Civic Intelligence

Idaho Central Credit Union

990 • Fiscal year 2015 • EIN 82-0217065

Jan 01, 2015 to Dec 31, 2015 • Filed on May 13, 2016

Organization Profilewww.iccu.com

View Organization Page

PO Box 2469Pocatello, ID 83206

(208) 478-3300

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.11x

Higher debt load relative to assets than 3% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

3rd percentile

2.36x

Higher debt load relative to revenue than 3% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

93rd percentile

32%

Higher net margin than 93% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

66th percentile

$996,583

Higher top officer pay than 66% of similar nonprofits.

Top officer pay equals 0.9% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

98th percentile

30%

Faster asset growth than 98% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

99th percentile

35%

Faster revenue growth than 99% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$2,418,391,383

Up $906,855,992 (+60%) from 2013

Net Assets

Up

$2,141,854,876

Up $661,603,233 (+45%) from 2013

Liabilities

Up

$276,536,507

Up $245,252,759 (+784%) from 2013

Revenue And Expenses
Liabilities / Revenue3rd percentileNet Margin93rd percentile

Revenue

Up

$116,957,009

Up $38,833,905 (+50%) from 2013

Expenses

Up

$79,187,881

Up $24,013,493 (+44%) from 2013

Net Income

Up

$37,769,128

Up $14,820,412 (+65%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth98th percentile

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

$15B$10B$5.0B$0Assets 2010: $865,515,313Liabilities 2010: $11,410,996Net Assets 2010: $854,104,3172010Assets 2011: $1,011,052,324Liabilities 2011: $14,175,635Net Assets 2011: $996,876,6892011Assets 2012: $1,255,000,100Liabilities 2012: $40,595,385Net Assets 2012: $1,214,404,7152012Assets 2013: $1,511,535,391Liabilities 2013: $31,283,748Net Assets 2013: $1,480,251,6432013Assets 2015: $2,418,391,383Liabilities 2015: $276,536,507Net Assets 2015: $2,141,854,8762015Assets 2016: $2,810,896,842Liabilities 2016: $90,879,308Net Assets 2016: $2,720,017,5342016Assets 2017: $3,538,145,826Liabilities 2017: $344,826,876Net Assets 2017: $3,193,318,9502017Assets 2018: $4,315,062,932Liabilities 2018: $519,998,836Net Assets 2018: $3,795,064,0962018Assets 2019: $5,070,731,874Liabilities 2019: $436,503,327Net Assets 2019: $4,634,228,5472019Assets 2020: $6,745,371,782Liabilities 2020: $456,049,452Net Assets 2020: $6,289,322,3302020Assets 2021: $8,340,323,557Liabilities 2021: $311,009,866Net Assets 2021: $8,029,313,6912021Assets 2024: $12,120,188,554Liabilities 2024: $686,011,716Net Assets 2024: $11,434,176,8382024

Highlighted filing

2015

Assets$2,418,391,383
Liabilities$276,536,507
Net Assets$2,141,854,876
Open 2015 Filing

Operations Trend

Revenue Growth99th percentile

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

$800M$600M$400M$200M$0Expenses 2010: $44,545,7112010Expenses 2011: $43,393,5782011Expenses 2012: $44,036,6202012Revenue 2013: $78,123,104Expenses 2013: $55,174,388Net Income 2013: $22,948,7162013Revenue 2015: $116,957,009Expenses 2015: $79,187,881Net Income 2015: $37,769,1282015Revenue 2016: $153,783,542Expenses 2016: $102,755,117Net Income 2016: $51,028,4252016Revenue 2017: $181,730,327Expenses 2017: $130,368,416Net Income 2017: $51,361,9112017Revenue 2018: $239,640,239Expenses 2018: $169,366,670Net Income 2018: $70,273,5692018Revenue 2019: $296,266,028Expenses 2019: $224,104,094Net Income 2019: $72,161,9342019Revenue 2020: $371,110,508Expenses 2020: $255,476,674Net Income 2020: $115,633,8342020Revenue 2021: $370,077,928Expenses 2021: $269,329,168Net Income 2021: $100,748,7602021Revenue 2024: $739,145,782Expenses 2024: $625,806,705Net Income 2024: $113,339,0772024

Highlighted filing

2015

Revenue$116,957,009
Expenses$79,187,881
Net Income$37,769,128
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 13, 2016
Return Version
2015v2.1
Gross Receipts
$116,957,009
Mission and Program Overview

Mission

Credit Union providing financial services to members.

