Civic Intelligence

General Electric River Works Cu

990 • Fiscal year 2012 • EIN 04-6061145

Jan 01, 2012 to Dec 31, 2012 • Filed on Aug 14, 2013

Organization ProfileRWCU.COM

View Organization Page

947 Western Ave01905
Siviq Scores

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

Liabilities / Assets

30th percentile

0.88x

Higher debt load relative to assets than 30% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

6th percentile

-2.4%

Faster asset growth than 6% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets30th percentile

Assets

Down

$83,768,299

Down $2,043,159 (-2.4%) from 2011

Net Assets

Up

$10,184,623

Up $1,023,920 (+11%) from 2011

Liabilities

Down

$73,583,676

Down $3,067,079 (-4.0%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$4,205,360

Down $233,282 (-5.3%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth6th percentile

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

$200M$150M$100M$50M$0Assets 2010: $82,393,305Liabilities 2010: $74,354,030Net Assets 2010: $8,039,2752010Assets 2011: $85,811,458Liabilities 2011: $76,650,755Net Assets 2011: $9,160,7032011Assets 2012: $83,768,299Liabilities 2012: $73,583,676Net Assets 2012: $10,184,6232012Assets 2013: $94,301,131Liabilities 2013: $83,442,902Net Assets 2013: $10,858,2292013Assets 2014: $102,784,517Liabilities 2014: $90,697,812Net Assets 2014: $12,086,7052014Assets 2015: $105,989,301Liabilities 2015: $92,733,940Net Assets 2015: $13,255,3612015Assets 2016: $107,023,616Liabilities 2016: $93,328,893Net Assets 2016: $13,694,7232016Assets 2017: $106,329,845Liabilities 2017: $92,402,502Net Assets 2017: $13,927,3432017Assets 2018: $102,682,814Liabilities 2018: $88,561,371Net Assets 2018: $14,121,4432018Assets 2019: $102,221,120Liabilities 2019: $88,021,190Net Assets 2019: $14,199,9302019Assets 2020: $109,766,973Liabilities 2020: $95,226,045Net Assets 2020: $14,540,9282020Assets 2021: $115,018,497Liabilities 2021: $99,984,252Net Assets 2021: $15,034,2452021Assets 2022: $112,516,103Liabilities 2022: $97,306,993Net Assets 2022: $15,209,1102022Assets 2023: $123,514,563Liabilities 2023: $107,439,538Net Assets 2023: $16,075,0252023Assets 2024: $151,358,711Liabilities 2024: $134,854,665Net Assets 2024: $16,504,0462024

Highlighted filing

2012

Assets$83,768,299
Liabilities$73,583,676
Net Assets$10,184,623
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$10M$5.0M$0Expenses 2010: $4,778,8722010Expenses 2011: $4,438,6422011Expenses 2012: $4,205,3602012Revenue 2013: $4,811,426Expenses 2013: $4,067,608Net Income 2013: $743,8182013Revenue 2014: $5,516,148Expenses 2014: $4,213,449Net Income 2014: $1,302,6992014Revenue 2015: $5,534,662Expenses 2015: $4,366,006Net Income 2015: $1,168,6562015Revenue 2016: $6,102,538Expenses 2016: $5,663,176Net Income 2016: $439,3622016Revenue 2017: $4,592,236Expenses 2017: $4,359,616Net Income 2017: $232,6202017Revenue 2018: $4,640,173Expenses 2018: $4,446,073Net Income 2018: $194,1002018Revenue 2019: $4,660,468Expenses 2019: $4,581,981Net Income 2019: $78,4872019Revenue 2020: $5,106,008Expenses 2020: $4,765,010Net Income 2020: $340,9982020Revenue 2021: $5,008,646Expenses 2021: $4,515,329Net Income 2021: $493,3172021Revenue 2022: $4,574,179Expenses 2022: $4,399,314Net Income 2022: $174,8652022Revenue 2023: $6,428,970Expenses 2023: $5,563,055Net Income 2023: $865,9152023Revenue 2024: $8,278,993Expenses 2024: $7,849,972Net Income 2024: $429,0212024

Highlighted filing

2012

Revenue-
Expenses$4,205,360
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 14, 2013
Return Version
2012v2.1
Gross Receipts
$5,224,083
Mission and Program Overview

Mission

The promotion of thrift among its members by the accumulation of their savings and the loaning of such savings back to its members at a moderate rate of interest.

