Civic Intelligence

St Joe Valley Credit Union

990 • Fiscal year 2015 • EIN 82-6027648

Jan 01, 2015 to Dec 31, 2015 • Filed on Oct 26, 2016

129 S 9th Street P O Box 216St Maries, ID 83861

(208) 245-4231

Siviq Scores

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

Liabilities / Assets

7th percentile

0.01x

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

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

Liabilities / Revenue

9th percentile

0.24x

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

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

Net Margin

44th percentile

3.6%

Higher net margin than 44% of similar nonprofits.

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

Top Officer Pay

39th percentile

$48,000

Higher top officer pay than 39% of similar nonprofits.

Top officer pay equals 21.0% of source-year revenue.

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

Asset Growth

48th percentile

1.5%

Faster asset growth than 48% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

30th percentile

-3.4%

Faster revenue growth than 30% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Assets

Up

$7,268,167

Up $105,574 (+1.5%) from 2014

Net Assets

Up

$7,213,066

Up $130,884 (+1.8%) from 2014

Liabilities

Down

$55,101

Down $25,310 (-31%) from 2014

Revenue

Down

$228,309

Down $8,099 (-3.4%) from 2014

Expenses

Down

$220,075

Down $1,188 (-0.5%) from 2014

Net Income

Down

$8,234

Down $6,911 (-46%) from 2014

Historical Trend

Balance Sheet Trend

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

$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

2015

Assets$7,268,167
Liabilities$55,101
Net Assets$7,213,066

Operations Trend

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$228,309
Expenses$220,075
Net Income$8,234
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Oct 26, 2016
Return Version
2015v2.1
Gross Receipts
$228,309
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 affording them the opportunity for accumulationg their savings, and providing for them a source of credit for productive purposes at competitive rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$6,962,647$7,085,295▲ $122,648
Savings and Temporary Cash Investments$4,304,624$4,209,621▼ $95,003
Other Notes and Loans Receivable, Net$2,517,385$2,691,480▲ $174,095
Cash and Non-Interest-Bearing Accounts$170,846$199,608▲ $28,762
Land, Buildings, and Equipment, Net$143,293$135,616▼ $7,677
Rtn Earn Endowment Incm Other Fnds$119,535$127,771▲ $8,236
Prepaid Expenses and Deferred Charges$16,945$18,883▲ $1,938
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
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$7,162,593$7,268,167▲ $105,574
Other Assets Total$9,500$12,959▲ $3,459
Liabilities
Accounts Payable and Accrued Expenses$80,411$55,101▼ $25,310
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$80,411$55,101▼ $25,310
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,082,182$7,213,066▲ $130,884
Total Liabilities and Net Assets / Fund Balance$7,162,593$7,268,167▲ $105,574

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$96,154$148,087$0
Other Land Buildings$0$0$0
Land$35,250-$0
Equipment$4,212$148,150$0
Leasehold Improvements$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Gloria RauchManager/CEOFT$48,000$48,000

Board Members and Trustees

NameTitle
Dale HillPresident of Board
Teresa JeffreyVice President of the Board
Wanda WemhoffDirector
Gene DundasTreasurer of the Board
Shawn HixsonSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$183,049
Investment Income
$45,260
Other Revenue
$0
All Other Contributions
$0
Change in Net Assets
$8,234
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$129,439
Other Expenses$90,636
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$0$118,294$0$118,294
Office Expenses$0$51,592$0$51,592
Occupancy$0$18,581$0$18,581
Payroll Taxes$0$10,198$0$10,198
Information Technology$0$7,867$0$7,867
Insurance$0$6,631$0$6,631
Fees for Services Accounting$0$4,145$0$4,145
Payments to Affiliates$0$1,637$0$1,637
Other Expenses$1,237$0$0$1,237
Advertising$0$1,161$0$1,161
Other Employee Benefits$0$947$0$947
Conferences and Meetings$0$761$0$761
Interest$586$0$0$586
All Other Expenses$0$-7,399$0$-7,399
Total Functional Expenses$5,660$214,415$0$220,075
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 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 6

St Joe Valley Credit Union is a financial cooperative where the members are owners.

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

Each member of the Credit Union has one vote to elect the governing body.

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

The election of the Board of Directors and any changes to by-laws are decided by the voting members.

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

The 990 and all supporting documentation is presented to the Board of Directors for their review.

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

Policies are reviewed by the Board of Directors annually - copies are provided for all employees and board members

Form 990, Part VI, Section B, Line 15

The Board of Directors compare compensation with similar, comparable positions in the area taking into consideration past experience and market for the CEO/Manager position.

Form 990, Part VI, Section C, Line 19

The documents are available in the office of the Treasurer 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 Street P O Box 216, St Maries, ID 83861

Signing Officer

Name
Gloria Rauch
Title
CEO
Phone
2082454231
Signed
2016-10-26

Organization Details

Principal Officer
Gloria Rauch
Formed
1959
Legal Domicile
Id
Voting Board Members
5
Independent Board Members
5
Employees
5
Volunteers
12
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

Change in asset size 2014-2015

Raw XML AppendixShowing 400 of 528 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/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Promoting 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt07082182
IRS990/NetAssetsOrFundBalancesEOYAmt07213066
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NoncashContributionsAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt018581
IRS990/OccupancyGrp/ProgramServicesAmt00
IRS990/OccupancyGrp/TotalAmt018581
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt051592
IRS990/OfficeExpensesGrp/ProgramServicesAmt00
IRS990/OfficeExpensesGrp/TotalAmt051592
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt09500
IRS990/OtherAssetsTotalGrp/EOYAmt012959
IRS990/OtherChangesInNetAssetsAmt0122650
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0947
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0947
IRS990/OtherExpensesGrp/Desc0loan servicing expense
IRS990/OtherExpensesGrp/Desc1certificates of deposit, IRA's
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ProgramServicesAmt03837
IRS990/OtherExpensesGrp/ProgramServicesAmt11237
IRS990/OtherExpensesGrp/TotalAmt03837
IRS990/OtherExpensesGrp/TotalAmt11237
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0118294
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0118294
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02517385
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02691480
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt01637
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt01637
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt010198
IRS990/PayrollTaxesGrp/ProgramServicesAmt00
IRS990/PayrollTaxesGrp/TotalAmt010198
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt00
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt016945
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt018883
IRS990/PrincipalOfficerNm0Gloria Rauch
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0loans to members
IRS990/ProgramServiceRevenueGrp/Desc1program fees
IRS990/ProgramServiceRevenueGrp/Desc2member insurance
IRS990/ProgramServiceRevenueGrp/Desc3Misc fees
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0144113
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt133681
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt22914
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt32341
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0144113
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt133681
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22914
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt32341
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgSrvcAccomActy2Grp/Desc0Loans
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt03837
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt00
IRS990/ProgSrvcAccomActy3Grp/Desc0Certificates of Deposit, IRA's
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt01238
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt00
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt041374
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt093697
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0195034
IRS990/PYRevenuesLessExpensesAmt015145
IRS990/PYSalariesCompEmpBnftPaidAmt0127566
IRS990/PYTotalExpensesAmt0221263
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0236408
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt08234
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RelatedOrganizationsAmt00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00

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Filings

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