IDAHO CENTRAL CREDIT UNION: Form 990, tax year 2010

View the entire original 990 at ProPublica ↗

Organization: IDAHO CENTRAL CREDIT UNION (EIN 82-0217065)
Tax period: 2010-01-01 to 2010-12-31
Filed: 2011-05-12
IRS object ID: 201121329349302927
Schema version: 2010v3.2
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 O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Timestamp	2011-05-12T13:09:04-07:00	Timestamp
Tax Period End Date	2010-12-31	TaxPeriodEndDate
Return Type	990	ReturnType
Tax Period Begin Date	2010-01-01	TaxPeriodBeginDate

Filer Filer

Field	Value	IRS element (for citing)
EIN	820217065	EIN

Name Name

Field	Value	IRS element (for citing)
Business Name Line1	IDAHO CENTRAL CREDIT UNION	BusinessNameLine1

Field	Value	IRS element (for citing)
Name Control	IDAH	NameControl
Phone	2084783300	Phone

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	PO Box 2469	AddressLine1
City	Pocatello	City
State	ID	State
ZIP Code	83206	ZIPCode

Officer Officer

Field	Value	IRS element (for citing)
Name	Brian Berrett	Name
Title	Vice President of Finance	Title
Phone	2084783300	Phone
Date Signed	2011-05-12	DateSigned

Field	Value	IRS element (for citing)
Tax Year	2010	TaxYear
Build TS	2016-02-24 21:20:13Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Name Of Principal Officer Person	Kent Oram	NameOfPrincipalOfficerPerson

Address Principal Officer US AddressPrincipalOfficerUS

Field	Value	IRS element (for citing)
Address Line1	PO Box 2469	AddressLine1
City	Pocatello	City
State	ID	State
ZIP Code	83206	ZIPCode

