Lewis Clark Credit Union
Nonprofit profile at a glance
- EIN
- 820215955
- IRS 990 coverage
- 2010–2024
- Forms available
- Form 990 2024
- Location
- Lewiston, ID, USA
- Phone
- 2087467233
- Rating confidence
- Limited
- Sector
- Credit Unions
Reported finances
- Revenue
- $17,597,559
- Expenses
- $15,587,977
- Assets
- $249,581,624
- Liabilities
- $225,473,862
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
13 people listed
Executive titles in this filing
- Trisha Baker (CEO)
Highest reported compensation
- Trisha Baker (CEO): $485,577 total reported compensation
- Amanda Collins (VP Operations/CFO): $259,788 total reported compensation
- David Durrant (VP of Finance (left 12/2024)): $213,892 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To be our Member's favorite financial institution, to build long term member relationships, to exercise sound and ethical business practices, to help our members achieve financial success.
What it reported doing in 2024
Lewis Clark Credit Union is a non-profit financial institution located in North Idaho providing financial services including: savings accounts, checking accounts, money market accounts, certificates of deposit, and affordable credit loans to its members. LCCU serves 21,101 members in North Idaho and Eastern Washington. LCCU is a CDFI certified institution focused on making affordable credit loans to the underserved low income tracts in the communities it serves. Besides financials services, LCCU has awarded teacher grants, scholarships, and sponsorships to help better the future of its members and the communities it serves. (Continued on Schedule O)In 2024, the credit union saw comparably strong growth in members, deposits, and loans, despite the economic decline. The credit union continued to experience asset growth throughout 2024, resulting in a regulatory net worth of 12.02% at year-end.
Operating model
- Revenue model
- Earned-program. 94% of the money available for current operations came from fees and other program 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
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 60
- Accountability: 86
- Sustainability: 65
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 91.7%; rating input score 92; 6th percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 34.8%; rating input score 35; 10th percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 66th percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 67
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Fail
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 11.4%; rating input score 70; 70th percentile among comparable filings
- Total-asset coverage ratio: 16.01; rating input score 95; 95th percentile among comparable filings
- Liabilities to assets ratio: 0.9; rating input score 10; 10th percentile among comparable filings
- Officer compensation ratio: 9%; rating input score 25; 25th percentile among comparable filings
Growth
- Program expense growth: -100% per year; rating input score 0; 0th percentile among comparable filings
- Revenue growth: 14.2% per year; rating input score 100; 85th percentile among comparable filings
- Asset growth: 13.9% per year; rating input score 100; 78th percentile among comparable filings
Details
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 6 of 6 board members independent · 6 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $486K · 13 people listed · 2 of 6 pay-setting controls reported
- Consistency: 11 of 12 current checks pass · 1 finding to review
- Schedules: 5 filed schedules · includes grants and executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 11 filed money-flow records
- Related organizations: 4 filed related-organization links
- 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.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Transparency & Controls: Grant itemization coverage scored 35/100.
- Review — Accountability: Governance controls: 2 of 8 not reported.
- High — Growth: Program expense growth scored 0/100.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- High — Sustainability: Liabilities to assets ratio scored 10/100.
- High — Sustainability: Officer compensation ratio scored 25/100.