Civic Intelligence

St Joe Valley Credit Union

EIN 82-6027648 • 501(c)14 • St Maries, ID

View Organization Page

Profile

Promoting thrift amoung its members by providing opportunity to build their savings and provide for them a source of credit for productive purposes at competitive rates.

129 S 9thSt Maries, ID 83861

www.stjoevalleycu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

11th percentile

0.02x

Higher debt load relative to assets than 11% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

13th percentile

0.30x

Higher debt load relative to revenue than 13% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

92nd percentile

28%

Higher net margin than 92% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

76th percentile

3.3%

Faster asset growth than 76% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

75th percentile

18%

Faster revenue growth than 75% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets11th percentile

Assets

Up

$13,188,526

Up $421,623 (+3.3%) from 2023

Liabilities

Up

$200,479

Up $39,821 (+25%) from 2023

Net Assets

Up

$12,988,047

Up $381,802 (+3.0%) from 2023

Operations
Liabilities / Revenue13th percentileNet Margin92nd percentile

Revenue

Up

$669,683

Up $104,153 (+18%) from 2023

Expenses

Up

$482,582

Up $59,024 (+14%) from 2023

Net Income

Up

$187,101

Up $45,129 (+32%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth76th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$15M$10M$5.0M$0Assets 2010: $7,222,869Liabilities 2010: $34,054Net Assets 2010: $7,188,8152010Assets 2012: $7,361,752Liabilities 2012: $171,440Net Assets 2012: $7,190,3122012Assets 2013: $6,990,803Liabilities 2013: $59,239Net Assets 2013: $6,931,5642013Assets 2014: $7,162,593Liabilities 2014: $80,411Net Assets 2014: $7,082,1822014Assets 2015: $7,268,167Liabilities 2015: $55,101Net Assets 2015: $7,213,0662015Assets 2017: $8,858,325Liabilities 2017: $225,354Net Assets 2017: $8,632,9712017Assets 2018: $8,626,304Liabilities 2018: $51,273Net Assets 2018: $8,575,0312018Assets 2019: $9,041,865Liabilities 2019: $64,680Net Assets 2019: $8,977,1852019Assets 2020: $11,463,266Liabilities 2020: $147,298Net Assets 2020: $11,315,9682020Assets 2021: $12,693,151Liabilities 2021: $78,187Net Assets 2021: $12,614,9642021Assets 2022: $14,697,543Liabilities 2022: $240,437Net Assets 2022: $14,457,1062022Assets 2023: $12,766,903Liabilities 2023: $160,658Net Assets 2023: $12,606,2452023Assets 2024: $13,188,526Liabilities 2024: $200,479Net Assets 2024: $12,988,0472024

Highlighted filing

2024

Assets$13,188,526
Liabilities$200,479
Net Assets$12,988,047
Open 2024 Filing

Operations Trend

Revenue Growth75th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KExpenses 2010: $343,8042010Expenses 2012: $228,7112012Revenue 2013: $241,166Expenses 2013: $232,785Net Income 2013: $8,3812013Revenue 2014: $236,408Expenses 2014: $221,263Net Income 2014: $15,1452014Revenue 2015: $228,309Expenses 2015: $220,075Net Income 2015: $8,2342015Revenue 2017: $290,895Expenses 2017: $235,936Net Income 2017: $54,9592017Revenue 2018: $324,819Expenses 2018: $253,230Net Income 2018: $71,5892018Revenue 2019: $360,561Expenses 2019: $259,985Net Income 2019: $100,5762019Revenue 2020: $358,353Expenses 2020: $238,672Net Income 2020: $119,6812020Revenue 2021: $330,957Expenses 2021: $251,258Net Income 2021: $79,6992021Revenue 2022: $0Expenses 2022: $326,714Net Income 2022: -$326,7142022Revenue 2023: $565,530Expenses 2023: $423,558Net Income 2023: $141,9722023Revenue 2024: $669,683Expenses 2024: $482,582Net Income 2024: $187,1012024

