Civic Intelligence

Cornerstone Credit Union

EIN 82-0234322 • 501(c)14 • Caldwell, ID

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Profile

Promoting the financial well being of 4671 members by providing loan and saving services at competitive rates

416 S KimballCaldwell, ID 83605

www.cornerstonecu.coop

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2016

Liabilities / Revenue

95th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2016

Net Margin

78th percentile

-9.1%

Higher net margin than 78% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

36th percentile

-61%

Faster revenue growth than 36% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $15,602,660 (-100%) from 2015

Liabilities

Down

$0

Down $105,279 (-100%) from 2015

Net Assets

Down

$0

Down $15,497,381 (-100%) from 2015

Operations
Liabilities / Revenue95th percentileNet Margin78th percentile

Revenue

Down

$372,062

Down $581,941 (-61%) from 2015

Expenses

Down

$405,885

Down $559,564 (-58%) from 2015

Net Income

Down

-$33,823

Down $22,377 (-196%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2010: $19,880,734Liabilities 2010: $281,798Net Assets 2010: $19,598,9372010Assets 2011: $18,759,110Liabilities 2011: $131,540Net Assets 2011: $18,627,5692011Assets 2012: $18,504,930Liabilities 2012: $71,168Net Assets 2012: $18,433,7622012Assets 2013: $18,128,933Liabilities 2013: $69,677Net Assets 2013: $18,059,2562013Assets 2014: $17,444,504Liabilities 2014: $631,796Net Assets 2014: $16,812,7082014Assets 2015: $15,602,660Liabilities 2015: $105,279Net Assets 2015: $15,497,3812015Assets 2016: $0Liabilities 2016: $0Net Assets 2016: $02016

Highlighted filing

2016

Assets$0
Liabilities$0
Net Assets$0
Open 2016 Filing

Operations Trend

Revenue Growth36th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,628,8722010Expenses 2011: $1,204,5132011Expenses 2012: $1,208,1432012Revenue 2013: $1,048,601Expenses 2013: $1,082,862Net Income 2013: -$34,2612013Revenue 2014: $1,088,262Expenses 2014: $1,074,671Net Income 2014: $13,5912014Revenue 2015: $954,003Expenses 2015: $965,449Net Income 2015: -$11,4462015Revenue 2016: $372,062Expenses 2016: $405,885Net Income 2016: -$33,8232016

Highlighted filing

2016

Revenue$372,062
Expenses$405,885
Net Income-$33,823
Open 2016 Filing

Filings

Most recent year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$372,062
Expenses
$405,885
Net income
-$33,823
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.37$0.41$0.03
2015Detailed filing. Detailed filing data is available for this year.$15.6$0.11$15.5$0.95$0.97$0.01
2014Detailed filing. Detailed filing data is available for this year.$17.4$0.63$16.8$1.09$1.07$0.01
2013Detailed filing. Detailed filing data is available for this year.$18.1$0.07$18.1$1.05$1.08$0.03
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.5$0.07$18.4$1.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.8$0.13$18.6$1.20
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.9$0.28$19.6$1.63
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to May 31, 2016
Signed
Feb 17, 2017
Return Version
2016v3.0
Gross Receipts
$372,062
Mission and Program Overview

Mission

Promoting the financial well-being of 4250 members by providing loan and savings services at competative rates.

Promoting the Financial Well being of 4250 members by providing loan and savings services at competitive rates

