Civic Intelligence

Icon Credit Union

990 • Fiscal year 2016 • EIN 82-0209467

Jan 01, 2016 to Dec 31, 2016 • Filed on Aug 23, 2017

Organization Profilewww.iconcreditunion.org

View Organization Page

7615 W Riverside DrBoise, ID 83714

(208) 344-7948

Siviq Scores

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

Liabilities / Assets

29th percentile

0.88x

Higher debt load relative to assets than 29% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Liabilities / Revenue

28th percentile

16.10x

Higher debt load relative to revenue than 28% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Net Margin

27th percentile

8.9%

Higher net margin than 27% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Top Officer Pay

96th percentile

$1,085,886

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 7.4% of source-year revenue.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2016

Asset Growth

52nd percentile

6.3%

Faster asset growth than 52% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Revenue Growth

18th percentile

2.7%

Faster revenue growth than 18% of similar nonprofits.

2016 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$269,238,980

Up $15,959,107 (+6.3%) from 2015

Net Assets

Up

$33,247,561

Up $1,050,161 (+3.3%) from 2015

Liabilities

Up

$235,991,419

Up $14,908,946 (+6.7%) from 2015

Revenue And Expenses
Liabilities / Revenue28th percentileNet Margin27th percentile

Revenue

Up

$14,654,189

Up $381,712 (+2.7%) from 2015

Expenses

Up

$13,355,343

Up $817,849 (+6.5%) from 2015

Net Income

Down

$1,298,846

Down $436,137 (-25%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth52nd percentile

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

$400M$300M$200M$100M$0Assets 2010: $137,032,143Liabilities 2010: $121,977,654Net Assets 2010: $15,054,4892010Assets 2011: $143,784,383Liabilities 2011: $127,238,491Net Assets 2011: $16,545,8912011Assets 2012: $164,121,955Liabilities 2012: $145,551,315Net Assets 2012: $18,570,6402012Assets 2013: $163,399,125Liabilities 2013: $142,686,924Net Assets 2013: $20,712,2012013Assets 2014: $227,353,746Liabilities 2014: $196,542,496Net Assets 2014: $30,811,2502014Assets 2015: $253,279,873Liabilities 2015: $221,082,473Net Assets 2015: $32,197,4002015Assets 2016: $269,238,980Liabilities 2016: $235,991,419Net Assets 2016: $33,247,5612016Assets 2017: $278,088,409Liabilities 2017: $242,879,192Net Assets 2017: $35,209,2172017Assets 2018: $292,779,298Liabilities 2018: $255,548,256Net Assets 2018: $37,231,0422018Assets 2019: $342,084,186Liabilities 2019: $301,101,464Net Assets 2019: $40,982,7222019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2016

Assets$269,238,980
Liabilities$235,991,419
Net Assets$33,247,561
Open 2016 Filing

Operations Trend

Revenue Growth18th percentile

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

$40M$30M$20M$10M$0Expenses 2010: $7,546,0942010Expenses 2011: $32,488,4022011Expenses 2012: $9,332,4032012Revenue 2013: $12,188,447Expenses 2013: $9,911,969Net Income 2013: $2,276,4782013Revenue 2014: $13,674,342Expenses 2014: $11,119,122Net Income 2014: $2,555,2202014Revenue 2015: $14,272,477Expenses 2015: $12,537,494Net Income 2015: $1,734,9832015Revenue 2016: $14,654,189Expenses 2016: $13,355,343Net Income 2016: $1,298,8462016Revenue 2017: $14,335,199Expenses 2017: $12,471,984Net Income 2017: $1,863,2152017Revenue 2018: $15,427,831Expenses 2018: $13,406,006Net Income 2018: $2,021,8252018Revenue 2019: $18,713,785Expenses 2019: $15,360,116Net Income 2019: $3,353,6692019Revenue 2020: $12,093,387Expenses 2020: $10,891,055Net Income 2020: $1,202,3322020

Highlighted filing

2016

Revenue$14,654,189
Expenses$13,355,343
Net Income$1,298,846
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Aug 23, 2017
Return Version
2016v3.0
Gross Receipts
$14,654,189
Mission and Program Overview

Mission

Promoting the financial well-being of 24,000 members by providing loan and savings services at competitive rates.

