Civic Intelligence

Lewis Clark Credit Union

990 • Fiscal year 2014 • EIN 82-0215955

Jan 01, 2014 to Dec 31, 2014 • Filed on Aug 12, 2015

Organization Profilewww.lewisclarkcu.org

View Organization Page

1626 17th StLewiston, ID 83501-4046

(208) 746-7233

Siviq Scores

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

Liabilities / Assets

1st percentile

0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

1st percentile

0.04x

Higher debt load relative to revenue than 1% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

77th percentile

17%

Higher net margin than 77% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

24th percentile

$105,096

Higher top officer pay than 24% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

92nd percentile

11%

Faster asset growth than 92% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

84th percentile

6.9%

Faster revenue growth than 84% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$51,624,292

Up $4,979,310 (+11%) from 2013

Net Assets

Up

$51,475,122

Up $4,959,527 (+11%) from 2013

Liabilities

Up

$149,170

Up $19,783 (+15%) from 2013

Revenue And Expenses
Liabilities / Revenue1st percentileNet Margin77th percentile

Revenue

Up

$3,350,896

Up $217,456 (+6.9%) from 2013

Expenses

Down

$2,781,370

Down $172,393 (-5.8%) from 2013

Net Income

Up

$569,526

Up $389,849 (+217%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth92nd percentile

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

$300M$200M$100M$0Assets 2010: $49,105,112Liabilities 2010: $184,975Net Assets 2010: $48,920,1372010Assets 2011: $46,665,308Liabilities 2011: $121,938Net Assets 2011: $46,543,3702011Assets 2012: $47,020,008Liabilities 2012: $117,084Net Assets 2012: $46,902,9242012Assets 2013: $46,644,982Liabilities 2013: $129,387Net Assets 2013: $46,515,5952013Assets 2014: $51,624,292Liabilities 2014: $149,170Net Assets 2014: $51,475,1222014Assets 2015: $57,110,785Liabilities 2015: $156,869Net Assets 2015: $56,953,9162015Assets 2016: $91,961,335Liabilities 2016: $566,914Net Assets 2016: $91,394,4212016Assets 2017: $98,451,474Liabilities 2017: $187,834Net Assets 2017: $98,263,6402017Assets 2018: $109,897,147Liabilities 2018: $100,693,377Net Assets 2018: $9,203,7702018Assets 2019: $127,504,319Liabilities 2019: $117,325,208Net Assets 2019: $10,179,1112019Assets 2020: $158,442,360Liabilities 2020: $145,919,678Net Assets 2020: $12,522,6822020Assets 2021: $194,671,372Liabilities 2021: $177,452,507Net Assets 2021: $17,218,8652021Assets 2022: $214,796,100Liabilities 2022: $195,813,882Net Assets 2022: $18,982,2182022Assets 2023: $240,536,303Liabilities 2023: $218,985,338Net Assets 2023: $21,550,9652023Assets 2024: $249,581,624Liabilities 2024: $225,473,862Net Assets 2024: $24,107,7622024

Highlighted filing

2014

Assets$51,624,292
Liabilities$149,170
Net Assets$51,475,122
Open 2014 Filing

Operations Trend

Revenue Growth84th percentile

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

$20M$15M$10M$5.0M$0Expenses 2010: $3,111,4702010Expenses 2011: $3,003,8382011Expenses 2012: $2,880,8402012Revenue 2013: $3,133,440Expenses 2013: $2,953,763Net Income 2013: $179,6772013Revenue 2014: $3,350,896Expenses 2014: $2,781,370Net Income 2014: $569,5262014Revenue 2015: $3,634,379Expenses 2015: $3,237,216Net Income 2015: $397,1632015Revenue 2016: $5,016,060Expenses 2016: $4,831,849Net Income 2016: $184,2112016Revenue 2017: $5,763,589Expenses 2017: $5,242,130Net Income 2017: $521,4592017Revenue 2018: $6,898,768Expenses 2018: $5,856,165Net Income 2018: $1,042,6032018Revenue 2019: $8,154,663Expenses 2019: $6,761,699Net Income 2019: $1,392,9642019Revenue 2020: $9,635,253Expenses 2020: $7,407,819Net Income 2020: $2,227,4342020Revenue 2021: $12,854,570Expenses 2021: $8,661,632Net Income 2021: $4,192,9382021Revenue 2022: $12,473,369Expenses 2022: $10,523,506Net Income 2022: $1,949,8632022Revenue 2023: $15,089,420Expenses 2023: $13,178,824Net Income 2023: $1,910,5962023Revenue 2024: $17,597,559Expenses 2024: $15,587,977Net Income 2024: $2,009,5822024

