Civic Intelligence

Freedom Northwest Credit Union Fnwcu

EIN 82-0262758 • 501(c)14 • Kamiah, ID

View Organization Page

Profile

Promoting the financial well-being of members by providing loan and savings services at competitive rates.

PO Box 68Kamiah, ID 83536

www.kamiahccu.org

Siviq Scores

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

Liabilities / Assets

31st percentile

0.88x

Higher debt load relative to assets than 31% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

18th percentile

12.68x

Higher debt load relative to revenue than 18% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

96th percentile

29%

Higher net margin than 96% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

61st percentile

$489,757

Higher top officer pay than 61% of similar nonprofits.

Top officer pay equals 1.2% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

8th percentile

-4.1%

Faster asset growth than 8% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

56th percentile

15%

Faster revenue growth than 56% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets31st percentile

Assets

Down

$588,492,674

Down $25,467,350 (-4.1%) from 2023

Liabilities

Down

$520,769,817

Down $36,907,863 (-6.6%) from 2023

Net Assets

Up

$67,722,857

Up $11,440,513 (+20%) from 2023

Operations
Liabilities / Revenue18th percentileNet Margin96th percentile

Revenue

Up

$41,067,424

Up $5,288,623 (+15%) from 2023

Expenses

Up

$29,054,202

Up $5,086,055 (+21%) from 2023

Net Income

Up

$12,013,222

Up $202,568 (+1.7%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth8th percentile

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

$800M$600M$400M$200M$0Assets 2010: $40,584,131Liabilities 2010: $381,988Net Assets 2010: $40,202,1432010Assets 2011: $46,576,526Liabilities 2011: $411,067Net Assets 2011: $46,165,4592011Assets 2012: $51,764,737Liabilities 2012: $587,275Net Assets 2012: $51,177,4622012Assets 2013: $55,816,125Liabilities 2013: $812,235Net Assets 2013: $55,003,8902013Assets 2014: $58,546,626Liabilities 2014: $1,401,354Net Assets 2014: $57,145,2722014Assets 2015: $66,254,577Liabilities 2015: $2,378,349Net Assets 2015: $63,876,2282015Assets 2016: $83,193,938Liabilities 2016: $9,978,596Net Assets 2016: $73,215,3422016Assets 2017: $115,276,651Liabilities 2017: $10,099,198Net Assets 2017: $105,177,4532017Assets 2021: $426,143,520Liabilities 2021: $46,298,538Net Assets 2021: $379,844,9822021Assets 2022: $497,919,829Liabilities 2022: $454,261,172Net Assets 2022: $43,658,6572022Assets 2023: $613,960,024Liabilities 2023: $557,677,680Net Assets 2023: $56,282,3442023Assets 2024: $588,492,674Liabilities 2024: $520,769,817Net Assets 2024: $67,722,8572024

Highlighted filing

2024

Assets$588,492,674
Liabilities$520,769,817
Net Assets$67,722,857
Open 2024 Filing

Operations Trend

Revenue Growth56th percentile

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

$60M$40M$20M$0Expenses 2010: $1,968,9702010Expenses 2011: $1,894,8142011Expenses 2012: $1,930,8052012Revenue 2013: $2,894,600Expenses 2013: $1,983,760Net Income 2013: $910,8402013Revenue 2014: $3,164,320Expenses 2014: $2,144,640Net Income 2014: $1,019,6802014Revenue 2015: $3,590,673Expenses 2015: $2,498,348Net Income 2015: $1,092,3252015Revenue 2016: $4,400,035Expenses 2016: $3,190,640Net Income 2016: $1,209,3952016Revenue 2017: $6,093,834Expenses 2017: $4,462,415Net Income 2017: $1,631,4192017Revenue 2021: $22,504,684Expenses 2021: $11,780,839Net Income 2021: $10,723,8452021Revenue 2022: $27,109,211Expenses 2022: $13,887,402Net Income 2022: $13,221,8092022Revenue 2023: $35,778,801Expenses 2023: $23,968,147Net Income 2023: $11,810,6542023Revenue 2024: $41,067,424Expenses 2024: $29,054,202Net Income 2024: $12,013,2222024

