Civic Intelligence

Les Bois Credit Union

EIN 82-0234877 • 501(c)14 • Garden City, ID

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Profile

To provide financial services to its members with maximal benefit through cooperative resource management within its bylaws.

7906 W MarigoldGarden City, ID 83714

www.lesboiscu.org

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

$83,471,894

No earlier filing loaded for comparison.

Liabilities

$80,442,934

No earlier filing loaded for comparison.

Net Assets

$3,028,960

No earlier filing loaded for comparison.

Operations

Revenue

$3,514,051

No earlier filing loaded for comparison.

Expenses

$7,472,122

No earlier filing loaded for comparison.

Net Income

-$3,958,071

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

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

$100M$50M$0Assets 2014: $83,471,894Liabilities 2014: $80,442,934Net Assets 2014: $3,028,9602014

Highlighted filing

2014

Assets$83,471,894
Liabilities$80,442,934
Net Assets$3,028,960
Open 2014 Filing

Operations Trend

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

$10M$5.0M$0-$5.0MRevenue 2014: $3,514,051Expenses 2014: $7,472,122Net Income 2014: -$3,958,0712014

Highlighted filing

2014

Revenue$3,514,051
Expenses$7,472,122
Net Income-$3,958,071
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$83,471,894
Liabilities
$80,442,934
Net assets
$3,028,960
Revenue
$3,514,051
Expenses
$7,472,122
Net income
-$3,958,071
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$83.5$80.4$3.03$3.51$7.47$3.96
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Feb 26, 2015
Return Version
2014v5.0
Gross Receipts
$3,892,628
Mission and Program Overview

Mission

To provide financial services to its members with maximal benefit through cooperative resource management within its bylaws.

To operate for mutual purposes and without profit and to provide reserve funds for loans to members at reasonable rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$58,670,981$55,695,541▼ $2,975,440
Investments Program Related$15,683,129$15,440,349▼ $242,780
Savings and Temporary Cash Investments$4,294,517$4,885,324▲ $590,807
Land, Buildings, and Equipment, Net$5,094,661$4,495,614▼ $599,047
Rtn Earn Endowment Incm Other Fnds$7,144,022$3,028,960▼ $4,115,062
Intangible Assets$801,514$800,205▼ $1,309
Cash and Non-Interest-Bearing Accounts$782,475$344,323▼ $438,152
Prepaid Expenses and Deferred Charges$106,756$30,457▼ $76,299
Total Assets$87,723,143$83,471,894▼ $4,251,249
Other Assets Total$2,289,110$1,780,081▼ $509,029
Liabilities
Other Liabilities$79,176,808$79,598,043▲ $421,235
Accounts Payable and Accrued Expenses$1,384,114$814,605▼ $569,509
Deferred Revenue$18,199$30,286▲ $12,087
Total Liabilities$80,579,121$80,442,934▼ $136,187
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,144,022$3,028,960▼ $4,115,062
Total Liabilities and Net Assets / Fund Balance$87,723,143$83,471,894▼ $4,251,249

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,125,000$1,037,653$4,162,653
Equipment$352,718$1,325,526$1,678,244
Land$972,982-$972,982
Leasehold Improvements$44,914$19,074$63,988
Investment Program Related Org$216,236--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kenneth J CliffordCEOFT$153,828$823,215$977,043

Board Members and Trustees

NameTitle
Chris FryeChairman
Larry CrockettVice Chairman
Ron KulchakBoard
Lou AaronDirector
Michael CareyDirector
Paul RosenwinkleDirector
Ted BoamDirector
Denzil BoggsSecretary
Charles RobinsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,300,181
Investment Income
$-151,887
Other Revenue
$-634,243
Change in Net Assets
$-3,958,071
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,987,379
Salaries, Compensation, and Employee Benefits$2,484,743
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses---$3,095,798
Other Salaries and Wages---$1,794,405
Office Expenses---$769,669
Depreciation Depletion---$298,253
Pension Plan Contributions---$209,301
All Other Expenses---$199,086
Occupancy---$195,860
Other Employee Benefits---$165,509
Payroll Taxes---$161,700
Current Officers, Directors, Trustees, and Key Employees---$153,828
Advertising---$72,685
Fees for Services Other---$36,829
Travel---$21,828
Insurance---$18,964
Fees for Services Legal---$9,322
Fees for Services Accounting---$563
Total Functional Expenses$0$0$0$7,472,122
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
Federal income taxes$79,598,043
Share and Certificate Accounts-
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
No
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

“Explanation all account holders at the credit union are considered members. All members have one equal share with regard to voting rights.”

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

“Explanation each member of the credit union has one vote to elect members of the board at the annual meeting.”

Form 990, Part VI, Section B, Line 11

“Explanation the tax return was provided to the executive committee of the board or directors, the accounting manager and vice president of finance to review prior to filing.”

