IDAHO CENTRAL CREDIT UNION

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1940

Legal Domicile

Principal Officer

Brenda Worrell

Phone

2084783300

Tax Period

2025-01-01 to 2025-12-31

IDAHO CENTRAL CREDIT UNION, founded in 1940, is a major nonprofit that reported $866.5M in total revenue in fiscal year 2025. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $144.4M, a strong 17% operating margin.

Mission

Credit Union providing financial services to members.

Program Service Accomplishments

Program 1

Expenses: $722,002,548 Revenue: $866,451,980

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.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $866,451,980

Investment Income $0

Other Revenue $0

TOTAL REVENUE $866,451,980

Expense Breakdown

Grants Paid $0

Salaries & Benefits $197,628,310

Fundraising Expenses $0

Program Expenses $722,002,548

Other Expenses $127,592,053

TOTAL EXPENSES $722,002,548

Year-over-Year Comparison

	2025	2024	Change
Revenue	$866,451,980	$739,145,782	+0.2%
Expenses	$722,002,548	$625,806,705	+0.2%
Net Income	$144,449,432	$113,339,077	+0.3%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

2541

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$3,581,956

Total Directors

Key Employees

$4,380,547

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brenda Worrell	Chief Executive Officer	60	Officer	$2,469,323	$107,588	$2,576,911
Mark Willden	Chief Information Officer	60	Key Emp	$994,995	$231,675	$1,226,670
Edward Tierney	Chief Lending Officer	60	Key Emp	$1,018,215	$43,965	$1,062,180
Brian Berrett	Chief Financial Officer	60	Officer	$919,338	$85,707	$1,005,045
George Babilon	Former Executive	60	Highest	$941,282	$10,236	$951,518
Aric Alcantara	Mortgage Loan Officer	60	Highest	$884,774	$10,887	$895,661
Dave Rusk	Mortgage Loan Officer	60	Highest	$859,114	$10,942	$870,056
Jared Olson	Mortgage Loan Officer	60	Highest	$824,428	$10,886	$835,314
Corey Dahle	Chief Experience Officer	60	Key Emp	$784,069	$48,756	$832,825
Michael Watson	Chief Marketing Officer	60	Key Emp	$621,902	$70,124	$692,026
Christopher Helbling	Mortgage Loan Officer	60	Highest	$619,642	$9,949	$629,591
Brandi Dye	Deputy Chief Information Officer	60	Key Emp	$536,551	$30,295	$566,846
Debbie Brady	Chair	5		$0	$0	$0
Russ McCoy	Board Member	5		$0	$0	$0
Troy Neu	Board Member	5		$0	$0	$0
Jonathon Hunt	Board Member	5		$0	$0	$0
Judy Harveston	Board Member	5		$0	$0	$0
Cindy Watson	Board Member	5		$0	$0	$0
Jace Katseanes	Board Member	5		$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$866,451,980	$722,002,548	$14,759,060,354	$144,449,432
2024	No data	No data	No data	No data
2023	$605,779,479	$510,224,872	$10,999,807,401	$95,554,607
2022	$406,338,322	$307,074,258	$9,744,390,843	$99,264,064
2021	$370,077,928	$269,329,168	$8,340,323,557	$100,748,760
2020	$371,110,508	$255,476,674	$6,745,371,782	$115,633,834
2019	$296,266,028	$224,104,094	$5,070,731,874	$72,161,934
2018	$239,640,239	$169,366,670	$4,315,062,932	$70,273,569