Civic Intelligence

Clarity Credit Union

990 • Fiscal year 2012 • EIN 82-0202653

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 22, 2013

Organization ProfileWWW.CLARITYCU.COM

View Organization Page

PO Box 50083653
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

76th percentile

0.91x

Higher debt load relative to assets than 76% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

70th percentile

6.1%

Faster asset growth than 70% of similar nonprofits.

2012 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$44,524,815

Up $2,578,982 (+6.1%) from 2011

Net Assets

Up

$4,121,755

Up $674,564 (+20%) from 2011

Liabilities

Up

$40,403,060

Up $1,904,418 (+4.9%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$2,100,103

Down $1,365,880 (-39%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth70th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300M$200M$100M$0Assets 2010: $44,554,267Liabilities 2010: $40,641,305Net Assets 2010: $3,912,9622010Assets 2011: $41,945,833Liabilities 2011: $38,498,642Net Assets 2011: $3,447,1912011Assets 2012: $44,524,815Liabilities 2012: $40,403,060Net Assets 2012: $4,121,7552012Assets 2014: $61,190,012Liabilities 2014: $56,152,529Net Assets 2014: $5,037,4832014Assets 2015: $65,469,109Liabilities 2015: $60,172,574Net Assets 2015: $5,296,5352015Assets 2016: $68,580,521Liabilities 2016: $63,857,774Net Assets 2016: $4,722,7472016Assets 2017: $71,280,682Liabilities 2017: $65,891,422Net Assets 2017: $5,389,2602017Assets 2018: $77,894,188Liabilities 2018: $71,426,046Net Assets 2018: $6,468,1422018Assets 2019: $87,036,006Liabilities 2019: $79,610,397Net Assets 2019: $7,425,6092019Assets 2020: $120,040,103Liabilities 2020: $111,880,050Net Assets 2020: $8,160,0532020Assets 2021: $163,691,323Liabilities 2021: $152,256,927Net Assets 2021: $11,434,3962021Assets 2022: $168,916,965Liabilities 2022: $155,719,295Net Assets 2022: $13,197,6702022Assets 2023: $194,416,178Liabilities 2023: $178,749,642Net Assets 2023: $15,666,5362023Assets 2024: $204,348,891Liabilities 2024: $186,687,658Net Assets 2024: $17,661,2332024

Highlighted filing

2012

Assets$44,524,815
Liabilities$40,403,060
Net Assets$4,121,755
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$20M$15M$10M$5.0M$0-$5.0MExpenses 2010: $3,881,6672010Expenses 2011: $3,465,9832011Expenses 2012: $2,100,1032012Revenue 2014: $3,963,178Expenses 2014: $3,936,292Net Income 2014: $26,8862014Revenue 2015: $5,334,995Expenses 2015: $5,075,943Net Income 2015: $259,0522015Revenue 2016: $5,583,278Expenses 2016: $6,157,066Net Income 2016: -$573,7882016Revenue 2017: $5,597,038Expenses 2017: $4,930,525Net Income 2017: $666,5132017Revenue 2018: $6,074,549Expenses 2018: $4,995,667Net Income 2018: $1,078,8822018Revenue 2019: $6,690,154Expenses 2019: $5,732,687Net Income 2019: $957,4672019Revenue 2020: $7,042,459Expenses 2020: $6,308,015Net Income 2020: $734,4442020Revenue 2021: $9,669,109Expenses 2021: $6,394,766Net Income 2021: $3,274,3432021Revenue 2022: $10,347,743Expenses 2022: $8,160,711Net Income 2022: $2,187,0322022Revenue 2023: $13,336,172Expenses 2023: $11,050,987Net Income 2023: $2,285,1852023Revenue 2024: $15,997,133Expenses 2024: $13,837,290Net Income 2024: $2,159,8432024

Highlighted filing

2012

Revenue-
Expenses$2,100,103
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 22, 2013
Return Version
2012v2.1
Gross Receipts
$2,774,667
Mission and Program Overview

Mission

Clarity credit union values people as individuals, helping them realize their goals and achieve their dreams. We build lifelong relationships by providing financial solutions within our community.

