Civic Intelligence

Simplot Employees Credit Union

990 • Fiscal year 2014 • EIN 82-0374112

Jan 01, 2014 to Dec 31, 2014 • Filed on May 11, 2015

Organization ProfileWWW.SIMPLOTCU.COM
PO Box 190Caldwell, ID 83606

(208) 454-4295

Siviq Scores

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

Liabilities / Assets

8th percentile

0.01x

Higher debt load relative to assets than 8% of similar nonprofits.

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

Liabilities / Revenue

7th percentile

0.12x

Higher debt load relative to revenue than 7% of similar nonprofits.

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

Net Margin

21st percentile

-2.0%

Higher net margin than 21% 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

76th percentile

4.5%

Faster asset growth than 76% of similar nonprofits.

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

Revenue Growth

3rd percentile

-13%

Faster revenue growth than 3% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets8th percentile

Assets

Up

$19,165,011

Up $828,455 (+4.5%) from 2013

Net Assets

Up

$19,068,280

Up $819,227 (+4.5%) from 2013

Liabilities

Up

$96,731

Up $9,228 (+11%) from 2013

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin21st percentile

Revenue

Down

$798,302

Down $117,200 (-13%) from 2013

Expenses

Down

$814,185

Down $62,958 (-7.2%) from 2013

Net Income

Down

-$15,883

Down $54,242 (-141%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth76th percentile

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

$30M$20M$10M$0-$10MAssets 2010: $18,494,473Liabilities 2010: $110,016Net Assets 2010: $18,384,4572010Assets 2011: $18,228,101Liabilities 2011: $144,807Net Assets 2011: $18,083,2942011Assets 2012: $18,861,800Liabilities 2012: $111,173Net Assets 2012: $18,750,6272012Assets 2013: $18,336,556Liabilities 2013: $87,503Net Assets 2013: $18,249,0532013Assets 2014: $19,165,011Liabilities 2014: $96,731Net Assets 2014: $19,068,2802014Assets 2015: $18,697,585Liabilities 2015: $22,480Net Assets 2015: $18,675,1052015Assets 2016: $19,565,976Liabilities 2016: -$7,187Net Assets 2016: $19,573,1632016Assets 2017: $20,021,912Liabilities 2017: $17,238Net Assets 2017: $20,004,6742017Assets 2018: $20,471,389Liabilities 2018: $11,891Net Assets 2018: $20,459,4982018Assets 2019: $20,522,777Liabilities 2019: $28,434Net Assets 2019: $20,494,3432019Assets 2020: $21,304,974Liabilities 2020: $31,895Net Assets 2020: $21,273,0792020Assets 2021: $22,977,752Liabilities 2021: $34,834Net Assets 2021: $22,942,9182021Assets 2022: $21,738,019Liabilities 2022: $26,426Net Assets 2022: $21,711,5932022

Highlighted filing

2014

Assets$19,165,011
Liabilities$96,731
Net Assets$19,068,280
Open 2014 Filing

Operations Trend

Revenue Growth3rd percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,045,5242010Expenses 2011: $965,9392011Expenses 2012: $935,4952012Revenue 2013: $915,502Expenses 2013: $877,143Net Income 2013: $38,3592013Revenue 2014: $798,302Expenses 2014: $814,185Net Income 2014: -$15,8832014Revenue 2015: $787,580Expenses 2015: $947,320Net Income 2015: -$159,7402015Revenue 2016: $850,611Expenses 2016: $673,999Net Income 2016: $176,6122016Revenue 2017: $960,721Expenses 2017: $992,890Net Income 2017: -$32,1692017Revenue 2018: $1,097,837Expenses 2018: $947,790Net Income 2018: $150,0472018Revenue 2019: $1,163,981Expenses 2019: $1,038,185Net Income 2019: $125,7962019Revenue 2020: $1,076,599Expenses 2020: $1,036,174Net Income 2020: $40,4252020Revenue 2021: $960,278Expenses 2021: $1,055,044Net Income 2021: -$94,7662021Revenue 2022: $1,023,387Expenses 2022: $1,453,196Net Income 2022: -$429,8092022

