St Joe Valley Credit Union
- Assets
- $12.7m
- Revenue
- $331.0k
- Investments
- $0.0
- Employees
- 6
- Location
- St Maries, ID
- Founding
- Data as of
- 12/2021
- EIN
- 82-6027648
Organization Overview
St Joe Valley Credit Union is located in St Maries, ID. As of 12/2021, St Joe Valley Credit Union employed 6 individuals. St Joe Valley Credit Union is a 501(c)(14) and as such, is described as a "State Chartered Credit Union, Mutual Reserve Fund" by the IRS.
For the year ending 12/2021, St Joe Valley Credit Union generated $331.0k in total revenue. This represents relatively stable growth, over the past 6 years the organization has increased revenue by an average of 6.4% each year. All expenses for the organization totaled $251.3k during the year ending 12/2021. While expenses have increased by 2.2% per year over the past 6 years. They've been increasing with an increasing level of total revenue. You can explore the organizations financials more deeply in the financial statements section below.
Form
990
Mission & Program ActivityExcerpts From the 990 Filing
TAX YEAR
2021
Describe the Organization's Mission:
Part 3 - Line 1
PROMOTING THRIFT AMONG ITS MEMBERS BY GIVING THEM THE OPPORTUNITY FOR ACCUMULATING THEIR SAVINGS, AND PROVIDING THEM A SOURCE OF AFFORDABLE CREDIT AND FINANCIAL SERVICES FOR PRODUCTIVE PURPOSES.
Describe the Organization's Program Activity:
Part 3 - Line 4a
SAVINGS, CERTIFICATES OF DEPOSIT, IRA ACCOUNTS
LOANS
CHECKING ACCOUNTS
SAVINGS, CERTIFICATES OF DEPOSIT, IRA ACCOUNTS
LOANS
CHECKING ACCOUNTS
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Board, Officers & Key Employees
| Name (title) | Role | Hours | Compensation |
|---|---|---|---|
Gloria Rauch Ceo/manager | 44 | $59,421 | |
Dale Hill President Of The Board | Trustee | 0.5 | $0 |
Dale Baerlocher Treasurer | Trustee | 1 | $0 |
Beth Nelson Director | Trustee | 0.5 | $0 |
Teresa Jeffrey Secretary | Trustee | 1 | $0 |
Roger Nelson Vice-President | Trustee | 0.5 | $0 |
Financial Statements
| Statement of Revenue | |
|---|---|
| Federated campaigns | $0 |
| Membership dues | $0 |
| Fundraising events | $0 |
| Related organizations | $0 |
| Government grants | $0 |
| All other contributions, gifts, grants, and similar amounts not included above | $0 |
| Noncash contributions included in lines 1a–1f | $0 |
| Total Revenue from Contributions, Gifts, Grants & Similar | $0 |
| Total Program Service Revenue | $300,469 |
| Investment income | $30,488 |
| Tax Exempt Bond Proceeds | $0 |
| Royalties | $0 |
| Net Rental Income | $0 |
| Net Gain/Loss on Asset Sales | $0 |
| Net Income from Fundraising Events | $0 |
| Net Income from Gaming Activities | $0 |
| Net Income from Sales of Inventory | $0 |
| Miscellaneous Revenue | $0 |
| Total Revenue | $330,957 |
| Statement of Expenses | |
|---|---|
| Grants and other assistance to domestic organizations and domestic governments. | $0 |
| Grants and other assistance to domestic individuals. | $0 |
| Grants and other assistance to Foreign Orgs/Individuals | $0 |
| Benefits paid to or for members | $0 |
| Compensation of current officers, directors, key employees. | $0 |
| Compensation of current officers, directors, key employees. | $0 |
| Compensation to disqualified persons | $0 |
| Other salaries and wages | $133,324 |
| Pension plan accruals and contributions | $2,773 |
| Other employee benefits | $3,004 |
| Payroll taxes | $10,723 |
| Fees for services: Management | $0 |
| Fees for services: Legal | $0 |
| Fees for services: Accounting | $7,428 |
| Fees for services: Lobbying | $0 |
| Fees for services: Fundraising | $0 |
| Fees for services: Investment Management | $0 |
| Fees for services: Other | $0 |
| Advertising and promotion | $2,036 |
| Office expenses | $62,207 |
| Information technology | $20,731 |
| Royalties | $0 |
| Occupancy | $16,118 |
| Travel | $0 |
| Payments of travel or entertainment expenses for any federal, state, or local public officials | $0 |
| Conferences, conventions, and meetings | $400 |
| Interest | $0 |
| Payments to affiliates | $0 |
| Depreciation, depletion, and amortization | $6,067 |
| Insurance | $9,681 |
| All other expenses | -$46,484 |
| Total functional expenses | $251,258 |
| Balance Sheet | |
|---|---|
| Cash—non-interest-bearing | $91,672 |
| Savings and temporary cash investments | $6,851,727 |
| Pledges and grants receivable | $0 |
| Accounts receivable, net | $0 |
| Loans from Officers, Directors, or Controlling Persons | $0 |
| Loans from Disqualified Persons | $0 |
| Notes and loans receivable | $5,411,446 |
| Inventories for sale or use | $0 |
| Prepaid expenses and deferred charges | $20,853 |
| Net Land, buildings, and equipment | $143,496 |
| Investments—publicly traded securities | $0 |
| Investments—other securities | $0 |
| Investments—program-related | $0 |
| Intangible assets | $0 |
| Other assets | $173,957 |
| Total assets | $12,693,151 |
| Accounts payable and accrued expenses | $78,187 |
| Grants payable | $0 |
| Deferred revenue | $0 |
| Tax-exempt bond liabilities | $0 |
| Escrow or custodial account liability | $0 |
| Loans and other payables to any current Officer, Director, or Controlling Person | $0 |
| Secured mortgages and notes payable | $0 |
| Unsecured mortgages and notes payable | $0 |
| Other liabilities | $0 |
| Total liabilities | $78,187 |
| Net assets without donor restrictions | $0 |
| Net assets with donor restrictions | $0 |
| Capital stock or trust principal, or current funds | $12,034,544 |
| Paid-in or capital surplus, or land, building, or equipment fund | $0 |
| Retained earnings, endowment, accumulated income, or other funds | $580,420 |
| Total liabilities and net assets/fund balances | $12,693,151 |
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