Field	Value	IRS element (for citing)
Gross Receipts	54073766	GrossReceipts
Group Return For Affiliates	0	GroupReturnForAffiliates
Organization501c	X	Organization501c
Web Site	www.iccu.com	WebSite
Type Of Organization Corporation	X	TypeOfOrganizationCorporation
Year Formation	1940	YearFormation
State Legal Domicile	ID	StateLegalDomicile
Activity Or Mission Description	Credit Union providing financial products and services to members.	ActivityOrMissionDescription
Nbr Voting Members Governing Body	7	NbrVotingMembersGoverningBody
Nbr Independent Voting Members	7	NbrIndependentVotingMembers
Total Nbr Employees	375	TotalNbrEmployees
Total Nbr Volunteers	10	TotalNbrVolunteers
Total Gross UBI	0	TotalGrossUBI
Net Unrelated Business Txbl Income	0	NetUnrelatedBusinessTxblIncome
Contributions Grants Prior Year	0	ContributionsGrantsPriorYear
Contributions Grants Current Year	0	ContributionsGrantsCurrentYear
Program Service Revenue Prior Year	57184527	ProgramServiceRevenuePriorYear
Program Service Revenue CY	54073766	ProgramServiceRevenueCY
Investment Income Prior Year	0	InvestmentIncomePriorYear
Investment Income Current Year	0	InvestmentIncomeCurrentYear
Other Revenue Prior Year	0	OtherRevenuePriorYear
Other Revenue Current Year	0	OtherRevenueCurrentYear
Total Revenue Prior Year	57184527	TotalRevenuePriorYear
Total Revenue Current Year	54073766	TotalRevenueCurrentYear
Grants And Similar Amnts Prior Year	0	GrantsAndSimilarAmntsPriorYear
Grants And Similar Amnts CY	0	GrantsAndSimilarAmntsCY
Benefits Paid To Members Prior Year	19739564	BenefitsPaidToMembersPriorYear
Benefits Paid To Members CY	16540620	BenefitsPaidToMembersCY
Salaries Etc Prior Year	15533497	SalariesEtcPriorYear
Salaries Etc Current Year	16679693	SalariesEtcCurrentYear
Total Prof Fundrsng Exp Prior Year	0	TotalProfFundrsngExpPriorYear
Total Prof Fundrsng Exp CY	0	TotalProfFundrsngExpCY
Total Fundrsng Exp Current Year	0	TotalFundrsngExpCurrentYear
Other Expense Prior Year	7244092	OtherExpensePriorYear
Other Expenses Current Year	11325398	OtherExpensesCurrentYear
Total Expenses Prior Year	42517153	TotalExpensesPriorYear
Total Expenses Current Year	44545711	TotalExpensesCurrentYear
Revenues Less Expenses Prior Year	14667374	RevenuesLessExpensesPriorYear
Revenues Less Expenses CY	9528055	RevenuesLessExpensesCY
Total Assets BOY	919641924	TotalAssetsBOY
Total Assets EOY	865515313	TotalAssetsEOY
Total Liabilities BOY	112607369	TotalLiabilitiesBOY
Total Liabilities EOY	11410996	TotalLiabilitiesEOY
Net Assets Or Fund Balances BOY	807034555	NetAssetsOrFundBalancesBOY
Net Assets Or Fund Balances EOY	854104317	NetAssetsOrFundBalancesEOY
Mission Description	Credit Union providing financial services to members.	MissionDescription
Significant New Program Services	0	SignificantNewProgramServices
Significant Change	0	SignificantChange
Expense	44545711	Expense
Grants	0	Grants
Revenue	54073766	Revenue
Description	Idaho Central serves 91,650 members through 19 locations in Idaho. 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 41,034 of our members. Total loans outstanding at the end of the year were $724,040,489. All 91,650 of our members participate in our deposit products. During the year we spent $10,661,025 in interest expense to have funds available to lend to members.	Description
Total Of Other Program Service Exp	0	TotalOfOtherProgramServiceExp
Total Of Other Program Service Grnt	0	TotalOfOtherProgramServiceGrnt
Total Of Other Program Service Rev	0	TotalOfOtherProgramServiceRev
Total Program Service Expense	44545711	TotalProgramServiceExpense
Described In501 C3	0	DescribedIn501C3
Schedule B Required	0	ScheduleBRequired
Political Activities	0	PoliticalActivities
Donor Advised Funds	0	DonorAdvisedFunds
Conservation Easements	0	ConservationEasements
Collections Of Art	0	CollectionsOfArt
Credit Counseling	0	CreditCounseling
Term Or Permanent Endowments	0	TermOrPermanentEndowments
Report Land Bldg Equip	1	ReportLandBldgEquip
Report Invest Oth Securities	0	ReportInvestOthSecurities
Report Prog Rel Invest	0	ReportProgRelInvest
Report Other Assets	0	ReportOtherAssets
Report Other Liabilities	1	ReportOtherLiabilities
Report Fin48 Footnote	0	ReportFin48Footnote
Independent Audit Financial Stmt	0	IndependentAuditFinancialStmt
Consolidated Audit Financial Stmt	0	ConsolidatedAuditFinancialStmt
School	0	School
Foreign Office	0	ForeignOffice
Foreign Activities	0	ForeignActivities
More Than5000 K To Organizations	0	MoreThan5000KToOrganizations
More Than5000 K To Individuals	0	MoreThan5000KToIndividuals
Professional Fundraising	0	ProfessionalFundraising
Fundraising Activities	0	FundraisingActivities
Gaming	0	Gaming
Hospital	0	Hospital
Grants To Organizations	0	GrantsToOrganizations
Grants To Individuals	0	GrantsToIndividuals
Schedule J Required	1	ScheduleJRequired
Tax Exempt Bonds	0	TaxExemptBonds
Loan To Officer Or DQP	0	LoanToOfficerOrDQP
Grant To Related Person	0	GrantToRelatedPerson
Bsnss Rltnshp With Organization	0	BsnssRltnshpWithOrganization
Bsnss Rltnshp Thru Family Member	0	BsnssRltnshpThruFamilyMember
Officer Entity With Bsnss Rltnshp	0	OfficerEntityWithBsnssRltnshp
Deductible Non Cash Contributions	0	DeductibleNonCashContributions
Deductible Contributions Of Art	0	DeductibleContributionsOfArt
Terminated	0	Terminated
Partial Liquidation	0	PartialLiquidation
Disregarded Entity	0	DisregardedEntity
Related Entity	0	RelatedEntity
Related Org Controlled Entity	0	RelatedOrgControlledEntity
Transaction Related Entity	0	TransactionRelatedEntity
Activities Conducted Partnership	0	ActivitiesConductedPartnership
Schedule O Required	1	ScheduleORequired
Number Forms Transmitted With1096	3	NumberFormsTransmittedWith1096
Number W2 G Included	0	NumberW2GIncluded
Compliance With Backup Witholding	1	ComplianceWithBackupWitholding
Number Of Employees	375	NumberOfEmployees
Employment Tax Returns Filed	1	EmploymentTaxReturnsFiled
Unrelated Business Income	0	UnrelatedBusinessIncome
Foreign Financial Account	0	ForeignFinancialAccount
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTrans
Taxable Party Notification	0	TaxablePartyNotification
Non Deductible Contributions	0	NonDeductibleContributions
Indoor Tanning Services	0	IndoorTanningServices
Info In Schedule O Part VI	X	InfoInScheduleOPartVI
Nbr Voting Governing Body Members	7	NbrVotingGoverningBodyMembers
Number Independent Voting Members	7	NumberIndependentVotingMembers
Family Or Business Relationship	0	FamilyOrBusinessRelationship
Delegation Of Management Duties	0	DelegationOfManagementDuties
Changes To Organizing Docs	0	ChangesToOrganizingDocs
Material Diversion Or Misuse	0	MaterialDiversionOrMisuse
Members Or Stockholders	1	MembersOrStockholders
Election Of Board Members	0	ElectionOfBoardMembers
Decisions Subject To Approval	0	DecisionsSubjectToApproval
Minutes Of Governing Body	1	MinutesOfGoverningBody
Minutes Of Committees	1	MinutesOfCommittees
Officer Mailing Address	0	OfficerMailingAddress
Local Chapters	1	LocalChapters
Policies Reference Chapters	1	PoliciesReferenceChapters
Form990 Provided To Governing Body	0	Form990ProvidedToGoverningBody
Conflict Of Interest Policy	1	ConflictOfInterestPolicy
Annual Disclosure Covered Persons	1	AnnualDisclosureCoveredPersons
Regular Monitoring Enforcement	1	RegularMonitoringEnforcement
Whistleblower Policy	1	WhistleblowerPolicy
Document Retention Policy	1	DocumentRetentionPolicy
Compensation Process CEO	1	CompensationProcessCEO
Compensation Process Other	1	CompensationProcessOther
Investment In Joint Venture	0	InvestmentInJointVenture
Upon Request	X	UponRequest

