Civic Intelligence

Rhode Island Credit Union

990 • Fiscal year 2013 • EIN 05-0252335

Jan 01, 2013 to Dec 31, 2013 • Filed on May 01, 2014

Organization Profilewww.ricreditunion.org

View Organization Page

160 Francis StreetWarwick, RI 02903-1118

(401) 751-7440

Siviq Scores

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

Liabilities / Assets

49th percentile

0.90x

Higher debt load relative to assets than 49% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Liabilities / Revenue

75th percentile

20.96x

Higher debt load relative to revenue than 75% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Net Margin

6th percentile

-1.9%

Higher net margin than 6% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Top Officer Pay

52nd percentile

$191,518

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2013

Asset Growth

44th percentile

2.3%

Faster asset growth than 44% of similar nonprofits.

2013 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$241,890,580

Up $5,390,364 (+2.3%) from 2012

Net Assets

Up

$25,348,077

Up $265,488 (+1.1%) from 2012

Liabilities

Up

$216,542,503

Up $5,124,876 (+2.4%) from 2012

Revenue And Expenses
Liabilities / Revenue75th percentileNet Margin6th percentile

Revenue

$10,329,344

No earlier filing loaded for comparison.

Expenses

Up

$10,522,215

Up $976 (+0.0%) from 2012

Net Income

-$192,871

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth44th percentile

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

$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

2013

Assets$241,890,580
Liabilities$216,542,503
Net Assets$25,348,077
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

2013

Revenue$10,329,344
Expenses$10,522,215
Net Income-$192,871
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 1, 2014
Return Version
2013v3.0
Gross Receipts
$10,329,344
Mission and Program Overview

Mission

Rhode Island Credit Union provides financial services to members

Rhode Island Credit Union provides financial services to its members

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$122,280,510$143,548,840▲ $21,268,330
Savings and Temporary Cash Investments$104,483,522$87,760,156▼ $16,723,366
Rtn Earn Endowment Incm Other Fnds$25,082,589$25,348,077▲ $265,488
Land, Buildings, and Equipment, Net$3,832,794$3,657,346▼ $175,448
Cash and Non-Interest-Bearing Accounts$2,061,271$2,130,470▲ $69,199
Prepaid Expenses and Deferred Charges$792,719$976,178▲ $183,459
Investments in Publicly Traded Securities$257,031$420,738▲ $163,707
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$236,500,216$241,890,580▲ $5,390,364
Other Assets Total$2,792,369$3,396,852▲ $604,483
Liabilities
Other Liabilities$207,307,235$213,289,873▲ $5,982,638
Accounts Payable and Accrued Expenses$4,110,392$3,252,630▼ $857,762
Total Liabilities$211,417,627$216,542,503▲ $5,124,876
Net Assets / Fund Balance
Total Net Assets Fund Balance$25,082,589$25,348,077▲ $265,488
Total Liabilities and Net Assets / Fund Balance$236,500,216$241,890,580▲ $5,390,364

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,058,874$1,708,109$0
Other Land Buildings$0$0$0
Land$225,593-$0
Equipment$358,617$4,012,466$0
Leasehold Improvements$14,262$656,009$0
Compensation and Service Providers
Top Officer Pay52nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David B SuvallPresident/CEOFT$151,440$40,078$191,518
Nancy L ZeppaExecutive Vice President/COOFT$126,397$39,699$166,096
Terry L BensonVice President/CreditFT$109,706$22,532$132,238
Dana R TaglianettiVice President/ ControllerFT$92,266$19,347$111,613
Paul V ValliereBoard ChairPT$20,400-$20,400
Ernest A DeAngelisDirector - Asst TreasurerPT$18,000-$18,000
Frank R Walker IIIDirectorPT$18,000-$18,000
Herve Champagne JrDirectorPT$18,000-$18,000
Milton H BronsteinDirectorPT$18,000-$18,000
R Gary ClarkDirectorPT$18,000-$18,000
Robert P GemmaDirector -SecretaryPT$18,000-$18,000
Paul V FilipponeDirector - TreasurerPT$16,300-$16,300
Beverly A DwyerDirectorPT$15,100-$15,100
Henry A GodinDirectorPT$14,175-$14,175
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,329,344
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-192,871