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

“Explanation a conflict may be presented by an individual at any time. Management and the board will determine if a conflict exists. The supervisory committee is responsible for ensuring that all conflicts are reconciled. Board members will abstain from voting on action items where there is a percieved conflict of interest.”

Form 990, Part VI, Section B, Line 15A

“Explanation officer compensation is determined by reviewing established salary ranges and the achievement of goals determined by the board at the beginning of the year. The board conducts a performance review of the ceo annually.”

Form 990, Part VI, Section C, Line 19

“Explanation all documents are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Les Bois Credit Union
EIN
82-0234877
Phone
2084930160
Address
7906 W MARIGOLD, GARDEN CITY, ID 83714

Signing Officer

Name
Paul Bowman
Title
VP of Administraton
Signed
2015-02-26
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kenneth J Clifford
Formed
1955
Legal Domicile
Id
Voting Board Members
9
Independent Board Members
9
Employees
69
Volunteers
13

Preparer

Firm
Sanders and Associates PLLC
Address
10400 W Overland Road PMB 340, Boise, ID 83709-1449
Preparer
Terri Sanders
Phone
2086398190
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in other comprehensive income”

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IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CORPORATE SHARE BASE
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2AFS INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc3INVESTMENT IN CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc4LOAN TO CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc5OTHER INVESTMENTS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc6INVESTMENT IN BRANCH
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc7CLF STOCK
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd3F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd4F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd5F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd6F
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd7F
IRS990ScheduleD/LandGrp/BookValueAmt0972982
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0972982
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt044914
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt019074
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt063988
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt079598043
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Federal income taxes
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHARE AND CERTIFICATE ACCOUNTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Financial derivatives and other financial products
IRS990ScheduleD/OtherSecuritiesGrp/Desc1Closely-held equity interests
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04495614
IRS990ScheduleD/TotalBookValueProgramRltdAmt015440349
IRS990ScheduleD/TotalLiabilityAmt079598043
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0153828
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt0823215
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0KENNETH J CLIFFORD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0977043
IRS990ScheduleJ/SeverancePaymentInd0true
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0745308
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0CONSUMER LOANS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt01065635
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LOANS TO OFFICIAL FAMILY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD MEMBERS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0745308
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPLANATION ALL ACCOUNT HOLDERS AT THE CREDIT UNION ARE CONSIDERED MEMBERS. ALL MEMBERS HAVE ONE EQUAL SHARE WITH REGARD TO VOTING RIGHTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EXPLANATION EACH MEMBER OF THE CREDIT UNION HAS ONE VOTE TO ELECT MEMBERS OF THE BOARD AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EXPLANATION THE TAX RETURN WAS PROVIDED TO THE EXECUTIVE COMMITTEE OF THE BOARD OR DIRECTORS, THE ACCOUNTING MANAGER AND VICE PRESIDENT OF FINANCE TO REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3EXPLANATION A CONFLICT MAY BE PRESENTED BY AN INDIVIDUAL AT ANY TIME. MANAGEMENT AND THE BOARD WILL DETERMINE IF A CONFLICT EXISTS. THE SUPERVISORY COMMITTEE IS RESPONSIBLE FOR ENSURING THAT ALL CONFLICTS ARE RECONCILED. BOARD MEMBERS WILL ABSTAIN FROM VOTING ON ACTION ITEMS WHERE THERE IS A PERCIEVED CONFLICT OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4EXPLANATION OFFICER COMPENSATION IS DETERMINED BY REVIEWING ESTABLISHED SALARY RANGES AND THE ACHIEVEMENT OF GOALS DETERMINED BY THE BOARD AT THE BEGINNING OF THE YEAR. THE BOARD CONDUCTS A PERFORMANCE REVIEW OF THE CEO ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5EXPLANATION ALL DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CHANGE IN OTHER COMPREHENSIVE INCOME
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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt087723143
IRS990/TotalAssetsEOYAmt083471894
IRS990/TotalAssetsGrp/BOYAmt087723143
IRS990/TotalAssetsGrp/EOYAmt083471894
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt069
IRS990/TotalFunctionalExpensesGrp/TotalAmt07472122
IRS990/TotalGrossUBIAmt010806
IRS990/TotalLiabilitiesBOYAmt080579121
IRS990/TotalLiabilitiesEOYAmt080442934
IRS990/TotalLiabilitiesGrp/BOYAmt080579121
IRS990/TotalLiabilitiesGrp/EOYAmt080442934
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07144022
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03028960
IRS990/TotalOtherCompensationAmt0823215
IRS990/TotalProgramServiceRevenueAmt04300181
IRS990/TotalReportableCompFromOrgAmt0153828
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03756822
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03514051
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt010806
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt087723143
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt083471894
IRS990/TravelGrp/TotalAmt021828
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt07906 W MARIGOLD
IRS990/USAddress/CityNm0BOISE
IRS990/USAddress/StateAbbreviationCd0ID
IRS990/USAddress/ZIPCd083714
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09

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