The Books Are In Care Of TheBooksAreInCareOf

Name Business NameBusiness

Field	Value	IRS element (for citing)
Business Name Line1	Idaho Central Credit Union	BusinessNameLine1

Field	Value	IRS element (for citing)
Telephone Number	2084783300	TelephoneNumber

Address US AddressUS

Field	Value	IRS element (for citing)
Address Line1	4400 Central Way	AddressLine1
City	Chubbuck	City
State	ID	State
ZIP Code	83202	ZIPCode

Form990 Part VII Section A Form990PartVIISectionA (17 entries)

TitleTitle	Average Hours Per WeekAverageHoursPerWeek	Individual Trustee Or DirectorIndividualTrusteeOrDirector	Reportable Comp From OrganizationReportableCompFromOrganization	Reportable Comp From Related OrgsReportableCompFromRelatedOrgs	Other CompensationOtherCompensation	OfficerOfficer	Key EmployeeKeyEmployee	Highest Compensated EmployeeHighestCompensatedEmployee	FormerFormer
Debbie Brady
Board Member	5	X	0	0	0
Ben Call
Board Member	5	X	0	0	0
Troy Neu
Board Member	5	X	0	0	0
Marv White
Board Member	5	X	0	0	0
Judy Harveston
Board Member	5	X	0	0	0
Cindy Watson
Chairman	5	X	0	0	0
Dorothy Ricks
Board Member	5	X	0	0	0
Kent Oram
President	60		611652	0	102675	X	X	X
Brian Berrett
Vice President of Finance	60		146296	0	60152	X		X
Shelli Bardsley
Executive Vice President	60		357927	0	73420		X	X
Brenda Worrell
Executive Vice President	60		305805	0	74027		X	X
Mark Willden
Vice President of Information Systems	60		178516	0	53677		X	X
Edward Tierney
Vice President of Mortgage Lending	60		130291	0	15787			X
Nile Spears
Vice President of Adjustments	60		116914	0	57489			X
Ralph Murdoch
Vice President of Human Resources and Training	60		107909	0	11688			X	X
Daren Almond
Mortgage Loan Officer	40		102884	0	14114			X
Shannon Marshburn
Vice President of Operations	60		101278	0	6227			X