Filing and Contact Details

Filer

EIN
82-0202653
Raw XML Appendix391 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990ScheduleO/GeneralExplanation/Explanation0THE ORGANIZATION UPDATED THE BYLAWS TO CHANGE THE MINIMUM SHARE DEPOSIT AMOUNT FROM $50 TO $5.
IRS990ScheduleO/GeneralExplanation/Explanation1EACH ACCOUNT HOLDER IS A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/GeneralExplanation/Explanation2THE MEMBERSHIP ELECTS THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS APPOINTS THE SUPERVISORY COMMITTEE.
IRS990ScheduleO/GeneralExplanation/Explanation3SIGNIFICANT DECISIONS, SUCH AS MERGING THE CREDIT UNION, WOULD REQUIRE MEMBERSHIP APPROVAL.
IRS990ScheduleO/GeneralExplanation/Explanation4DURING 2012 THE ORGANIZATION HAD ALM, SUPERVISORY, AND SPECIAL MANAGEMENT TEAM COMMITTEES FOR WHICH MEETINGS WERE HELD AND MINUTES AND ACTIONS WERE RECORDED. HOWEVER, NONE OF THESE COMMITTEES HAD AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY DURING THE YEAR. ANY ACTIONS RECOMMENDED BY THE COMMITTEES WERE REQUIRED TO OBTAIN BOARD APPROVAL.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CEO AND CFO OF THE CREDIT UNION WILL REVIEW A DRAFT COPY OF THE FORM 990 AND PROVIDE COPIES TO THE BOARD FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/GeneralExplanation/Explanation6ALL EMPLOYEES, BOARD MEMBERS AND COMMITTEE MEMBERS OF THE ORGANIZATION ARE COVERED BY THE WRITTEN CONFLICT OF INTEREST POLICY. DETERMINATIONS REGARDING A CONFLICT OF INTEREST ARE MADE BY EXECUTIVE COMMITTEE MEMBERS, THE BOARD OF DIRECTORS OR LEGAL COUNSEL. ANY VIOLATION OF THE CONFLICT OF INTEREST POLICY MAY RESULT IN DISCIPLINARY ACTION UP TO AND INCLUDING DISCHARGE OR REMOVAL FROM EMPLOYMENT OR THE BOARD/COMMITTEE POSITION.
IRS990ScheduleO/GeneralExplanation/Explanation7THE ORGANIZATION'S BOARD OF DIRECTORS REVIEWS CEO COMPENSATION ON AN ANNUAL BASIS. THE CEO PERFORMS AN ANNUAL REVIEW OF ALL OTHER EMPLOYEES ANNUALLY. BOTH REVIEW PROCESSES UTILIZE COMPEASE SOFTWARE DATA IN ORDER TO EVALUATE COMPENSATION. COMPENSATION REVIEWS WERE LAST PERFORMED IN NOVEMBER, 2012.
IRS990ScheduleO/GeneralExplanation/Explanation8THE ORGANIZATION MAKES DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation9THE CREDIT UNION IS GOVERNED BY THE NATIONAL CREDIT UNION ADMINISTRATION. AS SUCH, REGULATORS REVIEW THE FINANCIAL TRANSACTIONS OF THE CREDIT UNION ON A CONSISTENT BASIS. IN ADDITION, THE CREDIT UNION MAINTAINS AN AUDIT COMMITTEE TO OVERSEE THE PERFORMANCE OF AGREED UPON PROCEDURES WITH REGARD TO CREDIT UNION FINANCIAL INFORMATION.
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IRS990/TotalRevenuePriorYear03000212
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02706587
IRS990/TotalRevenue/TotalRevenueColumn02774667
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/Travel/Total026783
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.IDADIV.COM
IRS990/WhistleblowerPolicy01
IRS990/YearFormation01948
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0820202653
ReturnHeader/Filer/Name/BusinessNameLine10IDADIV CREDIT UNION
ReturnHeader/Filer/NameControl0IDAD
ReturnHeader/Filer/Phone02084676583
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 500
ReturnHeader/Filer/USAddress/City0NAMPA
ReturnHeader/Filer/USAddress/State0ID
ReturnHeader/Filer/USAddress/ZIPCode083653
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-08-22
ReturnHeader/Officer/Name0WENDY EDWARDS
ReturnHeader/Officer/Phone02084676583
ReturnHeader/Officer/Title0CEO
ReturnHeader/Preparer/DatePrepared02013-08-22
ReturnHeader/PreparerFirm/EIN0450250958
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10EIDE BAILLY LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10877 W MAIN ST STE 800
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0BOISE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0ID
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode083702
ReturnHeader/Preparer/Name0LEANN M SANNES
ReturnHeader/Preparer/Phone02083447150
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-08-27T16:38:47-05:00

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$44,524,815
Liabilities
$40,403,060
Net assets
$4,121,755
Revenue
-
Expenses
$2,100,103
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$204$187$17.7$16.0$13.8$2.16
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$194$179$15.7$13.3$11.1$2.29
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$169$156$13.2$10.3$8.16$2.19
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$164$152$11.4$9.67$6.39$3.27
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$120$112$8.16$7.04$6.31$0.73
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$87.0$79.6$7.43$6.69$5.73$0.96
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$77.9$71.4$6.47$6.07$5.00$1.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.3$65.9$5.39$5.60$4.93$0.67
2016Detailed filing. Detailed filing data is available for this year.$68.6$63.9$4.72$5.58$6.16$0.57
2015Detailed filing. Detailed filing data is available for this year.$65.5$60.2$5.30$5.33$5.08$0.26
2014Detailed filing. Detailed filing data is available for this year.$61.2$56.2$5.04$3.96$3.94$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.5$40.4$4.12$2.10
2011XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.9$38.5$3.45$3.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.6$40.6$3.91$3.88