkeeper disclosed
Active participants
443
Accounts w/ balance
—
Plan assets (EOY)
$42.9M
Net assets (EOY)
$42.9M
How this plan invests
This plan
21 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
93
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
75
Total plan cost
100
Vendor stack
80
Participation health
100
Knocking points off
- Top holding "CMFG Life Insurance * Stable Value Fund" is 70% of plan.
- No recordkeeper disclosed on Schedule C.
Helping the score
- Below-peer total fees (7 bps vs 29 bps peer median).
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for JOVIA FINANCIAL CREDIT UNION.
Plan sponsor
Name
JOVIA FINANCIAL CREDIT UNION
EIN
11-1644859
Address
1000 CORPORATE DR · WESTBURY, NY · 115906624
Phone
(516) 561-0030
Industry
Finance & Insurancesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
001
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
1A · Pay-related DB formula
3D · Pre-approved plan (master / prototype / VS)
Audit & trust (Schedule H)
Auditor
CLIFTONLARSONALLEN LLP
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
2 rowsOther
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| CMFG LIFE INSURANCE COMPANY | 39-0230590 | — | NONE | $19K | — |
| MEMBERS CAPITAL ADVISORS, INC | 42-0388260 | — | NONE | $10K | — |
Investments
21 direct securities· $42.9M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| CMFG Life Insurance * Stable Value Fund | — | — | $29.0M | $30.2M | 70.4% | |
| Fidelity Large Cap Value Index | — | — | $1.3M | $1.5M | 3.5% | |
| Fidelity 500 Index | — | — | $1.1M | $1.5M | 3.4% | |
| Fidelity Large Growth Index | — | — | $926K | $1.3M | 2.9% | |
| Fidelity U.S. Bond Index | — | — | $889K | $872K | 2.0% | |
| Baird Aggregate Bond Inst | — | — | $868K | $871K | 2.0% | |
| Fidelity Mid Cap Index | — | — | $666K | $783K | 1.8% | |
| Fidelity Emerging Markets Index | — | — | $723K | $743K | 1.7% | |
| Fidelity International Index | — | — | $643K | $707K | 1.6% | |
| Company Vanguard VG High-Yield Corporation | — | — | $630K | $640K | 1.5% | |
| Lazard Asset Management Lazard Global Listed Inf Ins | — | — | $631K | $632K | 1.5% | |
| JPMorgan JPM Intl Focus R6 | — | — | $558K | $595K | 1.4% | |
| Federated Hermes Total Return Bond Inst | — | — | $514K | $500K | 1.2% | |
| Dodge & Cox Dodge & Cox Income I | — | — | $507K | $496K | 1.2% | |
| Hartford Total Return Bond R6 | — | — | $512K | $496K | 1.2% | |
| Columbia Emerging Markets Bond Inst 2 | — | — | $372K | $379K | 0.9% | |
| Cohen & Steers Cohne & Steers Insl Real | — | — | $356K | $363K | 0.8% | |
| Dimensional Fund Advisors DFA US Small Cap I | — | — | $109K | $129K | 0.3% | |
| MFS Blend Res SmCp Eq R5 | — | — | $120K | $126K | 0.3% | |
| Fidelity Adv Sm allCap Z | — | — | $131K | $124K | 0.3% | |
| Metropolitan West Funds TCW MetWest Ttl Rtrn Bd I | — | — | $2K | $2K | <0.1% |