Civic Intelligence

St Alphonsus Medical Credit Union

EIN 82-0250766 • 501(c)14 • Boise, ID

Profile

To provide fair financial services and education to our owner-members in a fiscally responsible, respectful and confidential manner.

999 N Curtis Road 516Boise, ID 83706

samcu.org

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 2020

Liabilities / Revenue

96th percentile

0.00x

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

501(c)14 • <$500k nonprofits • Source year 2020

Net Margin

42nd percentile

-87%

Higher net margin than 42% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2020

Top Officer Pay

88th percentile

$65,952

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 35.2% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2020

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2019 to 2020

Revenue Growth

62nd percentile

-33%

Faster revenue growth than 62% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $5,011,056 (-100%) from 2019

Liabilities

Down

$0

Down $4,511,167 (-100%) from 2019

Net Assets

Down

$0

Down $499,889 (-100%) from 2019

Operations
Liabilities / Revenue96th percentileNet Margin42nd percentile

Revenue

Down

$187,595

Down $93,363 (-33%) from 2019

Expenses

Up

$349,921

Up $100,108 (+40%) from 2019

Net Income

Down

-$162,326

Down $193,471 (-621%) from 2019

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,314,844Liabilities 2010: $5,934,308Net Assets 2010: $380,5362010Assets 2011: $5,681,883Liabilities 2011: $5,284,664Net Assets 2011: $397,2192011Assets 2012: $5,233,534Liabilities 2012: $4,970,111Net Assets 2012: $263,4232012Assets 2013: $4,588,253Liabilities 2013: $4,319,549Net Assets 2013: $268,7042013Assets 2014: $4,699,165Liabilities 2014: $4,477,115Net Assets 2014: $222,0502014Assets 2015: $4,812,913Liabilities 2015: $4,586,561Net Assets 2015: $226,3522015Assets 2016: $5,473,167Liabilities 2016: $5,074,392Net Assets 2016: $398,7752016Assets 2017: $5,478,138Liabilities 2017: $5,042,748Net Assets 2017: $435,3902017Assets 2018: $5,533,353Liabilities 2018: $5,064,609Net Assets 2018: $468,7442018Assets 2019: $5,011,056Liabilities 2019: $4,511,167Net Assets 2019: $499,8892019Assets 2020: $0Liabilities 2020: $0Net Assets 2020: $02020

Highlighted filing

2020

Assets$0
Liabilities$0
Net Assets$0
Open 2020 Filing

Operations Trend

Revenue Growth62nd percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $450,3412010Expenses 2011: $342,3372011Revenue 2012: $286,032Expenses 2012: $297,974Net Income 2012: -$11,9422012Revenue 2013: $258,235Expenses 2013: $252,954Net Income 2013: $5,2812013Revenue 2014: $233,301Expenses 2014: $279,955Net Income 2014: -$46,6542014Revenue 2015: $234,262Expenses 2015: $229,960Net Income 2015: $4,3022015Revenue 2016: $234,913Expenses 2016: $187,490Net Income 2016: $47,4232016Revenue 2017: $264,366Expenses 2017: $227,751Net Income 2017: $36,6152017Revenue 2018: $281,208Expenses 2018: $247,854Net Income 2018: $33,3542018Revenue 2019: $280,958Expenses 2019: $249,813Net Income 2019: $31,1452019Revenue 2020: $187,595Expenses 2020: $349,921Net Income 2020: -$162,3262020

Highlighted filing

2020

Revenue$187,595
Expenses$349,921
Net Income-$162,326
Open 2020 Filing

Filings

Most recent year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$187,595
Expenses
$349,921
Net income
-$162,326
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.19$0.35$0.16
2019Detailed filing. Detailed filing data is available for this year.$5.01$4.51$0.50$0.28$0.25$0.03
2018Detailed filing. Detailed filing data is available for this year.$5.53$5.06$0.47$0.28$0.25$0.03
2017Summary only. Only limited summary data is available for this year.$5.48$5.04$0.44$0.26$0.23$0.04
2016Detailed filing. Detailed filing data is available for this year.$5.47$5.07$0.40$0.23$0.19$0.05
2015Summary only. Only limited summary data is available for this year.$4.81$4.59$0.23$0.23$0.23$0.00
2014Summary only. Only limited summary data is available for this year.$4.70$4.48$0.22$0.23$0.28$0.05
2013Summary only. Only limited summary data is available for this year.$4.59$4.32$0.27$0.26$0.25$0.01
2012Summary only. Only limited summary data is available for this year.$5.23$4.97$0.26$0.29$0.30$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.68$5.28$0.40$0.34
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.31$5.93$0.38$0.45
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Nov 15, 2021
Return Version
2020v4.0
Gross Receipts
$187,595
Mission and Program Overview

Mission

To provide fair financial services and education to our owner-members in a fiscally responsible, respectful and confidential manner.

