Civic Intelligence

Mountain Gem Credit Union

990 • Fiscal year 2013 • EIN 82-0231516

Jan 01, 2013 to Dec 31, 2013 • Filed on Aug 20, 2014

Organization Profilewww.mountaingemcu.org
421 11th Ave SPO Box 309Nampa, ID 83653-0309

(208) 466-9455

Siviq Scores

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

Liabilities / Assets

5th percentile

0.00x

Higher debt load relative to assets than 5% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

2nd percentile

0.04x

Higher debt load relative to revenue than 2% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

74th percentile

9.8%

Higher net margin than 74% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

54th percentile

$70,275

Higher top officer pay than 54% of similar nonprofits.

Top officer pay equals 7.1% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

97th percentile

12%

Faster asset growth than 97% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets5th percentile

Assets

Up

$16,844,069

Up $1,838,687 (+12%) from 2012

Net Assets

Up

$16,805,445

Up $1,851,032 (+12%) from 2012

Liabilities

Down

$38,624

Down $12,345 (-24%) from 2012

Revenue And Expenses
Liabilities / Revenue2nd percentileNet Margin74th percentile

Revenue

$985,693

No earlier filing loaded for comparison.

Expenses

Up

$888,941

Up $8,764 (+1.0%) from 2012

Net Income

$96,752

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth97th percentile

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

$30M$20M$10M$0Assets 2008: $14,492,087Liabilities 2008: $67,078Net Assets 2008: $14,425,0092008Assets 2010: $13,726,788Liabilities 2010: $52,144Net Assets 2010: $13,674,6442010Assets 2011: $13,807,233Liabilities 2011: $45,650Net Assets 2011: $13,761,5832011Assets 2012: $15,005,382Liabilities 2012: $50,969Net Assets 2012: $14,954,4132012Assets 2013: $16,844,069Liabilities 2013: $38,624Net Assets 2013: $16,805,4452013Assets 2014: $17,378,591Liabilities 2014: $40,977Net Assets 2014: $17,337,6142014Assets 2015: $19,472,946Liabilities 2015: $540,719Net Assets 2015: $18,932,2272015Assets 2016: $20,579,531Liabilities 2016: $545,828Net Assets 2016: $20,033,7032016Assets 2017: $20,405,037Liabilities 2017: $44,734Net Assets 2017: $20,360,3032017Assets 2018: $17,707,875Liabilities 2018: $211,571Net Assets 2018: $17,496,3042018Assets 2019: $17,295,487Liabilities 2019: $11,053Net Assets 2019: $17,284,4342019Assets 2020: $18,474,987Liabilities 2020: $283,616Net Assets 2020: $18,191,3712020Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2013

Assets$16,844,069
Liabilities$38,624
Net Assets$16,805,445
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.0M$0-$1.0M-$2.0MExpenses 2008: $1,568,2062008Expenses 2010: $993,8282010Expenses 2011: $951,4632011Expenses 2012: $880,1772012Revenue 2013: $985,693Expenses 2013: $888,941Net Income 2013: $96,7522013Revenue 2014: $1,229,529Expenses 2014: $1,094,713Net Income 2014: $134,8162014Revenue 2015: $1,276,157Expenses 2015: $1,200,897Net Income 2015: $75,2602015Revenue 2016: $1,386,936Expenses 2016: $1,260,411Net Income 2016: $126,5252016Revenue 2017: $1,301,135Expenses 2017: $1,289,846Net Income 2017: $11,2892017Revenue 2018: $1,220,038Expenses 2018: $1,432,848Net Income 2018: -$212,8102018Revenue 2019: $1,276,561Expenses 2019: $1,257,073Net Income 2019: $19,4882019Revenue 2020: $7,319Expenses 2020: $1,252,757Net Income 2020: -$1,245,4382020Revenue 2021: $4,208Expenses 2021: $907,658Net Income 2021: -$903,4502021

Highlighted filing

2013

Revenue$985,693
Expenses$888,941
Net Income$96,752
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Aug 20, 2014
Return Version
2013v3.0
Gross Receipts
$985,693
Mission and Program Overview

Mission

Mutual, Membership Benefit Programs, General/Other: Operating for over 50 years providing safe, High quality financial services to the members/owners.

State Chartered Credit Union

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$13,714,545$15,467,809▲ $1,753,264
Other Notes and Loans Receivable, Net$10,919,421$13,460,464▲ $2,541,043
Savings and Temporary Cash Investments$3,123,705$2,378,824▼ $744,881
Rtn Earn Endowment Incm Other Fnds$1,239,868$1,337,636▲ $97,768
Land, Buildings, and Equipment, Net$477,730$473,677▼ $4,053
Cash and Non-Interest-Bearing Accounts$268,189$288,297▲ $20,108
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$15,005,382$16,844,069▲ $1,838,687
Other Assets Total$216,337$242,807▲ $26,470
Liabilities
Accounts Payable and Accrued Expenses$50,969$38,624▼ $12,345
Total Liabilities$50,969$38,624▼ $12,345
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,954,413$16,805,445▲ $1,851,032
Total Liabilities and Net Assets / Fund Balance$15,005,382$16,844,069▲ $1,838,687

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$411,185-$0
Equipment$55,790$42,131$0
Leasehold Improvements$6,702$21,014$0
Compensation and Service Providers
Top Officer Pay54th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheri L SchaafsExec Director/CEOFT$62,275$8,000$70,275

Board Members and Trustees

NameTitle
Leroy Gillattpresident
Linda Vincentvice President
Linda FosnaughBoard Member
Mark JohnstonBoard Member
Mark SneadBoard Member
V J HopkinsBoard Member
Michael D PeckSecretary/Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$960,918
Investment Income
$0
Other Revenue
$24,775
Change in Net Assets
$96,752
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$453,524
Other Expenses$435,417
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$321,715
Office Expenses---$170,148
Occupancy---$73,703
Current Officers, Directors, Trustees, and Key Employees---$63,775
Other Expenses---$48,006
Interest---$43,943
Payroll Taxes---$35,517
Other Employee Benefits---$32,517
Advertising---$20,649
Insurance---$15,893
Fees for Services Management---$8,852
Fees for Services Accounting---$6,978
Conferences and Meetings---$2,927
Total Functional Expenses$0$0$0$888,941
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 made up of members/stockholders.”

