Liabilities / Assets
90th percentile
Higher debt load relative to assets than 90% of similar nonprofits.
Idaho United Credit Union
990 • Fiscal year 2013 • EIN 82-0343410
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.92x
Liabilities / Revenue
25th percentile
Higher debt load relative to revenue than 25% of similar nonprofits.
Net Margin
28th percentile
Higher net margin than 28% of similar nonprofits.
Top Officer Pay
74th percentile
Higher top officer pay than 74% of similar nonprofits.
Top officer pay equals 7.4% of source-year revenue.
Asset Growth
27th percentile
Faster asset growth than 27% of similar nonprofits.
Revenue Growth
Score unavailable
No earlier valid filing was available within the previous three public years.
Balance Sheet
Assets
Down$27,151,441
Down $180,895 (-0.7%) from 2012
Net Assets
Up$2,152,015
Up $16,322 (+0.8%) from 2012
Liabilities
Down$24,999,426
Down $197,217 (-0.8%) from 2012
Revenue And Expenses
Revenue
$1,556,685
No earlier filing loaded for comparison.
Expenses
Up$1,540,363
Up $189,190 (+14%) from 2012
Net Income
$16,322
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2013 to Dec 31, 2013
- Signed
- Mar 14, 2015
- Return Version
- 2013v4.0
- Gross Receipts
- $1,572,930
Mission and Program Overview
Mission
Idaho united is a progessive, member-owned credit union providing essential financial services in a convenient manner with a personal touch.
To operate without profit and to provide reserve funds for loans to members at reasonable rates.
Balance Sheet Detail
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $16,726,919 | $19,552,112 | ▲ $2,825,193 |
| Savings and Temporary Cash Investments | $7,713,844 | $4,667,166 | ▼ $3,046,678 |
| Rtn Earn Endowment Incm Other Fnds | $2,135,693 | $2,152,015 | ▲ $16,322 |
| Cash and Non-Interest-Bearing Accounts | $1,299,324 | $1,268,192 | ▼ $31,132 |
| Land, Buildings, and Equipment, Net | $1,074,159 | $1,052,229 | ▼ $21,930 |
| Prepaid Expenses and Deferred Charges | $99,761 | $223,527 | ▲ $123,766 |
| Investments in Publicly Traded Securities | $45,043 | $27,525 | ▼ $17,518 |
| Accounts Receivable | $2,858 | $0 | ▼ $2,858 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $27,332,336 | $27,151,441 | ▼ $180,895 |
| Other Assets Total | $370,428 | $360,690 | ▼ $9,738 |
| Liabilities | |||
| Other Liabilities | $25,082,592 | $24,777,174 | ▼ $305,418 |
| Accounts Payable and Accrued Expenses | $114,051 | $222,252 | ▲ $108,201 |
| Total Liabilities | $25,196,643 | $24,999,426 | ▼ $197,217 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,135,693 | $2,152,015 | ▲ $16,322 |
| Total Liabilities and Net Assets / Fund Balance | $27,332,336 | $27,151,441 | ▼ $180,895 |
Asset Categories
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $580,606 | $271,443 | $852,049 |
| Equipment | $105,893 | $355,710 | $461,603 |
| Land | $317,783 | - | $317,783 |
| Other Land Buildings | $8,056 | $209,171 | $217,227 |
| Leasehold Improvements | $39,891 | $82,530 | $122,421 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Gary Skeen | President/CEO | FT | $88,175 | $26,685 | $114,860 |
Board Members and Trustees
| Name | Title |
|---|---|
| Rich Hahn | Chairperson |
| Ron Meyers | Vice Chair |
| Ben Hepler | Board Member |
| Jonna Ipsen | Board Member |
| Tim Olson | Board Member |
| Camille Cegnar | Secretary |
| Mike Polito | Treasurer |
Revenue and Support
Revenue Composition
- Contributions and Grants
- $0
- Program Service Revenue
- $1,553,114
- Investment Income
- $3,571
- Other Revenue
- $0
- Change in Net Assets
- $16,322
Expenses and Functional Allocation
Major Expense Lines
| Line Item | Amount |
|---|---|
| Other Expenses | $891,408 |
| Salaries, Compensation, and Employee Benefits | $648,955 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
Functional Expense Allocation
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $341,361 |
| Royalties | - | - | - | $200,712 |
| Other Employee Benefits | - | - | - | $156,919 |