Promoting the financial wellbeing of 24000 members by providing loan and savings services at competetive rates

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$207,273,713$218,351,225▲ $11,077,512
Rtn Earn Endowment Incm Other Fnds$32,197,400$33,247,561▲ $1,050,161
Investments Program Related$26,403,450$30,667,717▲ $4,264,267
Land, Buildings, and Equipment, Net$7,398,649$7,772,642▲ $373,993
Prepaid Expenses and Deferred Charges$2,849,489$2,773,514▼ $75,975
Accounts Receivable$302,482$641,161▲ $338,679
Cash and Non-Interest-Bearing Accounts$474,467$418,662▼ $55,805
Total Assets$253,279,873$269,238,980▲ $15,959,107
Other Assets Total$8,577,623$8,614,059▲ $36,436
Liabilities
Other Liabilities$218,898,583$234,495,656▲ $15,597,073
Accounts Payable and Accrued Expenses$2,183,890$1,495,763▼ $688,127
Total Liabilities$221,082,473$235,991,419▲ $14,908,946
Net Assets / Fund Balance
Total Net Assets Fund Balance$32,197,400$33,247,561▲ $1,050,161
Total Liabilities and Net Assets / Fund Balance$253,279,873$269,238,980▲ $15,959,107

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,851,752$2,946,473$7,798,225
Land$2,589,472-$2,589,472
Equipment$324,075$1,906,698$2,230,773
Leasehold Improvements$7,343$40,151$47,494
Investment Program Related Org$650,000--
Other Assets Org$1,102,892--
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Patricia MarlerChairFT$288,174$986,558$1,274,732
Rich JacksonTreasurerFT$20,961$66,611$185,277
Will WardwellSecretaryMem OfficerFT$93,758$62$160,369
Glenda FullerVice ChairFT$109,518$164,316$109,518
Ben ZamzowMembership OfficerFT$105,046-$105,108

Board Members and Trustees

NameTitle
Connie MillerPresidentCEO
Ben WrightCFO
Robert KingCIO
Joca VelozMember
Terrance PoternosterMember
Mike MunsonMortgage Loan Officer
Dee CarterMortgage Sales Manager
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,031,497
Investment Income
$622,692
Other Revenue
$0
Change in Net Assets
$1,298,846
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,166,430
Salaries, Compensation, and Employee Benefits$5,185,978
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,792,201
Current Officers, Directors, Trustees, and Key Employees---$1,586,407
Office Expenses---$1,520,748
Interest---$1,443,571
Occupancy---$394,545
Other Employee Benefits---$359,531
Payroll Taxes---$319,591
Fees for Services Other---$317,388
Advertising---$221,722
Depreciation Depletion---$207,643
Pension Plan Contributions---$128,248
Insurance---$46,291
Other Expenses---$44,278
Travel---$35,342
Fees for Services Legal---$29,824
Conferences and Meetings---$20,684
Fees for Services Accounting---$6,350
Benefits to Members---$2,935
All Other Expenses---$1,554
Total Functional Expenses$0$0$0$13,355,343
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$233,479,584
Unapplied DP Exceptions$598,964
Net Pension Liability$417,108
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Part VI Line 11B

“NA”

Part VI Line 19

“N/A”

Filing and Contact Details

Filer

Filer Name
Icon Credit Union
EIN
82-0209467
In Care Of
% Connie Miller
Phone
2083447948
Address
7615 W Riverside Dr, Boise, ID 83714

Signing Officer

Name
Connie Miller
Title
PresidentCEO
Phone
2083447948
Signed
2017-08-23

Organization Details

Principal Officer
Connie J Miller
Formed
1952
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
128
Volunteers
12
Supplemental Narrative

Additional Explanations

Part IX Line 11G

“Total expenses - $317388.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Part IX Line 24E

“Total expenses - $1554.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

VI Line 1A

“The governing body has delegated broad authority to the executive committee”

VI Line 6

“The credit union is comprised of members.”

VI Line 7A

“Each member has one vote.”

VI Line 10

“The credit union has 8 branches. All branches operate under the same”

VI Line 10

“written policies and procedures.”

VI Line 12

“The credit union has a written conflict of interest policy. It is provided”

VI Line 12

“to all employees and directors minimum annually. All employees are”

VI Line 12

“instructed to report conflicts of interest without fear of reprisal. Each”

VI Line 12

“report is investigated and corrective action is taken when necessary,”

VI Line 12

“including actions to protect against the conflict of interest such as”

VI Line 12

“removal from voting.”

VI Line 11

“The Board has granted full authority to the Personnel Committee to”

VI Line 11

“review and approve the full Form 990, including accompanying”

VI Line 11

“schedules, prior to filing.”

VI Line 15

“Refer to Schedule J Part III”

VI Line 19

“The documents required to be made available for public viewing are”

VI Line 19

“available at the credit union administrative office located at 7615 W”

VI Line 19

“Riverside Dr, Boise, ID 83714. These documents are available for viewing or”

VI Line 19

“copying during normal business hours.”

XI Line 9

“Our pension fund unrealized loss increased by $248,685 to $1,405,782.”

