Liabilities / Assets
86th percentile
Higher debt load relative to assets than 86% of similar nonprofits.
990 • Fiscal year 2018 • EIN 82-0215955
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
86th percentile
Higher debt load relative to assets than 86% of similar nonprofits.
Liabilities / Revenue
28th percentile
Higher debt load relative to revenue than 28% of similar nonprofits.
Net Margin
60th percentile
Higher net margin than 60% of similar nonprofits.
Top Officer Pay
47th percentile
Higher top officer pay than 47% of similar nonprofits.
Top officer pay equals 2.9% of source-year revenue.
Asset Growth
89th percentile
Faster asset growth than 89% of similar nonprofits.
Revenue Growth
92nd percentile
Faster revenue growth than 92% of similar nonprofits.
Assets
Up$109,897,147
Up $11,445,673 (+12%) from 2017
Net Assets
Down$9,203,770
Down $89,059,870 (-91%) from 2017
Liabilities
Up$100,693,377
Up $100,505,543 (+53508%) from 2017
Revenue
Up$6,898,768
Up $1,135,179 (+20%) from 2017
Expenses
Up$5,856,165
Up $614,035 (+12%) from 2017
Net Income
Up$1,042,603
Up $521,144 (+100%) from 2017
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.
To be our Member's favorite financial institution by helping them achieve financial success.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $73,917,164 | $87,389,104 | ▲ $13,471,940 |
| Savings and Temporary Cash Investments | $15,640,867 | $14,398,770 | ▼ $1,242,097 |
| Rtn Earn Endowment Incm Other Fnds | $8,180,098 | $9,203,770 | ▲ $1,023,672 |
| Land, Buildings, and Equipment, Net | $2,042,303 | $2,032,946 | ▼ $9,357 |
| Cash and Non-Interest-Bearing Accounts | $2,576,854 | $1,569,271 | ▼ $1,007,583 |
| Receivables From Officers Etc | - | $1,556,595 | - |
| Prepaid Expenses and Deferred Charges | $1,285,610 | $1,501,709 | ▲ $216,099 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $98,451,474 | $109,897,147 | ▲ $11,445,673 |
| Other Assets Total | $2,988,676 | $1,448,752 | ▼ $1,539,924 |
| Liabilities | |||
| Other Liabilities | $90,083,542 | $99,950,683 | ▲ $9,867,141 |
| Accounts Payable and Accrued Expenses | $187,834 | $742,694 | ▲ $554,860 |
| Total Liabilities | $90,271,376 | $100,693,377 | ▲ $10,422,001 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $8,180,098 | $9,203,770 | ▲ $1,023,672 |
| Total Liabilities and Net Assets / Fund Balance | $98,451,474 | $109,897,147 | ▲ $11,445,673 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $911,396 | $466,957 | $1,378,353 |
| Equipment | $283,001 | $508,282 | $791,283 |
| Other Land Buildings | $295,855 | $424,678 | $720,533 |
| Land | $542,694 | - | $542,694 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Trisha Baker | CEO | FT | $157,920 | $44,970 | $202,890 |
| Chad Smith | CFO | FT | $80,703 | $19,934 | $100,637 |
| Name | Title |
|---|---|
| Cheri Kumm | Board Chair |
| Katy Miller | Vice Chair |
| Mike Moehrle | Director |
| Rebecca Sarmiento | Director |
| Roberta Samuels | Director |
| Mitch Keller | Director (From Mid-Year) |
| Jim Jenkins | Director (Left Mid-Year) |
| Mike McCallister | Secretary/Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $3,853,176 |
| Salaries, Compensation, and Employee Benefits | $1,991,492 |
| Grants and Similar Amounts Paid | $11,497 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $1,230,100 |
| Office Expenses | - | - | - | $1,060,285 |
| Interest | - | - | - | $631,841 |
| Fees for Services Other | - | - | - | $577,370 |
| Advertising | - | - | - | $323,214 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $304,424 |
| Other Employee Benefits | - | - | - | $302,320 |
| Depreciation Depletion | - | - | - | $184,511 |
| All Other Expenses | - | - | - | $159,228 |
| Payroll Taxes | - | - | - | $111,247 |
| Occupancy | - | - | - | $108,490 |
| Travel | - | - | - | $102,910 |
| Information Technology | - | - | - | $49,120 |
| Fees for Services Legal | - | - | - | $46,260 |
| Insurance | - | - | - | $43,407 |
| Pension Plan Contributions | - | - | - | $43,401 |
| Fees for Services Accounting | - | - | - | $9,000 |
| Grants to Domestic Orgs | - | - | - | $8,997 |
| Conferences and Meetings | - | - | - | $6,273 |
| Grants to Domestic Individuals | - | - | - | $2,500 |
| Other Expenses | - | - | - | $727 |
| Total Functional Expenses | $0 | $0 | $0 | $5,856,165 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Beginning | End | Change |
|---|---|---|---|
| Receivables from Officers, Directors, Trustees, and Key Employees | - | $1,556,595 | - |
| Liability | Amount |
|---|---|
| Shares of Members | $99,950,683 |
“The bylaws were amended to include the entire state of Washington in the Credit Union's field of membership. Previously, the bylaws only included two Washington counties.”
“The Credit Union is a member owned financial institution. There is one class of members having equal votes.”
“The membership elects the Board of Directors during the Credit Union's annual meeting.”
“There are no committees with authority to act on behalf of the governing body.”
“A copy of the Form 990 is provided to the full Board of Directors prior to filing.”
“Annually, the Directors are required to review the current conflict of interest policy. The Board of Directors for LCCU, officers and staff are covered by the code of ethics policy. A conflict is determined by the immediate supervisor for all staff and the Board of Directors for the board. Management reviews conflicts of interest for staff, the Board of Directors reviews conflicts of interest for LCCU senior management, and supervisory committee reviews if there is a conflict of interest for the Board of Directors. If a conflict exists management will deal with the issue as confidentially as possible to resolve the conflict and the supervisory committee will do the same for the Board of Directors. If a conflict exists in a voting position, the board member must abstain from voting at the board meeting.”
“The Board of Directors set the CEO salary using comparability information compiled through Compease. Compensation was last reviewed in January of 2018. The staff and other officer wages are set by the CEO based on merit and market demands.”
“Governing Documents and Conflict of Interest Policy are available upon request.”
“Unrealized loss on Pension Plan -18,931.”
