Civic Intelligence

Cascade Central Credit Union

990 • Fiscal year 2015 • EIN 93-0513239

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

Organization Profilewww.cascadecentral.com

View Organization Page

1206 12th StreetHood River, OR 97031-1604

(541) 387-9297

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.00x

Higher debt load relative to assets than 3% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

4th percentile

0.12x

Higher debt load relative to revenue than 4% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

97th percentile

30%

Higher net margin than 97% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

3rd percentile

$0

Higher top officer pay than 3% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

91st percentile

11%

Faster asset growth than 91% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

89th percentile

11%

Faster revenue growth than 89% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$57,344,337

Up $5,512,469 (+11%) from 2014

Net Assets

Up

$57,121,463

Up $5,513,637 (+11%) from 2014

Liabilities

Down

$222,874

Down $1,168 (-0.5%) from 2014

Revenue And Expenses
Liabilities / Revenue4th percentileNet Margin97th percentile

Revenue

Up

$1,813,818

Up $180,791 (+11%) from 2014

Expenses

Up

$1,265,374

Up $72,833 (+6.1%) from 2014

Net Income

Up

$548,444

Up $107,958 (+25%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth91st percentile

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

$100M$50M$0Assets 2010: $38,250,727Liabilities 2010: $167,190Net Assets 2010: $38,083,5372010Assets 2011: $42,234,140Liabilities 2011: $189,701Net Assets 2011: $42,044,4392011Assets 2012: $46,700,623Liabilities 2012: $231,701Net Assets 2012: $46,468,9222012Assets 2013: $52,199,295Liabilities 2013: $230,114Net Assets 2013: $51,969,1812013Assets 2014: $51,831,868Liabilities 2014: $224,042Net Assets 2014: $51,607,8262014Assets 2015: $57,344,337Liabilities 2015: $222,874Net Assets 2015: $57,121,4632015Assets 2016: $63,193,132Liabilities 2016: $206,632Net Assets 2016: $62,986,5002016Assets 2017: $67,393,942Liabilities 2017: $213,905Net Assets 2017: $67,180,0372017Assets 2018: $68,567,131Liabilities 2018: $190,833Net Assets 2018: $68,376,2982018Assets 2019: $68,675,929Liabilities 2019: $264,114Net Assets 2019: $68,411,8152019Assets 2020: $81,241,386Liabilities 2020: $1,176,719Net Assets 2020: $80,064,6672020

Highlighted filing

2015

Assets$57,344,337
Liabilities$222,874
Net Assets$57,121,463
Open 2015 Filing

Operations Trend

Revenue Growth89th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,534,1502010Expenses 2011: $1,433,4272011Expenses 2012: $1,515,1062012Revenue 2013: $1,655,956Expenses 2013: $1,233,892Net Income 2013: $422,0642013Revenue 2014: $1,633,027Expenses 2014: $1,192,541Net Income 2014: $440,4862014Revenue 2015: $1,813,818Expenses 2015: $1,265,374Net Income 2015: $548,4442015Revenue 2016: $1,852,564Expenses 2016: $1,369,622Net Income 2016: $482,9422016Revenue 2017: $2,053,861Expenses 2017: $1,507,962Net Income 2017: $545,8992017Revenue 2018: $2,356,952Expenses 2018: $1,519,425Net Income 2018: $837,5272018Revenue 2019: $2,560,894Expenses 2019: $1,643,437Net Income 2019: $917,4572019Revenue 2020: $2,369,039Expenses 2020: $2,792,011Net Income 2020: -$422,9722020

Highlighted filing

2015

Revenue$1,813,818
Expenses$1,265,374
Net Income$548,444
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Apr 21, 2016
Return Version
2015v2.1
Gross Receipts
$1,813,818
Mission and Program Overview

Mission

Cascade central credit union is a state chartered credit union dedicated to encouraging savings, borrowing responsibly, and providing a variety of services at favorable rates.

Cascade central credit union is a state chartered credit union that encourages savings, borrowing responsibly, and provides a variety of services at favorable rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$45,275,932$50,241,125▲ $4,965,193
Accounts Receivable$27,585,424$29,820,450▲ $2,235,026
Savings and Temporary Cash Investments$22,802,656$26,020,730▲ $3,218,074
Rtn Earn Endowment Incm Other Fnds$6,331,894$6,880,338▲ $548,444
Investments Program Related$443,567$460,029▲ $16,462
Cash and Non-Interest-Bearing Accounts$344,364$396,436▲ $52,072
Prepaid Expenses and Deferred Charges$372,784$377,004▲ $4,220
Land, Buildings, and Equipment, Net$283,073$269,688▼ $13,385
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$51,831,868$57,344,337▲ $5,512,469
Liabilities
Accounts Payable and Accrued Expenses$224,042$222,874▼ $1,168
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$224,042$222,874▼ $1,168
Net Assets / Fund Balance
Total Net Assets Fund Balance$51,607,826$57,121,463▲ $5,513,637
Total Liabilities and Net Assets / Fund Balance$51,831,868$57,344,337▲ $5,512,469

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$147,534$172,466$0
Other Land Buildings$0$0$0
Land$100,000-$0
Equipment$22,154$611,020$0
Leasehold Improvements$0$243,953$0
Compensation and Service Providers
Top Officer Pay3rd percentile