Highlighted filing

2024

Revenue$669,683
Expenses$482,582
Net Income$187,101
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$13,188,526
Liabilities
$200,479
Net assets
$12,988,047
Revenue
$669,683
Expenses
$482,582
Net income
$187,101
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.2$0.20$13.0$0.67$0.48$0.19
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.8$0.16$12.6$0.57$0.42$0.14
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$14.7$0.24$14.5$0.00$0.33$0.33
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.7$0.08$12.6$0.33$0.25$0.08
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.5$0.15$11.3$0.36$0.24$0.12
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.04$0.06$8.98$0.36$0.26$0.10
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.63$0.05$8.58$0.32$0.25$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$8.86$0.23$8.63$0.29$0.24$0.05
2015Detailed filing. Detailed filing data is available for this year.$7.27$0.06$7.21$0.23$0.22$0.01
2014Detailed filing. Detailed filing data is available for this year.$7.16$0.08$7.08$0.24$0.22$0.02
2013Detailed filing. Detailed filing data is available for this year.$6.99$0.06$6.93$0.24$0.23$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.36$0.17$7.19$0.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.22$0.03$7.19$0.34
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.0
Gross Receipts
$669,683
Mission and Program Overview

Mission

Promoting thrift among its members by giving them the opportunity for accumulating their savings and providing a source of affordable credit and financial services for productive purposes.

Promoting thrift among its members by giving them the opportunity for accumulating their savings, and providing them a source of affordable credit and financial services for productive purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$11,775,607$11,970,308▲ $194,701
Other Notes and Loans Receivable, Net$6,989,454$6,389,054▼ $600,400
Savings and Temporary Cash Investments$5,199,746$6,160,831▲ $961,085
Rtn Earn Endowment Incm Other Fnds$830,638$1,017,739▲ $187,101
Cash and Non-Interest-Bearing Accounts$180,586$255,294▲ $74,708
Land, Buildings, and Equipment, Net$126,124$139,598▲ $13,474
Prepaid Expenses and Deferred Charges$36,237$29,390▼ $6,847
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$12,766,903$13,188,526▲ $421,623
Other Assets Total$234,756$214,359▼ $20,397
Liabilities
Accounts Payable and Accrued Expenses$160,658$200,479▲ $39,821
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$160,658$200,479▲ $39,821
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,606,245$12,988,047▲ $381,802
Total Liabilities and Net Assets / Fund Balance$12,766,903$13,188,526▲ $421,623

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$57,943$198,960$0
Other Land Buildings$0$0$0
Land$35,250-$0
Equipment$46,405$191,794$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Gloria RauchCEO/ManagerFT$70,200$70,200

Board Members and Trustees

NameTitle
Dale HillPresident of the Board
Roger NelsonVice-President
Beth NelsonDirector
Teresa JeffreySecretary
Dale BaerlocherTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$440,743
Investment Income
$228,940
Other Revenue
$0
Change in Net Assets
$187,101
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$274,328
Salaries, Compensation, and Employee Benefits$208,254
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$180,758$0$0$180,758
Office Expenses$101,296$0$0$101,296
Information Technology$33,144$0$0$33,144
Other Expenses$17,179$0$0$17,179
Occupancy$14,833$0$0$14,833
Payroll Taxes$14,678$0$0$14,678
Other Employee Benefits$9,432$0$0$9,432
Insurance$8,220$0$0$8,220
Advertising$5,974$0$0$5,974
Depreciation Depletion$5,855$0$0$5,855
All Other Expenses$5,377$0$0$5,377
Fees for Services Accounting$4,989$0$0$4,989
Pension Plan Contributions$3,386$0$0$3,386
Conferences and Meetings$800$0$0$800
Total Functional Expenses$482,582$0$0$482,582
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Due to the size of our community and limited number of volunteers available, we sometimes have volunteers that are related. we do have a couple of board members/committee members that are related to each other.”

