Civic Intelligence

White River Credit Union

990 • Fiscal year 2015 • EIN 03-0182263

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 15, 2016

Organization Profilewww.whitercu.com

View Organization Page

96 N Main St PO Box 419Rochester, VT 05767-0419

(802) 767-3333

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

40th percentile

18.73x

Higher debt load relative to revenue than 40% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

2nd percentile

-18%

Higher net margin than 2% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

42nd percentile

2.1%

Faster asset growth than 42% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

10th percentile

-6.0%

Faster revenue growth than 10% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets91st percentile

Assets

Up

$33,981,908

Up $706,725 (+2.1%) from 2014

Net Assets

Down

$2,752,711

Down $311,088 (-10%) from 2014

Liabilities

Up

$31,229,197

Up $1,017,813 (+3.4%) from 2014

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin2nd percentile

Revenue

Down

$1,667,245

Down $107,277 (-6.0%) from 2014

Expenses

Up

$1,971,689

Up $85,196 (+4.5%) from 2014

Net Income

Down

-$304,444

Down $192,473 (-172%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2015

Assets$33,981,908
Liabilities$31,229,197
Net Assets$2,752,711
Open 2015 Filing

Operations Trend

Revenue Growth10th percentile

Revenue, expenses, and net income across loaded years, with this 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

2015

Revenue$1,667,245
Expenses$1,971,689
Net Income-$304,444
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 15, 2016
Return Version
2015v2.1
Gross Receipts
$1,904,263
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$23,394,173$22,875,144▼ $519,029
Savings and Temporary Cash Investments$7,053,238$8,342,735▲ $1,289,497
Rtn Earn Endowment Incm Other Fnds$3,063,799$2,752,711▼ $311,088
Land, Buildings, and Equipment, Net$1,241,365$1,151,298▼ $90,067
Cash and Non-Interest-Bearing Accounts$1,205,687$1,125,750▼ $79,937
Receivables From Officers Etc$0$172,506▲ $172,506
Prepaid Expenses and Deferred Charges$64,057$91,356▲ $27,299
Accounts Receivable$14,265$5,565▼ $8,700
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$33,275,183$33,981,908▲ $706,725
Other Assets Total$302,398$217,554▼ $84,844
Liabilities
Other Liabilities$29,757,416$31,032,553▲ $1,275,137
Accounts Payable and Accrued Expenses$453,968$196,644▼ $257,324
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$30,211,384$31,229,197▲ $1,017,813
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,063,799$2,752,711▼ $311,088
Total Liabilities and Net Assets / Fund Balance$33,275,183$33,981,908▲ $706,725

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$895,949$731,036$1,626,985
Equipment$147,073$590,548$737,621
Land$108,276-$108,276
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Nancy HarveyChairperson, Board of Directors
Allen JohnsonVice-Chairperson, Board of Directors
Andrew WestBoard Member
Christi BollmanBoard Member
Diane ShepardBoard Member
Priscilla BakerSecretary, Board of Directors
Donald CrickardTreasurer, Board of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,666,921
Investment Income
$11,029
Other Revenue
$-10,705
Change in Net Assets
$-304,444
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,011,883
Other Expenses$959,806
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$763,188
Office Expenses---$270,290
Other Expenses---$206,306
Other Employee Benefits---$145,714
Depreciation Depletion---$93,165
Information Technology---$78,655
Occupancy---$75,919
Payroll Taxes---$73,942
Fees for Services Accounting---$46,549
Insurance---$46,549
Pension Plan Contributions---$29,039
Advertising---$22,850
Fees for Services Legal---$9,298
Travel---$5,944
All Other Expenses---$5,775
Conferences and Meetings---$3,627
Total Functional Expenses$0$0$0$1,971,689
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
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$0$172,506▲ $172,506
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Savings & Term Share Certificates$31,010,960
Accrued Expenses$19,165
Dividends Payable$25
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 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

Form 990, Part VI, Section A, Line 6

“The organization is a community based credit union. The credit union currently serves 4,650 Members.”

Form 990, Part VI, Section A, Line 7A

“The organization is a credit union made up of Members of the community. The Members elect the slate of the Board of Directors.”

Form 990, Part VI, Section A, 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 powers.”

Form 990, Part VI, Section B, Line 11B

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

Form 990, Part VI, Section B, Line 12C

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

Form 990, Part VI, Section B, Line 15

“Each year, the Board of Directors conducts a performance review of the CEO. They also review the industry salary and benefit packages for a CEO. The Board of Directors sets the salary package for the upcoming year for the CEO. This process was completed in December 2015 for the year 2016.”

Form 990, Part VI, Section C, Line 19

“The 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 office's 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 PO Box 419, ROCHESTER, VT 05767-0419

Signing Officer

Name
Wanda Dunham
Title
CEO/President
Phone
8027673333
Signed
2016-08-15

Organization Details

Principal Officer
Wanda H Dunham
Formed
1947
Legal Domicile
Vt
Voting Board Members
7
Independent Board Members
7
Employees
21
Volunteers
13
Supplemental Narrative

Additional Explanations

Form 990, Part V, Line 3B

“We have filed, and received confirmation of, an extension for the filing of this form until November 15, 2016.”

