Civic Intelligence

Clearwater Credit Union

EIN 82-0250100 • 501(c)14 • Lewiston, ID

Profile

Clearwater Credit Union is a not-for-profit, member owned financial organization. We provide services to benefit the members, while maintaining a balance between financial stability and growth.

320 15th StreetLewiston, ID 83501

www.clearwatercu.org

Siviq Scores

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

Liabilities / Assets

96th percentile

0.94x

Higher debt load relative to assets than 96% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

79th percentile

24.34x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

26th percentile

-3.1%

Higher net margin than 26% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

16th percentile

-6.6%

Faster asset growth than 16% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

23rd percentile

-1.1%

Faster revenue growth than 23% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets96th percentile

Assets

Up

$23,042,878

Up $937,119 (+4.2%) from 2014

Liabilities

Up

$21,722,279

Up $1,044,875 (+5.1%) from 2014

Net Assets

Down

$1,320,599

Down $107,756 (-7.5%) from 2014

Operations
Liabilities / Revenue79th percentileNet Margin26th percentile

Revenue

Down

$805,939

Down $43,487 (-5.1%) from 2014

Expenses

Up

$913,695

Up $37,977 (+4.3%) from 2014

Net Income

Down

-$107,756

Down $81,464 (-310%) from 2014

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

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

$30M$20M$10M$0Assets 2010: $22,494,780Liabilities 2010: $21,110,460Net Assets 2010: $1,384,3202010Assets 2011: $22,554,788Liabilities 2011: $21,127,884Net Assets 2011: $1,426,9042011Assets 2012: $22,446,639Liabilities 2012: $20,943,621Net Assets 2012: $1,503,0182012Assets 2013: $23,669,323Liabilities 2013: $22,214,676Net Assets 2013: $1,454,6472013Assets 2014: $22,105,759Liabilities 2014: $20,677,404Net Assets 2014: $1,428,3552014Assets 2015: $23,042,878Liabilities 2015: $21,722,279Net Assets 2015: $1,320,5992015

Highlighted filing

2015

Assets$23,042,878
Liabilities$21,722,279
Net Assets$1,320,599
Open 2015 Filing

Operations Trend

Revenue Growth23rd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,048,9132010Expenses 2011: $988,8832011Expenses 2012: $977,1392012Revenue 2013: $858,805Expenses 2013: $939,137Net Income 2013: -$80,3322013Revenue 2014: $849,426Expenses 2014: $875,718Net Income 2014: -$26,2922014Revenue 2015: $805,939Expenses 2015: $913,695Net Income 2015: -$107,7562015

Highlighted filing

2015

Revenue$805,939
Expenses$913,695
Net Income-$107,756
Open 2015 Filing

Filings

Most recent year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,042,878
Liabilities
$21,722,279
Net assets
$1,320,599
Revenue
$805,939
Expenses
$913,695
Net income
-$107,756
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2015Detailed filing. Detailed filing data is available for this year.$23.0$21.7$1.32$0.81$0.91$0.11
2014Detailed filing. Detailed filing data is available for this year.$22.1$20.7$1.43$0.85$0.88$0.03
2013Detailed filing. Detailed filing data is available for this year.$23.7$22.2$1.45$0.86$0.94$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.4$20.9$1.50$0.98
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.6$21.1$1.43$0.99
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$22.5$21.1$1.38$1.05
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 10, 2016
Return Version
2015v2.1
Gross Receipts
$805,939
Mission and Program Overview

Mission

Clearwater Credit Union is a not-for-profit, member owned financial organization. We provide services to benefit the members, while maintaining a balance between financial stability and growth.

Clearwater Credit Union is a not-for-profit, member owned financial organization. We provide services to benefit the members while maintaining a balance between financial stability and growth.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$13,741,840$14,274,065▲ $532,225
Other Notes and Loans Receivable, Net$7,053,597$7,525,347▲ $471,750
Rtn Earn Endowment Incm Other Fnds$1,428,355$1,320,599▼ $107,756
Cash and Non-Interest-Bearing Accounts$632,393$601,304▼ $31,089
Land, Buildings, and Equipment, Net$359,416$344,030▼ $15,386
Prepaid Expenses and Deferred Charges$18,049$16,134▼ $1,915
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$22,105,759$23,042,878▲ $937,119
Other Assets Total$300,464$281,998▼ $18,466
Liabilities
Other Liabilities$20,546,704$21,582,582▲ $1,035,878
Accounts Payable and Accrued Expenses$130,700$139,697▲ $8,997
Total Liabilities$20,677,404$21,722,279▲ $1,044,875
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,428,355$1,320,599▼ $107,756
Total Liabilities and Net Assets / Fund Balance$22,105,759$23,042,878▲ $937,119

