Civic Intelligence

Rhode Island Credit Union

EIN 05-0252335 • 501(c)14 • Providence, RI

View Organization Page

Profile

Rhode Island Credit Union provides financial services to members

160 Francis StreetProvidence, RI 02903

www.ricreditunion.org

Siviq Scores

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

Liabilities / Assets

47th percentile

0.90x

Higher debt load relative to assets than 47% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

74th percentile

16.64x

Higher debt load relative to revenue than 74% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

75th percentile

15%

Higher net margin than 75% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

16th percentile

$295,950

Higher top officer pay than 16% of similar nonprofits.

Top officer pay equals 1.3% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Asset Growth

47th percentile

2.5%

Faster asset growth than 47% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

95th percentile

34%

Faster revenue growth than 95% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$411,087,987

Up $10,178,401 (+2.5%) from 2023

Liabilities

Up

$369,132,433

Up $5,917,348 (+1.6%) from 2023

Net Assets

Up

$41,955,554

Up $4,261,053 (+11%) from 2023

Operations
Liabilities / Revenue74th percentileNet Margin75th percentile

Revenue

Up

$22,185,190

Up $5,568,797 (+34%) from 2023

Expenses

Up

$18,826,483

Up $2,137,570 (+13%) from 2023

Net Income

Up

$3,358,707

Up $3,431,227 (+4731%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

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

$600M$400M$200M$0Assets 2010: $214,998,199Liabilities 2010: $188,160,074Net Assets 2010: $26,838,1252010Assets 2011: $230,070,945Liabilities 2011: $204,230,885Net Assets 2011: $25,840,0602011Assets 2012: $236,500,216Liabilities 2012: $211,417,627Net Assets 2012: $25,082,5892012Assets 2013: $241,890,580Liabilities 2013: $216,542,503Net Assets 2013: $25,348,0772013Assets 2014: $246,997,180Liabilities 2014: $221,769,917Net Assets 2014: $25,227,2632014Assets 2015: $257,135,382Liabilities 2015: $232,307,898Net Assets 2015: $24,827,4842015Assets 2016: $266,326,764Liabilities 2016: $241,719,406Net Assets 2016: $24,607,3582016Assets 2017: $273,096,458Liabilities 2017: $247,630,315Net Assets 2017: $25,466,1432017Assets 2018: $276,763,143Liabilities 2018: $249,958,524Net Assets 2018: $26,804,6192018Assets 2019: $283,119,793Liabilities 2019: $255,137,783Net Assets 2019: $27,982,0102019Assets 2020: $346,174,314Liabilities 2020: $314,678,727Net Assets 2020: $31,495,5872020Assets 2021: $387,896,384Liabilities 2021: $352,014,250Net Assets 2021: $35,882,1342021Assets 2022: $402,123,591Liabilities 2022: $364,056,906Net Assets 2022: $38,066,6852022Assets 2023: $400,909,586Liabilities 2023: $363,215,085Net Assets 2023: $37,694,5012023Assets 2024: $411,087,987Liabilities 2024: $369,132,433Net Assets 2024: $41,955,5542024

Highlighted filing

2024

Assets$411,087,987
Liabilities$369,132,433
Net Assets$41,955,554
Open 2024 Filing

Operations Trend

Revenue Growth95th percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $11,052,2002010Expenses 2011: $10,542,6962011Expenses 2012: $10,521,2392012Revenue 2013: $10,329,344Expenses 2013: $10,522,215Net Income 2013: -$192,8712013Revenue 2014: $10,724,626Expenses 2014: $10,406,456Net Income 2014: $318,1702014Revenue 2015: $11,027,705Expenses 2015: $10,694,956Net Income 2015: $332,7492015Revenue 2016: $10,925,528Expenses 2016: $10,901,161Net Income 2016: $24,3672016Revenue 2017: $11,775,934Expenses 2017: $10,951,009Net Income 2017: $824,9252017Revenue 2018: $13,098,610Expenses 2018: $11,502,962Net Income 2018: $1,595,6482018Revenue 2019: $14,156,091Expenses 2019: $12,839,187Net Income 2019: $1,316,9042019Revenue 2020: $13,959,766Expenses 2020: $13,222,795Net Income 2020: $736,9712020Revenue 2021: $16,678,289Expenses 2021: $12,908,550Net Income 2021: $3,769,7392021Revenue 2022: $16,174,747Expenses 2022: $13,517,856Net Income 2022: $2,656,8912022Revenue 2023: $16,616,393Expenses 2023: $16,688,913Net Income 2023: -$72,5202023Revenue 2024: $22,185,190Expenses 2024: $18,826,483Net Income 2024: $3,358,7072024