Filing and Contact Details

Filer

EIN
04-6061145
Raw XML AppendixShowing 400 of 435 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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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1CREDIT UNION MEMBERS ELECT THEIR VOLUNTEER BOARD OD DIRECTORS WHO ARE ALSO MEMBERS OF THE CREDIT UNION. ONE MEMBER, ONE VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation2ANY MAJOR CHANGES TO THE CREDIT UNION'S BY-LAWS MUST BE APPROVED BY THE MEMBERSHIP
IRS990ScheduleO/GeneralExplanation/Explanation3THE ACCOUNTING MANAGER PREPARES THE 990. THE PRESIDENT/CEO REVIEWS THE FORM FOR ACCURACY. THE CREDIT UNION'S OUTSIDE CPA AUDITOR REVIEWS THE FORM AND MAKES ANY NECESSARY CORRECTIONS BEFORE ELECTRONICALLY FILING THE REPORT ON THE CREDIT UNION'S BEHALF. THE 990 IS AVAILABLE FOR THE BOARD AND SUPERVISORY COMMITTEE TO REVIEW.
IRS990ScheduleO/GeneralExplanation/Explanation4PROFESSIONAL CREDIT UNION COMPENSATION SURVEYS ARE OBTAINED AND PROVIDED TO THE BOARD. THE BOARD USES THIS INFORMATION IN CONJUNCTION WITH REVIEW OF THE PERFORMANCE OF THE CEO TO DETERMINE AN APPROPRIATE COMPENSATION AMOUNT. THE BOARD VOTES ON THE CEO'S COMPENSATION.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CREDIT UNION'S BYLAWS ARE AVAIALBLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE CU MAIN LOBBY AND ARE AVAILABLE UPON REQUEST. THEY CAN ALSO BE VIEWED ON NCUA'S WEBSITE.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10MARIA CACCIOLA
IRS990/TheBooksAreInCareOf/TelephoneNumber07815990096
IRS990/TotalAssets/BOY085811458
IRS990/TotalAssetsBOY085811458
IRS990/TotalAssets/EOY083768299
IRS990/TotalAssetsEOY083768299
IRS990/TotalCompGT150K00
IRS990/TotalExpensesCurrentYear04205360
IRS990/TotalExpensesPriorYear04438642
IRS990/TotalFunctionalExpenses/Total04205360
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI068475
IRS990/TotalLiabilities/BOY076650755
IRS990/TotalLiabilitiesBOY076650755
IRS990/TotalLiabilities/EOY073583676
IRS990/TotalLiabilitiesEOY073583676
IRS990/TotalLiabNetAssetsFundBalances/BOY085811458
IRS990/TotalLiabNetAssetsFundBalances/EOY083768299
IRS990/TotalNbrEmployees034
IRS990/TotalNbrVolunteers00
IRS990/TotalNetAssetsFundBalances/BOY09160703
IRS990/TotalNetAssetsFundBalances/EOY010184623
IRS990/TotalOtherCompensation00
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceRevenue04409513
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0122254
IRS990/TotalRevenueCurrentYear05224083
IRS990/TotalRevenue/ExclusionAmount00
IRS990/TotalRevenuePriorYear05392052
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome05155608
IRS990/TotalRevenue/TotalRevenueColumn05224083

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$83,768,299
Liabilities
$73,583,676
Net assets
$10,184,623
Revenue
-
Expenses
$4,205,360
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$151$135$16.5$8.28$7.85$0.43
2023Detailed filing. Detailed filing data is available for this year.$124$107$16.1$6.43$5.56$0.87
2022Detailed filing. Detailed filing data is available for this year.$113$97.3$15.2$4.57$4.40$0.17
2021Detailed filing. Detailed filing data is available for this year.$115$100.0$15.0$5.01$4.52$0.49
2020Detailed filing. Detailed filing data is available for this year.$110$95.2$14.5$5.11$4.77$0.34
2019Detailed filing. Detailed filing data is available for this year.$102$88.0$14.2$4.66$4.58$0.08
2018Detailed filing. Detailed filing data is available for this year.$103$88.6$14.1$4.64$4.45$0.19
2017Detailed filing. Detailed filing data is available for this year.$106$92.4$13.9$4.59$4.36$0.23
2016Detailed filing. Detailed filing data is available for this year.$107$93.3$13.7$6.10$5.66$0.44
2015Detailed filing. Detailed filing data is available for this year.$106$92.7$13.3$5.53$4.37$1.17
2014Detailed filing. Detailed filing data is available for this year.$103$90.7$12.1$5.52$4.21$1.30
2013Detailed filing. Detailed filing data is available for this year.$94.3$83.4$10.9$4.81$4.07$0.74
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$83.8$73.6$10.2$4.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$85.8$76.7$9.16$4.44
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$82.4$74.4$8.04$4.78
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $50M-$100M nonprofits