IDAHO CENTRAL CREDIT UNION: Form 990, tax year 2024

View the entire original 990 at ProPublica ↗

Organization: IDAHO CENTRAL CREDIT UNION (EIN 82-0217065)
Tax period: 2024-01-01 to 2024-12-31
Filed: 2025-05-09
IRS object ID: 202541299349303044
Schema version: 2024v5.0
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule L
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2025-05-09T13:50:14-07:00	ReturnTs
Tax Period End	2024-12-31	TaxPeriodEndDt
Return Type	990	ReturnTypeCd
Tax Period Begin	2024-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	820217065	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	IDAHO CENTRAL CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	IDAH	BusinessNameControlTxt
Phone	2084783300	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 2469	AddressLine1Txt
City	Pocatello	CityNm
State Abbreviation	ID	StateAbbreviationCd
ZIP	83206	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	Brian Berrett	PersonNm
Person Title	Chief Financial Officer	PersonTitleTxt
Phone	2084783300	PhoneNum
Signature	2025-05-09	SignatureDt

Field	Value	IRS element (for citing)
IRS Responsible Prty Info Curr	Yes (1)	IRSResponsiblePrtyInfoCurrInd
Tax	2024	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	Brenda Worrell	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 2469	AddressLine1Txt
City	Pocatello	CityNm
State Abbreviation	ID	StateAbbreviationCd
ZIP	83206	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$739,145,782	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	www.iccu.com	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1940	FormationYr
Legal Domicile State	ID	LegalDomicileStateCd
Activity Or Mission	Credit Union providing financial products and services to members.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	2337	TotalEmployeeCnt
Total Volunteers	10	TotalVolunteersCnt
Total Gross UBI	$0	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$605,779,479	PYProgramServiceRevenueAmt
CY Program Service Revenue	$739,145,782	CYProgramServiceRevenueAmt
PY Investment Income	$0	PYInvestmentIncomeAmt
CY Investment Income	$0	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$605,779,479	PYTotalRevenueAmt
CY Total Revenue	$739,145,782	CYTotalRevenueAmt
PY Grants And Similar Paid	$0	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$0	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$255,337,023	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$340,575,139	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$149,440,921	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$169,702,855	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$105,446,928	PYOtherExpensesAmt
CY Other Expenses	$115,528,711	CYOtherExpensesAmt
PY Total Expenses	$510,224,872	PYTotalExpensesAmt
CY Total Expenses	$625,806,705	CYTotalExpensesAmt
PY Revenues Less Expenses	$95,554,607	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$113,339,077	CYRevenuesLessExpensesAmt
Total Assets BOY	$10,999,807,401	TotalAssetsBOYAmt
Total Assets EOY	$12,120,188,554	TotalAssetsEOYAmt
Total Liabilities BOY	$396,274,526	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$686,011,716	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$10,603,532,875	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$11,434,176,838	NetAssetsOrFundBalancesEOYAmt
Mission	Credit Union providing financial services to members.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Expense	$625,806,705	ExpenseAmt
Revenue	$739,145,780	RevenueAmt