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	2159472	TotalReportableCompFromOrg
Total Reportable Comp Frm Rltd Orgs	0	TotalReportableCompFrmRltdOrgs
Total Other Compensation	469256	TotalOtherCompensation
Number Individuals GT100 K	10	NumberIndividualsGT100K
Formers Listed	1	FormersListed
Total Comp GT150 K	1	TotalCompGT150K
Compensation From Other Sources	0	CompensationFromOtherSources
Total Contributions	0	TotalContributions

Program Service Revenue ProgramServiceRevenue (4 entries)

DescriptionDescription	Business CodeBusinessCode	Total Revenue ColumnTotalRevenueColumn	Related Or Exempt Function IncomeRelatedOrExemptFunctionIncome	ExclusionExclusionAmount
Interest on Loans to Members	522130	36042533	36042533	$0
Other Member Income	522130	10424965	10424965	$0
Income from Member Fees and Charges	522130	6759534	6759534	$0
Investment Income	522130	846734	846734	$0

Total Oth Program Service Revenue TotalOthProgramServiceRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	0	TotalRevenueColumn
Related Or Exempt Function Income	0	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Field	Value	IRS element (for citing)
Total Program Service Revenue	54073766	TotalProgramServiceRevenue

Rental Income Or Loss RentalIncomeOrLoss

Field	Value	IRS element (for citing)
Real	0	Real
Personal	0	Personal

Gain Or Loss GainOrLoss

Field	Value	IRS element (for citing)
Securities	0	Securities
Other	0	Other

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

Total Revenue TotalRevenue

Field	Value	IRS element (for citing)
Total Revenue Column	54073766	TotalRevenueColumn
Related Or Exempt Function Income	54073766	RelatedOrExemptFunctionIncome
Unrelated Business Revenue	0	UnrelatedBusinessRevenue
Exclusion	$0	ExclusionAmount

Grants To Domestic Orgs GrantsToDomesticOrgs

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Grants To Domestic Individuals GrantsToDomesticIndividuals

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Foreign Grants ForeignGrants

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Benefits To Members BenefitsToMembers

Field	Value	IRS element (for citing)
Total	16540620	Total
Program Services	16540620	ProgramServices

Comp Current Officers Directors CompCurrentOfficersDirectors

Field	Value	IRS element (for citing)
Total	1942807	Total
Program Services	1942807	ProgramServices

Comp Disqual Persons CompDisqualPersons

Field	Value	IRS element (for citing)
Total	10337404	Total
Program Services	10337404	ProgramServices

Other Salaries And Wages OtherSalariesAndWages

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Pension Plan Contributions PensionPlanContributions

Field	Value	IRS element (for citing)
Total	1241993	Total
Program Services	1241993	ProgramServices

Other Employee Benefits OtherEmployeeBenefits

Field	Value	IRS element (for citing)
Total	2047585	Total
Program Services	2047585	ProgramServices

Payroll Taxes PayrollTaxes

Field	Value	IRS element (for citing)
Total	1109904	Total
Program Services	1109904	ProgramServices

Fees For Services Management FeesForServicesManagement

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Fees For Services Legal FeesForServicesLegal

Field	Value	IRS element (for citing)
Total	10300	Total
Program Services	10300	ProgramServices

Fees For Services Accounting FeesForServicesAccounting

Field	Value	IRS element (for citing)
Total	226866	Total
Program Services	226866	ProgramServices

Fees For Services Lobbying FeesForServicesLobbying

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Fees For Services Prof Fundraising FeesForServicesProfFundraising