Highlighted filing

2024

Revenue$22,185,190
Expenses$18,826,483
Net Income$3,358,707
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$411,087,987
Liabilities
$369,132,433
Net assets
$41,955,554
Revenue
$22,185,190
Expenses
$18,826,483
Net income
$3,358,707
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$411$369$42.0$22.2$18.8$3.36
2023Detailed filing. Detailed filing data is available for this year.$401$363$37.7$16.6$16.7$0.07
2022Detailed filing. Detailed filing data is available for this year.$402$364$38.1$16.2$13.5$2.66
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$388$352$35.9$16.7$12.9$3.77
2020Detailed filing. Detailed filing data is available for this year.$346$315$31.5$14.0$13.2$0.74
2019Detailed filing. Detailed filing data is available for this year.$283$255$28.0$14.2$12.8$1.32
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$277$250$26.8$13.1$11.5$1.60
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$273$248$25.5$11.8$11.0$0.82
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$266$242$24.6$10.9$10.9$0.02
2015Detailed filing. Detailed filing data is available for this year.$257$232$24.8$11.0$10.7$0.33
2014Detailed filing. Detailed filing data is available for this year.$247$222$25.2$10.7$10.4$0.32
2013Detailed filing. Detailed filing data is available for this year.$242$217$25.3$10.3$10.5$0.19
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$237$211$25.1$10.5
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$230$204$25.8$10.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$215$188$26.8$11.1
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2023 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
May 6, 2024
Return Version
2023v5.0
Gross Receipts
$16,616,393
Mission and Program Overview

Mission

Rhode Island Credit Union provides financial services to members

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$280,452,058$281,868,433▲ $1,416,375
Savings and Temporary Cash Investments$101,523,204$97,363,640▼ $4,159,564
Rtn Earn Endowment Incm Other Fnds$38,066,685$37,694,501▼ $372,184
Land, Buildings, and Equipment, Net$8,571,730$10,361,935▲ $1,790,205
Prepaid Expenses and Deferred Charges$3,310,646$3,646,986▲ $336,340
Cash and Non-Interest-Bearing Accounts$2,014,478$1,712,449▼ $302,029
Other Notes and Loans Receivable, Net$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Total Assets$402,123,591$400,909,586▼ $1,214,005
Other Assets Total$6,251,475$5,956,143▼ $295,332
Liabilities
Other Liabilities$358,236,050$358,179,802▼ $56,248
Accounts Payable and Accrued Expenses$5,820,856$5,035,283▼ $785,573
Total Liabilities$364,056,906$363,215,085▼ $841,821
Net Assets / Fund Balance
Total Net Assets Fund Balance$38,066,685$37,694,501▼ $372,184
Total Liabilities and Net Assets / Fund Balance$402,123,591$400,909,586▼ $1,214,005

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$7,698,753$4,388,226$12,086,979
Equipment$914,619$6,057,823$6,972,442
Leasehold Improvements$1,418,311$429,242$1,847,553
Land$330,252-$330,252
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay16th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David B SuvallPresident/CEOFT$254,522$38,396$292,918
Nancy L ZeppaExecutive Vice President/COOFT$191,323$69,216$260,539
Dana R TaglianettiSenior VP/CFOFT$145,899$54,446$200,345
Maureen JendzejecSenior VP/CLOFT$143,928$43,612$187,540
John MorawskiVP/itFT$119,900$56,211$176,111
Gina M DePaloSVP/crmoFT$131,908$34,559$166,467
David MarsellaIn House AttorneyFT$107,622$41,642$149,264
Louis VottaConsumer Loan Operations ManagerFT$103,730$43,360$147,090
Jane F CorreiaBoard ChairPT$20,400-$20,400
Dennis TripodiAssistant TreasurerPT$18,000-$18,000
Ernest A DeAngelisFirst Vice ChairPT$18,000-$18,000
Roger PincinceBoard MemberPT$18,000-$18,000
Robert E ChristieBoard TreasurerPT$17,250-$17,250
Leroy RoseJeDirectorPT$15,000-$15,000
Beverly A DwyerBoard MemberPT$13,500-$13,500
Joseph DurandBoard MemberPT$10,500-$10,500
Robert P GemmaDirectorPT$9,000-$9,000
Henry Godin JrBoard MemberPT$1,500-$1,500
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$16,616,393
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-72,520

