2013-08-27T16:38:47-05:00 2012-12-31 450250958 EIDE BAILLY LLP 877 W MAIN ST STE 800 BOISE ID 83702 990 2012-01-01 820202653 IDADIV CREDIT UNION IDAD 2084676583 PO BOX 500 NAMPA ID 83653 WENDY EDWARDS 2084676583 2013-08-22 1 LEANN M SANNES P01258277 2083447150 2013-08-22 2012 2016-02-24 21:20:13Z WENDY EDWARDS PO BOX 500 NAMPA ID 83653 2774667 0 1231 X WWW.IDADIV.COM X 1948 ID EXTEND CREDIT TO MEMBERS AS PRIMARY BUSINESS ACTIVITY, AS WELL AS PROVIDE OTHER LOW COST FINANCIAL SERVICES TO MEMBERS. 7 7 39 10 0 1510 0 0 2816893 2621508 112124 68080 71195 85079 3000212 2774667 0 0 0 0 1043670 1029894 0 0 0 2422313 1070209 3465983 2100103 -465771 674564 41945833 44524815 38498642 40403060 3447191 4121755 X THE MISSION OF OUR CREDIT UNION SHALL BE TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS. WE WILL CONTINUE TO PROVIDE LOW COST MEMBER BENEFITS, AT THE SAME TIME ADHERING TO ALL CREDIT UNION PRINCIPLES THRU PRUDENT MANAGEMENT TACTICS AND EDUCATION OF STAFF, BOARD, COMMITTEE AND MEMBERSHIP. 0 0 THE CREDIT UNION SERVED 10,275 MEMBERS IN 2012. 0 0 0 0 0 0 0 0 0 1 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 774 0 1 39 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 1 0 1 1 1 1 0 0 1 1 1 1 1 1 1 1 1 1 0 X WENDY EDWARDS 2084676583 1822 N MIDLAND BLVD NAMPA ID 83651 BRETT SPENCER 0.50 X X 0 0 0 DENNIS ELLEDGE 0.50 X X 0 0 0 JUDY CIGLER 0.50 X X 0 0 0 KAREN SERRATOS 0.50 X X 0 0 0 KATHLEEN ARCHER 0.50 X 0 0 0 STEVE INECK 0.50 X 0 0 0 TOM DOAN 0.50 X 0 0 0 WENDY EDWARDS 42.00 X 66873 0 193 NICK FUGAL 42.00 X 22516 0 0 89389 0 193 0 0 0 0 CREDIT UNION DATA PROCESSING 209 E GORDON AVE LAYTON UT 84041 CORE PROCESSOR 163549 1 INTEREST ON LOANS 522200 1884025 1884025 VISA INTERCHANGE INCOM 522200 455366 455366 FEE INCOME 524298 282117 282117 2621508 68080 68080 OTHER OPERATING INCOME 522100 85079 85079 85079 2774667 2706587 0 68080 89582 756350 29424 154538 3176 1413 6491 43327 49399 103021 143508 26783 2495 98442 43238 LOAN SERVICING EXPENSE 230570 DATA PROCESSING EXPENSE 111250 DEBIT CARD EXPENSE 93288 DIVIDENDS 77752 36056 2100103 861327 676322 8918494 9634419 1395 2752 26943434 26317898 160101 58270 3356162 786323 2595609 2569839 2465473 5265315 41945833 44524815 167528 156627 38331114 40246433 38498642 40403060 X 0 0 0 0 3447191 4121755 3447191 4121755 41945833 44524815 674564 0 X X 0 0 0 919019 919019 2109979 542183 1567796 327164 244140 83024 2569839 NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 376945 ACCRUED INTEREST ON LOANS 80255 ACCRUED INTEREST ON INVESTMENTS 3744 OTHER ASSETS 8569 CHECK CLEARING DEPOSITS 4795802 5265315 MEMBER SHARE ACCOUNTS 40241216 DIVIDENDS PAYABLE 5217 40246433 FORM 990, PART VI, SECTION A, LINE 4 THE ORGANIZATION UPDATED THE BYLAWS TO CHANGE THE MINIMUM SHARE DEPOSIT AMOUNT FROM $50 TO $5. FORM 990, PART VI, SECTION A, LINE 6 EACH ACCOUNT HOLDER IS A MEMBER OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A THE MEMBERSHIP ELECTS THE BOARD OF DIRECTORS. THE BOARD OF DIRECTORS APPOINTS THE SUPERVISORY COMMITTEE. FORM 990, PART VI, SECTION A, LINE 7B SIGNIFICANT DECISIONS, SUCH AS MERGING THE CREDIT UNION, WOULD REQUIRE MEMBERSHIP APPROVAL. FORM 990, PART VI, SECTION A, LINE 8B DURING 2012 THE ORGANIZATION HAD ALM, SUPERVISORY, AND SPECIAL MANAGEMENT TEAM COMMITTEES FOR WHICH MEETINGS WERE HELD AND MINUTES AND ACTIONS WERE RECORDED. HOWEVER, NONE OF THESE COMMITTEES HAD AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY DURING THE YEAR. ANY ACTIONS RECOMMENDED BY THE COMMITTEES WERE REQUIRED TO OBTAIN BOARD APPROVAL. FORM 990, PART VI, SECTION B, LINE 11 THE CEO AND CFO OF THE CREDIT UNION WILL REVIEW A DRAFT COPY OF THE FORM 990 AND PROVIDE COPIES TO THE BOARD FOR REVIEW PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C ALL EMPLOYEES, BOARD MEMBERS AND COMMITTEE MEMBERS OF THE ORGANIZATION ARE COVERED BY THE WRITTEN CONFLICT OF INTEREST POLICY. DETERMINATIONS REGARDING A CONFLICT OF INTEREST ARE MADE BY EXECUTIVE COMMITTEE MEMBERS, THE BOARD OF DIRECTORS OR LEGAL COUNSEL. ANY VIOLATION OF THE CONFLICT OF INTEREST POLICY MAY RESULT IN DISCIPLINARY ACTION UP TO AND INCLUDING DISCHARGE OR REMOVAL FROM EMPLOYMENT OR THE BOARD/COMMITTEE POSITION. FORM 990, PART VI, SECTION B, LINE 15 THE ORGANIZATION'S BOARD OF DIRECTORS REVIEWS CEO COMPENSATION ON AN ANNUAL BASIS. THE CEO PERFORMS AN ANNUAL REVIEW OF ALL OTHER EMPLOYEES ANNUALLY. BOTH REVIEW PROCESSES UTILIZE COMPEASE SOFTWARE DATA IN ORDER TO EVALUATE COMPENSATION. COMPENSATION REVIEWS WERE LAST PERFORMED IN NOVEMBER, 2012. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION MAKES DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FORM 990, PART XI, LINE 2: THE CREDIT UNION IS GOVERNED BY THE NATIONAL CREDIT UNION ADMINISTRATION. AS SUCH, REGULATORS REVIEW THE FINANCIAL TRANSACTIONS OF THE CREDIT UNION ON A CONSISTENT BASIS. IN ADDITION, THE CREDIT UNION MAINTAINS AN AUDIT COMMITTEE TO OVERSEE THE PERFORMANCE OF AGREED UPON PROCEDURES WITH REGARD TO CREDIT UNION FINANCIAL INFORMATION.