Field	Value	IRS element (for citing)
Total	0	Total
Fundraising	0	Fundraising

Fees For Services Invst Mgmnt Fees FeesForServicesInvstMgmntFees

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Fees For Services Other FeesForServicesOther

Field	Value	IRS element (for citing)
Total	55183	Total
Program Services	55183	ProgramServices

Advertising Advertising

Field	Value	IRS element (for citing)
Total	1604869	Total
Program Services	1604869	ProgramServices

Office Expenses OfficeExpenses

Field	Value	IRS element (for citing)
Total	1106262	Total
Program Services	1106262	ProgramServices

Information Technology InformationTechnology

Field	Value	IRS element (for citing)
Total	1416090	Total
Program Services	1416090	ProgramServices

Royalties Royalties

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Occupancy Occupancy

Field	Value	IRS element (for citing)
Total	1279068	Total
Program Services	1279068	ProgramServices

Travel Travel

Field	Value	IRS element (for citing)
Total	794311	Total
Program Services	794311	ProgramServices

Travel Entrtnmnt Public Officials TravelEntrtnmntPublicOfficials

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Conferences Meetings ConferencesMeetings

Field	Value	IRS element (for citing)
Total	108515	Total
Program Services	108515	ProgramServices

Interest Interest

Field	Value	IRS element (for citing)
Total	81239	Total
Program Services	81239	ProgramServices

Payments To Affiliates PaymentsToAffiliates

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Depreciation Depletion DepreciationDepletion

Field	Value	IRS element (for citing)
Total	2591615	Total
Program Services	2591615	ProgramServices

Insurance Insurance

Field	Value	IRS element (for citing)
Total	158935	Total
Program Services	158935	ProgramServices

Other Expenses OtherExpenses (2 entries)

DescriptionDescription	TotalTotal	Program ServicesProgramServices	Management And GeneralManagementAndGeneral	FundraisingFundraising
NCUA Assessment	1871564	1871564	0	0
Miscellaneous Expenses	20581	20581	0	0

All Other Expenses AllOtherExpenses

Field	Value	IRS element (for citing)
Total	0	Total
Program Services	0	ProgramServices

Total Functional Expenses TotalFunctionalExpenses

Field	Value	IRS element (for citing)
Total	44545711	Total
Program Services	44545711	ProgramServices
Management And General	0	ManagementAndGeneral
Fundraising	0	Fundraising

Cash Non Interest Bearing CashNonInterestBearing

Field	Value	IRS element (for citing)
BOY	7756268	BOY
EOY	8576183	EOY

Savings And Temp Cash Investments SavingsAndTempCashInvestments

Field	Value	IRS element (for citing)
BOY	179132333	BOY
EOY	62173936	EOY

Pledges And Grants Receivable PledgesAndGrantsReceivable

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Accounts Receivable AccountsReceivable

Field	Value	IRS element (for citing)
BOY	5843880	BOY
EOY	5915674	EOY

Receivables From Officers Etc ReceivablesFromOfficersEtc

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Receivables From Disqual Persons ReceivablesFromDisqualPersons

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Other Notes Loans Receivable Net OtherNotesLoansReceivableNet

Field	Value	IRS element (for citing)
BOY	658660395	BOY
EOY	718704218	EOY

Inventories For Sale Or Use InventoriesForSaleOrUse

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Prepaid Expenses Deferred Charges PrepaidExpensesDeferredCharges

Field	Value	IRS element (for citing)
BOY	2068648	BOY
EOY	3012885	EOY

Field	Value	IRS element (for citing)
Land Buildings Equipment Basis	58545085	LandBuildingsEquipmentBasis
Land Bldg Equipment Accum Deprec	13711302	LandBldgEquipmentAccumDeprec

Land Buildings Equipment Basis Net LandBuildingsEquipmentBasisNet

Field	Value	IRS element (for citing)
BOY	43607100	BOY
EOY	44833783	EOY

Investments Pub Traded Securities InvestmentsPubTradedSecurities

Field	Value	IRS element (for citing)
EOY	0	EOY

Investments Other Securities InvestmentsOtherSecurities

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Investments Program Related InvestmentsProgramRelated