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,329,344
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Other Revenue Adjustments
$0
Total Revenue per Audited Statements
$10,329,344
Total Revenue per Form 990
$10,329,344
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$5,312,577
Other Expenses$5,209,638
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,718,092
Other Employee Benefits---$1,263,832
Office Expenses---$1,025,609
Current Officers, Directors, Trustees, and Key Employees---$775,440
Occupancy---$741,713
Other Expenses---$634,207
Interest---$490,054
Depreciation Depletion---$313,337
Payroll Taxes---$304,745
Pension Plan Contributions---$250,468
Advertising---$238,831
Fees for Services Accounting---$53,238
Travel---$40,257
Fees for Services Legal---$39,493
Total Functional Expenses$0$0$0$10,522,215

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$10,522,215
Total Expenses per Audited Statements$10,522,215
Total Expenses per Form 990$10,522,215
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
Total Deposit Accounts$213,289,873
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 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

“All members of the Credit Union are considered shareholders”

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

“Members elect the governong body”

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

“Changes to the bylaws require approval from credit union members”

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 attest in writing that they have no conflict of interest”

Form 990, Part VI, Section B, Line 15

“All salaries for senior management are reviewed via comparitive data”

Form 990, Part VI, Section C, Line 19

“All are available upon request”

Filing and Contact Details

Filer

EIN
05-0252335
Phone
4017517440

Signing Officer

Name
Dana Taglianetti
Title
VP/controller
Phone
4015532251
Signed
2014-05-01

Organization Details

Principal Officer
David B Suvall
Formed
1946
Legal Domicile
Ri
Voting Board Members
10
Independent Board Members
10
Employees
78
Volunteers
13
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“This amount reflects the change in pension liability”

