Civic Intelligence

Cascade Central Credit Union

990 • Fiscal year 2019 • EIN 93-0513239

Jan 01, 2019 to Dec 31, 2019 • Filed on Mar 11, 2020

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

1st percentile

0.00x

Higher debt load relative to assets than 1% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Liabilities / Revenue

2nd percentile

0.10x

Higher debt load relative to revenue than 2% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Net Margin

99th percentile

36%

Higher net margin than 99% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Top Officer Pay

5th percentile

$0

Higher top officer pay than 5% of similar nonprofits.

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

2019 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2019

Asset Growth

21st percentile

0.2%

Faster asset growth than 21% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Revenue Growth

63rd percentile

8.7%

Faster revenue growth than 63% of similar nonprofits.

2019 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets1st percentile

Assets

Up

$68,675,929

Up $108,798 (+0.2%) from 2018

Net Assets

Up

$68,411,815

Up $35,517 (+0.1%) from 2018

Liabilities

Up

$264,114

Up $73,281 (+38%) from 2018

Revenue And Expenses
Liabilities / Revenue2nd percentileNet Margin99th percentile

Revenue

Up

$2,560,894

Up $203,942 (+8.7%) from 2018

Expenses

Up

$1,643,437

Up $124,012 (+8.2%) from 2018

Net Income

Up

$917,457

Up $79,930 (+9.5%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth21st 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

2019

Assets$68,675,929
Liabilities$264,114
Net Assets$68,411,815
Open 2019 Filing

Operations Trend

Revenue Growth63rd 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

2019

Revenue$2,560,894
Expenses$1,643,437
Net Income$917,457
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Mar 11, 2020
Return Version
2019v5.0
Gross Receipts
$2,560,894
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$59,629,592$58,747,651▼ $881,941
Savings and Temporary Cash Investments$35,381,899$34,255,641▼ $1,126,258
Accounts Receivable$31,690,810$32,832,924▲ $1,142,114
Rtn Earn Endowment Incm Other Fnds$8,746,706$9,664,164▲ $917,458
Investments Program Related$574,687$561,626▼ $13,061
Prepaid Expenses and Deferred Charges$448,223$482,193▲ $33,970
Cash and Non-Interest-Bearing Accounts$232,421$283,763▲ $51,342
Land, Buildings, and Equipment, Net$239,091$259,782▲ $20,691
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$68,567,131$68,675,929▲ $108,798
Liabilities
Accounts Payable and Accrued Expenses$190,833$264,114▲ $73,281
Total Liabilities$190,833$264,114▲ $73,281
Net Assets / Fund Balance
Total Net Assets Fund Balance$68,376,298$68,411,815▲ $35,517
Total Liabilities and Net Assets / Fund Balance$68,567,131$68,675,929▲ $108,798

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$104,862$215,138$0
Other Land Buildings$0$0$0
Land$100,000-$0
Equipment$54,920$657,971$0
Leasehold Improvements$0$243,953$0
Compensation and Service Providers
Top Officer Pay5th percentile

Board Members and Trustees

NameTitle
Muriel IshizakaBoard Chair
Marta SimonsVice Chair
Alisa MooneyBoard Member
Ed DrewBoard Member
Kim MaddyBoard Member
Tom McGowanSecretary
Tom FickTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,852,167
Investment Income
$708,727
Other Revenue
$0
Change in Net Assets
$917,457
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$882,209
Salaries, Compensation, and Employee Benefits$761,228
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$533,739
Other Employee Benefits---$125,334
Information Technology---$68,190
Pension Plan Contributions---$56,226
Occupancy---$46,395
Payroll Taxes---$45,929
Other Expenses---$45,000
Office Expenses---$43,488
Payments to Affiliates---$32,846
Depreciation Depletion---$25,432
Advertising---$24,292
Insurance---$23,902
Fees for Services Other---$19,271
Conferences and Meetings---$11,851
Fees for Services Accounting---$6,325
Fees for Services Legal---$1,753
Total Functional Expenses$0$0$0$1,643,437
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
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
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 on compensation. Then they submit their findings to the entire board for approval. This is done annually.”

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
2020-03-11

Organization Details

Principal Officer
Nancy Blanchette
Formed
1961
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
14
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in total shares”

Financial Statement Notes

Schedule D, Part I, Line 1

“Land, building and equipment”

Raw XML AppendixShowing 400 of 403 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/PYTotalRevenueAmt02356952
IRS990/ReconcilationRevenueExpnssAmt0917457
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08746706
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09664164
IRS990/SavingsAndTempCashInvstGrp/BOYAmt035381899
IRS990/SavingsAndTempCashInvstGrp/EOYAmt034255641
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0104862
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0215138
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0320000
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt054920
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0657971
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0712891
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, building and equipment
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Schedule D, Part I, Line 1
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0259782
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 on compensation. Then they submit their findings to the entire board for approval. This is done annually.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Upon request
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Change in total shares
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/StatesWhereCopyOfReturnIsFldCd0OR
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt068567131
IRS990/TotalAssetsEOYAmt068675929
IRS990/TotalAssetsGrp/BOYAmt068567131
IRS990/TotalAssetsGrp/EOYAmt068675929
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt014
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01643437
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0190833
IRS990/TotalLiabilitiesEOYAmt0264114
IRS990/TotalLiabilitiesGrp/BOYAmt0190833
IRS990/TotalLiabilitiesGrp/EOYAmt0264114
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt068376298
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt068411815
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt00
IRS990/TotalProgramServiceRevenueAmt01852167
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02560894
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02560894
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt068567131
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt068675929
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
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/BuildTS02020-09-23 17:36:50Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Nancy Blanchette
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum05413879297
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-03-11
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/FilingSecurityInformation/IPAddress/IPv4AddressTxt0209.216.189.152
ReturnHeader/ReturnTs02020-04-23T14:24:28-07:00
ReturnHeader/ReturnTypeCd0990

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$68,675,929
Liabilities
$264,114
Net assets
$68,411,815
Revenue
$2,560,894
Expenses
$1,643,437
Net income
$917,457
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
2019Detailed filing. Detailed filing data is available for this year.$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
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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