Credit Union providing financial products and services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$1,696,210,646$2,182,149,025▲ $485,938,379
Cap Stk Tr Prin Current Funds$1,599,287,395$1,945,927,270▲ $346,639,875
Rtn Earn Endowment Incm Other Fnds$159,038,295$195,927,606▲ $36,889,311
Land, Buildings, and Equipment, Net$83,033,734$91,576,815▲ $8,543,081
Savings and Temporary Cash Investments$27,914,198$64,704,637▲ $36,790,439
Investments Program Related$4,805,219$13,263,155▲ $8,457,936
Cash and Non-Interest-Bearing Accounts$12,232,008$12,660,114▲ $428,106
Prepaid Expenses and Deferred Charges$3,571,848$4,368,124▲ $796,276
Investments in Publicly Traded Securities$1,016,581$1,001,926▼ $14,655
Accounts Receivable$224,607$830,360▲ $605,753
Pledges and Grants Receivable$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$1,853,241,094$2,418,391,383▲ $565,150,289
Other Assets Total$24,232,253$47,837,227▲ $23,604,974
Liabilities
Mortgage Notes Payable Secured by Investment Property$66,136,297$236,937,694▲ $170,801,397
Accounts Payable and Accrued Expenses$26,075,685$36,237,655▲ $10,161,970
Other Liabilities$2,703,422$3,361,158▲ $657,736
Total Liabilities$94,915,404$276,536,507▲ $181,621,103
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,758,325,690$2,141,854,876▲ $383,529,186
Total Liabilities and Net Assets / Fund Balance$1,853,241,094$2,418,391,383▲ $565,150,289

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$38,759,696$4,840,552$0
Other Land Buildings$0$0$0
Land$42,611,102-$0
Equipment$10,199,887$9,836,744$0
Leasehold Improvements$6,130$83,266$0
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kent OramPresidentFT$601,357$395,226$996,583
Brenda WorrellExecutive Vice PresidentFT$389,860$222,179$612,039
Shelli BardsleyExecutive Vice PresidentFT$389,860$214,501$604,361
Mark WilldenChief Information OfficerFT$269,496$189,038$458,534
Brian BerrettChief Financial OfficerFT$266,946$165,010$431,956
Collin HunterMortgage Loan OfficerFT$404,188$418,429$418,429
Edward TierneyVice President of Mortgage LendingFT$206,764$118,415$325,179
Sean PalmerMortgage Loan OfficerFT$28,838$268,750$297,588
Corey DahleVice President of Consumer LendingFT$206,814$85,814$292,628
Lance HendricksMortgage Loan OfficerFT$50,823$188,835$239,658
Ben DavidsonVice President of HR and TrainingFT$178,407$55,184$233,591
Mitch RudderMortgage Loan OfficerFT$25,589$195,443$221,032
Amanda MyersMortgage Loan OfficerFT$76,627$138,445$215,072

Board Members and Trustees

NameTitle
Judy HarvestonChairman
Cindy WatsonBoard Member
Debbie BradyBoard Member
Dorothy RicksBoard Member
Marv WhiteBoard Member
Russ McCoyBoard Member
Troy NeuBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$116,957,009
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$37,769,128
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$39,884,001
Other Expenses$21,412,852
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$27,127,349
Benefits to Members---$17,891,028
Depreciation Depletion---$4,522,451
Advertising---$4,389,556
Other Employee Benefits---$4,311,333
Information Technology---$3,921,130
Current Officers, Directors, Trustees, and Key Employees---$3,859,515
Office Expenses---$2,715,972
Occupancy---$2,429,254
Payroll Taxes---$2,417,607
Pension Plan Contributions---$2,168,197
Travel---$1,650,076
Interest---$646,370
Fees for Services Accounting---$381,371
Fees for Services Other---$262,835
Conferences and Meetings---$245,306
Insurance---$183,914
Other Expenses---$41,798
Fees for Services Legal---$22,819
Total Functional Expenses$0$0$0$79,187,881
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$3,361,158
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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

“Idaho Central is a member owned, not for profit credit union”

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

“The Chief Financial Officer (also a CPA) prepares the 990. It is then submitted to the President for review prior to filing.”