Highlighted filing

2024

Revenue$41,067,424
Expenses$29,054,202
Net Income$12,013,222
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$588,492,674
Liabilities
$520,769,817
Net assets
$67,722,857
Revenue
$41,067,424
Expenses
$29,054,202
Net income
$12,013,222
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$588$521$67.7$41.1$29.1$12.0
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$614$558$56.3$35.8$24.0$11.8
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$498$454$43.7$27.1$13.9$13.2
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$426$46.3$380$22.5$11.8$10.7
2017Summary only. Only limited summary data is available for this year.$115$10.1$105$6.09$4.46$1.63
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.2$9.98$73.2$4.40$3.19$1.21
2015Detailed filing. Detailed filing data is available for this year.$66.3$2.38$63.9$3.59$2.50$1.09
2014Detailed filing. Detailed filing data is available for this year.$58.5$1.40$57.1$3.16$2.14$1.02
2013Detailed filing. Detailed filing data is available for this year.$55.8$0.81$55.0$2.89$1.98$0.91
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.8$0.59$51.2$1.93
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.6$0.41$46.2$1.89
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.6$0.38$40.2$1.97
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 25, 2025
Return Version
2024v5.2
Gross Receipts
$68,804,167
Mission and Program Overview

Mission

Promoting the financial well-being of members by providing loan and savings services at competitive rates.

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$448,407,999$490,290,985▲ $41,882,986
Rtn Earn Endowment Incm Other Fnds$56,282,344$67,722,857▲ $11,440,513
Savings and Temporary Cash Investments$41,374,762$33,760,955▼ $7,613,807
Investments in Publicly Traded Securities$90,663,993$30,430,074▼ $60,233,919
Receivables From Officers Etc$11,310,762$11,512,143▲ $201,381
Land, Buildings, and Equipment, Net$8,417,296$8,521,701▲ $104,405
Investments Other Securities$3,556,800$3,761,400▲ $204,600
Cash and Non-Interest-Bearing Accounts$2,024,625$2,013,706▼ $10,919
Prepaid Expenses and Deferred Charges$1,054,130$1,098,601▲ $44,471
Accounts Receivable$60,871$1,144▼ $59,727
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$613,960,024$588,492,674▼ $25,467,350
Other Assets Total$7,088,786$7,101,965▲ $13,179
Liabilities
Other Liabilities$481,449,056$440,057,856▼ $41,391,200
Mortgage Notes Payable Secured by Investment Property$72,400,000$75,400,000▲ $3,000,000
Accounts Payable and Accrued Expenses$3,828,624$5,311,961▲ $1,483,337
Total Liabilities$557,677,680$520,769,817▼ $36,907,863
Net Assets / Fund Balance
Total Net Assets Fund Balance$56,282,344$67,722,857▲ $11,440,513
Total Liabilities and Net Assets / Fund Balance$613,960,024$588,492,674▼ $25,467,350

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,400,457$1,404,730$6,805,187
Equipment$1,626,311$2,252,953$3,879,264
Land$1,494,933-$1,494,933
Compensation and Service Providers
Top Officer Pay61st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gregory S GarrettCEOFT$322,597$167,160$489,757
Don C BelisleCFOFT$198,333$113,229$311,562
Dan McfetridgeLoan OfficerFT$124,999$170,674$295,673
Chad N SmithCLOFT$172,500$90,844$263,344
James DavyCIOFT$147,358$35,026$182,384
Tyler PresbyLoan OfficerFT$60,000$100,693$160,693
Cindy ChildersCOOFT$117,385$32,564$149,949
Kimberley SullivanLoan AssistantFT$101,908$41,194$143,102
Brady KingIt ManagerFT$104,500$32,567$137,067
Ara LycanLoan OfficerFT$102,638$32,176$134,814