To extend credit to members as a primary business activity and to provide other low cost financial services to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,572,121$0▼ $3,572,121
Savings and Temporary Cash Investments$700,559$0▼ $700,559
Cash and Non-Interest-Bearing Accounts$597,023$0▼ $597,023
Rtn Earn Endowment Incm Other Fnds$374,889--
Cap Stk Tr Prin Current Funds$125,000--
Land, Buildings, and Equipment, Net$17,434$0▼ $17,434
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$5,011,056$0▼ $5,011,056
Other Assets Total$123,919$0▼ $123,919
Liabilities
Other Liabilities$4,510,675--
Accounts Payable and Accrued Expenses$492--
Total Liabilities$4,511,167$0▼ $4,511,167
Net Assets / Fund Balance
Total Net Assets Fund Balance$499,889$0▼ $499,889
Total Liabilities and Net Assets / Fund Balance$5,011,056$0▼ $5,011,056
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kathy MccartyCEOFT$65,952$65,952

Board Members and Trustees

NameTitle
Brianna Van MieghemPresident
Sarah BerggrenVice President
Josh LeeDirector
Nancee BakkenDirector
Nancy PedersonDirector
Patrick FlynnDirector
Susie SchumacherDirector
Tony FiskDirector
Craig JeppesenController
Julie PhillipsSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$178,227
Investment Income
$6,768
Other Revenue
$2,600
Change in Net Assets
$-162,326
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$251,142
Salaries, Compensation, and Employee Benefits$98,779
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$207,910
Current Officers, Directors, Trustees, and Key Employees---$56,228
Other Salaries and Wages---$42,551
Advertising---$19,416
Occupancy---$7,855
Fees for Services Other---$1,151
Other Expenses---$956
Travel---$550
Total Functional Expenses$0$0$0$349,921
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
No
Business relationship with 35% controlled entity
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“The organization has members. Account holders are members of the credit union.”

Form 990, Part VI, Line 8: Explanation of No Contemporaneously Documentation of Meetings

“None of the organization's committees have the authority to act on behalf of the governing body.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“A copy of the form 990 is provided to the organization's ceo for review before it is filed. Full disclosure of the form 990 is done at a regularly scheduled board meeting.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“In 2008 a ceo salary review and comparison of compensation was completed. The board reviews compensation annually along with a member of the idaho credit union league. There have been no pay increases within the last several years. Therefore, no formal review or comparison studies have occurred since 2008.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Bylaws and governing documents are available to the public upon request. The organization's financial statements are available to the public and are posted in the credit union.”

Filing and Contact Details

Filer

Filer Name
St Alphonsus Medical Credit Union
EIN
82-0250766
Phone
2082393028
Address
999 N CURTIS ROAD 516, BOISE, ID 83706

Signing Officer

Name
Kathy Mccarty
Title
CEO
Signed
2021-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathy Mccarty
Formed
1959
Legal Domicile
Id
Voting Board Members
9
Independent Board Members
8
Employees
10
Volunteers
16

Preparer

Firm
Grigg Bratton & Brash PC
Address
4487 N Dresden Pl Ste 101, Boise, ID 83714
Preparer
Jim Geddings
Phone
2083756490
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Decreases

“Disposition of assets = -$337563”

