Civic Intelligence

Idaho Central Credit Union

990 • Fiscal year 2018 • EIN 82-0217065

Jan 01, 2018 to Dec 31, 2018 • Filed on May 06, 2019

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

0.12x

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

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Liabilities / Revenue

3rd percentile

2.17x

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

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Net Margin

91st percentile

29%

Higher net margin than 91% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Top Officer Pay

81st percentile

$1,345,618

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.6% of source-year revenue.

2018 filings • 501(c)14 • $1B+ nonprofits • Source year 2018

Asset Growth

99th percentile

22%

Faster asset growth than 99% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Revenue Growth

98th percentile

32%

Faster revenue growth than 98% of similar nonprofits.

2018 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$4,315,062,932

Up $776,917,106 (+22%) from 2017

Net Assets

Up

$3,795,064,096

Up $601,745,146 (+19%) from 2017

Liabilities

Up

$519,998,836

Up $175,171,960 (+51%) from 2017

Revenue And Expenses
Liabilities / Revenue3rd percentileNet Margin91st percentile

Revenue

Up

$239,640,239

Up $57,909,912 (+32%) from 2017

Expenses

Up

$169,366,670

Up $38,998,254 (+30%) from 2017

Net Income

Up

$70,273,569

Up $18,911,658 (+37%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth99th 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

2018

Assets$4,315,062,932
Liabilities$519,998,836
Net Assets$3,795,064,096
Open 2018 Filing

Operations Trend

Revenue Growth98th 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

2018

Revenue$239,640,239
Expenses$169,366,670
Net Income$70,273,569
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 6, 2019
Return Version
2018v3.0
Gross Receipts
$239,640,239
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$3,230,295,285$3,694,976,375▲ $464,681,090
Cap Stk Tr Prin Current Funds$2,895,555,152$3,425,635,506▲ $530,080,354
Rtn Earn Endowment Incm Other Fnds$297,763,798$369,428,590▲ $71,664,792
Savings and Temporary Cash Investments$59,845,208$231,780,377▲ $171,935,169
Land, Buildings, and Equipment, Net$140,616,303$206,053,239▲ $65,436,936
Investments Program Related$13,724,257$51,392,704▲ $37,668,447
Prepaid Expenses and Deferred Charges$19,082,239$21,675,081▲ $2,592,842
Cash and Non-Interest-Bearing Accounts$3,107,148$16,422,505▲ $13,315,357
Accounts Receivable$1,378,130$1,647,689▲ $269,559
Investments in Publicly Traded Securities$0--
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$3,538,145,826$4,315,062,932▲ $776,917,106
Other Assets Total$70,097,256$91,114,962▲ $21,017,706
Liabilities
Mortgage Notes Payable Secured by Investment Property$256,953,656$431,670,895▲ $174,717,239
Accounts Payable and Accrued Expenses$82,790,268$80,687,802▼ $2,102,466
Other Liabilities$5,082,952$7,640,139▲ $2,557,187
Total Liabilities$344,826,876$519,998,836▲ $175,171,960
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,193,318,950$3,795,064,096▲ $601,745,146
Total Liabilities and Net Assets / Fund Balance$3,538,145,826$4,315,062,932▲ $776,917,106

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$60,801,736$7,514,538$0
Other Land Buildings$0$0$0
Land$131,622,982-$0
Equipment$12,578,836$11,650,901$0
Leasehold Improvements$1,049,685$244,542$0
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kent OramChief Executive OfficerFT$802,125$543,493$1,345,618
Sean PalmerMortgage Loan OfficerFT$855,186$875,746$875,746
Brenda WorrellChief Operating OfficerFT$520,206$315,994$836,200
Shelli BardsleyChief Administrative OfficerFT$520,206$278,501$798,707
Mark WilldenChief Information OfficerFT$346,291$183,182$529,473
Gabe CrumMortgage Loan OfficerFT$471,461$484,637$484,637
Collin HunterMortgage Regional Sales ManagerFT$475,184$483,440$483,440
Chris HelblingMortgage Loan OfficerFT$463,616$473,078$473,078
Brian BerrettChief Financial OfficerFT$343,641$105,678$449,319
Edward TierneyChief Lending OfficerFT$313,042$114,503$427,545
Corey DahleChief Experience OfficerFT$312,202$105,416$417,618
Josh AndersonMortgage Loan OfficerFT$6,271$276,395$282,666

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$239,640,239
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$70,273,569
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$72,330,784
Other Expenses$42,205,832
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$54,830,054
Comp Disqual Persons---$52,368,369
Other Employee Benefits---$9,392,437
Advertising---$9,278,891
Information Technology---$8,319,918
Interest---$6,082,242
Depreciation Depletion---$6,045,673
Current Officers, Directors, Trustees, and Key Employees---$4,623,318
Payroll Taxes---$4,243,632
Occupancy---$3,764,256
Office Expenses---$3,670,978
Travel---$3,091,075
Pension Plan Contributions---$1,703,028
Fees for Services Accounting---$708,721
Conferences and Meetings---$520,958
Fees for Services Other---$362,204
Insurance---$273,425
Other Expenses---$51,956
Fees for Services Legal---$35,535
Total Functional Expenses$0$0$0$169,366,670
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$7,640,139
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 Chief Executive Officer 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 Chief Executive Officer according to that and how Idaho Central is performing. The Chief Executive Officer sets the salary of 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
2019-05-06

Organization Details

Principal Officer
Kent Oram
Formed
1940
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
1,319
Volunteers
11
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in deposits is $530,080,354. Equity taken in merger is $1,025,947. Change in Other Comprehensive Income is $365,276.”

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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/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt180
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt7Chief Executive Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Chief Administrative Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt10Chief Operating Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt11Chief Information Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt12Chief Lending Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt13Chief Experience Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt14Mortgage Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt15Mortgage Regional Sales Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt16Mortgage Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt17Mortgage Loan Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt18Mortgage Loan Officer
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IRS990/NetAssetsOrFundBalancesEOYAmt03795064096
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IRS990/OtherChangesInNetAssetsAmt0531471577
IRS990/OtherEmployeeBenefitsGrp/TotalAmt09392437
IRS990/OtherExpensesGrp/Desc0Miscellaneous Expenses
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IRS990/OtherLiabilitiesGrp/BOYAmt05082952
IRS990/OtherLiabilitiesGrp/EOYAmt07640139
IRS990/OtherRevenueTotalAmt00
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03230295285
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt03694976375
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt04243632
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt01703028
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt019082239
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt021675081
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IRS990/ProgramServiceRevenueGrp/Desc3Investment Income
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IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0150202687
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt159115154
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt228843608
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31478790
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt159115154
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt228843608
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31478790
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IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
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IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0131622982
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IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt01049685
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0244542
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt01294227
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IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07640139
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Other Liabilities
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0206053239
IRS990ScheduleD/TotalLiabilityAmt07640139
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IRS990ScheduleJ/ClubDuesOrFeesInd0X
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IRS990ScheduleJ/CompensationSurveyInd0X
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IRS990ScheduleJ/FirstClassOrCharterTravelInd0X
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1343641
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt4346291
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt5313042
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt6312202
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt70

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$4,315,062,932
Liabilities
$519,998,836
Net assets
$3,795,064,096
Revenue
$239,640,239
Expenses
$169,366,670
Net income
$70,273,569
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
2018Detailed filing. Detailed filing data is available for this year.$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. 2018 filings • 501(c)14 • $1B+ nonprofits