Board Members and Trustees

NameTitle
Kevin SteereBod Chairperson
Rodney KroghBod Vicechairperson
Betty ClonigerBod Director
Carmon HenryBod Director
Tina UlmerBod Director
Dan TrankleBod Secretary
Adam McmurtrieBod Treasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
North Central InnovationsConstruction191 HORIZON LN, Kamiah, ID 83536$254,427
Cook Solutions Group INCSecurity And Atm ServicingPO BOX 843020, Los Angeles, CA 90084$221,415
Computer Marketing CorporationCore System8520 S SANDY PARKWAY, Sandy, UT 84070$157,535
LoomisCash Deliver/vaultDEPT CH 10500, Palatine, IL 60055$108,222
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$36,719,188
Investment Income
$4,348,236
Other Revenue
$0
Change in Net Assets
$12,013,222
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$23,702,157
Salaries, Compensation, and Employee Benefits$5,194,073
Grants and Similar Amounts Paid$157,972
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$19,484,611
Other Salaries and Wages---$2,338,856
Current Officers, Directors, Trustees, and Key Employees---$1,396,996
Other Employee Benefits---$1,174,128
Office Expenses---$1,103,329
Depreciation Depletion---$421,954
Fees for Services Other---$310,778
Payroll Taxes---$284,093
Information Technology---$132,759
Grants to Domestic Orgs---$122,972
Advertising---$110,088
Insurance---$109,816
Occupancy---$108,238
Other Expenses---$100,202
Fees for Services Accounting---$98,398
Fees for Services Legal---$87,744
All Other Expenses---$61,491
Grants to Domestic Individuals---$35,000
Conferences and Meetings---$10,145
Total Functional Expenses$0$0$0$29,054,202
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
City of KamiahKamiah, IDGovernmentCommunity Development$0
Clearwater Valley Jrsr High SchoolKooskia, ID501(c)(3)Contributions in Support Local School$0
Kamiah High SchoolKamiah, ID501(c)(3)Contributions in Support Local School$0
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 Officers, Directors, Trustees, and Key Employees$11,310,762$11,512,143▲ $201,381
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share and Ira Cds$323,555,171
Money Market Accounts$46,585,481
Share Draft Accounts$34,491,172
Share Accounts$33,988,788
Ira Accounts$1,437,244
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 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
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All depositors are members of the credit union.”

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

“Members of the credit union elect the board of directors from the general membership at the annual meeting each year.”

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

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

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

“The credit union retains a third party cpa firm to prepare form 990. A draft of the return is reviewed by the cfo. Once any necessary revisions are made the return is filed. Subsequent to filing, a copy of the form 990 is made available to the board of directors upon request.”

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

“Conflicts of interest are discussed with the board on a regular basis. All board members have been educated as to what a conflict of interest is and will report any suspected conflicts to the board.”

Form 990, Part VI, Section B, Line 15

“Formal annual written reviews are conducted by the board of directors for the ceo. Formal reviews of other officers and members of the management team are done by the ceo on a regular basis and as needed.”

Form 990, Part VI, Section C, Line 19

“Governing documents and conflict of interest policy are made available to the public upon request. Quarterly financial statements are available to the public on the ncua website via the 5300 filing.”

Filing and Contact Details

Filer

Filer Name
Freedom Northwest Credit Union
EIN
82-0262758
Phone
2089350277
Address
PO BOX 68, KAMIAH, ID 83536

Signing Officer

Name
Don C Belisle
Title
CFO
Phone
2089350277
Signed
2025-09-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gregory S Garret
Formed
1963
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
60
Volunteers
10

Preparer

Firm
Doeren Mayhew
Address
8785 SW 165TH AVENUE SUITE 303, MIAMI, FL 33193
Preparer
Aubrey Clegg
Phone
3052328272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Outside and professional services 310,778.”