| All Other Expenses | - | - | - | $124,015 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $114,860 |
| Occupancy | - | - | - | $54,211 |
| Depreciation Depletion | - | - | - | $52,303 |
| Other Expenses | - | - | - | $46,054 |
| Payroll Taxes | - | - | - | $35,815 |
| Advertising | - | - | - | $23,603 |
| Information Technology | - | - | - | $21,180 |
| Insurance | - | - | - | $20,900 |
| Fees for Services Other | - | - | - | $15,612 |
| Total Functional Expenses | $0 | $0 | $0 | $1,540,363 |
Fundraising, Events, and Gaming
- Fundraising activities
- No
- Gaming activities
- No
- Professional fundraiser used
- No
Fundraising and Gaming Totals
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
Political and Lobbying Activity
- Political campaign activity
- No
- Subject to proxy tax
- No
Debt and Bond Financing
Other Reported Liabilities
| Liability | Amount |
|---|---|
| Regular Shares | $18,086,429 |
| Share Drafts | $4,588,231 |
| Share Certificates | $1,894,349 |
| Ira/keogh Accounts | $208,165 |
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
- 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 1
“The organization has a supervisory committee composed of 3 individuals with authority to act on behalf of the governing body. The supervisory committee also has the authority to remove members of the governing body and to hire and oversee both the organization's examiner and auditor. This committee includes a member of the governing body.”
Form 990, Part VI, Section A, Line 6
“Each account holder is a member of the credit union.”
Form 990, Part VI, Section A, Line 7A
“The nominating committee is selected from credit union membership on an annual basis. The nominating committee then selects the board nominations who serve three year staggered terms. The nominating committee seeks to find a balanced board with skill sets such as accounting and legal.”
Form 990, Part VI, Section A, Line 7B
“The governing body is restricted from approving a merger, terminating the credit union and removing a member from membership without a membership vote.”
Form 990, Part VI, Section B, Line 11
“The form 990 was reviewed by the credit union ceo prior to filing; in addition, copies of the form 990 were provided to the board for review via email.”
Form 990, Part VI, Section B, Line 12C
“The credit union is a small credit union and meets regularly to review credit union operations. The board of directors and ceo are covered by the conflict of interest policy and any potential conflicts are discussed immediately at the board level. Any board member who is associated with the conflict of interest is required to remove themselves from the discussion and abstains from voting on the issue.”
Form 990, Part VI, Section B, Line 15
“The credit union performs a compensation study every few years using an independent consulting company and the cuna salary survey. This information is reported to the board and salary ranges are applied to the applicable positions to ensure that compensation is reasonable for the services provided. The review was last conducted in 2013.”
Form 990, Part VI, Section C, Line 19
“Financial statements are posted on the ncua.gov website and other documents are available by request.”
Filing and Contact Details
Filer
- EIN
- 82-0343410
- Phone
- 2083882138
Signing Officer
- Name
- Gary Skeen
- Title
- President/CEO
- Phone
- 2083882138
- Signed
- 2015-03-14
- Discuss with paid preparer
- Yes
Organization Details
- Principal Officer
- Gary Skeen
- Formed
- 1978
- Legal Domicile
- Id
- Voting Board Members
- 7
- Independent Board Members
- 7
- Employees
- 15
- Volunteers
- 9
Preparer
- Preparer
- Deb Nelson CPA
- Phone
- 2083447150
Supplemental Narrative
Additional Explanations
FORM 990, PART XII, LINE 2:
“The credit union is state regulated and federally insured. The national credit union administration (ncua) reviews the financial transactions of the credit union on a consistent basis.”