Raw XML AppendixShowing 400 of 632 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0453968
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0196644
IRS990/AccountsReceivableGrp/BOYAmt014265
IRS990/AccountsReceivableGrp/EOYAmt05565
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0White 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.
IRS990/AdvertisingGrp/TotalAmt022850
IRS990/AllOtherExpensesGrp/TotalAmt05775
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Wanda H Dunham CEO
IRS990/BooksInCareOfDetail/PhoneNum08027673333
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt096 N Main St
IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt0PO Box 419
IRS990/BooksInCareOfDetail/USAddress/CityNm0ROCHESTER
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VT
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0057670419
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt01205687
IRS990/CashNonInterestBearingGrp/EOYAmt01125750
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt00
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt03627
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContriRptFundraisingEventAmt00
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt011029
IRS990/CYOtherExpensesAmt0959806
IRS990/CYOtherRevenueAmt0-10705
IRS990/CYProgramServiceRevenueAmt01666921
IRS990/CYRevenuesLessExpensesAmt0-304444
IRS990/CYSalariesCompEmpBnftPaidAmt01011883
IRS990/CYTotalExpensesAmt01971689
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01667245
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt093165
IRS990/Desc0Community based credit union providing savings and lending products to members of the community on an ongoing basis. Currently serve 4,650 Members.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt021
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt046549
IRS990/FeesForServicesLegalGrp/TotalAmt09298
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt00.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.5
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt60.5
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/PersonNm0Andrew West
IRS990/Form990PartVIISectionAGrp/PersonNm1Nancy Harvey
IRS990/Form990PartVIISectionAGrp/PersonNm2Allen Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm3Diane Shepard
IRS990/Form990PartVIISectionAGrp/PersonNm4Priscilla Baker
IRS990/Form990PartVIISectionAGrp/PersonNm5Christi Bollman
IRS990/Form990PartVIISectionAGrp/PersonNm6Donald Crickard
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairperson, Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt2Vice-Chairperson, Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary, Board of Directors
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Treasurer, Board of Directors
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd00
IRS990/FormationYr01947
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt0-46820
IRS990/GamingActivitiesInd00
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0147805
IRS990/GrossReceiptsAmt01904263
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt031688
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InformationTechnologyGrp/TotalAmt078655
IRS990/InsuranceGrp/TotalAmt046549
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt057849
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt057849
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt027
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01321584
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01241365
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01151298
IRS990/LandBldgEquipCostOrOtherBssAmt02472882
IRS990/LegalDomicileStateCd0VT
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0194625
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt042393
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0White 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.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt03063799
IRS990/NetAssetsOrFundBalancesEOYAmt02752711
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-46820
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-46820
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt0-10705
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt0-10705
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-6644
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt075919
IRS990/OfficeExpensesGrp/TotalAmt0270290
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0302398
IRS990/OtherAssetsTotalGrp/EOYAmt0217554
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0145714
IRS990/OtherExpensesGrp/Desc0Dues
IRS990/OtherExpensesGrp/Desc1Dividends Paid to Members
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expenses
IRS990/OtherExpensesGrp/TotalAmt08857
IRS990/OtherExpensesGrp/TotalAmt186022
IRS990/OtherExpensesGrp/TotalAmt2206306
IRS990/OtherLiabilitiesGrp/BOYAmt029757416
IRS990/OtherLiabilitiesGrp/EOYAmt031032553
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0763188
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt023394173
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt022875144
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt073942
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt029039
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt064057
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt091356
IRS990/PrincipalOfficerNm0Wanda H Dunham
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest from Loans
IRS990/ProgramServiceRevenueGrp/Desc1Program Service Fees
IRS990/ProgramServiceRevenueGrp/Desc2Loan Related Insurance Reimb
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01275386
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1376939
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt214596
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01275386
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1376939
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt214596
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt016068
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0986175
IRS990/PYOtherRevenueAmt0-13621
IRS990/PYProgramServiceRevenueAmt01772075
IRS990/PYRevenuesLessExpensesAmt0-111971
IRS990/PYSalariesCompEmpBnftPaidAmt0900318
IRS990/PYTotalExpensesAmt01886493
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01774522
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0172506
IRS990/ReconcilationRevenueExpnssAmt0-304444
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt0-10705
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03063799
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02752711
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07053238
IRS990/SavingsAndTempCashInvstGrp/EOYAmt08342735
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0895949
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0731036
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01626985
IRS990ScheduleD/EquipmentGrp/BookValueAmt0147073
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0590548
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0737621
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt02403
IRS990ScheduleD/LandGrp/BookValueAmt0108276
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0108276
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt025
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt119165
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt231010960
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Dividends Payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Expenses
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Member Share Savings & Term Share Certificates
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01151298
IRS990ScheduleD/TotalLiabilityAmt031032553
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt01840
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt182428
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt2634
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt31558
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt44361
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt51574
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt61030
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt710000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt8430
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt914358
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt102517
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1114844
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt124661
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1312947
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt143968
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt154960
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt1610140
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt17255
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd71
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd81
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd91

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$33,981,908
Liabilities
$31,229,197
Net assets
$2,752,711
Revenue
$1,667,245
Expenses
$1,971,689
Net income
-$304,444
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2015 filings • 501(c)14 • $25M-$50M nonprofits