Form 990, Part IX, Line 24E

“Collection expense 61,491.”

Form 990, Part XII, Line 2B

“The credit union engaged an independent accounting firm to audit the full financial statements as of and for the year ended december 31, 2024, but due to lack of predecessor auditor cooperation the auditors were unable to review the opening balances of the credit union as of january 1, 2024. Therefore, they were unable to satisfy themselves on the results of operations and cash flows for the year ended december 31, 2024. As a result, they did not express an opinion on the results of operations and cash flows of freedom northwest credit union for the year ended december 31, 2024. However, the auditors were able to obtain sufficient audit evidence to express an opinion on the statement of financial position as of december 31, 2024.”

Form 990, Part XII, Line 2C

“The credit union has a committee that assumes responsibility of the oversight of the audit and selection of the independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The credit union is exempt, under internal revenue code 501(c)(14), from federal and state income taxes.”

Raw XML AppendixShowing 400 of 679 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/Form990PartVIISectionAGrp/OtherCompensationAmt1260094
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1332176
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1436667
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1532567
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1641194
IRS990/Form990PartVIISectionAGrp/PersonNm0TINA ULMER
IRS990/Form990PartVIISectionAGrp/PersonNm1BETTY CLONIGER
IRS990/Form990PartVIISectionAGrp/PersonNm2CARMON HENRY
IRS990/Form990PartVIISectionAGrp/PersonNm3RODNEY KROGH
IRS990/Form990PartVIISectionAGrp/PersonNm4ADAM MCMURTRIE
IRS990/Form990PartVIISectionAGrp/PersonNm5KEVIN STEERE
IRS990/Form990PartVIISectionAGrp/PersonNm6DAN TRANKLE
IRS990/Form990PartVIISectionAGrp/PersonNm7GREGORY S GARRETT
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES DAVY
IRS990/Form990PartVIISectionAGrp/PersonNm9CHAD N SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm10DON C BELISLE
IRS990/Form990PartVIISectionAGrp/PersonNm11CINDY CHILDERS
IRS990/Form990PartVIISectionAGrp/PersonNm12DAN MCFETRIDGE
IRS990/Form990PartVIISectionAGrp/PersonNm13ARA LYCAN
IRS990/Form990PartVIISectionAGrp/PersonNm14TYLER PRESBY
IRS990/Form990PartVIISectionAGrp/PersonNm15BRADY KING
IRS990/Form990PartVIISectionAGrp/PersonNm16KIMBERLEY SULLIVAN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7430465
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8149358
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9216077
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10258870
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11117385
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12235579
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt13102638
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt14124026
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt15104500
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt16101908
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt160
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOD VICECHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOD TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOD CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOD SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt7CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8CIO
IRS990/Form990PartVIISectionAGrp/TitleTxt9CLO
IRS990/Form990PartVIISectionAGrp/TitleTxt10CFO
IRS990/Form990PartVIISectionAGrp/TitleTxt11COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt13LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt14LOAN OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt15IT MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt16LOAN ASSISTANT
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01963
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt051973
IRS990/GainOrLossGrp/SecuritiesAmt0114050
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt035000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt0122972
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd01
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0254576
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt027648190
IRS990/GrossReceiptsAmt068804167
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0132759
IRS990/InsuranceGrp/TotalAmt0109816
IRS990/InterestGrp/TotalAmt019484611
IRS990/InvestmentIncomeGrp/ExclusionAmt04182213
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt04182213
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt03556800
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt03761400
IRS990/InvestmentsPubTradedSecGrp/BOYAmt090663993
IRS990/InvestmentsPubTradedSecGrp/EOYAmt030430074
IRS990/IRPDocumentCnt04827
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03657683
IRS990/LandBldgEquipBasisNetGrp/BOYAmt08417296
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08521701
IRS990/LandBldgEquipCostOrOtherBssAmt012179384
IRS990/LegalDomicileStateCd0ID
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0202603
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt027534140
IRS990/LoanOutstandingInd01