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

“We consistently monitor and enforce compliance with the conflict of interest policy. It covers Board Members, key staff, and family members. A review is performed at least annually. In addition, auditors and examiners review accounts held by the aforementioned persons.”

Form 990, Part VI, Section B, Line 15

“Annually, the Board of Directors reviews salary surveys of similar sized institutions and sets the salary of the President according to that and how Idaho Central is performing. The President sets the salary for all other employees of the Credit Union. Each employee receives an annual salary review.”

Form 990, Part VI, Section C, Line 19

“The financial statements are published in the branch offices and are available upon request. Other documents may also be made available upon request.”

Filing and Contact Details

Filer

Filer Name
Idaho Central Credit Union
EIN
82-0217065
Phone
2084783300
Address
PO Box 2469, Pocatello, ID 83206

Signing Officer

Name
Brian Berrett
Title
Chief Financial Officer
Phone
2084783300
Signed
2016-05-13

Organization Details

Principal Officer
Kent Oram
Formed
1940
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
817
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in deposits is $346,639,875. The change in Other Comprehensive Income is ($1,320,453). Equity acquired through merger of $440,636.”

Raw XML AppendixShowing 400 of 732 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/PersonNm7Kent Oram
IRS990/Form990PartVIISectionAGrp/PersonNm8Brian Berrett
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IRS990/Form990PartVIISectionAGrp/PersonNm10Brenda Worrell
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IRS990/Form990PartVIISectionAGrp/PersonNm18Mitch Rudder
IRS990/Form990PartVIISectionAGrp/PersonNm19Amanda Myers
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7President
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Executive Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt10Executive Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt11Chief Information Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Vice President of Mortgage Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt13Vice President of Consumer Lending
IRS990/Form990PartVIISectionAGrp/TitleTxt14Vice President of HR and Training
IRS990/Form990PartVIISectionAGrp/TitleTxt15Mortgage Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt16Mortgage Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt17Mortgage Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt18Mortgage Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt19Mortgage Loan Officer
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IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02182149025
IRS990/PartialLiquidationInd00
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
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IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans to Members
IRS990/ProgramServiceRevenueGrp/Desc1Other Member Income
IRS990/ProgramServiceRevenueGrp/Desc2Income from Member Fees and Charges
IRS990/ProgramServiceRevenueGrp/Desc3Investment Income
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt214034166
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3210666
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt064851143
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt137861034
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt214034166
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3210666
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt015183196
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PYOtherExpensesAmt018526947
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt086638316
IRS990/PYRevenuesLessExpensesAmt019938401
IRS990/PYSalariesCompEmpBnftPaidAmt032989772
IRS990/PYTotalExpensesAmt066699915
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt086638316
IRS990/ReconcilationRevenueExpnssAmt037769128
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
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IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
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IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt027914198
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IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt038759696
IRS990ScheduleD/BuildingsGrp/DepreciationAmt04840552
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt043600248
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt010199887
IRS990ScheduleD/EquipmentGrp/DepreciationAmt09836744
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt020036631
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
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IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt042611102
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt06130
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt083266
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt089396
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IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03361158
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Other Liabilities
IRS990ScheduleD/TotalBookValueLandBuildingsAmt091576815
IRS990ScheduleD/TotalLiabilityAmt03361158
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IRS990ScheduleJ/ClubDuesOrFeesInd0X
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IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/FirstClassOrCharterTravelInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt928838
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1125589
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1276627
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount3164300
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount448810
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount560416
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount664205

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,418,391,383
Liabilities
$276,536,507
Net assets
$2,141,854,876
Revenue
$116,957,009
Expenses
$79,187,881
Net income
$37,769,128
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$12,120$686$11,434$739$626$113
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$8,340$311$8,029$370$269$101
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6,745$456$6,289$371$255$116
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5,071$437$4,634$296$224$72.2
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$4,315$520$3,795$240$169$70.3
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3,538$345$3,193$182$130$51.4
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$2,811$90.9$2,720$154$103$51.0
2015Detailed filing. Detailed filing data is available for this year.$2,418$277$2,142$117$79.2$37.8
2013Detailed filing. Detailed filing data is available for this year.$1,512$31.3$1,480$78.1$55.2$22.9
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,255$40.6$1,214$44.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1,011$14.2$997$43.4
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$866$11.4$854$44.5
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $1B+ nonprofits