Iccu

Legal name: Idaho Central Credit Union

Nonprofit profile at a glance

EIN
820217065
IRS 990 coverage
2010–2025
Official website data refreshed
Sep 2026
Forms available
Form 990 2025
Location
Pocatello, ID, USA
Phone
1-800-456-5067
Rating
54
Verdict
MIXED
Rating confidence
Moderate
Sector
Credit Unions

Official website

Reported finances

Revenue
$866,451,980
Expenses
$722,002,548
Assets
$14,759,060,354
Liabilities
$944,431,100

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

19 people listed

Executive titles in this filing

  • Brenda Worrell (Chief Executive Officer)

Highest reported compensation

  • Brenda Worrell (Chief Executive Officer): $2,576,911 total reported compensation
  • Mark Willden (Chief Information Officer): $1,226,670 total reported compensation
  • Edward Tierney (Chief Lending Officer): $1,062,180 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

Credit union providing financial products and services to members. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. There is no obligation to enroll in order to receive our services. Not endorsed by or affiliated with Medicare. ICCU Insurance Services, LLC is a wholly-owned subsidiary of ICCU and a licensed insurance agency. Business conducted with ICCU Insurance Services, LLC is separate and distinct from any business conducted with ICCU. Insurance products are not products or obligations of ICCU, are not NCUA or federally insured, are not endorsed or guaranteed by ICCU or any government a.

What it reported doing in 2025

Idaho Central serves 769,306 members through 63 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 326,277 of our members. Total loans outstanding at the end of the year were $12,784,069,590. All 769,306 of our members participate in our deposit products. During the year we spent $315,665,988 in interest expense to have funds available to lend to members.

Operating model

Revenue model
Other-operating. 100% of the money available for current operations came from other operating revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

MIXED - The filed numbers largely add up and most voting board members are independent. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.

Rating breakdown

  • Financial Efficiency: 0
  • Transparency & Controls: 93
  • Accountability: 95
  • Sustainability: 83
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 0%; rating input score 0
  • Program expense ratio: 0%; rating input score 0
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 66th percentile among comparable filings
  • Pay-setting controls: 6 of 6 controls in place; rating input score 100
    • Compensation committee: Pass
    • Independent consultant: Pass
    • Other Form 990s reviewed: Pass
    • Written employment contract: Pass
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 65th percentile among comparable filings
  • Governance controls: 8 of 9 controls in place; rating input score 89
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: Pass
    • Form 990 shared with the board: Fail
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 16.7%; rating input score 81; 81st percentile among comparable filings
  • Total-asset coverage ratio: 20.44; rating input score 94; 94th percentile among comparable filings
  • Liabilities to assets ratio: 0.06; rating input score 81; 81st percentile among comparable filings
  • Officer compensation ratio: 1.7%; rating input score 68; 68th percentile among comparable filings

Growth

  • Program expense growth: Limited
  • Revenue growth: 16.8% per year; rating input score 100; 91st percentile among comparable filings
  • Asset growth: 16.4% per year; rating input score 100; 88th percentile among comparable filings

Details

  • What they do: 1 programs and campaigns described on the official site
  • Where the money goes: 0% of revenue deployed · 0% of spending went to programs
  • Governance: 7 of 7 board members independent · 8 of 9 filing controls reported
  • Programs: 1 filed program accomplishment · $722M in reported program spending
  • Leadership: top reported pay $2.6M · 19 people listed · 6 of 6 pay-setting controls reported
  • Consistency: 11 of 12 current checks pass · 1 finding to review
  • Schedules: 4 filed schedules · includes executive pay
  • Filing history: 16 filing years from 2010 to 2025
  • Contacts: How to reach this organization
  • Money network: 22 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.
  • Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Financial Efficiency: Mission deployment rate scored 0/100.
  • High — Financial Efficiency: Program expense ratio scored 0/100.
  • Moderate — Transparency & Controls: Functional expense sum did not reconcile in the filed values.
  • Review — Accountability: Governance controls: Form 990 shared with the board not reported.