Civic Intelligence

White Pine Credit Union

990 • Fiscal year 2017 • EIN 82-6011939

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 19, 2018

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

0.00x

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Liabilities / Revenue

7th percentile

0.10x

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Net Margin

21st percentile

-3.6%

Higher net margin than 21% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Top Officer Pay

32nd percentile

$44,100

Higher top officer pay than 32% of similar nonprofits.

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

2017 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2017

Asset Growth

75th percentile

4.5%

Faster asset growth than 75% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Revenue Growth

15th percentile

-4.2%

Faster revenue growth than 15% of similar nonprofits.

2017 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets6th percentile

Assets

Up

$8,091,427

Up $351,509 (+4.5%) from 2016

Net Assets

Up

$8,054,508

Up $436,591 (+5.7%) from 2016

Liabilities

Down

$36,919

Down $85,082 (-70%) from 2016

Revenue And Expenses
Liabilities / Revenue7th percentileNet Margin21st percentile

Revenue

Down

$357,819

Down $15,783 (-4.2%) from 2016

Expenses

Up

$370,697

Up $13,367 (+3.7%) from 2016

Net Income

Down

-$12,878

Down $29,150 (-179%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth75th 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

2017

Assets$8,091,427
Liabilities$36,919
Net Assets$8,054,508
Open 2017 Filing

Operations Trend

Revenue Growth15th 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

2017

Revenue$357,819
Expenses$370,697
Net Income-$12,878
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 19, 2018
Return Version
2017v2.0
Gross Receipts
$357,819
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$6,579,093$7,028,562▲ $449,469
Other Notes and Loans Receivable, Net$4,866,581$4,687,226▼ $179,355
Savings and Temporary Cash Investments$2,357,872$2,999,645▲ $641,773
Rtn Earn Endowment Incm Other Fnds$1,038,824$1,025,946▼ $12,878
Cash and Non-Interest-Bearing Accounts$324,404$272,475▼ $51,929
Land, Buildings, and Equipment, Net$121,718$76,085▼ $45,633
Prepaid Expenses and Deferred Charges$12,737$2,920▼ $9,817
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$7,739,918$8,091,427▲ $351,509
Other Assets Total$56,606$53,076▼ $3,530
Liabilities
Accounts Payable and Accrued Expenses$122,001$36,919▼ $85,082
Total Liabilities$122,001$36,919▼ $85,082
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,617,917$8,054,508▲ $436,591
Total Liabilities and Net Assets / Fund Balance$7,739,918$8,091,427▲ $351,509

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$63,599$22,795$0
Other Land Buildings$0$0$0
Land$12,486-$0
Equipment$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay32nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Glenda J HartPresident/CEOFT$42,000$2,100$44,100

Board Members and Trustees

NameTitle
Mitch JaredChairman of the Board
Greg GerotVice Chairman
Lori McMillinBoard of Director
Kevin Schmiddirector
Reid Mintonyedirector
Vianna Marshallsecretary
Linda K SmithTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$3,000
Program Service Revenue
$332,325
Investment Income
$22,494
Other Revenue
$0
All Other Contributions
$3,000
Change in Net Assets
$-12,878
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$212,267
Salaries, Compensation, and Employee Benefits$158,430
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$95,167
Office Expenses---$56,710
Depreciation Depletion---$46,566
Current Officers, Directors, Trustees, and Key Employees---$42,000
Information Technology---$36,881
Occupancy---$15,163
Payroll Taxes---$12,985
Insurance---$11,760
Pension Plan Contributions---$8,278
Fees for Services Accounting---$3,498
Conferences and Meetings---$3,281
Advertising---$2,668
Other Expenses---$1,685
All Other Expenses---$671
Fees for Services Management---$630
Total Functional Expenses$0$0$0$370,697
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
Yes
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 A, Line 7B

“Membership has voting rights to change bylaws, and authorize mergers.”

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

“The CEO prepares form 990 and then submits it to the BOD for review and comments 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 3rd Wednesday of each month.”

Form 990, Part VI, Section B, Line 15

“Salary information for the State of Idaho and thru Credit Union National Association salary surveys 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
2018-04-19

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

“Increase in deposits from member's savings, IRA's, CD's and checking accounts.”

Raw XML Appendix392 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/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/TotalBookValueLandBuildingsAmt076085
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/ExplanationTxt2Membership has voting rights to change bylaws, and authorize mergers.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The CEO prepares form 990 and then submits it to the BOD for review and comments prior to filing the report.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Conflict of interest compliance would be discussed at regular board meetings which take place on the 3rd Wednesday of each month.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Salary information for the State of Idaho and thru Credit Union National Association salary surveys based on asset size.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6The 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/ExplanationTxt7Increase in deposits from member's 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 A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0ID
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt07739918
IRS990/TotalAssetsEOYAmt08091427
IRS990/TotalAssetsGrp/BOYAmt07739918
IRS990/TotalAssetsGrp/EOYAmt08091427
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt03000
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0370697
IRS990/TotalGrossUBIAmt0803
IRS990/TotalLiabilitiesBOYAmt0122001
IRS990/TotalLiabilitiesEOYAmt036919
IRS990/TotalLiabilitiesGrp/BOYAmt0122001
IRS990/TotalLiabilitiesGrp/EOYAmt036919
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07617917
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08054508
IRS990/TotalOtherCompensationAmt02100
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt0803
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt0803
IRS990/TotalProgramServiceExpensesAmt0370697
IRS990/TotalProgramServiceRevenueAmt0332325
IRS990/TotalReportableCompFromOrgAmt042000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0354016
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0357819
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0803
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07739918
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08091427
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO Box 266
IRS990/USAddress/CityNm0Pierce
IRS990/USAddress/StateAbbreviationCd0ID
IRS990/USAddress/ZIPCd083546
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.whitepinecu.com
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Glenda J Hart
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02084642844
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-19
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/IPv4AddressTxt099.203.29.225
ReturnHeader/ReturnTs02018-04-19T14:18:11-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,091,427
Liabilities
$36,919
Net assets
$8,054,508
Revenue
$357,819
Expenses
$370,697
Net income
-$12,878
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