Highlighted filing

2014

Revenue$3,350,896
Expenses$2,781,370
Net Income$569,526
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Aug 12, 2015
Return Version
2014v5.0
Gross Receipts
$3,350,896
Mission and Program Overview

Mission

To be our members favorite financial institution, to build long term member relationships, to exercise sound and ethical business practices, to help our members achieve fiancial success.

STATE CHARTER CREDIT UNION Mutual Membership Benefit Programs General/Other Promoting the financial well being of 7,907 members by providing loan and savings at competitive rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$41,691,229$46,155,794▲ $4,464,565
Other Notes and Loans Receivable, Net$39,016,631$42,900,172▲ $3,883,541
Rtn Earn Endowment Incm Other Fnds$4,824,366$5,319,328▲ $494,962
Savings and Temporary Cash Investments$3,841,315$5,233,134▲ $1,391,819
Land, Buildings, and Equipment, Net$1,366,552$1,334,154▼ $32,398
Cash and Non-Interest-Bearing Accounts$1,045,209$936,017▼ $109,192
Prepaid Expenses and Deferred Charges$751,911$622,999▼ $128,912
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$46,644,982$51,624,292▲ $4,979,310
Other Assets Total$623,364$597,816▼ $25,548
Liabilities
Accounts Payable and Accrued Expenses$129,387$149,170▲ $19,783
Total Liabilities$129,387$149,170▲ $19,783
Net Assets / Fund Balance
Total Net Assets Fund Balance$46,515,595$51,475,122▲ $4,959,527
Total Liabilities and Net Assets / Fund Balance$46,644,982$51,624,292▲ $4,979,310

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$939,889$607,292$1,547,181
Equipment$63,492$516,021$579,513
Land$330,773-$330,773
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay24th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Valerie GuentherExec Director/CEOFT$105,096$105,096

Board Members and Trustees

NameTitle
Sherry KummChairman
Adam StallcopDirector
Jim JenkinsDirector
Katy MillerDirector
Mark LairdDirector
Mike McAllisterDirector
Mike MoehrleDirector
Roberta SamuelsDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,330,796
Investment Income
$20,100
Other Revenue
$0
Change in Net Assets
$569,526
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,546,365
Salaries, Compensation, and Employee Benefits$1,235,005
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$811,996
Office Expenses---$584,578
Fees for Services Other---$223,034
Interest---$201,859
Other Employee Benefits---$169,315
Advertising---$156,398
All Other Expenses---$116,494
Current Officers, Directors, Trustees, and Key Employees---$105,096
Payroll Taxes---$81,387
Pension Plan Contributions---$67,211
Occupancy---$62,761
Depreciation Depletion---$61,795
Travel---$34,193
Payments to Affiliates---$23,556
Fees for Services Legal---$18,166
Fees for Services Accounting---$12,000
Other Expenses---$8,730
Insurance---$7,018
Information Technology---$6,553
Total Functional Expenses$0$0$0$2,781,370
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The Credit Union is a member owned financial cooperative.”

Form 990, Part VI, Section A, Line 7A

“The Credit Union is a member owned financial cooperative. One member, one vote.”

Form 990, Part VI, Section B, Line 11B

“Provided to the Board of directors at the monthly meeting.”

Form 990, Part VI, Section B, Line 12C

“Annually, the Directors are required to review the current conflict of interest policy and sign the acknowledgement.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors sets the CEO's salary via information complied through an independent provider of such information. The staff wages are set by CEO via Compease - an outside compensation software.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflicts of interest policy are available upon request.”

