Civic Intelligence

Cascade Central Credit Union

990 • Fiscal year 2020 • EIN 93-0513239

Jan 01, 2020 to Dec 31, 2020 • Filed on Mar 12, 2021

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

8th percentile

0.01x

Higher debt load relative to assets than 8% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Liabilities / Revenue

9th percentile

0.50x

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

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Net Margin

1st percentile

-18%

Higher net margin than 1% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

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.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Asset Growth

70th percentile

18%

Faster asset growth than 70% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Revenue Growth

29th percentile

-7.5%

Faster revenue growth than 29% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets8th percentile

Assets

Up

$81,241,386

Up $12,565,457 (+18%) from 2019

Net Assets

Up

$80,064,667

Up $11,652,852 (+17%) from 2019

Liabilities

Up

$1,176,719

Up $912,605 (+346%) from 2019

Revenue And Expenses
Liabilities / Revenue9th percentileNet Margin1st percentile

Revenue

Down

$2,369,039

Down $191,855 (-7.5%) from 2019

Expenses

Up

$2,792,011

Up $1,148,574 (+70%) from 2019

Net Income

Down

-$422,972

Down $1,340,429 (-146%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth70th 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

2020

Assets$81,241,386
Liabilities$1,176,719
Net Assets$80,064,667
Open 2020 Filing

Operations Trend

Revenue Growth29th 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

2020

Revenue$2,369,039
Expenses$2,792,011
Net Income-$422,972
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Mar 12, 2021
Return Version
2020v4.0
Gross Receipts
$2,545,184
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$58,747,651$70,823,476▲ $12,075,825
Savings and Temporary Cash Investments$34,255,641$44,386,977▲ $10,131,336
Accounts Receivable$32,832,924$35,390,772▲ $2,557,848
Rtn Earn Endowment Incm Other Fnds$9,664,164$9,241,191▼ $422,973
Investments Program Related$561,626$605,244▲ $43,618
Prepaid Expenses and Deferred Charges$482,193$356,660▼ $125,533
Cash and Non-Interest-Bearing Accounts$283,763$307,539▲ $23,776
Land, Buildings, and Equipment, Net$259,782$194,194▼ $65,588
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Total Assets$68,675,929$81,241,386▲ $12,565,457
Liabilities
Accounts Payable and Accrued Expenses$264,114$1,176,719▲ $912,605
Total Liabilities$264,114$1,176,719▲ $912,605
Net Assets / Fund Balance
Total Net Assets Fund Balance$68,411,815$80,064,667▲ $11,652,852
Total Liabilities and Net Assets / Fund Balance$68,675,929$81,241,386▲ $12,565,457

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$94,194$225,806$0
Other Land Buildings$0$0$0
Land$100,000-$0
Equipment$0$0$0
Leasehold Improvements$0$0$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
$1,997,964
Investment Income
$371,075
Other Revenue
$0
Change in Net Assets
$-422,972
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,541,069
Salaries, Compensation, and Employee Benefits$1,250,942
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$570,844--$570,844
Other Employee Benefits$569,671--$569,671
Information Technology$196,620--$196,620
Occupancy$100,485--$100,485
Depreciation Depletion$67,794--$67,794
Pension Plan Contributions$59,627--$59,627
Payroll Taxes$50,800--$50,800
Office Expenses$45,017--$45,017
Fees for Services Other$39,352--$39,352
Insurance$38,730--$38,730
Payments to Affiliates$38,155--$38,155
Other Expenses$30,000$0$0$30,000
Advertising$19,620--$19,620
Fees for Services Accounting$18,610--$18,610
Fees for Services Legal$7,201--$7,201
Conferences and Meetings$3,402--$3,402
Total Functional Expenses$2,792,011$0$0$2,792,011
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
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
2021-03-12

Organization Details

Principal Officer
Nancy Blanchette
Formed
1961
Legal Domicile
Or
Voting Board Members
7
Independent Board Members
7
Employees
13
Volunteers
10
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Change in total shares”

Raw XML Appendix389 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/ActivitiesConductedPrtshpInd00
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IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09241191
IRS990/SavingsAndTempCashInvstGrp/BOYAmt034255641
IRS990/SavingsAndTempCashInvstGrp/EOYAmt044386977
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt094194
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0225806
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0320000
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt00
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0100000
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
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0194194
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/TotalAssetsBOYAmt068675929
IRS990/TotalAssetsEOYAmt081241386
IRS990/TotalAssetsGrp/BOYAmt068675929
IRS990/TotalAssetsGrp/EOYAmt081241386
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt02792011
IRS990/TotalFunctionalExpensesGrp/TotalAmt02792011
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0264114
IRS990/TotalLiabilitiesEOYAmt01176719
IRS990/TotalLiabilitiesGrp/BOYAmt0264114
IRS990/TotalLiabilitiesGrp/EOYAmt01176719
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt068411815
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt080064667
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt00
IRS990/TotalOthProgramServiceRevGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt02792011
IRS990/TotalProgramServiceRevenueAmt01997964
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02369039
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02369039
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt068675929
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt081241386
IRS990/TotReportableCompRltdOrgAmt00
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/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL2
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/OOBSecurityVerificationCd011
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd01
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Nancy Blanchette
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum05413879297
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-03-12
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/ReturnTs02021-04-07T14:46:40-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02020-01-01
ReturnHeader/TaxPeriodEndDt02020-12-31
ReturnHeader/TaxYr02020

Document Assets

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Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$81,241,386
Liabilities
$1,176,719
Net assets
$80,064,667
Revenue
$2,369,039
Expenses
$2,792,011
Net income
-$422,972
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2020Detailed filing. Detailed filing data is available for this year.$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
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