Raw XML Appendix367 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.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 114051 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 222252 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 2858 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 0 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | TO OPERATE WITHOUT PROFIT AND TO PROVIDE RESERVE FUNDS FOR LOANS TO MEMBERS AT REASONABLE RATES. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 23603 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 124015 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1 | 0 | THE ORGANIZATION |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 2083882138 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1 | 0 | 3103 E SAINT LUKES ST |
| IRS990/BooksInCareOfDetail/USAddress/City | 0 | MERIDIAN |
| IRS990/BooksInCareOfDetail/USAddress/State | 0 | ID |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCode | 0 | 83642 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 1299324 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1268192 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 114860 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 3571 |
| IRS990/CYOtherExpensesAmt | 0 | 891408 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1553114 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 16322 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 648955 |
| IRS990/CYTotalExpensesAmt | 0 | 1540363 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1556685 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 52303 |
| IRS990/Desc | 0 | PROMOTING THE FINANCIAL WELL-BEING AND THRIFT OF 5,696 MEMBERS BY PROVIDING LOAN AND SAVING SERVICES AT COMPETITIVE RATES. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 15 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 15612 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 26685 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | RICH HAHN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | RON MEYERS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | MIKE POLITO |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | CAMILLE CEGNAR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | TIM OLSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | BEN HEPLER |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | JONNA IPSEN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | GARY SKEEN |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 88175 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRPERSON |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | PRESIDENT/CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1978 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GainOrLossGrp/OtherAmt | 0 | -16245 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1572930 |
| IRS990/GroupExemptionNum | 0 | 1231 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 21180 |
| IRS990/InsuranceGrp/TotalAmt | 0 | 20900 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 19816 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 19816 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 45043 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 27525 |
| IRS990/IRPDocumentCnt | 0 | 350 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 918854 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1074159 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1052229 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1971083 |
| IRS990/LegalDomicileStateCd | 0 | ID |
| IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt | 0 | 16245 |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | IDAHO UNITED IS A PROGESSIVE, MEMBER-OWNED CREDIT UNION PROVIDING ESSENTIAL FINANCIAL SERVICES IN A CONVENIENT MANNER WITH A PERSONAL TOUCH. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2135693 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2152015 |
| IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt | 0 | -16245 |
| IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt | 0 | -16245 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 54211 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 370428 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 360690 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 156919 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | INDIRECT LENDING FEES & |
| IRS990/OtherExpensesGrp/Desc | 2 | PROCESSOR EXPENSE - VIS |
| IRS990/OtherExpensesGrp/Desc | 3 | ATM EXPENSE |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 144437 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 111111 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 77270 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 46054 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 25082592 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 24777174 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 341361 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 16726919 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 19552112 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 35815 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 99761 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 223527 |
| IRS990/PrincipalOfficerNm | 0 | GARY SKEEN |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEE INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1080692 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 441401 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 2 | 31021 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 1080692 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 441401 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 31021 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | -8719 |
| IRS990/PYOtherExpensesAmt | 0 | 724939 |
| IRS990/PYOtherRevenueAmt | 0 | 38045 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1664319 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 342472 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 626234 |
| IRS990/PYTotalExpensesAmt | 0 | 1351173 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1693645 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 16322 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RoyaltiesGrp/TotalAmt | 0 | 200712 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2135693 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2152015 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 7713844 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 4667166 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 580606 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 271443 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 852049 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 105893 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 355710 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 461603 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 317783 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 317783 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt | 0 | 39891 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt | 0 | 82530 |
| IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt | 0 | 122421 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 8056 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 209171 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 217227 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 4588231 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 1 | 18086429 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 2 | 1894349 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 3 | 208165 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | SHARE DRAFTS |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 1 | REGULAR SHARES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 2 | SHARE CERTIFICATES |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 3 | IRA/KEOGH ACCOUNTS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 1052229 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 24777174 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION HAS A SUPERVISORY COMMITTEE COMPOSED OF 3 INDIVIDUALS WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. THE SUPERVISORY COMMITTEE ALSO HAS THE AUTHORITY TO REMOVE MEMBERS OF THE GOVERNING BODY AND TO HIRE AND OVERSEE BOTH THE ORGANIZATION'S EXAMINER AND AUDITOR. THIS COMMITTEE INCLUDES A MEMBER OF THE GOVERNING BODY. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | EACH ACCOUNT HOLDER IS A MEMBER OF THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE NOMINATING COMMITTEE IS SELECTED FROM CREDIT UNION MEMBERSHIP ON AN ANNUAL BASIS. THE NOMINATING COMMITTEE THEN SELECTS THE BOARD NOMINATIONS WHO SERVE THREE YEAR STAGGERED TERMS. THE NOMINATING COMMITTEE SEEKS TO FIND A BALANCED BOARD WITH SKILL SETS SUCH AS ACCOUNTING AND LEGAL. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE GOVERNING BODY IS RESTRICTED FROM APPROVING A MERGER, TERMINATING THE CREDIT UNION AND REMOVING A MEMBER FROM MEMBERSHIP WITHOUT A MEMBERSHIP VOTE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE FORM 990 WAS REVIEWED BY THE CREDIT UNION CEO PRIOR TO FILING; IN ADDITION, COPIES OF THE FORM 990 WERE PROVIDED TO THE BOARD FOR REVIEW VIA EMAIL. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | THE CREDIT UNION IS A SMALL CREDIT UNION AND MEETS REGULARLY TO REVIEW CREDIT UNION OPERATIONS. THE BOARD OF DIRECTORS AND CEO ARE COVERED BY THE CONFLICT OF INTEREST POLICY AND ANY POTENTIAL CONFLICTS ARE DISCUSSED IMMEDIATELY AT THE BOARD LEVEL. ANY BOARD MEMBER WHO IS ASSOCIATED WITH THE CONFLICT OF INTEREST IS REQUIRED TO REMOVE THEMSELVES FROM THE DISCUSSION AND ABSTAINS FROM VOTING ON THE ISSUE. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE CREDIT UNION PERFORMS A COMPENSATION STUDY EVERY FEW YEARS USING AN INDEPENDENT CONSULTING COMPANY AND THE CUNA SALARY SURVEY. THIS INFORMATION IS REPORTED TO THE BOARD AND SALARY RANGES ARE APPLIED TO THE APPLICABLE POSITIONS TO ENSURE THAT COMPENSATION IS REASONABLE FOR THE SERVICES PROVIDED. THE REVIEW WAS LAST CONDUCTED IN 2013. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | FINANCIAL STATEMENTS ARE POSTED ON THE NCUA.GOV WEBSITE AND OTHER DOCUMENTS ARE AVAILABLE BY REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | THE CREDIT UNION IS STATE REGULATED AND FEDERALLY INSURED. THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA) REVIEWS THE FINANCIAL TRANSACTIONS OF THE CREDIT UNION ON A CONSISTENT BASIS. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 1 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 11 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | FORM 990, PART XII, LINE 2: |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 27332336 |
| IRS990/TotalAssetsEOYAmt | 0 | 27151441 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 27332336 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 27151441 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 15 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1540363 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 25196643 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 24999426 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 25196643 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 24999426 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2135693 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 2152015 |
| IRS990/TotalOtherCompensationAmt | 0 | 26685 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1553114 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 88175 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 3571 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1553114 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1556685 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 9 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 27332336 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 27151441 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1 | 0 | PO BOX 2268 |
| IRS990/USAddress/City | 0 | BOISE |
| IRS990/USAddress/State | 0 | ID |
| IRS990/USAddress/ZIPCode | 0 | 83701 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | WWW.IDAHOUNITED.ORG |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2016-02-25 16:41:14Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | GARY SKEEN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT/CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2083882138 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2015-03-14 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1 | 0 | IDAHO UNITED CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | IDAH |
| ReturnHeader/Filer/EIN | 0 | 820343410 |
| ReturnHeader/Filer/PhoneNum | 0 | 2083882138 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | PO BOX 2268 |
| ReturnHeader/Filer/USAddress/City | 0 | BOISE |
| ReturnHeader/Filer/USAddress/State | 0 | ID |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 83701 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 450250958 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1 | 0 | EIDE BAILLY LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1 | 0 | 877 W MAIN ST STE 800 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City | 0 | BOISE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State | 0 | ID |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode | 0 | 83702 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2083447150 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2015-03-14 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | DEB NELSON CPA |
| ReturnHeader/ReturnTs | 0 | 2015-03-14T10:57:32-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2013-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2013-12-31 |
| ReturnHeader/TaxYr | 0 | 2013 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Detailed filing. Detailed filing data is available for this year.
- Assets
- $27,151,441
- Liabilities
- $24,999,426
- Net assets
- $2,152,015
- Revenue
- $1,556,685
- Expenses
- $1,540,363
- Net income
- $16,322