Raw XML AppendixShowing 400 of 541 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/BOYAmt04110392
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt03252630
IRS990/AccountsReceivableGrp/BOYAmt0122280510
IRS990/AccountsReceivableGrp/EOYAmt0143548840
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Rhode Island Credit Union provides financial services to its members
IRS990/AdvertisingGrp/TotalAmt0238831
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Dana R Taglianetti
IRS990/BooksInCareOfDetail/PhoneNum04017517440
IRS990/BooksInCareOfDetail/USAddress/AddressLine10160 Francis Street
IRS990/BooksInCareOfDetail/USAddress/City0Providence
IRS990/BooksInCareOfDetail/USAddress/State0RI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode0029031118
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02061271
IRS990/CashNonInterestBearingGrp/EOYAmt02130470
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0775440
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt00
IRS990/CYOtherExpensesAmt05209638
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt010329344
IRS990/CYRevenuesLessExpensesAmt0-192871
IRS990/CYSalariesCompEmpBnftPaidAmt05312577
IRS990/CYTotalExpensesAmt010522215
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt010329344
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0313337
IRS990/Desc0The Credit Union provides financial services to its members
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt078
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt053238
IRS990/FeesForServicesLegalGrp/TotalAmt039493
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/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt020
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt120
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt220
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt320
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt420
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt520
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt620
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt720
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt820
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt920
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1140
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1340
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd3X
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/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1040078
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1139699
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1222532
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1319347
IRS990/Form990PartVIISectionAGrp/PersonNm0Frank R Walker III
IRS990/Form990PartVIISectionAGrp/PersonNm1Henry A Godin
IRS990/Form990PartVIISectionAGrp/PersonNm2Paul V Valliere
IRS990/Form990PartVIISectionAGrp/PersonNm3R Gary Clark
IRS990/Form990PartVIISectionAGrp/PersonNm4Paul V Filippone
IRS990/Form990PartVIISectionAGrp/PersonNm5Milton H Bronstein
IRS990/Form990PartVIISectionAGrp/PersonNm6Beverly A Dwyer
IRS990/Form990PartVIISectionAGrp/PersonNm7Herve Champagne Jr
IRS990/Form990PartVIISectionAGrp/PersonNm8Ernest A DeAngelis
IRS990/Form990PartVIISectionAGrp/PersonNm9Robert P Gemma
IRS990/Form990PartVIISectionAGrp/PersonNm10David B Suvall
IRS990/Form990PartVIISectionAGrp/PersonNm11Nancy L Zeppa
IRS990/Form990PartVIISectionAGrp/PersonNm12Terry L Benson
IRS990/Form990PartVIISectionAGrp/PersonNm13Dana R Taglianetti
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt018000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt114175
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt220400
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt318000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt416300
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt518000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt615100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt718000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt818000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt918000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10151440
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11126397
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt12109706
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1392266
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director - Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director - Asst Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director -Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt10President/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11Executive Vice President/COO
IRS990/Form990PartVIISectionAGrp/TitleTxt12Vice President/Credit
IRS990/Form990PartVIISectionAGrp/TitleTxt13Vice President/ Controller
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01946
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt010329344
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd01
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt03
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt00
IRS990/InterestGrp/TotalAmt0490054
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt00
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsPubTradedSecGrp/BOYAmt0257031
IRS990/InvestmentsPubTradedSecGrp/EOYAmt0420738
IRS990/IRPDocumentCnt028
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt06376584
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03832794
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03657346
IRS990/LandBldgEquipCostOrOtherBssAmt010033930
IRS990/LegalDomicileStateCd0RI
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Rhode Island Credit Union provides financial services to members
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt025082589
IRS990/NetAssetsOrFundBalancesEOYAmt025348077
IRS990/NetUnrelatedBusTxblIncmAmt0125238
IRS990/NetUnrlzdGainsLossesInvstAmt0-40916
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0741713
IRS990/OfficeExpensesGrp/TotalAmt01025609
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02792369
IRS990/OtherAssetsTotalGrp/EOYAmt03396852
IRS990/OtherChangesInNetAssetsAmt0499275
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01263832
IRS990/OtherExpensesGrp/Desc0Loan Expense/loan loss/VISA/ATM
IRS990/OtherExpensesGrp/Desc1NCUA Expense
IRS990/OtherExpensesGrp/Desc2Bank Charges
IRS990/OtherExpensesGrp/Desc3Miscellaneous
IRS990/OtherExpensesGrp/TotalAmt01316353
IRS990/OtherExpensesGrp/TotalAmt1171498
IRS990/OtherExpensesGrp/TotalAmt2145048
IRS990/OtherExpensesGrp/TotalAmt3634207
IRS990/OtherLiabilitiesGrp/BOYAmt0207307235
IRS990/OtherLiabilitiesGrp/EOYAmt0213289873
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt02718092
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt00
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt0304745
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0250468
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0792719
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0976178
IRS990/PrincipalOfficerNm0David B Suvall
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0524298
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/Desc0Sales of Insurance
IRS990/ProgramServiceRevenueGrp/Desc1Income from Loans
IRS990/ProgramServiceRevenueGrp/Desc2Investment Income
IRS990/ProgramServiceRevenueGrp/Desc3Other Service Fees and Charges
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt16579609
IRS990/ProgramServiceRevenueGrp/ExclusionAmt2922855
IRS990/ProgramServiceRevenueGrp/ExclusionAmt32701642
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt30
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0125238
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt16579609
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2922855
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt32701642
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0125238
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt04987327
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt09800383
IRS990/PYRevenuesLessExpensesAmt0-720856
IRS990/PYSalariesCompEmpBnftPaidAmt05533912
IRS990/PYTotalExpensesAmt010521239
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt09800383
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-192871
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
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/BOYAmt025082589
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt025348077
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0104483522
IRS990/SavingsAndTempCashInvstGrp/EOYAmt087760156
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt03058874
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01708109
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt04766983
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/DonatedServicesAndUseFcltsAmt00
IRS990ScheduleD/DonatedServicesUseFcltsAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0358617
IRS990ScheduleD/EquipmentGrp/DepreciationAmt04012466
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt04371083
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt010522215
IRS990ScheduleD/InvestmentExpensesNotIncld2Amt00
IRS990ScheduleD/InvestmentExpensesNotIncldAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0225593
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0225593
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt014262
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0656009
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt0670271
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LossesReportedAmt00
IRS990ScheduleD/NetUnrealizedGainsInvstAmt00
IRS990ScheduleD/OtherExpensesIncludedAmt00
IRS990ScheduleD/OtherExpensesNotIncludedAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0213289873
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0TOTAL DEPOSIT ACCOUNTS
IRS990ScheduleD/OtherRevenueAmt00
IRS990ScheduleD/OtherRevenuesNotIncludedAmt00
IRS990ScheduleD/PriorYearAdjustmentsAmt00
IRS990ScheduleD/RecoveriesPriorYearGrantsAmt00
IRS990ScheduleD/RevenueNotReportedAmt00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$241,890,580
Liabilities
$216,542,503
Net assets
$25,348,077
Revenue
$10,329,344
Expenses
$10,522,215
Net income
-$192,871
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