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$14,833,201--
Other Notes and Loans Receivable, Net$9,685,843--
Savings and Temporary Cash Investments$3,895,741--
Land, Buildings, and Equipment, Net$1,450,573--
Rtn Earn Endowment Incm Other Fnds$664,180--
Cash and Non-Interest-Bearing Accounts$275,646--
Prepaid Expenses and Deferred Charges$59,817--
Accounts Receivable$108--
Total Assets$15,602,660$0▼ $15,602,660
Other Assets Total$234,932--
Liabilities
Accounts Payable and Accrued Expenses$98,238--
Other Liabilities$7,041--
Total Liabilities$105,279$0▼ $105,279
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,497,381$0▼ $15,497,381
Total Liabilities and Net Assets / Fund Balance$15,602,660$0▼ $15,602,660
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Larry TaylorChairman
Paula ReedyPresidentCEO
Mike AyersVice Chairman
Dick CrowleyBoard of Director
John LillyBoard of Director
Mark ChilesBoard of Director
Rick SheltonBoard of Director
Tim KoberleinBoard of Director
Toni GibsonBoard of Director
Joy HanselSecretaryTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$354,977
Investment Income
$17,085
Other Revenue
$0
Change in Net Assets
$-33,823
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$250,621
Salaries, Compensation, and Employee Benefits$155,264
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$104,825
All Other Expenses---$32,794
Current Officers, Directors, Trustees, and Key Employees---$30,930
Depreciation Depletion---$30,876
Office Expenses---$25,999
Occupancy---$15,151
Insurance---$12,385
Payroll Taxes---$9,981
Other Employee Benefits---$8,674
Other Expenses---$8,034
Advertising---$6,621
Fees for Services Other---$5,532
Fees for Services Accounting---$1,723
Pension Plan Contributions---$854
Travel---$525
Total Functional Expenses$0$0$0$405,885
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued ExpensesPayable-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
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
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 11B

“No review was or will be conducted. Due to merger of Credit Union”

Part VI Line 15A or B

“No review conducted in 2016 because of pending merger”

Part VI Line 19

“Governing Document available to member on request”

Filing and Contact Details

Filer

Filer Name
Cornerstone Credit Union
EIN
82-0234322
In Care Of
% Lee Gilbert
Phone
2085873304
Address
416 S Kimball, Caldwell, ID 83605

Signing Officer

Name
Lee Gilbert
Title
Controller
Phone
2085805633
Signed
2017-02-17

Organization Details

Principal Officer
Paula Reedy
Formed
1955
Legal Domicile
Id
Voting Board Members
9
Independent Board Members
0
Employees
0
Volunteers
9
Supplemental Narrative

Additional Explanations

Part IX Line 11G

“outside services Total expenses - $5532.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Part IX Line 24E

“All other expenses Total expenses - $32794.00 Program service expenses - $0.00 Mgmt and general expenses - $0.00 Fundraising expenses - $0.00”

Raw XML Appendix358 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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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 15a or b
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part IX Line 11g
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Part IX Line 24e
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0ID
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt015602660
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt015602660
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0405885
IRS990/TotalGrossUBIAmt019493
IRS990/TotalLiabilitiesBOYAmt0105279
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt0105279
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt015497381
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceExpensesAmt0372062
IRS990/TotalProgramServiceRevenueAmt0354977
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0352569
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0372062
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt019493
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015602660
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TravelGrp/TotalAmt0525
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0416 S Kimball Ave
IRS990/USAddress/CityNm0Caldwell
IRS990/USAddress/StateAbbreviationCd0ID
IRS990/USAddress/ZIPCd083605
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.cornerstonecu.coop
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0LEE GILBERT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Controller
ReturnHeader/BusinessOfficerGrp/PhoneNum02085805633
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-02-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Cornerstone Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0CORN
ReturnHeader/Filer/EIN0820234322
ReturnHeader/Filer/InCareOfNm0% Lee Gilbert
ReturnHeader/Filer/PhoneNum02085873304
ReturnHeader/Filer/USAddress/AddressLine1Txt0416 S Kimball
ReturnHeader/Filer/USAddress/CityNm0Caldwell
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ID
ReturnHeader/Filer/USAddress/ZIPCd083605
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId001CA395FBB6D6D33636BFB6016AA80C16B8866D3
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0CA1B44A2F304A83A0CF6E76FDFA369B3F75A8B2B
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId021010520170469909215
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-02-15
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0O
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt071.36.27.140
ReturnHeader/ReturnTs02017-02-15T13:36:00-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-05-31
ReturnHeader/TaxYr02016

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