Freedom Northwest Credit Union Fnwcu
EIN: 820262758 · Kamiah, ID
| Metric | Value |
|---|---|
| Total Revenue | $68.8M |
| Total Expenses | $4.5M |
| Net Assets | $105.2M |
Is Freedom Northwest Credit Union Fnwcu Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About Freedom Northwest Credit Union Fnwcu
Freedom Northwest Credit Union Fnwcu (EIN: 820262758) is a nonprofit organization based in Kamiah, ID. The organization reported total revenue of $68.8M and total assets of $588.5M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Freedom Northwest Credit Union Fnwcu's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Freedom Northwest Credit Union Fnwcu is a major nonprofit, with 4 years of IRS 990 filings on record (2011–2017). Revenue has grown at a compound annual rate of 16.0%.
Key Financial Metrics (2017)
From the most recent IRS 990 filing on record:
| Total Revenue | $6.1M |
| Total Expenses | $4.5M |
| Surplus / Deficit | +$1.6M |
| Total Assets | $115.3M |
| Total Liabilities | $10.1M |
| Net Assets | $105.2M |
| Operating Margin | 26.8% |
| Debt-to-Asset Ratio | 8.8% |
| Months of Reserves | 310.0 months |
Financial Health Grade: A
In 2017, Freedom Northwest Credit Union Fnwcu reported a surplus of $1.6M with revenue exceeding expenses, holds 310.0 months of operating reserves (strong position), has a debt-to-asset ratio of 8.8% (very low leverage).
Financial Trends
Over 4 years of filings (2011–2017), Freedom Northwest Credit Union Fnwcu's revenue has grown at a compound annual growth rate (CAGR) of 16.0%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2017 | +110.5% | +124.9% | +106.5% |
| 2013 | +2.2% | +2.7% | +7.8% |
| 2012 | +13.2% | +1.9% | +11.1% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Analysis Pending
AI enrichment for Freedom Northwest Credit Union Fnwcu 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 Freedom Northwest Credit Union Fnwcu 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 (2017)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $1.6M, with revenue exceeding expenses.
- Debt-to-asset ratio: 8.8%.
Frequently Asked Questions about Freedom Northwest Credit Union Fnwcu
Is Freedom Northwest Credit Union Fnwcu a legitimate charity?
Based on AI analysis of IRS 990 filings, Freedom Northwest Credit Union Fnwcu (EIN: 820262758) insufficient data. 0 red flags identified, 0 strengths noted.
How does Freedom Northwest Credit Union Fnwcu spend its money?
Detailed spending breakdown data is not yet available for Freedom Northwest Credit Union Fnwcu. Check back for updated IRS 990 analysis.
Are donations to Freedom Northwest Credit Union Fnwcu tax-deductible?
Freedom Northwest Credit Union Fnwcu is registered as a tax-exempt nonprofit (EIN: 820262758). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Freedom Northwest Credit Union Fnwcu located?
Freedom Northwest Credit Union Fnwcu is headquartered in Kamiah, Idaho and files with the IRS under EIN 820262758.
How many years of IRS 990 filings does Freedom Northwest Credit Union Fnwcu have?
Freedom Northwest Credit Union Fnwcu has 4 years of IRS 990 filings on record at NonprofitSpending. Additional filing years may become available as the IRS releases new data. The most recent filing shows $68.8M in total revenue.
Filing History
IRS 990 filing history for Freedom Northwest Credit Union Fnwcu showing financial trends over 4 years of public records:
Over 4 years of IRS 990 filings (2011–2017), Freedom Northwest Credit Union Fnwcu's revenue has grown by 143.5%, moving from $2.5M to $6.1M. Total assets increased by 147.5% over the same period, from $46.6M to $115.3M. Total functional expenses rose by 135.5%, from $1.9M to $4.5M. In its most recent filing year (2017), Freedom Northwest Credit Union Fnwcu reported a surplus of $1.6M, with revenue exceeding expenses. The organization holds $10.1M in liabilities against $115.3M in assets (debt-to-asset ratio: 8.8%), resulting in net assets of $105.2M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2017 | $6.1M | $4.5M | $115.3M | $10.1M | — | View 990 |
| 2013 | $2.9M | $2.0M | $55.8M | $812K | — | View 990 |
| 2012 | $2.8M | $1.9M | $51.8M | $587K | — | View 990 |
| 2011 | $2.5M | $1.9M | $46.6M | $411K | — | View 990 |
Year-by-Year Financial Summary
- 2017: Revenue of $6.1M, expenses of $4.5M, and assets of $115.3M (revenue +110.5% year-over-year).
- 2013: Revenue of $2.9M, expenses of $2.0M, and assets of $55.8M (revenue +2.2% year-over-year).
- 2012: Revenue of $2.8M, expenses of $1.9M, and assets of $51.8M (revenue +13.2% year-over-year).
- 2011: Revenue of $2.5M, expenses of $1.9M, and assets of $46.6M.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Freedom Northwest Credit Union Fnwcu:
Data Sources and Methodology
This transparency report for Freedom Northwest Credit Union Fnwcu 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.