Highlighted filing

2014

Revenue$798,302
Expenses$814,185
Net Income-$15,883
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 11, 2015
Return Version
2014v5.0
Gross Receipts
$798,302
Mission and Program Overview

Mission

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$15,203,284$16,044,223▲ $840,939
Other Notes and Loans Receivable, Net$10,480,845$10,218,602▼ $262,243
Savings and Temporary Cash Investments$7,465,824$8,564,597▲ $1,098,773
Rtn Earn Endowment Incm Other Fnds$3,045,769$3,024,057▼ $21,712
Cash and Non-Interest-Bearing Accounts$62,388$95,713▲ $33,325
Land, Buildings, and Equipment, Net$81,786$40,591▼ $41,195
Total Assets$18,336,556$19,165,011▲ $828,455
Other Assets Total$245,713$245,508▼ $205
Liabilities
Other Liabilities$36,573$55,983▲ $19,410
Accounts Payable and Accrued Expenses$50,930$40,748▼ $10,182
Total Liabilities$87,503$96,731▲ $9,228
Net Assets / Fund Balance
Total Net Assets Fund Balance$18,249,053$19,068,280▲ $819,227
Total Liabilities and Net Assets / Fund Balance$18,336,556$19,165,011▲ $828,455

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$30,400$192,779$223,179
Buildings$10,191-$10,191
Compensation and Service Providers
Top Officer Pay12th percentile

Board Members and Trustees

NameTitle
John WeaverChairman
Nicholas GuidingerVice Chairman
Dave JonesDirector
Randy HickmanDirector
Shellye WilsonDirector
Tom MillerDirector
Gary MabeSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$645,924
Investment Income
$41,615
Other Revenue
$110,763
Change in Net Assets
$-15,883
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$440,174
Salaries, Compensation, and Employee Benefits$374,011
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$304,673
Office Expenses---$132,397
Depreciation Depletion---$41,989
All Other Expenses---$37,140
Other Employee Benefits---$33,539
Occupancy---$28,585
Payroll Taxes---$27,601
Insurance---$27,257
Information Technology---$17,734
Other Expenses---$10,484
Conferences and Meetings---$10,228
Pension Plan Contributions---$8,198
Fees for Services Accounting---$6,159
Travel---$5,697
Advertising---$5,394
Fees for Services Other---$1,540
Total Functional Expenses$0$0$0$814,185
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
Federal income taxes$55,983
Accrued Dividends and Interest Payable-
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
No
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 B, Line 11

“All board members received an electronic copy of the form 990. Comments and questions from the board members were answered and resolved by credit union operations and accounting staff.”

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. The board of directors conducts the evaluation of the ceo and the ceo conducts the evaluations for all officers and key employees.”

Form 990, Part VI, Section C, Line 19

“Documents are made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Simplot Employees Credit Union
EIN
82-0374112
Phone
2084544295
Address
PO BOX 190, CALDWELL, ID 83606

Signing Officer

Name
Valerie J Brooks
Title
Ceomanager
Signed
2015-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Valerie J Brooks
Formed
1956
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
11

Preparer

Firm
Sanders and Associates PLLC
Address
10400 W Overland Road PMB 340, Boise, ID 83709-1449
Preparer
Terri Sanders
Phone
2086398190
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in member shares 835,110”