Desc	Idaho Central serves 671,689 members through 59 locations. We provide a full range of financial products and services to our members. We pool member funds and loan them to members. All expenses are either related to having funds available to lend or operating costs. We provided loans to 276,868 of our members. Total loans outstanding at the end of the year were $10,511,463,089. All 671,689 of our members participate in our deposit products. During the year we spent $280,705,934 in interest expense to have funds available to lend to members.	Desc
Total Other Prog Srvc Expense	$0	TotalOtherProgSrvcExpenseAmt
Total Other Prog Srvc Grant	$0	TotalOtherProgSrvcGrantAmt
Total Other Prog Srvc Revenue	$0	TotalOtherProgSrvcRevenueAmt
Total Program Service Expenses	$625,806,705	TotalProgramServiceExpensesAmt
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	1	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	2337	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	0	UnrelatedBusIncmOverLimitInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	Yes (1)	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	0	ElectionOfBoardMembersInd
Decisions Subject To Approva	0	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	Idaho Central Credit Union	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	2084783300	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 2469	AddressLine1Txt
City	Pocatello	CityNm
State Abbreviation	ID	StateAbbreviationCd
ZIP	83206	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (19 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Average Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRt	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Key EmployeeKeyEmployeeInd	Former Ofcr Director TrusteeFormerOfcrDirectorTrusteeInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd
Brenda Worrell
Chief Executive Officer	60	0	Yes (X)	$2,095,015	$0	$194,087
Brian Berrett
Chief Financial Officer	60	0	Yes (X)	$694,832	$0	$225,385
Mark Willden
Chief Information Officer	60	0		$675,262	$0	$217,913	Yes (X)
Kent Oram
Former Chief Executive Officer	0	0		$837,338	$0	$17,705		Yes (X)
Michael Watson
Chief Marketing Officer	60	0		$669,280	$0	$159,695	Yes (X)
Corey Dahle
Chief Experience Officer	60	0		$699,451	$0	$45,165	Yes (X)
Edward Tierney
Chief Lending Officer	60	0		$624,507	$0	$40,908	Yes (X)
Dave Rusk
Mortgage Loan Officer	60	0		$654,297	$0	$10,323			Yes (X)
Jared Olson
Mortgage Loan Officer	60	0		$633,567	$0	$10,294			Yes (X)
Aric Alcantara
Mortgage Loan Officer	60	0		$543,120	$0	$10,344			Yes (X)
Christopher Helbling
Mortgage Loan Officer	60	0		$480,073	$0	$10,307			Yes (X)
Sean Palmer
Mortgage Loan Officer	60	0		$443,374	$0	$11,318			Yes (X)
Debbie Brady
Chairman	5	0		$0	$0	$0				Yes (X)
Russ McCoy
Board Member	5	0		$0	$0	$0				Yes (X)
Troy Neu
Board Member	5	0		$0	$0	$0				Yes (X)
Jonathon Hunt
Board Member	5	0		$0	$0	$0				Yes (X)
Judy Harveston
Board Member	5	0		$0	$0	$0				Yes (X)
Cindy Watson
Board Member	5	0		$0	$0	$0				Yes (X)
Jace Katseanes
Board Member	5	0		$0	$0	$0				Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$9,050,116	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$953,444	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	225	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	Yes (1)	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd
Cntrct Rcvd Greater Than100 K	0	CntrctRcvdGreaterThan100KCnt
Total Contributions	$0	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt	ExclusionExclusionAmt
Interest on Loans to Members	522130	$562,196,806	$562,196,806	$0	$0
Other Member Income	522130	$86,249,474	$86,249,474	$0	$0
Income from Member Fees and Charges	522130	$55,790,973	$55,790,973	$0	$0
Investment Income	522100	$34,908,529	$34,908,529	$0	$0