Raw XML AppendixShowing 400 of 411 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/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DIVIDENDS ON SHARES
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt010387
IRS990/OtherExpensesGrp/TotalAmt11500
IRS990/OtherExpensesGrp/TotalAmt21417
IRS990/OtherExpensesGrp/TotalAmt3956
IRS990/OtherLiabilitiesGrp/BOYAmt04510675
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IRS990/OtherRevenueMiscGrp/BusinessCd1524298
IRS990/OtherRevenueMiscGrp/Desc0ATM SURCHARGE INCOME
IRS990/OtherRevenueMiscGrp/Desc1OTHER INCOME
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt02600
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt02600
IRS990/OtherRevenueTotalAmt02600
IRS990/OtherSalariesAndWagesGrp/TotalAmt042551
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt03572121
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IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0KATHY MCCARTY
IRS990/ProfessionalFundraisingInd0false
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IRS990/ProgramServiceRevenueGrp/Desc0DRAFT INCOME
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc3NETWORK FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc4TICKET SALES FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt050274
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1127953
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt050274
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1127953
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt015766
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0118688
IRS990/PYOtherRevenueAmt08656
IRS990/PYProgramServiceRevenueAmt0256536
IRS990/PYRevenuesLessExpensesAmt031145
IRS990/PYSalariesCompEmpBnftPaidAmt0131125
IRS990/PYTotalExpensesAmt0249813
IRS990/PYTotalRevenueAmt0280958
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-162326
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0374889
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0700559
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd0false
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleN/DirectorOfSuccessor2Ind0false
IRS990ScheduleN/DispositionOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0MERGER - FULL BALANCE SHEET OF ST. AL'S MCU
IRS990ScheduleN/DispositionOfAssetsDetail/BusinessName/BusinessNameLine1Txt0IDAHO CENTRAL CREDIT UNION
IRS990ScheduleN/DispositionOfAssetsDetail/DistributionDt02020-11-01
IRS990ScheduleN/DispositionOfAssetsDetail/EIN0820217065
IRS990ScheduleN/DispositionOfAssetsDetail/FairMarketValueOfAssetAmt05600224
IRS990ScheduleN/DispositionOfAssetsDetail/IRCSectionTxt0501(C)14
IRS990ScheduleN/DispositionOfAssetsDetail/MethodOfFMVDeterminationTxt0BOOK VALUE
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt04400 CENTRAL WAY
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm0CHUBBUCK
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IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd083202
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IRS990ScheduleN/OwnerOfSuccessor2Ind0false
IRS990ScheduleN/ReceiveCompensation2Ind0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. ACCOUNT HOLDERS ARE MEMBERS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NONE OF THE ORGANIZATION'S COMMITTEES HAVE THE AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF THE FORM 990 IS PROVIDED TO THE ORGANIZATION'S CEO FOR REVIEW BEFORE IT IS FILED. FULL DISCLOSURE OF THE FORM 990 IS DONE AT A REGULARLY SCHEDULED BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3IN 2008 A CEO SALARY REVIEW AND COMPARISON OF COMPENSATION WAS COMPLETED. THE BOARD REVIEWS COMPENSATION ANNUALLY ALONG WITH A MEMBER OF THE IDAHO CREDIT UNION LEAGUE. THERE HAVE BEEN NO PAY INCREASES WITHIN THE LAST SEVERAL YEARS. THEREFORE, NO FORMAL REVIEW OR COMPARISON STUDIES HAVE OCCURRED SINCE 2008.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BYLAWS AND GOVERNING DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. THE ORGANIZATION'S FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC AND ARE POSTED IN THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DISPOSITION OF ASSETS = -$337563
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 8: Explanation of No Contemporaneously Documentation of Meetings
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Changes In Net Assets Or Fund Balances - Other Decreases
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IRS990/SubjectToProxyTaxInd0false
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05011056
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt05011056
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0349921
IRS990/TotalGrossUBIAmt02600
IRS990/TotalLiabilitiesBOYAmt04511167
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt04511167
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0499889
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalProgramServiceRevenueAmt0178227
IRS990/TotalReportableCompFromOrgAmt065952
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0184995
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0187595
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02600
IRS990/TotalVolunteersCnt016
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05011056
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TravelGrp/TotalAmt0550
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0999 N CURTIS ROAD 516
IRS990/USAddress/CityNm0BOISE
IRS990/USAddress/StateAbbreviationCd0ID
IRS990/USAddress/ZIPCd083706
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0ICCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0KATHY MCCARTY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST ALPHONSUS MEDICAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0STAL
ReturnHeader/Filer/EIN0820250766
ReturnHeader/Filer/PhoneNum02082393028
ReturnHeader/Filer/USAddress/AddressLine1Txt0999 N CURTIS ROAD 516
ReturnHeader/Filer/USAddress/CityNm0BOISE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ID
ReturnHeader/Filer/USAddress/ZIPCd083706
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0820485954
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Grigg Bratton & Brash PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04487 N Dresden Pl Ste 101
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Boise

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