Civic Intelligence

White River Credit Union

EIN 03-0182263 • 501(c)14 • Rochester, VT

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Profile

White River Credit Union is a member-owned financial institution providing varied financial services to members in a convenient and personal manner while maintaining long-term financial safety and stability.

96 N Main StRochester, VT 05767-9704

www.whitercu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Net Margin

63rd percentile

5.6%

Higher net margin than 63% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

84th percentile

$134,075

Higher top officer pay than 84% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

41st percentile

-9.0%

Faster revenue growth than 41% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $49,498,527 (-100%) from 2024

Liabilities

Down

$0

Down $43,647,570 (-100%) from 2024

Net Assets

Down

$0

Down $5,850,957 (-100%) from 2024

Operations
Liabilities / Revenue35th percentileNet Margin63rd percentile

Revenue

Down

$2,802,398

Down $278,843 (-9.0%) from 2024

Expenses

Up

$2,644,890

Up $575,428 (+28%) from 2024

Net Income

Down

$157,508

Down $854,271 (-84%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $26,892,569Liabilities 2010: $23,779,143Net Assets 2010: $3,113,4262010Assets 2011: $29,994,485Liabilities 2011: $26,830,301Net Assets 2011: $3,164,1842011Assets 2012: $29,993,599Liabilities 2012: $26,754,077Net Assets 2012: $3,239,5222012Assets 2013: $31,294,868Liabilities 2013: $28,110,156Net Assets 2013: $3,184,7122013Assets 2014: $33,275,183Liabilities 2014: $30,211,384Net Assets 2014: $3,063,7992014Assets 2015: $33,981,908Liabilities 2015: $31,229,197Net Assets 2015: $2,752,7112015Assets 2016: $35,971,102Liabilities 2016: $33,181,749Net Assets 2016: $2,789,3532016Assets 2017: $36,648,289Liabilities 2017: $33,840,467Net Assets 2017: $2,807,8222017Assets 2018: $36,554,111Liabilities 2018: $33,582,461Net Assets 2018: $2,971,6502018Assets 2019: $37,895,843Liabilities 2019: $34,658,006Net Assets 2019: $3,237,8372019Assets 2020: $47,845,959Liabilities 2020: $44,391,426Net Assets 2020: $3,454,5332020Assets 2021: $51,254,267Liabilities 2021: $47,605,902Net Assets 2021: $3,648,3652021Assets 2022: $51,325,995Liabilities 2022: $47,758,024Net Assets 2022: $3,567,9712022Assets 2023: $49,314,071Liabilities 2023: $44,698,032Net Assets 2023: $4,616,0392023Assets 2024: $49,498,527Liabilities 2024: $43,647,570Net Assets 2024: $5,850,9572024Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2025

Assets$0
Liabilities$0
Net Assets$0
Open 2025 Filing

Operations Trend

Revenue Growth41st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $1,650,8192010Expenses 2011: $1,669,8222011Revenue 2012: $1,792,314Expenses 2012: $1,722,302Net Income 2012: $70,0122012Revenue 2013: $1,799,268Expenses 2013: $1,848,425Net Income 2013: -$49,1572013Revenue 2014: $1,774,522Expenses 2014: $1,886,493Net Income 2014: -$111,9712014Revenue 2015: $1,667,245Expenses 2015: $1,971,689Net Income 2015: -$304,4442015Revenue 2016: $1,754,566Expenses 2016: $1,737,418Net Income 2016: $17,1482016Revenue 2017: $1,761,513Expenses 2017: $1,713,171Net Income 2017: $48,3422017Revenue 2018: $1,909,475Expenses 2018: $1,744,339Net Income 2018: $165,1362018Revenue 2019: $2,047,006Expenses 2019: $1,846,488Net Income 2019: $200,5182019Revenue 2020: $1,936,617Expenses 2020: $1,750,026Net Income 2020: $186,5912020Revenue 2021: $1,928,029Expenses 2021: $1,638,616Net Income 2021: $289,4132021Revenue 2022: $2,078,194Expenses 2022: $1,857,104Net Income 2022: $221,0902022Revenue 2023: $2,684,547Expenses 2023: $1,850,339Net Income 2023: $834,2082023Revenue 2024: $3,081,241Expenses 2024: $2,069,462Net Income 2024: $1,011,7792024Revenue 2025: $2,802,398Expenses 2025: $2,644,890Net Income 2025: $157,5082025

Highlighted filing

2025

Revenue$2,802,398
Expenses$2,644,890
Net Income$157,508
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$2,802,398
Expenses
$2,644,890
Net income
$157,508
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.00$0.00$0.00$2.80$2.64$0.16
2024Detailed filing. Detailed filing data is available for this year.$49.5$43.6$5.85$3.08$2.07$1.01
2023Detailed filing. Detailed filing data is available for this year.$49.3$44.7$4.62$2.68$1.85$0.83
2022Detailed filing. Detailed filing data is available for this year.$51.3$47.8$3.57$2.08$1.86$0.22
2021Detailed filing. Detailed filing data is available for this year.$51.3$47.6$3.65$1.93$1.64$0.29
2020Detailed filing. Detailed filing data is available for this year.$47.8$44.4$3.45$1.94$1.75$0.19
2019Detailed filing. Detailed filing data is available for this year.$37.9$34.7$3.24$2.05$1.85$0.20
2018Detailed filing. Detailed filing data is available for this year.$36.6$33.6$2.97$1.91$1.74$0.17
2017Detailed filing. Detailed filing data is available for this year.$36.6$33.8$2.81$1.76$1.71$0.05
2016Detailed filing. Detailed filing data is available for this year.$36.0$33.2$2.79$1.75$1.74$0.02
2015Detailed filing. Detailed filing data is available for this year.$34.0$31.2$2.75$1.67$1.97$0.30
2014Detailed filing. Detailed filing data is available for this year.$33.3$30.2$3.06$1.77$1.89$0.11
2013Detailed filing. Detailed filing data is available for this year.$31.3$28.1$3.18$1.80$1.85$0.05
2012Summary only. Only limited summary data is available for this year.$30.0$26.8$3.24$1.79$1.72$0.07
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.0$26.8$3.16$1.67
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$26.9$23.8$3.11$1.65
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Oct 31, 2025
Signed
Jan 29, 2026
Return Version
2025v4.0
Gross Receipts
$3,069,733
Mission and Program Overview