Raw XML AppendixShowing 400 of 508 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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IRS990/Form990PartVIISectionAGrp/TitleTxt8CFO
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IRS990/Form990PartVIISectionAGrp/TitleTxt10Mortgage Sales Manager
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt011937528
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt012212323
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0274795
IRS990/ProgSrvcAccomActy2Grp/Desc0Deposit Services: We provide a variety of different deposit services such as savings, checking, certificates of deposit, money market account, business accounts, and IRAs. We service 24,571 members with savings account needs. Our savings account balances are $233,479,584.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt04492409
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt01819174
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt04259
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0458512
IRS990/PYOtherExpensesAmt07213347
IRS990/PYProgramServiceRevenueAmt013813965
IRS990/PYRevenuesLessExpensesAmt01734983
IRS990/PYSalariesCompEmpBnftPaidAmt05319888
IRS990/PYTotalExpensesAmt012537494
IRS990/PYTotalRevenueAmt014272477
IRS990/ReconcilationRevenueExpnssAmt01298846
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RevenueAmt012212323
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt032197400
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt033247561
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt04851752
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02946473
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07798225
IRS990ScheduleD/DisclosedForCharitablePrpsInd0false
IRS990ScheduleD/DisclosedOrgLegCtrlInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt0324075
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01906698
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02230773
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0false
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt06230717
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt123287000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2500000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt3650000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Catalyst Corporate Credit Union
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Time Certificates
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2US Government Bonds
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3Municipal Bonds
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3C
IRS990ScheduleD/LandGrp/BookValueAmt02589472
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt02589472
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt07343
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt040151
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt047494
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0648292
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt11133257
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt23469903
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt32259715
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt41102892
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0Accrued interest on loans investments
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1Mortgage servicing rights
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2CUowned life insurance
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3NCUA share insurance cap fund
IRS990ScheduleD/OtherAssetsOrgGrp/Desc4All other assets
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0233479584
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1598964
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2417108
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Share Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Unapplied DP Exceptions
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Net Pension Liability
IRS990ScheduleD/Section170hRqrStsfdInd0false
IRS990ScheduleD/SolicitedAssetsSaleInd0false
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07772642
IRS990ScheduleD/TotalBookValueOtherAssetsAmt08614059
IRS990ScheduleD/TotalBookValueProgramRltdAmt030667717
IRS990ScheduleD/TotalLiabilityAmt0234495656
IRS990ScheduleD/WrittenPolicyMonitoringInd0false
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0288174
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1109518
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt220961
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt393758
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4105046
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount0163
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount1164316
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount266611
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount362
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt0711901
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0188846
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0797549
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PATRICIA MARLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1GLENDA FULLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2RICH JACKSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3WILL WARDWELL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm4BEN ZAMZOW
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm5TERRANCE POTERNOSTER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm6JOCA VELOZ
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm7CONNIE MILLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm8BEN WRIGHT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm9MIKE MUNSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm10DEE CARTER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm11ROBERT KING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Chair
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1Vice Chair
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2Treasurer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3SecretaryMem Officer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt4Membership Officer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt5Member
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt6Member
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt7PresidentCEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt8CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt9Mortgage Loan Officer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt10Mortgage Sales Manager
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt11CIO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt01274732
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1109518
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2185277
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3160369
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt4105108
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CEO compensation is calculated by using the industry CUNA Staff Salary
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1Report received annually. The factors used from the survey include average
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt2salaries reported by credit unions, broken down by several factors such as
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt3region, # employees, # services, loans outstanding, # members, # branches,
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt4etc. Other bank salary surveys are reviewed on occasion for information
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt5and comparative purposes only. The Personnel Committee is responsible for
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt6the review and approval of the CEO compensation, and work in conjunction
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt7with the Human Resources (HR) department. The CEO sets, with support of HR,
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt8the salary for all other employees of the Credit Union. Each employee
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt9receives an annual salary review.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc2Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc3Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc4Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc5Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc6Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc7Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc8Part I, Line 3
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc9Part I, Line 3
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NA
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Total expenses - $317388.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Total expenses - $1554.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The governing body has delegated broad authority to the executive committee
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The credit union is comprised of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Each member has one vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7The credit union has 8 branches. All branches operate under the same
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8written policies and procedures.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9The credit union has a written conflict of interest policy. It is provided
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10to all employees and directors minimum annually. All employees are
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11instructed to report conflicts of interest without fear of reprisal. Each
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12report is investigated and corrective action is taken when necessary,
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13including actions to protect against the conflict of interest such as

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$269,238,980
Liabilities
$235,991,419
Net assets
$33,247,561
Revenue
$14,654,189
Expenses
$13,355,343
Net income
$1,298,846
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$12.1$10.9$1.20
2019Detailed filing. Detailed filing data is available for this year.$342$301$41.0$18.7$15.4$3.35
2018Detailed filing. Detailed filing data is available for this year.$293$256$37.2$15.4$13.4$2.02
2017Detailed filing. Detailed filing data is available for this year.$278$243$35.2$14.3$12.5$1.86
2016Detailed filing. Detailed filing data is available for this year.$269$236$33.2$14.7$13.4$1.30
2015Detailed filing. Detailed filing data is available for this year.$253$221$32.2$14.3$12.5$1.73
2014Detailed filing. Detailed filing data is available for this year.$227$197$30.8$13.7$11.1$2.56
2013Detailed filing. Detailed filing data is available for this year.$163$143$20.7$12.2$9.91$2.28
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$164$146$18.6$9.33
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$144$127$16.5$32.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$137$122$15.1$7.55