Civic Intelligence

White Pine Credit Union

990 • Fiscal year 2015 • EIN 82-6011939

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 21, 2016

Organization Profilewww.whitepinecu.com

View Organization Page

PO Box 266Pierce, ID 83546

(208) 464-2844

Siviq Scores

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

Liabilities / Assets

6th percentile

0.01x

Higher debt load relative to assets than 6% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

7th percentile

0.13x

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

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

58th percentile

5.7%

Higher net margin than 58% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

21st percentile

$28,450

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 7.0% of source-year revenue.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

20th percentile

-3.1%

Faster asset growth than 20% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2015

Revenue Growth

33rd percentile

-3.2%

Faster revenue growth than 33% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2015

Balance Sheet
Liabilities / Assets6th percentile

Assets

Down

$7,959,196

Down $786,919 (-9.0%) from 2012

Net Assets

Down

$7,908,306

Down $801,498 (-9.2%) from 2012

Liabilities

Up

$50,890

Up $14,578 (+40%) from 2012

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin58th percentile

Revenue

Down

$405,834

Down $41,138 (-9.2%) from 2012

Expenses

Up

$382,673

Up $86,094 (+29%) from 2012

Net Income

Down

$23,161

Down $127,232 (-85%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth20th percentile

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

$10M$5.0M$0Assets 2011: $8,698,342Liabilities 2011: $59,543Net Assets 2011: $8,638,7992011Assets 2012: $8,746,115Liabilities 2012: $36,312Net Assets 2012: $8,709,8042012Assets 2015: $7,959,196Liabilities 2015: $50,890Net Assets 2015: $7,908,3062015Assets 2016: $7,739,918Liabilities 2016: $122,001Net Assets 2016: $7,617,9172016Assets 2017: $8,091,427Liabilities 2017: $36,919Net Assets 2017: $8,054,5082017Assets 2018: $0Liabilities 2018: $0Net Assets 2018: $02018

Highlighted filing

2015

Assets$7,959,196
Liabilities$50,890
Net Assets$7,908,306
Open 2015 Filing

Operations Trend

Revenue Growth33rd percentile

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

$600K$400K$200K$0-$200KRevenue 2011: $541,209Expenses 2011: $318,714Net Income 2011: $222,4952011Revenue 2012: $446,972Expenses 2012: $296,579Net Income 2012: $150,3932012Revenue 2015: $405,834Expenses 2015: $382,673Net Income 2015: $23,1612015Revenue 2016: $373,602Expenses 2016: $357,330Net Income 2016: $16,2722016Revenue 2017: $357,819Expenses 2017: $370,697Net Income 2017: -$12,8782017Revenue 2018: $0Expenses 2018: $0Net Income 2018: $02018

Highlighted filing

2015

Revenue$405,834
Expenses$382,673
Net Income$23,161
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 21, 2016
Return Version
2015v2.1
Gross Receipts
$425,404
Mission and Program Overview

Mission

Promoted the Financial well-being of our members by providing loans and savings services at compatible rates.

White Pine Credit Union is a not-for-profit member owned financial organization. We provide services to benefit the members, while maintaining a balance between financial stability and growth.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$7,047,074$6,885,754▼ $161,320
Other Notes and Loans Receivable, Net$5,873,517$5,631,584▼ $241,933
Savings and Temporary Cash Investments$1,707,308$1,761,705▲ $54,397
Rtn Earn Endowment Incm Other Fnds$986,302$1,022,552▲ $36,250
Cash and Non-Interest-Bearing Accounts$307,597$328,176▲ $20,579
Land, Buildings, and Equipment, Net$126,362$130,344▲ $3,982
Prepaid Expenses and Deferred Charges$39,413$12,658▼ $26,755
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$8,128,893$7,959,196▼ $169,697
Other Assets Total$74,696$94,729▲ $20,033
Liabilities
Accounts Payable and Accrued Expenses$95,517$50,890▼ $44,627
Total Liabilities$95,517$50,890▼ $44,627
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,033,376$7,908,306▼ $125,070
Total Liabilities and Net Assets / Fund Balance$8,128,893$7,959,196▼ $169,697

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$67,418$18,976$0
Other Land Buildings$0$0$0
Land$12,486-$0
Equipment$47,162$91,867$0
Leasehold Improvements$3,278$29,920$0
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Glenda J HartPresident/CEOFT$28,450$28,450
Diana HedrickCEOFT$20,442$20,442

