Civic Intelligence

Pine Tree Community Cu

990 • Fiscal year 2020 • EIN 82-0232708

Jan 01, 2020 to Dec 31, 2020 • Filed on May 06, 2021

Organization Profilepinetreeccu.org
230 E MainGrangeville, ID 83530

(208) 983-1558

Siviq Scores

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

Liabilities / Assets

5th percentile

0.01x

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

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Liabilities / Revenue

6th percentile

0.20x

Higher debt load relative to revenue than 6% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Net Margin

92nd percentile

25%

Higher net margin than 92% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Top Officer Pay

9th percentile

$86,207

Higher top officer pay than 9% of similar nonprofits.

Top officer pay equals 3.5% of source-year revenue.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Asset Growth

66th percentile

17%

Faster asset growth than 66% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Revenue Growth

54th percentile

-2.7%

Faster revenue growth than 54% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets5th percentile

Assets

Up

$67,299,562

Up $9,991,974 (+17%) from 2019

Net Assets

Up

$66,816,463

Up $9,941,833 (+17%) from 2019

Liabilities

Up

$483,099

Up $50,141 (+12%) from 2019

Revenue And Expenses
Liabilities / Revenue6th percentileNet Margin92nd percentile

Revenue

Down

$2,472,635

Down $68,907 (-2.7%) from 2019

Expenses

Down

$1,848,247

Down $242,501 (-12%) from 2019

Net Income

Up

$624,388

Up $173,594 (+39%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth66th percentile

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

$100M$50M$0Assets 2010: $29,166,342Liabilities 2010: $162,999Net Assets 2010: $29,003,3432010Assets 2011: $31,399,327Liabilities 2011: $139,897Net Assets 2011: $31,259,4302011Assets 2012: $33,517,671Liabilities 2012: $167,436Net Assets 2012: $33,350,2352012Assets 2013: $35,288,357Liabilities 2013: $98,018Net Assets 2013: $35,190,3392013Assets 2014: $38,072,790Liabilities 2014: $111,225Net Assets 2014: $37,961,5652014Assets 2015: $42,329,251Liabilities 2015: $86,948Net Assets 2015: $42,242,3032015Assets 2016: $43,446,783Liabilities 2016: $128,890Net Assets 2016: $43,317,8932016Assets 2017: $48,738,687Liabilities 2017: $567,115Net Assets 2017: $48,171,5722017Assets 2018: $52,722,455Liabilities 2018: $411,308Net Assets 2018: $52,311,1472018Assets 2019: $57,307,588Liabilities 2019: $432,958Net Assets 2019: $56,874,6302019Assets 2020: $67,299,562Liabilities 2020: $483,099Net Assets 2020: $66,816,4632020Assets 2021: $81,347,916Liabilities 2021: $989,407Net Assets 2021: $80,358,5092021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2020

Assets$67,299,562
Liabilities$483,099
Net Assets$66,816,463
Open 2020 Filing

Operations Trend

Revenue Growth54th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,412,4252010Expenses 2011: $1,249,3892011Expenses 2012: $1,250,4402012Revenue 2013: $1,528,400Expenses 2013: $1,233,653Net Income 2013: $294,7472013Revenue 2014: $1,553,427Expenses 2014: $1,293,220Net Income 2014: $260,2072014Revenue 2015: $1,739,549Expenses 2015: $1,495,278Net Income 2015: $244,2712015Revenue 2016: $1,892,926Expenses 2016: $1,639,732Net Income 2016: $253,1942016Revenue 2017: $2,156,746Expenses 2017: $1,799,436Net Income 2017: $357,3102017Revenue 2018: $2,460,307Expenses 2018: $2,830,408Net Income 2018: -$370,1012018Revenue 2019: $2,541,542Expenses 2019: $2,090,748Net Income 2019: $450,7942019Revenue 2020: $2,472,635Expenses 2020: $1,848,247Net Income 2020: $624,3882020Revenue 2021: $2,371,028Expenses 2021: $1,456,776Net Income 2021: $914,2522021Revenue 2022: $1,995,469Expenses 2022: $1,517,482Net Income 2022: $477,9872022

Highlighted filing

2020

Revenue$2,472,635
Expenses$1,848,247
Net Income$624,388
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
May 6, 2021
Return Version
2020v4.0
Gross Receipts
$2,487,270
Mission and Program Overview

Mission

Promoting the financial well-being of 3,185 members by providing loan and savings services at competitive rates

Promoting the financial well-being of 4,091 members by providing loan and savings services at competitive rates