“The 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 a supervisory committee to oversee the performance of agreed upon procedures with regard to credit union financial information.”
“Beginning of year net assets have been restated to reflect the actual balance of $8,180,098. Shares of Members totaling $90,083,542 in 2017 have instead been reported as other liabilities on Form 990, Part X, Line 25, Column A.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 187834 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 742694 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | To be our Member's favorite financial institution by helping them achieve financial success. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 323214 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 159228 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Chad Smith |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2087467233 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1626 17th Street |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Lewiston |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | ID |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 83501 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 2576854 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1569271 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 1 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 304424 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 6273 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 11497 |
| IRS990/CYInvestmentIncomeAmt | 0 | 229649 |
| IRS990/CYOtherExpensesAmt | 0 | 3853176 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 6669119 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 1042603 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 1991492 |
| IRS990/CYTotalExpensesAmt | 0 | 5856165 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 6898768 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 184511 |
| IRS990/Desc | 0 | Lewis Clark Credit Union is a non-profit financial institution located in North Idaho providing financial services including: savings accounts, checking accounts, money market accounts, certificates of deposit, and affordable credit loans to its members. LCCU serves 13,934 members in North Idaho and Eastern Washington. LCCU is a CDFI certified institution focused on making affordable credit loans to the underserved low income tracts in the communities it serves. Besides financials services, LCCU has awarded teacher grants, scholarships, and sponsorships to help better the future of its members and the communities it serves. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 42 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 9000 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 46260 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 577370 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 44970 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 19934 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Cheri Kumm |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Katy Miller |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Mike McCallister |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Roberta Samuels |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Mitch Keller |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Mike Moehrle |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Rebecca Sarmiento |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Jim Jenkins |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | Trisha Baker |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | Chad Smith |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 157920 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 80703 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | Board Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chair |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Secretary/Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Director (From Mid-Year) |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Director |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | Director (Left Mid-Year) |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | CFO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1939 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToDomesticIndividualsGrp/TotalAmt | 0 | 2500 |
| IRS990/GrantsToDomesticOrgsGrp/TotalAmt | 0 | 8997 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 6898768 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 49120 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 43407 |
| IRS990/InterestGrp/TotalAmt | 0 | 631841 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 229649 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 229649 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 2255 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 1399917 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 2042303 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 2032946 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 3432863 |
| IRS990/LegalDomicileStateCd | 0 | ID |
| IRS990/LoanOutstandingInd | 0 | 1 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 0 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | To be our Member's favorite financial institution, to build long term member relationships, to exercise sound and ethical business practices, to help our members achieve financial success. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 8180098 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 9203770 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 412 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 108490 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 1060285 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 2988676 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 1448752 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | -18931 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 302320 |
| IRS990/OtherExpensesGrp/Desc | 0 | Provision for Loan Loss |
| IRS990/OtherExpensesGrp/Desc | 1 | Association Dues |
| IRS990/OtherExpensesGrp/Desc | 2 | Early Withdrawal Penalt |