Field	Value	IRS element (for citing)
BOY	13467180	BOY
EOY	12466964	EOY

Other Assets Total OtherAssetsTotal

Field	Value	IRS element (for citing)
BOY	9106120	BOY
EOY	9831670	EOY

Total Assets TotalAssets

Field	Value	IRS element (for citing)
BOY	919641924	BOY
EOY	865515313	EOY

Accounts Payable Accrued Expenses AccountsPayableAccruedExpenses

Field	Value	IRS element (for citing)
BOY	9503481	BOY
EOY	9615696	EOY

Grants Payable GrantsPayable

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Deferred Revenue DeferredRevenue

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Tax Exempt Bond Liabilities TaxExemptBondLiabilities

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Escrow Account Liability EscrowAccountLiability

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Loans From Officers Directors LoansFromOfficersDirectors

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Mort Notes Pybl Secured Invest Prop MortNotesPyblSecuredInvestProp

Field	Value	IRS element (for citing)
BOY	100000000	BOY
EOY	0	EOY

Unsecured Notes Loans Payable UnsecuredNotesLoansPayable

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Other Liabilities OtherLiabilities

Field	Value	IRS element (for citing)
BOY	3103888	BOY
EOY	1795300	EOY

Total Liabilities TotalLiabilities

Field	Value	IRS element (for citing)
BOY	112607369	BOY
EOY	11410996	EOY

Field	Value	IRS element (for citing)
Do Not Follow SFAS117	X	DoNotFollowSFAS117

Cap Stck Trst Prin Current Funds CapStckTrstPrinCurrentFunds

Field	Value	IRS element (for citing)
BOY	743763252	BOY
EOY	780306940	EOY

Paid In Cap Srpls Land Bldg Eqp Fund PaidInCapSrplsLandBldgEqpFund

Field	Value	IRS element (for citing)
BOY	0	BOY
EOY	0	EOY

Retained Earnings Endowment Etc RetainedEarningsEndowmentEtc

Field	Value	IRS element (for citing)
BOY	63271303	BOY
EOY	73797377	EOY

Total Net Assets Fund Balances TotalNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	807034555	BOY
EOY	854104317	EOY

Total Liab Net Assets Fund Balances TotalLiabNetAssetsFundBalances

Field	Value	IRS element (for citing)
BOY	919641924	BOY
EOY	865515313	EOY

Field	Value	IRS element (for citing)
Info In Schedule O Part XI	X	InfoInScheduleOPartXI
Reconcilation Revenue Expenses	9528055	ReconcilationRevenueExpenses
Reconcilation Other Changes	37541707	ReconcilationOtherChanges
Method Of Accounting Accrual	X	MethodOfAccountingAccrual
Accountant Compile Or Review	0	AccountantCompileOrReview
FS Audited	0	FSAudited
Federal Grant Audit Required	0	FederalGrantAuditRequired

Schedule D IRS990ScheduleD

Land Land

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	13971962	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Book Value	13971962	BookValue

Buildings Buildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	27935725	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	2512877	Depreciation
Book Value	25422848	BookValue

Leasehold Improvements LeaseholdImprovements

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	1197207	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	1085103	Depreciation
Book Value	112104	BookValue

Equipment Equipment

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	15440191	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	10113322	Depreciation
Book Value	5326869	BookValue

Other Land Buildings OtherLandBuildings

Field	Value	IRS element (for citing)
Investment Cost Or Other Basis	0	InvestmentCostOrOtherBasis
Other Cost Or Other Basis	0	OtherCostOrOtherBasis
Depreciation	0	Depreciation
Book Value	0	BookValue

Field	Value	IRS element (for citing)
Total Of Book Value Land Buildings	44833783	TotalOfBookValueLandBuildings
Federal Income Tax Liability	0	FederalIncomeTaxLiability

Other Liabilities OtherLiabilities (2 entries)

DescriptionDescription	AmountAmount
Interest Payable on Deposits	$1,775,536
Dividends on Shares	$19,764