Audited Revenue Reconciliation

Revenue per Audited Statements
$16,616,393
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$16,616,393
Total Revenue per Form 990
$16,616,393
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,345,512
Salaries, Compensation, and Employee Benefits$7,343,401
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,800,360
Interest---$2,375,164
Current Officers, Directors, Trustees, and Key Employees---$1,721,424
Office Expenses---$1,567,962
Other Employee Benefits---$1,130,337
Occupancy---$965,062
Depreciation Depletion---$668,179
Other Expenses---$586,072
Payroll Taxes---$405,107
Fees for Services Legal---$317,771
Advertising---$297,145
Pension Plan Contributions---$286,173
Fees for Services Accounting---$72,375
Travel---$65,602
Fees for Services Lobbying---$38,447
Total Functional Expenses$0$0$0$16,688,913

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$16,688,913
Total Expenses per Audited Statements$16,688,913
Total Expenses per Form 990$16,688,913
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Other Expense Adjustments$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
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 Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Savings and Deposit Accounts$358,179,802
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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

Form 990, Part VI, Section A, Line 6

“Each Member is a stockholder of the Credit Union”

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

“Credit Union members elect the Governing Body”

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

“Any By-Law Changes require approval of the Membership”

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

“The Supervisory Committee reviews the 990 filing annually”

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

“All members of the governing body sign Conflict of Interest Statements attesting that they have NO conflict of interest”

Form 990, Part VI, Section B, Line 15

“Outside comparative data is used to determine salary of all senior management”

Form 990, Part VI, Section C, Line 19

“Documents and policies are available upon request”

Filing and Contact Details

Filer

Filer Name
Rhode Island Credit Union
EIN
05-0252335
Phone
4017517440
Address
160 Francis Street, Providence, RI 02903

Signing Officer

Name
Dana Taglianetti
Title
Senior Vice President/CFO
Phone
4015532251
Signed
2024-05-06

Organization Details

Principal Officer
David B Suvall
Formed
1946
Legal Domicile
Ri
Voting Board Members
9
Independent Board Members
0
Employees
80
Volunteers
9
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Amount reported is net of OCI from pension reserves of 400,336 and a one time permitted adjustment to adopt new accounting for Current Expected Credit Losses CECL of 700,000”

Raw XML AppendixShowing 400 of 669 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/BOYAmt05820856
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt05035283
IRS990/AccountsReceivableGrp/BOYAmt0280452058
IRS990/AccountsReceivableGrp/EOYAmt0281868433
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Rhode Island Credit Union Provides financial services to members
IRS990/AdvertisingGrp/TotalAmt0297145
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Dana R Taglianetti
IRS990/BooksInCareOfDetail/PhoneNum04017517440
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0160 Francis Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Providence
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0RI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002903
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02014478
IRS990/CashNonInterestBearingGrp/EOYAmt01712449
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01721424
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt09345512
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt016616393
IRS990/CYRevenuesLessExpensesAmt0-72520
IRS990/CYSalariesCompEmpBnftPaidAmt07343401
IRS990/CYTotalExpensesAmt016688913
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt016616393
IRS990/DecisionsSubjectToApprovaInd01
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IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0668179
IRS990/Desc0The Credit Union provides financial services to its members
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt080
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/ExpenseAmt016688913
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt072375
IRS990/FeesForServicesLegalGrp/TotalAmt0317771
IRS990/FeesForServicesLobbyingGrp/TotalAmt038447
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt175
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd5X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd6X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd7X
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IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/OfficerInd3X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt150
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt160
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt170
IRS990/Form990PartVIISectionAGrp/PersonNm0David B Suvall
IRS990/Form990PartVIISectionAGrp/PersonNm1Nancy L Zeppa
IRS990/Form990PartVIISectionAGrp/PersonNm2Dana R Taglianetti
IRS990/Form990PartVIISectionAGrp/PersonNm3Maureen Jendzejec
IRS990/Form990PartVIISectionAGrp/PersonNm4John Morawski
IRS990/Form990PartVIISectionAGrp/PersonNm5Gina M DePalo
IRS990/Form990PartVIISectionAGrp/PersonNm6David Marsella
IRS990/Form990PartVIISectionAGrp/PersonNm7Louis Votta
IRS990/Form990PartVIISectionAGrp/PersonNm8Jane F Correia
IRS990/Form990PartVIISectionAGrp/PersonNm9Ernest A DeAngelis
IRS990/Form990PartVIISectionAGrp/PersonNm10Dennis Tripodi
IRS990/Form990PartVIISectionAGrp/PersonNm11Roger Pincince
IRS990/Form990PartVIISectionAGrp/PersonNm12Robert E Christie
IRS990/Form990PartVIISectionAGrp/PersonNm13Leroy RoseJe
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IRS990/Form990PartVIISectionAGrp/PersonNm15Joseph Durand
IRS990/Form990PartVIISectionAGrp/PersonNm16Robert P Gemma
IRS990/Form990PartVIISectionAGrp/PersonNm17Henry Godin Jr
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