Total Oth Program Service Rev TotalOthProgramServiceRevGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$0	TotalRevenueColumnAmt
Related Or Exempt Func Income	$0	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Field	Value	IRS element (for citing)
Total Program Service Revenue	$739,145,782	TotalProgramServiceRevenueAmt

Rental Income Or Loss RentalIncomeOrLossGrp

Field	Value	IRS element (for citing)
Real	$0	RealAmt
Personal	$0	PersonalAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	$0	SecuritiesAmt
Other	$0	OtherAmt

Field	Value	IRS element (for citing)
Other Revenue Total	$0	OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$739,145,782	TotalRevenueColumnAmt
Related Or Exempt Func Income	$739,145,782	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$0	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$340,575,139	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$7,008,351	TotalAmt

Comp Disqual Persons CompDisqualPersonsGrp

Field	Value	IRS element (for citing)
Total	$119,854,852	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$5,371,013	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$27,795,268	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$9,673,371	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$214,832	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$1,249,000	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$1,729,079	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$24,269,467	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$12,105,945	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$27,443,024	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$8,826,864	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$5,475,102	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$1,540,716	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$18,663,433	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$13,107,846	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$720,350	TotalAmt

Other Expenses OtherExpensesGrp

Field	Value	IRS element (for citing)
Desc	Miscellaneous Expenses	Desc
Total	$183,053	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$625,806,705	TotalAmt
Program Services	$0	ProgramServicesAmt
Management And General	$0	ManagementAndGeneralAmt
Fundraising	$0	FundraisingAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$61,467,843	BOYAmt
EOY	$86,121,786	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$608,019,149	BOYAmt
EOY	$615,816,420	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$9,614,945	BOYAmt
EOY	$9,873,551	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$9,463,167,744	BOYAmt
EOY	$10,444,952,649	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$56,379,611	BOYAmt
EOY	$76,551,787	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$494,981,417	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$52,244,614	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$397,596,514	BOYAmt
EOY	$442,736,803	EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

Field	Value	IRS element (for citing)
BOY	$140,551,107	BOYAmt
EOY	$171,209,099	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$263,010,488	BOYAmt
EOY	$272,926,459	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$10,999,807,401	BOYAmt
EOY	$12,120,188,554	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$179,088,403	BOYAmt
EOY	$172,599,211	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$171,438,791	BOYAmt
EOY	$463,877,219	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$45,747,332	BOYAmt
EOY	$49,535,286	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$396,274,526	BOYAmt
EOY	$686,011,716	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$9,773,880,982	BOYAmt
EOY	$10,481,587,360	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$829,651,893	BOYAmt
EOY	$952,589,478	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$10,603,532,875	BOYAmt
EOY	$11,434,176,838	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$10,999,807,401	BOYAmt
EOY	$12,120,188,554	EOYAmt

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	Yes (X)	InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss	$113,339,077	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$0	NetUnrlzdGainsLossesInvstAmt
Donated Services And Use Fclts	$0	DonatedServicesAndUseFcltsAmt
Investment Expense	$0	InvestmentExpenseAmt
Prior Period Adjustments	$0	PriorPeriodAdjustmentsAmt
Other Changes In Net Assets	$717,304,886	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$193,685,196	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Book Value	$193,685,196	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$240,515,310	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$20,570,992	DepreciationAmt
Book Value	$219,944,318	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$4,347,007	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$3,543,044	DepreciationAmt
Book Value	$803,963	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$56,433,904	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$28,130,578	DepreciationAmt
Book Value	$28,303,326	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	$0	InvestmentCostOrOtherBasisAmt
Other Cost Or Other Basis	$0	OtherCostOrOtherBasisAmt
Depreciation	$0	DepreciationAmt
Book Value	$0	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$442,736,803	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	Other Liabilities	Desc
Amt	$49,535,286	Amt

Field	Value	IRS element (for citing)
Total Liability	$49,535,286	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
First Class Or Charter Travel	Yes (X)	FirstClassOrCharterTravelInd
Travel For Companions	Yes (X)	TravelForCompanionsInd
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Independent Consultant	Yes (X)	IndependentConsultantInd
Written Employment Contract	Yes (X)	WrittenEmploymentContractInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	Yes (1)	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (12 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
Kent Oram
Former Chief Executive Officer	$330,054	$0	$0	$0	$507,284	$0	$0	$0	$17,705	$0	$855,043	$0	$0	$0
Brenda Worrell
Chief Executive Officer	$1,378,803	$0	$704,834	$0	$11,378	$0	$136,302	$0	$57,785	$0	$2,289,102	$0	$0	$0
Brian Berrett
Chief Financial Officer	$573,264	$0	$108,685	$0	$12,882	$0	$185,774	$0	$39,611	$0	$920,216	$0	$0	$0
Mark Willden
Chief Information Officer	$554,158	$0	$105,568	$0	$15,535	$0	$185,085	$0	$32,828	$0	$893,174	$0	$0	$0
Edward Tierney
Chief Lending Officer	$539,953	$0	$76,655	$0	$7,899	$0	$9,464	$0	$31,444	$0	$665,415	$0	$0	$0
Corey Dahle
Chief Experience Officer	$578,795	$0	$109,790	$0	$10,866	$0	$8,573	$0	$36,592	$0	$744,616	$0	$0	$0
Michael Watson
Chief Marketing Officer	$445,371	$0	$214,541	$0	$9,368	$0	$137,508	$0	$34,327	$0	$841,115	$0	$0	$0
Dave Rusk
Mortgage Loan Officer	$0	$0	$654,205	$0	$92	$0	$8,298	$0	$10,323	$0	$672,918	$0	$0	$0
Jared Olson
Mortgage Loan Officer	$0	$0	$633,553	$0	$15	$0	$8,191	$0	$10,294	$0	$652,053	$0	$0	$0
Aric Alcantara
Mortgage Loan Officer	$0	$0	$543,113	$0	$6	$0	$8,330	$0	$10,344	$0	$561,793	$0	$0	$0
Christopher Helbling
Mortgage Loan Officer	$0	$0	$480,065	$0	$7	$0	$8,191	$0	$10,307	$0	$498,570	$0	$0	$0
Sean Palmer
Mortgage Loan Officer	$0	$0	$443,168	$0	$206	$0	$8,457	$0	$11,318	$0	$463,149	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Schedule J, Part I, Line 1a	Idaho Central provides certain key employees first class air, travel for companions, and health or social club dues.
Schedule J, Part I, Line 4	Idaho Central deposited funds into a life insurance policy on the participants' life, and subject to the policy generating sufficient values, the participant can borrow from the policy. At death, the organization recovers its premiums plus interest plus additional key-person insurance proceeds.

