Whitefish Credit Union Association
EIN: 810208730 · Whitefish, MT
| Metric | Value |
|---|---|
| Total Expenses | $23.7M |
| Net Assets | $124.4M |
Is Whitefish Credit Union Association Legit?
Insufficient Data
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
About Whitefish Credit Union Association
Whitefish Credit Union Association (EIN: 810208730) is a nonprofit organization based in Whitefish, MT. 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 Whitefish Credit Union Association's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Whitefish Credit Union Association is a large nonprofit, with 3 years of IRS 990 filings on record (2011–2013). Revenue has grown at a compound annual rate of -10.2%.
Key Financial Metrics (2013)
From the most recent IRS 990 filing on record:
| Total Revenue | $37.0M |
| Total Expenses | $23.7M |
| Surplus / Deficit | +$13.3M |
| Total Assets | $1.2B |
| Total Liabilities | $1.1B |
| Net Assets | $124.4M |
| Operating Margin | 36.0% |
| Debt-to-Asset Ratio | 89.9% |
| Months of Reserves | 627.0 months |
Financial Health Grade: A
In 2013, Whitefish Credit Union Association reported a surplus of $13.3M with revenue exceeding expenses, holds 627.0 months of operating reserves (strong position), has a debt-to-asset ratio of 89.9% (high leverage).
Financial Trends
Over 3 years of filings (2011–2013), Whitefish Credit Union Association's revenue has declined at a compound annual growth rate (CAGR) of -10.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2013 | -5.8% | -34.4% | +0.9% |
| 2012 | -14.4% | -19.1% | +0.5% |
AI Analysis Pending
AI enrichment for Whitefish Credit Union Association 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 Whitefish Credit Union Association 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 (2013)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $13.3M, with revenue exceeding expenses.
- Debt-to-asset ratio: 89.9%.
Frequently Asked Questions about Whitefish Credit Union Association
Is Whitefish Credit Union Association a legitimate charity?
Whitefish Credit Union Association (EIN: 810208730) is a registered tax-exempt nonprofit based in Montana. It has 3 years of IRS 990 filings on record. No red flags identified. Financial health grade: A.
How does Whitefish Credit Union Association spend its money?
Whitefish Credit Union Association reported its financials in IRS 990 filings. 3 years of filing data available. Revenue exceeded expenses in the most recent year. Review the full spending breakdown on NonprofitSpending.
Are donations to Whitefish Credit Union Association tax-deductible?
Whitefish Credit Union Association is registered as a tax-exempt nonprofit (EIN: 810208730). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
Where is Whitefish Credit Union Association located?
Whitefish Credit Union Association is headquartered in Whitefish, Montana and files with the IRS under EIN 810208730.
How many years of IRS 990 filings does Whitefish Credit Union Association have?
Whitefish Credit Union Association has 3 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 Whitefish Credit Union Association showing financial trends over 3 years of public records:
Over 3 years of IRS 990 filings (2011–2013), Whitefish Credit Union Association's revenue has declined by 19.4%, moving from $45.9M to $37.0M. Total assets increased by 1.5% over the same period, from $1.2B to $1.2B. Total functional expenses fell by 46.9%, from $44.6M to $23.7M. In its most recent filing year (2013), Whitefish Credit Union Association reported a surplus of $13.3M, with revenue exceeding expenses. The organization holds $1.1B in liabilities against $1.2B in assets (debt-to-asset ratio: 89.9%), resulting in net assets of $124.4M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2013 | $37.0M | $23.7M | $1.2B | $1.1B | — | View 990 |
| 2012 | $39.3M | $36.1M | $1.2B | $1.1B | — | View 990 |
| 2011 | $45.9M | $44.6M | $1.2B | $1.1B | — | View 990 |
Year-by-Year Financial Summary
- 2013: Revenue of $37.0M, expenses of $23.7M, and assets of $1.2B (revenue -5.8% year-over-year).
- 2012: Revenue of $39.3M, expenses of $36.1M, and assets of $1.2B (revenue -14.4% year-over-year).
- 2011: Revenue of $45.9M, expenses of $44.6M, and assets of $1.2B.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Whitefish Credit Union Association:
Data Sources and Methodology
This transparency report for Whitefish Credit Union Association 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.