Clearwater Credit Union
EIN: 820250100 · Lewiston, ID
| Metric | Value |
|---|---|
| Total Expenses | $977K |
| Net Assets | $1.5M |
Is Clearwater Credit Union Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About Clearwater Credit Union
Clearwater Credit Union (EIN: 820250100) is a nonprofit organization based in Lewiston, ID. The organization reported total revenue of $0 and total assets of $0 according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Clearwater Credit Union's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Clearwater Credit Union is a small nonprofit, with 2 years of IRS 990 filings on record (2011–2012). Revenue has grown at a compound annual rate of -7.4%.
Key Financial Metrics (2012)
From the most recent IRS 990 filing on record:
| Total Revenue | $955K |
| Total Expenses | $977K |
| Surplus / Deficit | $-21,662 |
| Total Assets | $22.4M |
| Total Liabilities | $20.9M |
| Net Assets | $1.5M |
| Operating Margin | -2.3% |
| Debt-to-Asset Ratio | 93.3% |
| Months of Reserves | 275.7 months |
Financial Health Grade: C
In 2012, Clearwater Credit Union reported a deficit of $22K with expenses exceeding revenue, holds 275.7 months of operating reserves (strong position), has a debt-to-asset ratio of 93.3% (high leverage).
Financial Trends
Over 2 years of filings (2011–2012), Clearwater Credit Union's revenue has declined at a compound annual growth rate (CAGR) of -7.4%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2012 | -7.4% | -1.2% | -0.5% |
AI Analysis Pending
AI enrichment for Clearwater Credit Union has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Clearwater Credit Union with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Key Financial Metrics (2012)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $22K, with expenses exceeding revenue.
- Debt-to-asset ratio: 93.3%.
Frequently Asked Questions about Clearwater Credit Union
Is Clearwater Credit Union a legitimate charity?
Clearwater Credit Union (EIN: 820250100) is a registered tax-exempt nonprofit based in Idaho. It has 2 years of IRS 990 filings on record. No red flags identified. Financial health grade: C.
How does Clearwater Credit Union spend its money?
Clearwater Credit Union reported its financials in IRS 990 filings. 2 years of filing data available. Expenses exceeded revenue in the most recent year. Review the full spending breakdown on NonprofitSpending.
Are donations to Clearwater Credit Union tax-deductible?
Clearwater Credit Union is registered as a tax-exempt nonprofit (EIN: 820250100). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Clearwater Credit Union located?
Clearwater Credit Union is headquartered in Lewiston, Idaho and files with the IRS under EIN 820250100.
How many years of IRS 990 filings does Clearwater Credit Union have?
Clearwater Credit Union has 2 years of IRS 990 filings on record at NonprofitSpending. Additional filing years may become available as the IRS releases new data.
Filing History
IRS 990 filing history for Clearwater Credit Union showing financial trends over 2 years of public records:
Over 2 years of IRS 990 filings (2011–2012), Clearwater Credit Union's revenue has declined by 7.4%, moving from $1.0M to $955K. Total assets decreased by 0.5% over the same period, from $22.6M to $22.4M. Total functional expenses fell by 1.2%, from $989K to $977K. In its most recent filing year (2012), Clearwater Credit Union reported a deficit of $22K, with expenses exceeding revenue. The organization holds $20.9M in liabilities against $22.4M in assets (debt-to-asset ratio: 93.3%), resulting in net assets of $1.5M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2012 | $955K | $977K | $22.4M | $20.9M | — | View 990 |
| 2011 | $1.0M | $989K | $22.6M | $21.1M | — | View 990 |
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Clearwater Credit Union:
Data Sources and Methodology
This transparency report for Clearwater Credit Union is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.