Form 990, Part VI, Section A, Line 6

“The Credit Union is a member - owned financial cooperative, each member has 1 vote to elect the governing body (Board of Directors).”

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

“Each member has one vote to elect the governing body - Board of Directors”

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

“Any changes to the by-laws of the Credit Union require approval by a vote of the membership.”

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

“The file is reviewed at a meeting of the Board of Directors”

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

“In our small community, our board of directors are employed and employers in town as well as other community involvement. Other employment held by our employees would be known to us.”

Form 990, Part VI, Section B, Line 15

“Our Board compares compensation with similar positions in the area as well as with salary reports that are provided to us from national credit union associations.”

Form 990, Part VI, Section C, Line 18

“The Credit Union documents and policies are available in the credit union office at 129 S 9th Street, St Maries, Idaho for viewing during normal business hours”

Form 990, Part VI, Section C, Line 19

“The Credit Union documents and policies are available in the credit union office at 129 S 9th Street, St Maries, Idaho for viewing during normal business hours.”

Filing and Contact Details

Filer

Filer Name
St Joe Valley Credit Union
EIN
82-6027648
Phone
2082454231
Address
129 S 9th, St Maries, ID 83861

Signing Officer

Name
Gloria Rauch
Title
CEO
Phone
2082454231
Signed
2025-11-11

Organization Details

Formed
1959
Legal Domicile
Id
Voting Board Members
5
Independent Board Members
5
Employees
8
Volunteers
12
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“The Credit Union assets grew due to increase in deposits”

