Civic Intelligence

Clearwater Credit Union

990 • Fiscal year 2012 • EIN 82-0250100

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 25, 2013

Organization Profilewww.clearwatercu.org
320 15 street83501
Siviq Scores

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

Liabilities / Assets

97th percentile

0.93x

Higher debt load relative to assets than 97% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

18th percentile

-0.5%

Faster asset growth than 18% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets97th percentile

Assets

Down

$22,446,639

Down $108,149 (-0.5%) from 2011

Net Assets

Up

$1,503,018

Up $76,114 (+5.3%) from 2011

Liabilities

Down

$20,943,621

Down $184,263 (-0.9%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$977,139

Down $11,744 (-1.2%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$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

2012

Assets$22,446,639
Liabilities$20,943,621
Net Assets$1,503,018
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2012

Revenue-
Expenses$977,139
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 25, 2013
Return Version
2012v2.0
Gross Receipts
$955,477
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.

Filing and Contact Details

Filer

EIN
82-0250100
Raw XML AppendixShowing 400 of 422 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/GeneralExplanation/Explanation0All who belong to Clearwater Credit Union are "Members"
IRS990ScheduleO/GeneralExplanation/Explanation1Members of Clearwater Credit Union elect all of the governing body.
IRS990ScheduleO/GeneralExplanation/Explanation2CEO prepares the 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/GeneralExplanation/Explanation3Internal Controls verify that annual conflict of interest Policy Statements are signed by the Board of Directors and key employees.
IRS990ScheduleO/GeneralExplanation/Explanation4Clearwater Credit Union pulls salary information from the Idaho Credit Union League and survey salary expectations from local credit unions and financial institutions.
IRS990ScheduleO/GeneralExplanation/Explanation5Clearwater Credit Union posts financial statements in the lobby as required. Other reports (including the 990) and policies are available by request.
IRS990ScheduleO/GeneralExplanation/Explanation6Merger with Tribune Credit Union
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IRS990ScheduleO/GeneralExplanation/ReturnReference3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/GeneralExplanation/ReturnReference4Form 990, Part VI, Section B, Line 15
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IRS990ScheduleO/GeneralExplanation/ReturnReference6Form 990, Part XI, Line 9
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Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$22,446,639
Liabilities
$20,943,621
Net assets
$1,503,018
Revenue
-
Expenses
$977,139
Net income
-
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