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$51,809,242$61,126,648▲ $9,317,406
Other Notes and Loans Receivable, Net$31,636,699$34,483,871▲ $2,847,172
Savings and Temporary Cash Investments$20,278,534$26,856,534▲ $6,578,000
Rtn Earn Endowment Incm Other Fnds$4,308,647$4,933,074▲ $624,427
Cash and Non-Interest-Bearing Accounts$3,605,412$4,057,339▲ $451,927
Land, Buildings, and Equipment, Net$1,015,996$1,142,250▲ $126,254
Pd in Cap Srpls Land Bldg Eqp Fund$756,741$756,741→ $0
Accounts Receivable$493,732$546,936▲ $53,204
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$57,307,588$67,299,562▲ $9,991,974
Other Assets Total$277,215$212,632▼ $64,583
Liabilities
Other Liabilities$314,167$344,580▲ $30,413
Accounts Payable and Accrued Expenses$118,791$138,519▲ $19,728
Total Liabilities$432,958$483,099▲ $50,141
Net Assets / Fund Balance
Total Net Assets Fund Balance$56,874,630$66,816,463▲ $9,941,833
Total Liabilities and Net Assets / Fund Balance$57,307,588$67,299,562▲ $9,991,974

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$630,153$536,294$1,166,447
Land$307,821-$307,821
Equipment$91,278$141,072$232,350
Other Land Buildings$112,998$92,086$205,084
Compensation and Service Providers
Top Officer Pay9th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Dan GoehringCEOFT$86,207$86,207
Cheri SchumacherAssist MngrFT$59,659$59,659
Tracie PottengerBranch ManagerFT$43,670$43,670
Julianna G JohnsonLoan OfficerFT$38,175$38,175

Board Members and Trustees

NameTitle
David BodineChairman
Abbie HudsonDirector
Beth KeelerDirector
Jerry ZumwaltDirector
Melanie HawkinsDirector
Rachel YoungDirector
Janis LanceTreasurer/Secre
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,047,584
Investment Income
$429,186
Other Revenue
$-4,135
Change in Net Assets
$624,388
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$712,611
Salaries, Compensation, and Employee Benefits$687,120
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members$448,516--$448,516
Other Salaries and Wages$367,712--$367,712
Current Officers, Directors, Trustees, and Key Employees-$152,500-$152,500
All Other Expenses$120,396$15,722-$136,118
Information Technology$133,170--$133,170
Other Employee Benefits$124,547--$124,547
Depreciation Depletion$74,467--$74,467
Fees for Service Investment Mgmnt Fees$57,674--$57,674
Payroll Taxes$30,851$11,510-$42,361
Office Expenses-$33,398-$33,398
Other Expenses$30,407--$30,407
Advertising-$21,901-$21,901
Occupancy$13,255--$13,255
Fees for Services Accounting-$9,800-$9,800
Travel-$5,647-$5,647
Fees for Services Management-$1,523-$1,523
Insurance$1,396--$1,396
Fees for Services Legal$752--$752
Total Functional Expenses$1,596,246$252,001$0$1,848,247
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Draft Clearing$251,688
Debit Card Clearing$64,627
Reserve to Pay CD$28,265
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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, Line 6: Explanation of Classes of Members or Shareholder

“The organization has members who vote and elect the governing body every year.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The cpa prepares the 990 and then submits it to the board for review and comment at a regulary scheduled meeting prior to the filing deadline.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The governing body determines the ceo's compensation by reviewing salary surveys and reviewing performance expectations.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Compensation for other officers and/or key employees is determined by the ceo based on reviewing salary surveys and performance expectations. Overall compensation ranges are approved by the governing body.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“The documents required to be made available for public viewing are available in the office of the ceo at 230 e main st. Grangeville, id 83530 for viewing and copying during normal business hours.”

Filing and Contact Details

Filer

Filer Name
Pine Tree Community Cu
EIN
82-0232708
Phone
2089831558
Address
230 E MAIN, GRANGEVILLE, ID 83530

Signing Officer

Name
Dan Goehring
Title
CEO
Signed
2021-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dan Goehring
Formed
1956
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
17
Volunteers
11

Preparer

Firm
Lamm and Company CPA PA
Address
311 Deinhard Ln, McCall, ID 83638
Preparer
James B Liddell
Phone
2089832570
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Increases

“Net increase in customer deposits = $9317445”

