2013-04-10T16:47:09-05:00 2012-12-31 450250958 EIDE BAILLY LLP 877 W MAIN ST STE 800 BOISE ID 83702 990 2012-01-01 820200722 IDAHO ADVANTAGE CREDIT UNION IDAH 2083273445 10536 EMERALD ST BOISE ID 83704 PATRICK B VAUGHN 2083273445 2013-03-29 1 LEANN M SANNES P01258277 2083447150 2013-03-29 2012 2016-02-25 16:41:14Z PATRICK B VAUGHN 10536 EMERALD ST BOISE ID 83704 4312230 0 1231 X WWW.IDACU.ORG X 1938 ID PROMOTING THE FINANCIAL WELL-BEING OF 6,806 MEMBERS BY PROVIDING LOAN AND SAVINGS SERVICES AT COMPETITIVE RATES. 6 6 20 15 0 5000 0 0 1646523 1663104 646961 493827 317027 353370 2610511 2510301 0 0 0 0 806139 851380 0 0 0 1625179 1512420 2431318 2363800 179193 146501 58139500 61101807 53681898 56497704 4457602 4604103 WE PROMISE TO GIVE OUR MEMBERS WORLD-CLASS SERVICE WITH TOP QUALITY PRODUCTS THEY WILL RECOGNIZE AS BUILDING FINANCIAL SOLUTIONS FOR A SECURE FUTURE. 0 0 SAVINGS, LOANS, AND INVESTMENTS. 0 0 0 0 0 0 0 0 0 1 0 1 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 1 919 0 1 20 1 1 1 0 0 0 0 0 0 0 X 6 6 0 0 0 0 1 1 1 1 0 0 1 1 1 1 1 1 1 1 1 1 0 X SHANNON LORD 2083273445 10536 EMERALD ST BOISE ID 83704 QUENTIN HOWARD 1.00 X X 0 0 0 ALMA MARVIN 1.00 X X 0 0 0 JOY VEGA 1.00 X X 0 0 0 EILEEN DINGELDEIN 1.00 X X 0 0 0 GEFF ANDERSON 1.00 X 0 0 0 JOE VILLAREAL 1.00 X 0 0 0 CAROLYN PETERSON 1.00 X 0 0 0 ROBERT MOORE 1.00 X 0 0 0 PATRICK B VAUGHN 40.00 X 105315 0 13194 105315 0 13194 1 0 0 0 0 MEMBER LOANS 522100 1245155 1245155 MEMBER SERVICES 522100 417949 417949 1663104 529543 529543 1766213 1801929 -35716 -35716 -35716 CREDIT & DEBIT CARD INTERCHANGE 522100 328574 328574 INSURANCE 522100 7845 7845 MORTGAGE FUNDING 522100 7073 7073 9878 9878 353370 2510301 2510301 0 0 118509 533746 31177 115435 52513 4846 1100 13800 350674 55282 126253 144490 20975 64242 96389 DIVIDENDS 313955 PROVISION FOR LOSSES 152826 LOAN COLLECTION & SERVI 115706 FRAUD EXPENSE 19807 32075 2363800 435373 464856 11186652 6090000 3000 4180 43108 31422 1151706 581411 625065 570295 22397333 22519272 23448969 31421782 58139500 61101807 327597 364282 53354301 56133422 53681898 56497704 X 0 0 0 0 4457602 4604103 4457602 4604103 58139500 61101807 146501 0 X X 1 X 0 1 0 161124 161124 513011 270754 242257 107653 47546 60107 369918 263111 106807 570295 MEMBER LOANS 22519272 C 22519272 NCUA SHARE DEPOSIT 533998 ACCRUED INCOME ON INVESTMENTS & LOANS 145830 PROGRAM DEPOSITS & MISC ASSETS 19187 INVESTMENTS - CDS, CORPORATES AND FEDERAL AGENCIES 30722767 31421782 MEMBER SHARES 56133422 56133422 FORM 990, PART VI, SECTION A, LINE 6 ALL DEPOSITORS ARE CONSIDERED MEMBERS OF THE CREDIT UNION. FORM 990, PART VI, SECTION A, LINE 7A EACH YEAR, MEMBERS OF THE CREDIT UNION ELECT THE BOARD OF DIRECTORS FROM THE GENERAL MEMBERSHIP AT THE ANNUAL MEETING. FORM 990, PART VI, SECTION A, LINE 7B MEMBER APPROVAL IS REQUIRED FOR ORGANIZATIONAL DECISIONS INVOLVING MERGERS, ACQUISITIONS AND CHARTER CHANGES. FORM 990, PART VI, SECTION A, LINE 8B THE ORGANIZATION DOES NOT HAVE ANY COMMITTEES WITH AUTHORITY TO ACT ON BEHALF OF THE GOVERNING BODY. FORM 990, PART VI, SECTION B, LINE 11 ALL BOARD MEMBERS RECEIVED AN ELECTRONIC COPY OF THE FORM 990. ANY QUESTIONS OR COMMENTS WERE ADDRESSED AND RESOLVED PRIOR TO SUBMITTING THE RETURN. FORM 990, PART VI, SECTION B, LINE 12C CONFLICTS OF INTEREST ARE DISCUSSED WITH THE BOARD ON A REGULAR BASIS. ALL BOARD MEMBERS HAVE BEEN EDUCATED AS TO WHAT A CONFLICT OF INTEREST IS AND WILL REPORT ANY SUSPECTED CONFLICTS TO THE BOARD. ANY BOARD MEMBER WITH A CONFLICT OF INTEREST WILL ABSTAIN FROM VOTING ON THE ISSUE. FORM 990, PART VI, SECTION B, LINE 15 FORMAL ANNUAL WRITTEN REVIEWS ARE CONDUCTED BY THE ORGANIZATION. THE BOARD OF DIRECTORS CONDUCTS THE EVALUATION OF THE CEO AND THE CEO CONDUCTS THE EVALUATIONS FOR ALL OFFICERS AND KEY EMPLOYEES. THE LAST COMPARABILITY STUDY FOR CEO COMPENSATION WAS COMPLETED DURING 2010. ALL OTHER COMPENSATION IS REVIEWED ANNUALLY AND DETERMINED USING COMPARABLE SALARY DATA FOR THE AREA. FORM 990, PART VI, SECTION C, LINE 19 THE ORGANIZATION'S DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. OTHER FEES FORM 990, PART IX, LINE 11G BANK SERVICE CHARGES: TOTAL EXPENSES 42,666. OUTSIDE SERVICES: TOTAL EXPENSES 117,758. DEBIT CARD PROCESSING: TOTAL EXPENSES 182,982. ADMINISTRATIVE FEES: TOTAL EXPENSES 7,268. FORM 990, PART XII, LINE 2A: 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. FORM 990, PART XII, LINE 2C: NO CHANGE IN OVERSIGHT OR SELECTION PROCESS FROM PRIOR YEAR.