Filing and Contact Details

Filer

Filer Name
Lewis Clark Credit Union
EIN
82-0215955
Phone
2087467233
Address
1626 17th St, Lewiston, ID 83501-4046

Signing Officer

Name
Mary Light
Title
VP
Phone
2087467233
Signed
2015-08-12

Organization Details

Principal Officer
Mary Light
Formed
1939
Legal Domicile
Id
Voting Board Members
8
Independent Board Members
8
Employees
28
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Current Funds increased $4,390,002 and other Comp increased $74,564”

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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IRS990/PYInvestmentIncomeAmt031592
IRS990/PYOtherExpensesAmt01765620
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03101848
IRS990/PYRevenuesLessExpensesAmt0179677
IRS990/PYSalariesCompEmpBnftPaidAmt01188143
IRS990/PYTotalExpensesAmt02953763
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03133440
IRS990/ReconcilationRevenueExpnssAmt0569526
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04824366
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05319328
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03841315
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05233134
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0939889
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0607292
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01547181
IRS990ScheduleD/EquipmentGrp/BookValueAmt063492
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0516021
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0579513
IRS990ScheduleD/LandGrp/BookValueAmt0330773
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0330773
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01334154
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union is a member owned financial cooperative.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Credit Union is a member owned financial cooperative. One member, one vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Provided to the Board of directors at the monthly meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Annually, the Directors are required to review the current conflict of interest policy and sign the acknowledgement.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board of Directors sets the CEO's salary via information complied through an independent provider of such information. The staff wages are set by CEO via Compease - an outside compensation software.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Governing documents, conflicts of interest policy are available upon request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Current Funds increased $4,390,002 and other Comp increased $74,564
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0ID
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt046644982
IRS990/TotalAssetsEOYAmt051624292
IRS990/TotalAssetsGrp/BOYAmt046644982
IRS990/TotalAssetsGrp/EOYAmt051624292
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt028
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02781370
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0129387
IRS990/TotalLiabilitiesEOYAmt0149170
IRS990/TotalLiabilitiesGrp/BOYAmt0129387
IRS990/TotalLiabilitiesGrp/EOYAmt0149170
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt046515595
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt051475122
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt02781369
IRS990/TotalProgramServiceRevenueAmt03330796
IRS990/TotalReportableCompFromOrgAmt0105096
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03350896
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03350896
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt046644982
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt051624292
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt034193
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01626 17th St
IRS990/USAddress/CityNm0Lewiston
IRS990/USAddress/StateAbbreviationCd0ID
IRS990/USAddress/ZIPCd083501
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0www.lewisclarkcu.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Mary Light
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0VP
ReturnHeader/BusinessOfficerGrp/PhoneNum02087467233
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-08-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LEWIS CLARK CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LEWI
ReturnHeader/Filer/EIN0820215955
ReturnHeader/Filer/PhoneNum02087467233
ReturnHeader/Filer/USAddress/AddressLine1Txt01626 17th St
ReturnHeader/Filer/USAddress/CityNm0Lewiston
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ID
ReturnHeader/Filer/USAddress/ZIPCd0835014046
ReturnHeader/ReturnTs02015-08-11T15:35:34-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$51,624,292
Liabilities
$149,170
Net assets
$51,475,122
Revenue
$3,350,896
Expenses
$2,781,370
Net income
$569,526
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$250$225$24.1$17.6$15.6$2.01
2023Detailed filing. Detailed filing data is available for this year.$241$219$21.6$15.1$13.2$1.91
2022Detailed filing. Detailed filing data is available for this year.$215$196$19.0$12.5$10.5$1.95
2021Detailed filing. Detailed filing data is available for this year.$195$177$17.2$12.9$8.66$4.19
2020Detailed filing. Detailed filing data is available for this year.$158$146$12.5$9.64$7.41$2.23
2019Detailed filing. Detailed filing data is available for this year.$128$117$10.2$8.15$6.76$1.39
2018Detailed filing. Detailed filing data is available for this year.$110$101$9.20$6.90$5.86$1.04
2017Detailed filing. Detailed filing data is available for this year.$98.5$0.19$98.3$5.76$5.24$0.52
2016Detailed filing. Detailed filing data is available for this year.$92.0$0.57$91.4$5.02$4.83$0.18
2015Detailed filing. Detailed filing data is available for this year.$57.1$0.16$57.0$3.63$3.24$0.40
2014Detailed filing. Detailed filing data is available for this year.$51.6$0.15$51.5$3.35$2.78$0.57
2013Detailed filing. Detailed filing data is available for this year.$46.6$0.13$46.5$3.13$2.95$0.18
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$47.0$0.12$46.9$2.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.7$0.12$46.5$3.00
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.1$0.18$48.9$3.11