Raw XML AppendixShowing 400 of 447 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/MissionDesc0PROMOTING THE FINANCIAL WELL-BEING OF 4,091 MEMBERS BY PROVIDING LOAN AND SAVINGS SERVICES AT COMPETITIVE RATES
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IRS990/OfficeExpensesGrp/TotalAmt033398
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
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IRS990/OtherChangesInNetAssetsAmt09317445
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IRS990/OtherEmployeeBenefitsGrp/TotalAmt0124547
IRS990/OtherExpensesGrp/Desc0MISC LOAN SVC EXP
IRS990/OtherExpensesGrp/Desc1BANK SERVICE CHARGES
IRS990/OtherExpensesGrp/Desc2SURETY BOND PREMIUM
IRS990/OtherExpensesGrp/Desc3UTILITIES
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IRS990/OtherExpensesGrp/ProgramServicesAmt146945
IRS990/OtherExpensesGrp/ProgramServicesAmt240763
IRS990/OtherExpensesGrp/ProgramServicesAmt330407
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IRS990/OtherExpensesGrp/TotalAmt146945
IRS990/OtherExpensesGrp/TotalAmt240763
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IRS990/OtherLiabilitiesGrp/BOYAmt0314167
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IRS990/OtherRevenueTotalAmt00
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IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt011510
IRS990/PayrollTaxesGrp/ProgramServicesAmt030851
IRS990/PayrollTaxesGrp/TotalAmt042361
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0756741
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0756741
IRS990/PensionPlanContributionsGrp/TotalAmt00
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IRS990/PoliticalCampaignActyInd0false
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IRS990/PrincipalOfficerNm0DAN GOEHRING
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IRS990/ProgramServiceRevenueGrp/Desc2MEMBER CONNECT/EXTENDED W
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt288162
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11829144
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt25014
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt388162
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IRS990/PYBenefitsPaidToMembersAmt0439619
IRS990/PYInvestmentIncomeAmt0487624
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0973377
IRS990/PYOtherRevenueAmt0-6101
IRS990/PYProgramServiceRevenueAmt02060019
IRS990/PYRevenuesLessExpensesAmt0450794
IRS990/PYSalariesCompEmpBnftPaidAmt0677752
IRS990/PYTotalExpensesAmt02090748
IRS990/PYTotalRevenueAmt02541542
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IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04933074
IRS990/SavingsAndTempCashInvstGrp/BOYAmt020278534
IRS990/SavingsAndTempCashInvstGrp/EOYAmt026856534
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IRS990ScheduleD/BuildingsGrp/BookValueAmt0630153
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0536294
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01166447
IRS990ScheduleD/EquipmentGrp/BookValueAmt091278
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0141072
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0232350
IRS990ScheduleD/LandGrp/BookValueAmt0307821
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0307821
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0112998
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt092086
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0205084
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt064627
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1251688
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt228265
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Debit Card Clearing
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Draft Clearing
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Reserve to Pay CD
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01142250
IRS990ScheduleD/TotalLiabilityAmt0344580
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IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS WHO VOTE AND ELECT THE GOVERNING BODY EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CPA PREPARES THE 990 AND THEN SUBMITS IT TO THE BOARD FOR REVIEW AND COMMENT AT A REGULARY SCHEDULED MEETING PRIOR TO THE FILING DEADLINE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE GOVERNING BODY DETERMINES THE CEO'S COMPENSATION BY REVIEWING SALARY SURVEYS AND REVIEWING PERFORMANCE EXPECTATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPENSATION FOR OTHER OFFICERS AND/OR KEY EMPLOYEES IS DETERMINED BY THE CEO BASED ON REVIEWING SALARY SURVEYS AND PERFORMANCE EXPECTATIONS. OVERALL COMPENSATION RANGES ARE APPROVED BY THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE DOCUMENTS REQUIRED TO BE MADE AVAILABLE FOR PUBLIC VIEWING ARE AVAILABLE IN THE OFFICE OF THE CEO AT 230 E MAIN ST. GRANGEVILLE, ID 83530 FOR VIEWING AND COPYING DURING NORMAL BUSINESS HOURS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Net increase in customer deposits = $9317445
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Changes In Net Assets Or Fund Balances - Other Increases
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01596246
IRS990/TotalFunctionalExpensesGrp/TotalAmt01848247
IRS990/TotalGrossUBIAmt0879
IRS990/TotalLiabilitiesBOYAmt0432958
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02472635
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0879
IRS990/TotalVolunteersCnt011

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$67,299,562
Liabilities
$483,099
Net assets
$66,816,463
Revenue
$2,472,635
Expenses
$1,848,247
Net income
$624,388
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.00$1.52$0.48
2021Detailed filing. Detailed filing data is available for this year.$81.3$0.99$80.4$2.37$1.46$0.91
2020Detailed filing. Detailed filing data is available for this year.$67.3$0.48$66.8$2.47$1.85$0.62
2019Detailed filing. Detailed filing data is available for this year.$57.3$0.43$56.9$2.54$2.09$0.45
2018Detailed filing. Detailed filing data is available for this year.$52.7$0.41$52.3$2.46$2.83$0.37
2017Detailed filing. Detailed filing data is available for this year.$48.7$0.57$48.2$2.16$1.80$0.36
2016Detailed filing. Detailed filing data is available for this year.$43.4$0.13$43.3$1.89$1.64$0.25
2015Detailed filing. Detailed filing data is available for this year.$42.3$0.09$42.2$1.74$1.50$0.24
2014Detailed filing. Detailed filing data is available for this year.$38.1$0.11$38.0$1.55$1.29$0.26
2013Detailed filing. Detailed filing data is available for this year.$35.3$0.10$35.2$1.53$1.23$0.29
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.5$0.17$33.4$1.25
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.4$0.14$31.3$1.25
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.2$0.16$29.0$1.41