Mission

White River Credit Union is a member-owned financial institution providing varied financial services to members in a convenient and personal manner, while maintaining long-term financial safety and stability.

White River Credit Union is a member-owned financial institution providing varied financial services to members in a convenient and personal manner while maintaining long-term financial safety and stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$30,655,300$0▼ $30,655,300
Savings and Temporary Cash Investments$16,532,963$0▼ $16,532,963
Rtn Earn Endowment Incm Other Fnds$5,850,957$0▼ $5,850,957
Land, Buildings, and Equipment, Net$864,915$0▼ $864,915
Cash and Non-Interest-Bearing Accounts$783,702$0▼ $783,702
Receivables From Officers Etc$83,508$0▼ $83,508
Prepaid Expenses and Deferred Charges$83,160$0▼ $83,160
Accounts Receivable$9,571$0▼ $9,571
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$49,498,527$0▼ $49,498,527
Other Assets Total$485,408$0▼ $485,408
Liabilities
Other Liabilities$42,862,143$0▼ $42,862,143
Accounts Payable and Accrued Expenses$785,427$0▼ $785,427
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$43,647,570$0▼ $43,647,570
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,850,957$0▼ $5,850,957
Total Liabilities and Net Assets / Fund Balance$49,498,527$0▼ $49,498,527
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Wanda DunhamCEOFT$134,075$134,075

Board Members and Trustees

NameTitle
Andrew WestChairperson Board of Directors
Nancy HarveyVice Chairperson Board of Directors
Mickaela RichardsonBoard Member
Faye SeveryBoard of Directors
William J Floyd IIIDirector
Priscilla BakerSecretary Board of Directors
Diane ShepardTreasurer Board or Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,190,170
Investment Income
$627,563
Other Revenue
$-15,335
All Other Contributions
$0
Change in Net Assets
$157,508
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,888,336
Salaries, Compensation, and Employee Benefits$756,554
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Expenses$538,213$0$0$538,213
Other Salaries and Wages$460,735$0$0$460,735
Office Expenses$358,929$0$0$358,929
Depreciation Depletion$199,213$0$0$199,213
Current Officers, Directors, Trustees, and Key Employees$134,075$0$0$134,075
Information Technology$110,986$0$0$110,986
Other Employee Benefits$91,526$0$0$91,526
Occupancy$84,452$0$0$84,452
Fees for Services Accounting$50,737$0$0$50,737
Payroll Taxes$46,094$0$0$46,094
Insurance$42,730$0$0$42,730
Pension Plan Contributions$24,124$0$0$24,124
Travel$3,615$0$0$3,615
Advertising$3,038$0$0$3,038
Conferences and Meetings$1,601$0$0$1,601
Fees for Services Legal$1,484$0$0$1,484
All Other Expenses$1,391$0$0$1,391
Total Functional Expenses$2,644,890$0$0$2,644,890
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$83,508$0▼ $83,508
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI, Line 6

“The organization is a community-based credit union owned by its members. The credit union currently serves 3,880 members.”

Part VI, Line 7A

“The organization is a credit union comprised of members of the area communities. These members elect the Board of Directors.”

Part VI, Line 7B

“The credit union holds an Annual Meeting of its members. At this meeting the membership votes to empower the Board of Directors with certain decisions.”

Part VI, Line 11A

“Prior to the remittal of the Form 990 to the IRS it is reviewed by the Board of Directors at one of their scheduled monthly meetings.”

Part VI, Line 12C

“The Board of Directors and Executive Management conscientiously strive to use vendors that meet the standards of this policy.”

Part VI, Line 15

“The Board of Directors conducts an annual performance review of the CEO. They also review pertinent industry data in determining the CEO and other employees compensation packages.”

Part VI, Line 19

“White River Credit Union makes its governing documents and Conflict of Interest Policy available to the public upon request. Monthly financial statements are posted in each branch offices lobby and are also available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
White River Credit Union
EIN
03-0182263
Phone
8027673333
Address
96 N MAIN ST, ROCHESTER, VT 05767-9704

Signing Officer

Name
Wanda H Dunham
Title
CEO President
Phone
8027673333
Signed
2026-01-29

Organization Details

Principal Officer
Wanda H Dunham
Formed
1947
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
7
Employees
12
Volunteers
10
Supplemental Narrative

Additional Explanations

Part III, line 3

“On November 1 2025 White River Credit Union completed a merger with 802 Credit Union. The name of the continuing credit union will remain 802 Credit Union.”

Raw XML AppendixShowing 400 of 622 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm0Wanda Dunham
IRS990/Form990PartVIISectionAGrp/PersonNm1Andrew West
IRS990/Form990PartVIISectionAGrp/PersonNm2Nancy Harvey
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