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp (8 entries)

Relationship With OrgRelationshipWithOrgTxt	Loan PurposeLoanPurposeTxt	Loan From OrganizationLoanFromOrganizationInd	Original PrincipalOriginalPrincipalAmt	Balance DueBalanceDueAmt	DefaultDefaultInd	Board Or Committee ApprovalBoardOrCommitteeApprovalInd	Written AgreementWrittenAgreementInd
Kent Oram
Former CEO	Funds Purchase Split Dollar Life Insurance	Yes (X)	$23,500,000	$24,362,572	0	Yes (1)	Yes (1)
Shelli Bardsley
Former Chief Administrative Officer	Funds Purchase Split Dollar Life Insurance	Yes (X)	$2,600,000	$3,284,692	0	Yes (1)	Yes (1)
Brenda Worrell
Chief Executive Officer	Funds Purchase Split Dollar Life Insurance	Yes (X)	$21,300,000	$22,098,793	0	Yes (1)	Yes (1)
Brian Berrett
Chief Financial Officer	Funds Purchase Split Dollar Life Insurance	Yes (X)	$5,450,000	$5,808,041	0	Yes (1)	Yes (1)
Edward Tierney
Chief Lending Officer	Funds Purchase Split Dollar Life Insurance	Yes (X)	$3,900,000	$4,498,458	0	Yes (1)	Yes (1)
Mark Willden
Chief Information Officer	Funds Purchase Split Dollar Life Insurance	Yes (X)	$7,550,000	$7,631,271	0	Yes (1)	Yes (1)
Corey Dahle
Chief Experience Officer	Funds Purchase Split Dollar Life Insurance	Yes (X)	$2,950,000	$3,219,342	0	Yes (1)	Yes (1)
Michael Watson
Chief Marketing Officer	Funds Purchase Split Dollar Life Insurance	Yes (X)	$4,000,000	$3,991,170	0	Yes (1)	Yes (1)

Field	Value	IRS element (for citing)
Total Balance Due	$74,894,339	TotalBalanceDueAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
Form 990, Part VI, Section A, Line 6	Idaho Central is a member owned, not for profit credit union.
Form 990, Part VI, Section B, Line 11b	The Chief Financial Officer (also a CPA) prepares the 990. It is then submitted to the Chief Executive Officer (also a CPA) prior to filing.
Form 990, Part VI, Section B, Line 12c	We consistently monitor and enforce compliance with the conflict of interest policy. It also covers Board Members, key staff, and family members. A review is performed at least annually. In addition, auditors and examiners review accounts held by the aforementioned persons.
Form 990, Part VI, Section B, Line 15	Annually, the Board of Directors reviews salary surveys of similar sized institutions and sets the salary of the Chief Executive Officer according to that and how Idaho Central is performing. The Chief Executive Officer sets the salary of all other employees of the Credit Union. Each employee receives an annual salary review.
Form 990, Part VI, Section C, Line 19	The financial statements are published in the branch offices and are available upon request. Other documents may also be made available upon request.
Form 990, Part XI, Line 9	The change in deposits is $707,706,378. The change in merger equity via a merger is $1,275,056. The change in Insurance Services equity is $370,437. The change in Other Comprehensive Income is $7,953,015.