| IRS990/OtherExpensesGrp/Desc | 3 | Cash Over/Short |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 513525 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 28413 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 8602 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 727 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 90083542 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 99950683 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 1230100 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 73917164 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 87389104 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 111247 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 43401 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 1285610 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 1501709 |
| IRS990/PrincipalOfficerNm | 0 | Chad Smith |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 3 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Member Loan Interest I |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Other Account Fees and |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | Program Fees |
| IRS990/ProgramServiceRevenueGrp/Desc | 3 | Investement in CU Prod |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 4489139 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 1292446 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 881758 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 4489139 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 1298200 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 881758 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 3 | 22 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 5754 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 1 | 22 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 206623 |
| IRS990/PYOtherExpensesAmt | 0 | 3295511 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 5556966 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 521459 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 1946619 |
| IRS990/PYTotalExpensesAmt | 0 | 5242130 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 5763589 |
| IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt | 0 | 1556595 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 1042603 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 8180098 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 9203770 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 15640867 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 14398770 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 911396 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 466957 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1378353 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 283001 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 508282 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 791283 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 542694 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 542694 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 295855 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 424678 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 720533 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 99950683 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Shares of Members |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 2032946 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 99950683 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompensationSurveyInd | 0 | X |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 157920 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 25628 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 19342 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | Trisha Baker |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt | 0 | CEO |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt | 0 | 202890 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/SeverancePaymentInd | 0 | 0 |
| IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt | 0 | The Organization deposited funds into a life insurance policy on the participants life. During life, and subject to the policy generating sufficient values, the participant can borrow from the policy. At death, the organization recovers its premiums plus additional key-person insurance proceeds. There were no related amounts included as compensation for Trisha Baker during 2018. |
| IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part I, Line 4b |
| IRS990ScheduleJ/SupplementalNonqualRtrPlanInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt | 0 | 1556595 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd | 0 | 1 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd | 0 | 0 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd | 0 | X |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt | 0 | Fund Purchase Split Dollar Life Insurance |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt | 0 | 1550000 |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm | 0 | Trisha Baker |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt | 0 | CEO |
| IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd | 0 | 1 |
| IRS990ScheduleL/SupplementalInformationDetail/ExplanationTxt | 0 | The Exempt Organization (EO) provides supplemental retirement benefits through an arrangement the IRS refers to as "Collateral Assignment Split Dollar" (CASD). Although the IRS requires reporting in Part II, above, for loans to interested persons, CASD is not an actual loan. There is neither a transfer of funds to the participant nor an obligation for the participant to pay those funds back. Instead, the EO recovers its outlays plus interest from the underlying policy. The recovery right is a key advantage of CASD. With traditional deferred compensation, the EO pays the benefit from corporate assets, never to recover those dollars. With CASD, the EO recovers not only its outlays but also interest that takes into account the time value of money. In CASD, the EO deposits dollars directly into a life insurance policy, with the EO Holding a lien on the policy to ensure repayment. At specified times and subject to vesting requirements, the participant may borrow from the cash value of the policy to supplement retirement income (provided there are sufficient policy values). Borrowing is carefully monitored and limited to assure that the policy will remain in effect until the participants death and will pay a death benefit at least sufficient to repay the EO's outlays plus interest. Any remaining death proceeds are divided between the EO and the Executive Beneficiary as agreed upon by the parties. |