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

“The Board of Directors are made up of member/stockholders of the credit union that are elected by the member/stockholders for a three year term. These elections are held each year at the annual meeting of the member/stockholders.”

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

“The Board of Directors are supplied a cover of the form 990 at their monthly meeting.”

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

“In addition to an annual review of the conflict of interest policy. The Board of Directors meet monthly to review credit union business. In the event a conflict of interest arose the person would not be allowed to be part of the activity.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors are unpaid, they review and set compensations.”

Form 990, Part VI, Section C, Line 19

“Disclosures of all documents are available at the credit union office at 421 11th Ave., Nampa, ID 83651-4232. Phone number is 208-466-9455.”

Filing and Contact Details

Filer

EIN
82-0231516
Phone
2084669455

Signing Officer

Name
Cheri Schaafs
Title
President
Phone
2084669455
Signed
2014-08-20

Organization Details

Formed
1953
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
18
Volunteers
7
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Deposits for member accounts.”

Raw XML Appendix397 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/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01239868
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01337636
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03123705
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02378824
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt055790
IRS990ScheduleD/EquipmentGrp/DepreciationAmt042131
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt097921
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0411185
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0411185
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt06702
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt021014
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt027716
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0473677
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The Credit Union is made up of members/stockholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors are made up of member/stockholders of the credit union that are elected by the member/stockholders for a three year term. These elections are held each year at the annual meeting of the member/stockholders.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors are supplied a cover of the form 990 at their monthly meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3In addition to an annual review of the conflict of interest policy. The Board of Directors meet monthly to review credit union business. In the event a conflict of interest arose the person would not be allowed to be part of the activity.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4The Board of Directors are unpaid, they review and set compensations.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Disclosures of all documents are available at the credit union office at 421 11th Ave., Nampa, ID 83651-4232. Phone number is 208-466-9455.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Deposits for member accounts.
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/TotalAssetsBOYAmt015005382
IRS990/TotalAssetsEOYAmt016844069
IRS990/TotalAssetsGrp/BOYAmt015005382
IRS990/TotalAssetsGrp/EOYAmt016844069
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0888941
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt050969
IRS990/TotalLiabilitiesEOYAmt038624
IRS990/TotalLiabilitiesGrp/BOYAmt050969
IRS990/TotalLiabilitiesGrp/EOYAmt038624
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt014954413
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt016805445
IRS990/TotalOtherCompensationAmt08000
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0887522
IRS990/TotalProgramServiceRevenueAmt0960918
IRS990/TotalReportableCompFromOrgAmt062275
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0985693
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0985693
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015005382
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016844069
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10421 11th Ave S
IRS990/USAddress/AddressLine20PO Box 309
IRS990/USAddress/City0Nampa
IRS990/USAddress/State0ID
IRS990/USAddress/ZIPCode0836530309
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.mountaingemcu.org
IRS990/WhistleblowerPolicyInd01
ReasonableCauseExplanation/ExplanationTxt0Forms are prepared by a part-time employee. There was a change to employee staffing.
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Cheri Schaafs
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum02084669455
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-08-20
ReturnHeader/Filer/BusinessName/BusinessNameLine10MOUNTAIN GEM CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0MOUN
ReturnHeader/Filer/EIN0820231516
ReturnHeader/Filer/PhoneNum02084669455
ReturnHeader/Filer/USAddress/AddressLine10421 11th Ave S
ReturnHeader/Filer/USAddress/AddressLine20PO Box 309
ReturnHeader/Filer/USAddress/City0Nampa
ReturnHeader/Filer/USAddress/State0ID
ReturnHeader/Filer/USAddress/ZIPCode0836530309
ReturnHeader/ReturnTs02014-08-27T16:24:28-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,844,069
Liabilities
$38,624
Net assets
$16,805,445
Revenue
$985,693
Expenses
$888,941
Net income
$96,752
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.00$0.91$0.90
2020Detailed filing. Detailed filing data is available for this year.$18.5$0.28$18.2$0.01$1.25$1.25
2019Detailed filing. Detailed filing data is available for this year.$17.3$0.01$17.3$1.28$1.26$0.02
2018Detailed filing. Detailed filing data is available for this year.$17.7$0.21$17.5$1.22$1.43$0.21
2017Detailed filing. Detailed filing data is available for this year.$20.4$0.04$20.4$1.30$1.29$0.01
2016Detailed filing. Detailed filing data is available for this year.$20.6$0.55$20.0$1.39$1.26$0.13
2015Detailed filing. Detailed filing data is available for this year.$19.5$0.54$18.9$1.28$1.20$0.08
2014Detailed filing. Detailed filing data is available for this year.$17.4$0.04$17.3$1.23$1.09$0.13
2013Detailed filing. Detailed filing data is available for this year.$16.8$0.04$16.8$0.99$0.89$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.0$0.05$15.0$0.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$0.05$13.8$0.95
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.7$0.05$13.7$0.99
2008Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.5$0.07$14.4$1.57