Civic Intelligence

White Pine Credit Union

990 • Fiscal year 2016 • EIN 82-6011939

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 15, 2017

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

7th percentile

0.02x

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

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Liabilities / Revenue

9th percentile

0.33x

Higher debt load relative to revenue than 9% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Net Margin

48th percentile

4.4%

Higher net margin than 48% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Top Officer Pay

34th percentile

$46,000

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 12.3% of source-year revenue.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2016

Asset Growth

27th percentile

-2.8%

Faster asset growth than 27% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Revenue Growth

10th percentile

-7.9%

Faster revenue growth than 10% of similar nonprofits.

2016 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets7th percentile

Assets

Down

$7,739,918

Down $219,278 (-2.8%) from 2015

Net Assets

Down

$7,617,917

Down $290,389 (-3.7%) from 2015

Liabilities

Up

$122,001

Up $71,111 (+140%) from 2015

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin48th percentile

Revenue

Down

$373,602

Down $32,232 (-7.9%) from 2015

Expenses

Down

$357,330

Down $25,343 (-6.6%) from 2015

Net Income

Down

$16,272

Down $6,889 (-30%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth27th 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

2016

Assets$7,739,918
Liabilities$122,001
Net Assets$7,617,917
Open 2016 Filing

Operations Trend

Revenue Growth10th 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

2016

Revenue$373,602
Expenses$357,330
Net Income$16,272
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 15, 2017
Return Version
2016v3.0
Gross Receipts
$373,602
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$6,885,754$6,579,093▼ $306,661
Other Notes and Loans Receivable, Net$5,631,584$4,866,581▼ $765,003
Savings and Temporary Cash Investments$1,761,705$2,357,872▲ $596,167
Rtn Earn Endowment Incm Other Fnds$1,022,552$1,038,824▲ $16,272
Cash and Non-Interest-Bearing Accounts$328,176$324,404▼ $3,772
Land, Buildings, and Equipment, Net$130,344$121,718▼ $8,626
Prepaid Expenses and Deferred Charges$12,658$12,737▲ $79
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$7,959,196$7,739,918▼ $219,278
Other Assets Total$94,729$56,606▼ $38,123
Liabilities
Accounts Payable and Accrued Expenses$50,890$122,001▲ $71,111
Total Liabilities$50,890$122,001▲ $71,111
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,908,306$7,617,917▼ $290,389
Total Liabilities and Net Assets / Fund Balance$7,959,196$7,739,918▼ $219,278

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$65,509$20,885$0
Other Land Buildings$0$0$0
Land$12,486-$0
Equipment$41,203$107,002$0
Leasehold Improvements$2,520$32,388$0
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Glenda J HartPresident/CEOFT$46,000$46,000

Board Members and Trustees

NameTitle
Mitch JaredChairman of the Board
Greg GerotVice Chairman
Kevin Schmiddirector
Melissa Malonedirector
Reid Mintonyedirector
Vianna Marshalldirector
Lori McMillinSecretary
Linda K SmithTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$356,983
Investment Income
$16,619
Other Revenue
$0
Change in Net Assets
$16,272
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$201,208
Salaries, Compensation, and Employee Benefits$156,122
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$89,932
Office Expenses---$75,170
Current Officers, Directors, Trustees, and Key Employees---$46,000
Information Technology---$22,306
Depreciation Depletion---$21,093
Occupancy---$16,625
Insurance---$12,384
Payroll Taxes---$12,008
Pension Plan Contributions---$7,137
Fees for Services Accounting---$6,383
Other Expenses---$6,010
Advertising---$4,762
All Other Expenses---$3,129
Other Employee Benefits---$1,045
Conferences and Meetings---$713
Total Functional Expenses$0$0$0$357,330
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
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 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 governing board of directors.”

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

“The CEO prepares form 990 and then submits it to the BOD 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 each month.”

Form 990, Part VI, Section B, Line 15

“Idaho Credit Union League makes available credit union salary information for the State of Idaho and thru CUNA national information based on asset size.”

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
2017-03-15

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 Appendix391 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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IRS990ScheduleD/LandGrp/BookValueAmt012486
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt012486
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt02520
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt032388
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt034908
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0121718
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 governing board of directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The CEO prepares form 990 and then submits it to the BOD 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 each month.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Idaho Credit Union League makes available credit union salary information for the State of Idaho and thru CUNA national information based on asset size.
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/TotalAssetsBOYAmt07959196
IRS990/TotalAssetsEOYAmt07739918
IRS990/TotalAssetsGrp/BOYAmt07959196
IRS990/TotalAssetsGrp/EOYAmt07739918
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0357330
IRS990/TotalGrossUBIAmt0976
IRS990/TotalLiabilitiesBOYAmt050890
IRS990/TotalLiabilitiesEOYAmt0122001
IRS990/TotalLiabilitiesGrp/BOYAmt050890
IRS990/TotalLiabilitiesGrp/EOYAmt0122001
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07908306
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07617917
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0976
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt0976
IRS990/TotalProgramServiceExpensesAmt0320250
IRS990/TotalProgramServiceRevenueAmt0356983
IRS990/TotalReportableCompFromOrgAmt046000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0372626
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0373602
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0976
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07959196
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07739918
IRS990/TotReportableCompRltdOrgAmt00
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/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Glenda J Hart
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02084642844
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-03-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WHITE PINE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WHIT
ReturnHeader/Filer/EIN0826011939
ReturnHeader/Filer/PhoneNum02084642844
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 266
ReturnHeader/Filer/USAddress/CityNm0Pierce
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ID
ReturnHeader/Filer/USAddress/ZIPCd083546
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt064.126.184.96
ReturnHeader/ReturnTs02017-03-10T13:52:50-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,739,918
Liabilities
$122,001
Net assets
$7,617,917
Revenue
$373,602
Expenses
$357,330
Net income
$16,272
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