Field	Value	IRS element (for citing)
Total Of Amounts	1795300	TotalOfAmounts

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Travel For Companions	X	TravelForCompanions
Housing Allowance Or Residence	X	HousingAllowanceOrResidence
Club Dues Or Fees	X	ClubDuesOrFees
Written Policy Re T And E Expenses	1	WrittenPolicyReTAndEExpenses
Substantiation Required	1	SubstantiationRequired
Compensation Committee	X	CompensationCommittee
Written Employment Contract	X	WrittenEmploymentContract
Compensation Survey	X	CompensationSurvey
Board Or Committee Approval	X	BoardOrCommitteeApproval
Severance Payment	0	SeverancePayment
Supplemental Nonqual Retire Plan	1	SupplementalNonqualRetirePlan
Equity Based Comp Arrangement	0	EquityBasedCompArrangement

Form990 Schedule J Part II Form990ScheduleJPartII (10 entries)

Base Compensation Filing OrgBaseCompensationFilingOrg	Comp Based On Related OrgsCompBasedOnRelatedOrgs	Bonus Filing OrgBonusFilingOrg	Bonus Related OrgsBonusRelatedOrgs	Other Compensation Filing OrgOtherCompensationFilingOrg	Other Compensation Related OrgsOtherCompensationRelatedOrgs	Deferred Comp Filing OrgDeferredCompFilingOrg	Deferred Comp Related OrgsDeferredCompRelatedOrgs	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrg	Nontaxable Benefits Related OrgsNontaxableBenefitsRelatedOrgs	Total Compensation Filing OrgTotalCompensationFilingOrg	Total Compensation Related OrgsTotalCompensationRelatedOrgs	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrg	Comp Report Prior990 Related OrgsCompReportPrior990RelatedOrgs
Kent Oram
377938	0	121754	0	111960	0	87087	0	14980	0	713719	0	0	0
Brian Berrett
109642	0	21245	0	15409	0	20375	0	8491	0	175162	0	0	0
Shelli Bardsley
248518	0	87702	0	21707	0	93988	0	9859	0	461774	0	0	0
Brenda Worrell
209989	0	76352	0	19464	0	47265	0	9306	0	362376	0	0	0
Mark Willden
139267	0	23912	0	15337	0	15105	0	8491	0	202112	0	0	0
Edward Tierney
93943	0	23836	0	12512	0	0	0	8491	0	138782	0	0	0
Nile Spears
98970	0	10735	0	7209	0	0	0	8491	0	125405	0	0	0
Ralph Murdoch
95628	0	5250	0	7031	0	0	0	8491	0	116400	0	0	0
Daren Almond
96589	0	0	0	6296	0	0	0	7240	0	110125	0	0
Shannon Marshburn
84216	0	9200	0	7862	0	0	0	325	0	101603	0	0	0

Form990 Schedule J Part III Form990ScheduleJPartIII (2 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
SchJ_P01_S00_L01a	Schedule J, Part I, Line 1a	Idaho Central provides certain key employees travel for companions, housing allowances, and health or social club dues.
SchJ_P01_S00_L04	Schedule J, Part I, Line 4	Amounts expensed during 2010 are as follows: Kent Oram-$24,117 and Shelli Bardsley-$7,515.

Schedule O IRS990ScheduleO

General Explanation GeneralExplanation (6 entries)

IdentifierIdentifier	Return ReferenceReturnReference	ExplanationExplanation
F990_P06_S0A_L06	Form 990, Part VI, Section A, Line 6	Idaho Central is a member owned, not for profit credit union.
F990_P06_S0B_L11a	Form 990, Part VI, Section B, Line 11a	The Vice President of Finance (also a CPA) prepares the 990. It is then submitted to the President for review prior to filing.
F990_P06_S0B_L12c	Form 990, Part VI, Section B, Line 12c	We consistently monitor and enforce compliance with the conflict of interest policy. It 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.
F990_P06_S0B_L15	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 President according to that and how Idaho Central is performing. The President sets the salary for all other employees of the Credit Union. Each employee receives an annual salary review.
F990_P06_S0C_L19	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.
F990_P11_S00_L05	Form 990, Part XI, Line 5	The change in deposits is $36,543,686. The change in Other Comprehensive Income is $998,021.