Board Members and Trustees

NameTitle
Mitch JaredChairman of the Board
Melissa MaloneVice Chairman
Kevin Schmiddirector
Linda K SmithDirector
Reid Mintonyedirector
Lori McMillinSecretary
Gerald BonuraTreaslurer
Greg GerotTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$394,182
Investment Income
$11,652
Other Revenue
$0
Change in Net Assets
$23,161
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$233,878
Salaries, Compensation, and Employee Benefits$148,795
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$85,637
Office Expenses---$72,679
Current Officers, Directors, Trustees, and Key Employees---$48,892
Information Technology---$27,274
Occupancy---$20,117
Depreciation Depletion---$15,096
Insurance---$12,456
Fees for Services Management---$11,632
Payroll Taxes---$9,286
Other Expenses---$7,688
Fees for Services Other---$7,558
Fees for Services Accounting---$6,950
All Other Expenses---$6,146
Advertising---$3,668
Pension Plan Contributions---$2,872
Fees for Services Legal---$2,560
Other Employee Benefits---$2,108
Travel---$657
Conferences and Meetings---$198
Total Functional Expenses$0$0$0$382,673
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All who belong to White Pine Credit Union are "Members"”

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

“Each member of White Pine Credit Union has one vote to elect the governing board of directors.”

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

“The CEO prepares form 990 and then submits it to the Board of Directors for review and comments at a regularly scheduled meeting prior to filing the report.”

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

“Conflict of interest compliance would be discussed at regular board meetings which take place on the third Wednesday of every month.”

Form 990, Part VI, Section B, Line 15

“Idaho Credit Union League makes available credit union salary information for the State of Idaho.”

Form 990, Part VI, Section C, Line 19

“The documents required to be made available for public viewing are available at the Credit Union office at 201 S Main, Pierce, Idaho, during business hours.”

Filing and Contact Details

Filer

Filer Name
White Pine Credit Union
EIN
82-6011939
Phone
2084642844
Address
PO Box 266, Pierce, ID 83546

Signing Officer

Name
Glenda J Hart
Title
President/CEO
Phone
2084642844
Signed
2016-03-21

Organization Details

Principal Officer
Glenda J Hart
Formed
1964
Legal Domicile
Id
Voting Board Members
7
Independent Board Members
7
Employees
4
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Reduction of deposits from members savings, IRA's, CD's, and checking accounts.”

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/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt05000
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0986302
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01022552
IRS990/SavingsAndTempCashInvstGrp/BOYAmt01707308
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01761705
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt067418
IRS990ScheduleD/BuildingsGrp/DepreciationAmt018976
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt086394
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt047162
IRS990ScheduleD/EquipmentGrp/DepreciationAmt091867
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0139029
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt012486
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt012486
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt03278
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt029920
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt033198
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0130344
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0All who belong to White Pine Credit Union are "Members"
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Each member of White Pine Credit Union has one vote to elect the governing board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The CEO prepares form 990 and then submits it to the Board of Directors for review and comments at a regularly scheduled meeting prior to filing the report.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Conflict of interest compliance would be discussed at regular board meetings which take place on the third Wednesday of every month.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Idaho Credit Union League makes available credit union salary information for the State of Idaho.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5The documents required to be made available for public viewing are available at the Credit Union office at 201 S Main, Pierce, Idaho, during business hours.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Reduction of deposits from members savings, IRA's, CD's, and checking accounts.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0ID
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt08128893
IRS990/TotalAssetsEOYAmt07959196
IRS990/TotalAssetsGrp/BOYAmt08128893
IRS990/TotalAssetsGrp/EOYAmt07959196
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0382673
IRS990/TotalGrossUBIAmt0761
IRS990/TotalLiabilitiesBOYAmt095517
IRS990/TotalLiabilitiesEOYAmt050890
IRS990/TotalLiabilitiesGrp/BOYAmt095517
IRS990/TotalLiabilitiesGrp/EOYAmt050890
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08033376
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07908306
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0761
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt0761
IRS990/TotalProgramServiceExpensesAmt0330000
IRS990/TotalProgramServiceRevenueAmt0394182
IRS990/TotalReportableCompFromOrgAmt048892
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0405073
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0405834
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0761
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08128893
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07959196
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0657
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 266
IRS990/USAddress/AddressLine2Txt0201 S Main St
IRS990/USAddress/CityNm0Pierce
IRS990/USAddress/StateAbbreviationCd0ID
IRS990/USAddress/ZIPCd083546
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.whitepinecu.com
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Glenda J Hart
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02084642844
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-03-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WHITE PINE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WHIT

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,959,196
Liabilities
$50,890
Net assets
$7,908,306
Revenue
$405,834
Expenses
$382,673
Net income
$23,161
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2018Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$0.00$0.00$0.00
2017Detailed filing. Detailed filing data is available for this year.$8.09$0.04$8.05$0.36$0.37$0.01
2016Detailed filing. Detailed filing data is available for this year.$7.74$0.12$7.62$0.37$0.36$0.02
2015Detailed filing. Detailed filing data is available for this year.$7.96$0.05$7.91$0.41$0.38$0.02
2012Summary only. Only limited summary data is available for this year.$8.75$0.04$8.71$0.45$0.30$0.15
2011Summary only. Only limited summary data is available for this year.$8.70$0.06$8.64$0.54$0.32$0.22