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0PROMOTING THE FINANCIAL WELL-BEING OF MEMBERS BY PROVIDING LOAN AND SAVINGS SERVICES AT COMPETITIVE RATES.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt072400000
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt075400000
IRS990/NetAssetsOrFundBalancesBOYAmt056282344
IRS990/NetAssetsOrFundBalancesEOYAmt067722857
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0166023
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0166023
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-572709
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0108238
IRS990/OfficeExpensesGrp/TotalAmt01103329
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07088786
IRS990/OtherAssetsTotalGrp/EOYAmt07101965
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01174128
IRS990/OtherExpensesGrp/Desc0CREDIT/DEBIT CARD EXPEN
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2MISCELANOUS EXPENSE
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt0821967
IRS990/OtherExpensesGrp/TotalAmt1436000
IRS990/OtherExpensesGrp/TotalAmt2304637
IRS990/OtherExpensesGrp/TotalAmt3100202
IRS990/OtherLiabilitiesGrp/BOYAmt0481449056
IRS990/OtherLiabilitiesGrp/EOYAmt0440057856
IRS990/OtherSalariesAndWagesGrp/TotalAmt02338856
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0448407999
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0490290985
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0284093
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01054130
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01098601
IRS990/PrincipalOfficerNm0GREGORY S GARRET
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2520000
IRS990/ProgramServiceRevenueGrp/BusinessCd3540000
IRS990/ProgramServiceRevenueGrp/Desc0LOANS TO MEMBERS
IRS990/ProgramServiceRevenueGrp/Desc1FEES, CHARGES, OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FINANCE AND INSURANCE
IRS990/ProgramServiceRevenueGrp/Desc3REAL ESTATE AND RENTAL AND LEASIN
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt033140416
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13517496
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt033140416
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13517496
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt257556
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33720
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt057556
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt13720
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt0150365
IRS990/PYInvestmentIncomeAmt04506567
IRS990/PYOtherExpensesAmt019060427
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt031272234
IRS990/PYRevenuesLessExpensesAmt011810654
IRS990/PYSalariesCompEmpBnftPaidAmt04757355
IRS990/PYTotalExpensesAmt023968147
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt035778801
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt011310762
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt011512143
IRS990/ReconcilationRevenueExpnssAmt012013222
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt056282344
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt067722857
IRS990/SavingsAndTempCashInvstGrp/BOYAmt041374762
IRS990/SavingsAndTempCashInvstGrp/EOYAmt033760955
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt05400457
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01404730
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06805187
IRS990ScheduleD/EquipmentGrp/BookValueAmt01626311
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02252953
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03879264
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt01494933
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01494933
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt033988788
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt146585481
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt234491172
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31437244
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4323555171
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFT ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARE AND IRA CDS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS EXEMPT, UNDER INTERNAL REVENUE CODE 501(C)(14), FROM FEDERAL AND STATE INCOME TAXES.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08521701
IRS990ScheduleD/TotalLiabilityAmt0440057856
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt035000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIPS
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt06
IRS990ScheduleI/RecipientTable/CashGrantAmt00
IRS990ScheduleI/RecipientTable/CashGrantAmt10
IRS990ScheduleI/RecipientTable/CashGrantAmt20
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(C)(3)
IRS990ScheduleI/RecipientTable/IRCSectionDesc1GOVERNMENT
IRS990ScheduleI/RecipientTable/IRCSectionDesc2501(C)(3)
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt011700
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt18095
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt225610
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0CONTRIBUTIONS IN SUPPORT LOCAL SCHOOL
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1COMMUNITY DEVELOPMENT
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt2CONTRIBUTIONS IN SUPPORT LOCAL SCHOOL
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0CLEARWATER VALLEY JRSR HIGH SCHOOL

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