Board Members and Trustees

NameTitle
Muriel IshizakaPresident
Marta SimonsVice President
Alisa MooneyBoard Member
Gerald NetcherBoard Member
Marylee WebberBoard Member
Kim MaddySecretary
Tom FickTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,674,970
Investment Income
$138,848
Other Revenue
$0
Change in Net Assets
$548,444
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$695,926
Salaries, Compensation, and Employee Benefits$569,448
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$412,876
Other Expenses---$218,339
Other Employee Benefits---$70,103
Information Technology---$50,810
Pension Plan Contributions---$48,161
Office Expenses---$47,557
Payroll Taxes---$38,308
Occupancy---$36,667
Depreciation Depletion---$30,842
Payments to Affiliates---$25,772
Fees for Services Other---$20,798
Insurance---$20,158
Advertising---$16,118
Conferences and Meetings---$6,077
Fees for Services Accounting---$4,775
Total Functional Expenses$0$0$0$1,265,374
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“Form 990 is reviewed by the internal auditor, supervisory auditor, and state examiner.”

Form 990, Part VI, Section B, Line 15

“A committee of the Board of Directors meet and compare compensation at similar credit unions to help make their decision then submit the findings to the entire Board. The Board then votes on the salary. This is done annually in the 4th qtr of the year.”

Form 990, Part VI, Section C, Line 19

“Upon request”

Filing and Contact Details

Filer

Filer Name
Cascade Central Credit Union
EIN
93-0513239
Phone
5413879297
Address
1206 12TH STREET, HOOD RIVER, OR 97031-1604

Signing Officer

Name
Nancy Blanchette
Title
Manager
Phone
5413879297
Signed
2016-04-21

Organization Details

Principal Officer
Cascade Central Credit Union
Formed
1961
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
12
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in assets”

Financial Statement Notes

Schedule D, Part VI, Line 1A

“Land”

Schedule D, Part VI, Line 1B

“Building”

Schedule D, Part VI, Line 1C

“Leasehold improvements”

Schedule D, Part VI, Line 1D

“Equipment”

Schedule D, Part VI, Line 1E

“other”

Raw XML Appendix379 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
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IRS990/AccountsReceivableGrp/EOYAmt029820450
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0CASCADE CENTRAL CREDIT UNION IS A STATE CHARTERED CREDIT UNION THAT ENCOURAGES SAVINGS, BORROWING RESPONSIBLY, AND PROVIDES A VARIETY OF SERVICES AT FAVORABLE RATES.
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0Muriel Ishizaka
IRS990/Form990PartVIISectionAGrp/PersonNm1Marylee Webber
IRS990/Form990PartVIISectionAGrp/PersonNm2Gerald Netcher
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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt0611020
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0633174
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0100000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0243953
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0243953
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0Land
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1Building
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2Leasehold improvements
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt3Equipment
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt4other
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part VI, Line 1a
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Schedule D, Part VI, Line 1b
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2Schedule D, Part VI, Line 1c
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc3Schedule D, Part VI, Line 1d
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc4Schedule D, Part VI, Line 1e
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0269688
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990 is reviewed by the internal auditor, supervisory auditor, and state examiner.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A committee of the Board of Directors meet and compare compensation at similar credit unions to help make their decision then submit the findings to the entire Board. The Board then votes on the salary. This is done annually in the 4th qtr of the year.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Change in assets
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondLiabilitiesGrp/BOYAmt00
IRS990/TaxExemptBondLiabilitiesGrp/EOYAmt00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt051831868
IRS990/TotalAssetsEOYAmt057344337
IRS990/TotalAssetsGrp/BOYAmt051831868
IRS990/TotalAssetsGrp/EOYAmt057344337
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01265374
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0224042
IRS990/TotalLiabilitiesEOYAmt0222874
IRS990/TotalLiabilitiesGrp/BOYAmt0224042
IRS990/TotalLiabilitiesGrp/EOYAmt0222874
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt051607826
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt057121463
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt01674970
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01813818
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01813818
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt051831868
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt057344337
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt00
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01206 12th St
IRS990/USAddress/CityNm0Hood River
IRS990/USAddress/StateAbbreviationCd0OR
IRS990/USAddress/ZIPCd097031
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.cascadecentral.com
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Nancy Blanchette
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum05413879297
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-04-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CASCADE CENTRAL CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CASC
ReturnHeader/Filer/EIN0930513239
ReturnHeader/Filer/PhoneNum05413879297
ReturnHeader/Filer/USAddress/AddressLine1Txt01206 12TH STREET
ReturnHeader/Filer/USAddress/CityNm0HOOD RIVER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0OR
ReturnHeader/Filer/USAddress/ZIPCd0970311604
ReturnHeader/ReturnTs02016-04-21T15:02:03-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

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
$57,344,337
Liabilities
$222,874
Net assets
$57,121,463
Revenue
$1,813,818
Expenses
$1,265,374
Net income
$548,444
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$81.2$1.18$80.1$2.37$2.79$0.42
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.7$0.26$68.4$2.56$1.64$0.92
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$68.6$0.19$68.4$2.36$1.52$0.84
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$67.4$0.21$67.2$2.05$1.51$0.55
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$63.2$0.21$63.0$1.85$1.37$0.48
2015Detailed filing. Detailed filing data is available for this year.$57.3$0.22$57.1$1.81$1.27$0.55
2014Detailed filing. Detailed filing data is available for this year.$51.8$0.22$51.6$1.63$1.19$0.44
2013Detailed filing. Detailed filing data is available for this year.$52.2$0.23$52.0$1.66$1.23$0.42
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.7$0.23$46.5$1.52
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.2$0.19$42.0$1.43
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.3$0.17$38.1$1.53