Civic Intelligence

Clearwater Credit Union

990 • Fiscal year 2014 • EIN 82-0250100

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 30, 2015

Organization Profilewww.clearwatercu.org
320 15th StreetLewiston, ID 83501

(208) 746-9836

Siviq Scores

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

Liabilities / Assets

99th percentile

0.94x

Higher debt load relative to assets than 99% of similar nonprofits.

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

Liabilities / Revenue

71st percentile

24.34x

Higher debt load relative to revenue than 71% of similar nonprofits.

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

Net Margin

18th percentile

-3.1%

Higher net margin than 18% of similar nonprofits.

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

Top Officer Pay

12th percentile

$0

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

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

Asset Growth

4th percentile

-6.6%

Faster asset growth than 4% of similar nonprofits.

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

Revenue Growth

45th percentile

-1.1%

Faster revenue growth than 45% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$22,105,759

Down $1,563,564 (-6.6%) from 2013

Net Assets

Down

$1,428,355

Down $26,292 (-1.8%) from 2013

Liabilities

Down

$20,677,404

Down $1,537,272 (-6.9%) from 2013

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin18th percentile

Revenue

Down

$849,426

Down $9,379 (-1.1%) from 2013

Expenses

Down

$875,718

Down $63,419 (-6.8%) from 2013

Net Income

Up

-$26,292

Up $54,040 (+67%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth4th 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

2014

Assets$22,105,759
Liabilities$20,677,404
Net Assets$1,428,355
Open 2014 Filing

Operations Trend

Revenue Growth45th percentile

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

2014

Revenue$849,426
Expenses$875,718
Net Income-$26,292
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 30, 2015
Return Version
2014v5.0
Gross Receipts
$849,426
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$15,290,023$13,741,840▼ $1,548,183
Other Notes and Loans Receivable, Net$7,040,504$7,053,597▲ $13,093
Rtn Earn Endowment Incm Other Fnds$1,454,647$1,428,355▼ $26,292
Cash and Non-Interest-Bearing Accounts$679,833$632,393▼ $47,440
Land, Buildings, and Equipment, Net$350,784$359,416▲ $8,632
Prepaid Expenses and Deferred Charges$14,430$18,049▲ $3,619
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$23,669,323$22,105,759▼ $1,563,564
Other Assets Total$293,749$300,464▲ $6,715
Liabilities
Other Liabilities$21,857,168$20,546,704▼ $1,310,464
Accounts Payable and Accrued Expenses$357,508$130,700▼ $226,808
Total Liabilities$22,214,676$20,677,404▼ $1,537,272
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,454,647$1,428,355▼ $26,292
Total Liabilities and Net Assets / Fund Balance$23,669,323$22,105,759▼ $1,563,564

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$143,620$46,745$0
Other Land Buildings$0$0$0
Land$162,356-$0
Equipment$24,725$17,043$0
Leasehold Improvements$28,715$8,748$0
Compensation and Service Providers
Top Officer Pay12th percentile

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 A DarrowCEO
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$720,269
Investment Income
$95,518
Other Revenue
$33,639
Change in Net Assets
$-26,292
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$519,885
Salaries, Compensation, and Employee Benefits$355,833
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$217,403
Current Officers, Directors, Trustees, and Key Employees---$60,000
All Other Expenses---$59,751
Office Expenses---$47,493
Other Employee Benefits---$40,963
Payroll Taxes---$24,801
Occupancy---$23,716
Insurance---$20,660
Depreciation Depletion---$18,121
Pension Plan Contributions---$12,666
Fees for Services Accounting---$12,395
Advertising---$8,894
Other Expenses---$8,432
Fees for Services Other---$2,377
Fees for Service Investment Mgmnt Fees---$35
Total Functional Expenses$0$0$0$875,718
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
Member Shares$20,546,704
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 pull 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 require. 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
2015-04-30

Organization Details

Principal Officer
Sue Darrow
Formed
1957
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
14
Volunteers
7
Raw XML Appendix393 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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IRS990ScheduleD/EquipmentGrp/DepreciationAmt017043
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt041768
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0162356
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0162356
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt028715
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt08748
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt037463
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt020546704
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0359416
IRS990ScheduleD/TotalLiabilityAmt020546704
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 pull 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 require. 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/StatesWhereCopyOfReturnIsFldCd0ID
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt023669323
IRS990/TotalAssetsEOYAmt022105759
IRS990/TotalAssetsGrp/BOYAmt023669323
IRS990/TotalAssetsGrp/EOYAmt022105759
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0875718
IRS990/TotalGrossUBIAmt04485
IRS990/TotalLiabilitiesBOYAmt022214676
IRS990/TotalLiabilitiesEOYAmt020677404
IRS990/TotalLiabilitiesGrp/BOYAmt022214676
IRS990/TotalLiabilitiesGrp/EOYAmt020677404
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01454647
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01428355
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt0211520
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0211520
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt0720269
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0844941
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0849426
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04485
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt023669323
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt022105759
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
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/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/PersonNm0SUE DARROW
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02087469836
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-30
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/ReturnTs02015-04-28T18:20:21-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$22,105,759
Liabilities
$20,677,404
Net assets
$1,428,355
Revenue
$849,426
Expenses
$875,718
Net income
-$26,292
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