| IRS990ScheduleL/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Schedule L, Part II |
| IRS990ScheduleL/TotalBalanceDueAmt | 0 | 1556595 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The bylaws were amended to include the entire state of Washington in the Credit Union's field of membership. Previously, the bylaws only included two Washington counties. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The Credit Union is a member owned financial institution. There is one class of members having equal votes. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The membership elects the Board of Directors during the Credit Union's annual meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | There are no committees with authority to act on behalf of the governing body. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | A copy of the Form 990 is provided to the full Board of Directors prior to filing. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Annually, the Directors are required to review the current conflict of interest policy. The Board of Directors for LCCU, officers and staff are covered by the code of ethics policy. A conflict is determined by the immediate supervisor for all staff and the Board of Directors for the board. Management reviews conflicts of interest for staff, the Board of Directors reviews conflicts of interest for LCCU senior management, and supervisory committee reviews if there is a conflict of interest for the Board of Directors. If a conflict exists management will deal with the issue as confidentially as possible to resolve the conflict and the supervisory committee will do the same for the Board of Directors. If a conflict exists in a voting position, the board member must abstain from voting at the board meeting. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | The Board of Directors set the CEO salary using comparability information compiled through Compease. Compensation was last reviewed in January of 2018. The staff and other officer wages are set by the CEO based on merit and market demands. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | Governing Documents and Conflict of Interest Policy are available upon request. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | Unrealized loss on Pension Plan -18,931. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | The 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 a supervisory committee to oversee the performance of agreed upon procedures with regard to credit union financial information. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | Beginning of year net assets have been restated to reflect the actual balance of $8,180,098. Shares of Members totaling $90,083,542 in 2017 have instead been reported as other liabilities on Form 990, Part X, Line 25, Column A. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990, Part VI, Section A, line 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990, Part VI, Section A, line 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990, Part VI, Section A, line 7a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990, Part VI, Section A, line 8b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990, Part VI, Section B, line 11b |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990, Part VI, Section B, line 12c |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990, Part VI, Section B, line 15a |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990, Part VI, Section C, line 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990, Part XI, line 9: |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990, Part XII, Line 2: |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Form 990, Part XI, Line 4 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 98451474 |
| IRS990/TotalAssetsEOYAmt | 0 | 109897147 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 98451474 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 109897147 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 1 |
| IRS990/TotalEmployeeCnt | 0 | 42 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 5856165 |
| IRS990/TotalGrossUBIAmt | 0 | 5776 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 90271376 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 100693377 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 90271376 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 100693377 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 8180098 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 9203770 |
| IRS990/TotalOtherCompensationAmt | 0 | 64904 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 6669119 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 238623 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 229649 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 6663343 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 6898768 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 5776 |
| IRS990/TotalVolunteersCnt | 0 | 8 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 98451474 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 109897147 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 102910 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 1626 17th Street |
| IRS990/USAddress/CityNm | 0 | Lewiston |
| IRS990/USAddress/StateAbbreviationCd | 0 | ID |
| IRS990/USAddress/ZIPCd | 0 | 83501 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | www.lewisclarkcu.org |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2020-03-31 21:24:44Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Chad Smith |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CFO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2087467233 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2019-10-24 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Lewis Clark Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | LEWI |
| ReturnHeader/Filer/EIN | 0 | 820215955 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.