Raw XML AppendixShowing 400 of 507 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/AccountantCompileOrReviewInd01
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0160658
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0200479
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Promoting thrift among its members by giving them the opportunity for accumulating their savings, and providing them a source of affordable credit and financial services for productive purposes.
IRS990/AdvertisingGrp/FundraisingAmt00
IRS990/AdvertisingGrp/ManagementAndGeneralAmt00
IRS990/AdvertisingGrp/ProgramServicesAmt05974
IRS990/AdvertisingGrp/TotalAmt05974
IRS990/AllOtherExpensesGrp/FundraisingAmt00
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/AllOtherExpensesGrp/ProgramServicesAmt05377
IRS990/AllOtherExpensesGrp/TotalAmt05377
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/ProgramServicesAmt00
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Gloria Rauch
IRS990/BooksInCareOfDetail/PhoneNum02082454231
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0129 S 9th Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0St Maries
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ID
IRS990/BooksInCareOfDetail/USAddress/ZIPCd083861
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt011775607
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt011970308
IRS990/CashNonInterestBearingGrp/BOYAmt0180586
IRS990/CashNonInterestBearingGrp/EOYAmt0255294
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/FundraisingAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt00
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt00
IRS990/CompDisqualPersonsGrp/FundraisingAmt00
IRS990/CompDisqualPersonsGrp/ManagementAndGeneralAmt00
IRS990/CompDisqualPersonsGrp/ProgramServicesAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/FundraisingAmt00
IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt00
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt0800
IRS990/ConferencesMeetingsGrp/TotalAmt0800
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0228940
IRS990/CYOtherExpensesAmt0274328
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0440743
IRS990/CYRevenuesLessExpensesAmt0187101
IRS990/CYSalariesCompEmpBnftPaidAmt0208254
IRS990/CYTotalExpensesAmt0482582
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0669683
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/FundraisingAmt00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt00
IRS990/DepreciationDepletionGrp/ProgramServicesAmt05855
IRS990/DepreciationDepletionGrp/TotalAmt05855
IRS990/Desc0Savings, Certificates of Deposit
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt0221554
IRS990/FamilyOrBusinessRlnInd01
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/FundraisingAmt00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt04989
IRS990/FeesForServicesAccountingGrp/TotalAmt04989
IRS990/FeesForServicesLegalGrp/FundraisingAmt00
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/FundraisingAmt00
IRS990/FeesForServicesLobbyingGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesLobbyingGrp/ProgramServicesAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/FundraisingAmt00
IRS990/FeesForServicesManagementGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesManagementGrp/ProgramServicesAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/FundraisingAmt00
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt00
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/FundraisingAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/FundraisingAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ManagementAndGeneralAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/ProgramServicesAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/ProgramServicesAmt00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt042
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.0
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.0
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0Gloria Rauch
IRS990/Form990PartVIISectionAGrp/PersonNm1Beth Nelson
IRS990/Form990PartVIISectionAGrp/PersonNm2Dale Hill
IRS990/Form990PartVIISectionAGrp/PersonNm3Teresa Jeffrey
IRS990/Form990PartVIISectionAGrp/PersonNm4Dale Baerlocher
IRS990/Form990PartVIISectionAGrp/PersonNm5Roger Nelson
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt070200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2President of the Board
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice-President
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01959
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/ProgramServicesAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0669683
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/FundraisingAmt00
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt00
IRS990/InformationTechnologyGrp/ProgramServicesAmt033144
IRS990/InformationTechnologyGrp/TotalAmt033144
IRS990/InsuranceGrp/FundraisingAmt00
IRS990/InsuranceGrp/ManagementAndGeneralAmt00
IRS990/InsuranceGrp/ProgramServicesAmt08220
IRS990/InsuranceGrp/TotalAmt08220
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0228940
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0228940
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0390754
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0126124
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0139598
IRS990/LandBldgEquipCostOrOtherBssAmt0530352
IRS990/LegalDomicileStateCd0ID
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Promoting thrift among its members by giving them the opportunity for accumulating their savings and providing a source of affordable credit and financial services for productive purposes.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt012606245
IRS990/NetAssetsOrFundBalancesEOYAmt012988047
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt00
IRS990/OccupancyGrp/ProgramServicesAmt014833
IRS990/OccupancyGrp/TotalAmt014833
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt0101296
IRS990/OfficeExpensesGrp/TotalAmt0101296
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0234756
IRS990/OtherAssetsTotalGrp/EOYAmt0214359
IRS990/OtherChangesInNetAssetsAmt0194701
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt00
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt09432
IRS990/OtherEmployeeBenefitsGrp/TotalAmt09432
IRS990/OtherExpensesGrp/Desc0Dividends
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc2Miscellaneous
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ProgramServicesAmt047013
IRS990/OtherExpensesGrp/ProgramServicesAmt129648
IRS990/OtherExpensesGrp/ProgramServicesAmt217179
IRS990/OtherExpensesGrp/TotalAmt047013
IRS990/OtherExpensesGrp/TotalAmt129648
IRS990/OtherExpensesGrp/TotalAmt217179
IRS990/OtherInd0X
IRS990/OtherOrganizationDsc0member owned financial cooperative
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0180758
IRS990/OtherSalariesAndWagesGrp/TotalAmt0180758
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt06989454
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt06389054
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt014678
IRS990/PayrollTaxesGrp/TotalAmt014678
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt03386
IRS990/PensionPlanContributionsGrp/TotalAmt03386
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt036237
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt029390
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0ST JOE VALLEY CREDIT UNION
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans
IRS990/ProgramServiceRevenueGrp/Desc1fees and charges income
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0393934
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt146809
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0393934
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt146809
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgSrvcAccomActy2Grp/Desc0Loans
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0156814
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0401247
IRS990/ProgSrvcAccomActy3Grp/Desc0Checking Accounts
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0104214
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt033107
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0146971
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0228777
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0418560
IRS990/PYRevenuesLessExpensesAmt0141973
IRS990/PYSalariesCompEmpBnftPaidAmt0194781
IRS990/PYTotalExpensesAmt0423558
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0565531
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0187101
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt0235329
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0830638
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01017739
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05199746
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06160831
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt057943
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0198960
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0256903
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt046405
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0191794
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0238199
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt035250
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt035250
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.