Raw XML Appendix365 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0CONSUMER LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1CONSUMER LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2CONSUMER LOAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt022677
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt12825
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt227869
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0GARY MABE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1PATRICIA HICKMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2VALERIE BROOKS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1DIRECTOR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/TotalBalanceDueAmt026924
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ALL DEPOSITORS ARE MEMBERS OF THE CREDIT UNION
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS FROM THE GENERAL MEMBERSHIP AT THE ANNUAL MEETING EACH YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL BOARD MEMBERS RECEIVED AN ELECTRONIC COPY OF THE FORM 990. COMMENTS AND QUESTIONS FROM THE BOARD MEMBERS WERE ANSWERED AND RESOLVED BY CREDIT UNION OPERATIONS AND ACCOUNTING STAFF.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3CONFLICTS 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.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FORMAL ANNUAL WRITTEN REVIEWS ARE CONDUCTED. THE BOARD OF DIRECTORS CONDUCTS THE EVALUATION OF THE CEO AND THE CEO CONDUCTS THE EVALUATIONS FOR ALL OFFICERS AND KEY EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5DOCUMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6CHANGE IN MEMBER SHARES 835,110
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 11
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt018336556
IRS990/TotalAssetsEOYAmt019165011
IRS990/TotalAssetsGrp/BOYAmt018336556
IRS990/TotalAssetsGrp/EOYAmt019165011
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/TotalAmt0814185
IRS990/TotalGrossUBIAmt037714
IRS990/TotalLiabilitiesBOYAmt087503
IRS990/TotalLiabilitiesEOYAmt096731
IRS990/TotalLiabilitiesGrp/BOYAmt087503
IRS990/TotalLiabilitiesGrp/EOYAmt096731
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt018249053
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt019068280
IRS990/TotalProgramServiceRevenueAmt0645924
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0760588
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0798302
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt037714
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt018336556
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt019165011
IRS990/TravelGrp/TotalAmt05697
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 1059
IRS990/USAddress/CityNm0CALDWELL
IRS990/USAddress/StateAbbreviationCd0ID
IRS990/USAddress/ZIPCd083606
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.SIMPLOTCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0VALERIE J BROOKS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEOMANAGER
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0SIMPLOT EMPLOYEES CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0SIMP
ReturnHeader/Filer/EIN0820374112
ReturnHeader/Filer/PhoneNum02084544295
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 190
ReturnHeader/Filer/USAddress/CityNm0CALDWELL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ID
ReturnHeader/Filer/USAddress/ZIPCd083606
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Sanders and Associates PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010400 W Overland Road PMB 340
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Boise
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ID
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0837091449
ReturnHeader/PreparerPersonGrp/PhoneNum02086398190
ReturnHeader/PreparerPersonGrp/PreparationDt02015-05-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Terri Sanders
ReturnHeader/ReturnTs02015-05-11T07:47:16-00:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$19,165,011
Liabilities
$96,731
Net assets
$19,068,280
Revenue
$798,302
Expenses
$814,185
Net income
-$15,883
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Detailed filing. Detailed filing data is available for this year.$21.7$0.03$21.7$1.02$1.45$0.43
2021Detailed filing. Detailed filing data is available for this year.$23.0$0.03$22.9$0.96$1.06$0.09
2020Detailed filing. Detailed filing data is available for this year.$21.3$0.03$21.3$1.08$1.04$0.04
2019Detailed filing. Detailed filing data is available for this year.$20.5$0.03$20.5$1.16$1.04$0.13
2018Detailed filing. Detailed filing data is available for this year.$20.5$0.01$20.5$1.10$0.95$0.15
2017Detailed filing. Detailed filing data is available for this year.$20.0$0.02$20.0$0.96$0.99$0.03
2016Detailed filing. Detailed filing data is available for this year.$19.6$0.01$19.6$0.85$0.67$0.18
2015Detailed filing. Detailed filing data is available for this year.$18.7$0.02$18.7$0.79$0.95$0.16
2014Detailed filing. Detailed filing data is available for this year.$19.2$0.10$19.1$0.80$0.81$0.02
2013Detailed filing. Detailed filing data is available for this year.$18.3$0.09$18.2$0.92$0.88$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.9$0.11$18.8$0.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.2$0.14$18.1$0.97
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.5$0.11$18.4$1.05