River Valley Credit Union

“Entity is a credit union with 16,855 members.”

“The members of rvcu elect at least one member of the board of directors”

“Entity wide decisions including election of officers, merger and acquisition, and changes to by-laws or governing documents would require membership approval.”

“Form 990 is reviewed by the ceo and cfo prior to filing. Filing is reported to the board of directors and made available for review.”

“Related party questionnaires are completed by directors annually to determine any conflicting interests.”

“Ceo compensation is reviewed and approved by a compensation committee of the board of directors. Officer compensation is initiated and approved by the ceo and considered by the board in annual budget reporting.”

“Rvcu makes its documents available to the public by request with the exception of the financial statements which are posted in each branch lobby.”

“Deborah carpenter - 190 canoe brook road, e dummerston, vt 05346. Russell farrar - 2618 flamstead road, chester, vt 05143. James bedard - 186 maple street, brattleboro, vt 05301. Karen cedergren - po box 2532, w. Brattleboro, vt 05303. Kimberley gouger - 7 moss hollow lane, newfane, vt 05345. Jill fortier - 579 mt herman station road, northfield, ma 01360. Larry kraft - 12 pinebrook lane f-8, n. Springfield, vt 05150. Samantha bovat - 270 hill road, brookline, vt 05345. Richard carroll - 93 southern heights drive, vernon, vt 05354. Jeffrey morse - po box 538-6 namaschaug landing, spofford, nh 03462. Michael cooney - 146 newfane road, wardsboro, vt 05355. Michael rogers - 33 norcross landing, w chesterfield, nh 03466. Robin sweetapple - 84 oak street, brattleboro, vt 05301. James valente - 92 green street, brattleboro, vt 05301. George athes - 39 olive street, brattleboro, vt 05301. John jamison - 461 sugar house hill rd , guilford , vt 05301. Ethan grimes - 442 williams st, brattleboro, vt 05301.”

“Profess. & outside services : program service expenses 143,804. Management and general expenses 0. Fundraising expenses 0. Total expenses 143,804. Collection costs : program service expenses 118,182. Management and general expenses 0. Fundraising expenses 0. Total expenses 118,182. Postage : program service expenses 117,992. Management and general expenses 0. Fundraising expenses 0. Total expenses 117,992. Deposit services expense : program service expenses 71,209. Management and general expenses 0. Fundraising expenses 0. Total expenses 71,209. Telephone : program service expenses 56,958. Management and general expenses 0. Fundraising expenses 0. Total expenses 56,958. Dues/subscriptions : program service expenses 48,261. Management and general expenses 0. Fundraising expenses 0. Total expenses 48,261. Statement services : program service expenses 40,266. Management and general expenses 0. Fundraising expenses 0. Total expenses 40,266. Gain(loss) on disposal of asset : program service expenses 29,677. Management and general expenses 0. Fundraising expenses 0. Total expenses 29,677. Donations : program service expenses 28,411. Management and general expenses 0. Fundraising expenses 0. Total expenses 28,411. Conference expense : program service expenses 26,007. Management and general expenses 0. Fundraising expenses 0. Total expenses 26,007. Armored car & currier : program service expenses 19,985. Management and general expenses 0. Fundraising expenses 0. Total expenses 19,985. Payroll fees : program service expenses 18,398. Management and general expenses 0. Fundraising expenses 0. Total expenses 18,398. Meal expenses : program service expenses 16,603. Management and general expenses 0. Fundraising expenses 0. Total expenses 16,603. Atm costs : program service expenses 13,226. Management and general expenses 0. Fundraising expenses 0. Total expenses 13,226. Credit bureau costs : program service expenses 13,192. Management and general expenses 0. Fundraising expenses 0. Total expenses 13,192. Vermont exam. Fees : program service expenses 9,067. Management and general expenses 0. Fundraising expenses 0. Total expenses 9,067. Training : program service expenses 6,791. Management and general expenses 0. Fundraising expenses 0. Total expenses 6,791. Board/committee costs : program service expenses 6,194. Management and general expenses 0. Fundraising expenses 0. Total expenses 6,194. Annual meeting expenses : program service expenses 4,289. Management and general expenses 0. Fundraising expenses 0. Total expenses 4,289.”

“The organization has not changed its overnight process or selection process during the tax year.”