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$135,491$54,874$0
Other Land Buildings$0$0$0
Land$162,356-$0
Equipment$20,623$24,781$0
Leasehold Improvements$25,560$11,903$0
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Juyne WeimerBoard Chairman
Karen MonroeBoard Vice-Chairman
Budd HurdBoard Member
Jim WhiteBoard Member
Mike PedersenBoard Member
Rick CarlsonBoard Member
Dennis OhrtmanBoard Secretary/Treasurer
Sue DarrowCEO
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$690,069
Investment Income
$112,553
Other Revenue
$3,317
Change in Net Assets
$-107,756
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$546,113
Salaries, Compensation, and Employee Benefits$367,582
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$218,896
All Other Expenses---$84,100
Office Expenses---$82,163
Current Officers, Directors, Trustees, and Key Employees---$60,000
Other Employee Benefits---$52,053
Occupancy---$25,349
Payroll Taxes---$24,949
Depreciation Depletion---$19,022
Insurance---$15,678
Fees for Services Accounting---$12,802
Pension Plan Contributions---$11,684
Other Expenses---$7,512
Advertising---$4,229
Fees for Services Other---$473
Conferences and Meetings---$392
Travel---$68
Total Functional Expenses$0$0$0$913,695
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
Shares$21,582,582
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

“All who belong to Clearwater Credit Union are "Members"”

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

“Members of Clearwater Credit Union elect all of the governing body.”

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

“CEO prepares form 990 and then submits it to the Board of Directors for review and comments at a regularly scheduled meeting prior to filing the report.”

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

“Internal controls verify that the annual Conflict of Interest Policy Statements are signed by the Board of Directors and key employees.”

Form 990, Part VI, Section B, Line 15

“Clearwater Credit Union pulls salary information from the Idaho Credit Union League and survey salary expectations from local credit unions and financial institutions.”

Form 990, Part VI, Section C, Line 19

“Clearwater Credit Union posts financial statements in the lobby as required. Other reports (including the 990) and policies are available by request.”

Filing and Contact Details

Filer

Filer Name
Clearwater Credit Union
EIN
82-0250100
Phone
2087469836
Address
320 15th Street, Lewiston, ID 83501

Signing Officer

Name
Sue Darrow
Title
CEO
Phone
2087469836
Signed
2016-05-10

Organization Details

Principal Officer
Sue Darrow
Formed
1957
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
15
Volunteers
0
Raw XML Appendix387 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/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01428355
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01320599
IRS990/SavingsAndTempCashInvstGrp/BOYAmt013741840
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014274065
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0135491
IRS990ScheduleD/BuildingsGrp/DepreciationAmt054874
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0190365
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt020623
IRS990ScheduleD/EquipmentGrp/DepreciationAmt024781
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt045404
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0162356
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0162356
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt025560
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt011903
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt037463
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt021582582
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0344030
IRS990ScheduleD/TotalLiabilityAmt021582582
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All who belong to Clearwater Credit Union are "Members"
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members of Clearwater Credit Union elect all of the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CEO prepares form 990 and then submits it to the Board of Directors for review and comments at a regularly scheduled meeting prior to filing the report.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Internal controls verify that the annual Conflict of Interest Policy Statements are signed by the Board of Directors and key employees.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Clearwater Credit Union pulls salary information from the Idaho Credit Union League and survey salary expectations from local credit unions and financial institutions.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Clearwater Credit Union posts financial statements in the lobby as required. Other reports (including the 990) and policies are available by request.
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
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt022105759
IRS990/TotalAssetsEOYAmt023042878
IRS990/TotalAssetsGrp/BOYAmt022105759
IRS990/TotalAssetsGrp/EOYAmt023042878
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt015
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0913695
IRS990/TotalGrossUBIAmt05385
IRS990/TotalLiabilitiesBOYAmt020677404
IRS990/TotalLiabilitiesEOYAmt021722279
IRS990/TotalLiabilitiesGrp/BOYAmt020677404
IRS990/TotalLiabilitiesGrp/EOYAmt021722279
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01428355
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01320599
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0690069
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0800554
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0805939
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05385
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt022105759
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt023042878
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt068
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0320 15TH STREET
IRS990/USAddress/CityNm0LEWISTON
IRS990/USAddress/StateAbbreviationCd0ID
IRS990/USAddress/ZIPCd083501
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.clearwatercu.org
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0SUE DARROW
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02087469836
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CLEARWATER CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CLEA
ReturnHeader/Filer/EIN0820250100
ReturnHeader/Filer/PhoneNum02087469836
ReturnHeader/Filer/USAddress/AddressLine1Txt0320 15th Street
ReturnHeader/Filer/USAddress/CityNm0Lewiston
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ID
ReturnHeader/Filer/USAddress/ZIPCd083501
ReturnHeader/ReturnTs02016-05-10T15:02:22-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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