Liabilities / Assets
50th percentile
Higher debt load relative to assets than 50% of similar nonprofits.
EIN 23-7209589 • 501(c)14 • Vienna, IL
Profile
River to river credit union is a member owned financial institution dedicated to providing a wide range of products and services in a friendly atmosphere while maintaining long term financial stability.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
50th percentile
Higher debt load relative to assets than 50% of similar nonprofits.
Liabilities / Revenue
34th percentile
Higher debt load relative to revenue than 34% of similar nonprofits.
Net Margin
98th percentile
Higher net margin than 98% of similar nonprofits.
Top Officer Pay
Score unavailable
No filing with officer rows is available for this organization yet.
Asset Growth
57th percentile
Faster asset growth than 57% of similar nonprofits.
Revenue Growth
80th percentile
Faster revenue growth than 80% of similar nonprofits.
Assets
Up$26,722,239
Up $1,038,385 (+4.0%) from 2023
Liabilities
Up$23,436,745
Up $427,321 (+1.9%) from 2023
Net Assets
Up$3,285,494
Up $611,064 (+23%) from 2023
Revenue
Up$1,515,333
Up $298,739 (+25%) from 2023
Expenses
Up$904,269
Up $89,195 (+11%) from 2023
Net Income
Up$611,064
Up $209,544 (+52%) from 2023
Most recent year
2024 • Form 990Detailed filing. Detailed filing data is available for this year.
River to river credit union is a member owned financial institution dedicated to providing a wide range of products and services in a friendly atmosphere while maintaining long term financial stability.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $12,120,517 | $13,350,917 | ▲ $1,230,400 |
| Savings and Temporary Cash Investments | $12,480,819 | $12,384,774 | ▼ $96,045 |
| Rtn Earn Endowment Incm Other Fnds | $2,674,430 | $3,285,494 | ▲ $611,064 |
| Cash and Non-Interest-Bearing Accounts | $566,468 | $467,748 | ▼ $98,720 |
| Land, Buildings, and Equipment, Net | $213,128 | $216,028 | ▲ $2,900 |
| Prepaid Expenses and Deferred Charges | $14,473 | $14,691 | ▲ $218 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $25,683,854 | $26,722,239 | ▲ $1,038,385 |
| Other Assets Total | $288,449 | $288,081 | ▼ $368 |
| Liabilities | |||
| Other Liabilities | $22,969,375 | $23,381,186 | ▲ $411,811 |
| Accounts Payable and Accrued Expenses | $40,049 | $55,559 | ▲ $15,510 |
| Total Liabilities | $23,009,424 | $23,436,745 | ▲ $427,321 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,674,430 | $3,285,494 | ▲ $611,064 |
| Total Liabilities and Net Assets / Fund Balance | $25,683,854 | $26,722,239 | ▲ $1,038,385 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $21,570 | $670,684 | $692,254 |
| Buildings | $179,458 | $328,487 | $507,945 |
| Land | $15,000 | - | $15,000 |
| Name | Title | Full / Part Time | Base | Total |
|---|---|---|---|---|
| Steven Sanders | President/CEO | FT | $103,330 | $103,330 |
| Name | Title |
|---|---|
| Larry Mcgill | Chairman |
| Kenneth Wiggs | Vice Chairman |
| Jeff Dennison | Director |
| Haley Perzee | Director/supervisory Commi |
| James Bailey | Director/supervisory Commi |
| Jeannie Housewright | Director/supervisory Commi |
| Betty Heaton | Secretary |
| Sheila Reichert | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $556,037 |
| Salaries, Compensation, and Employee Benefits | $348,232 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $184,452 |
| Other Salaries and Wages | - | - | - | $183,083 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $103,330 |
| Fees for Services Other | - | - | - | $98,068 |
| Fees for Services Accounting | - | - | - | $30,844 |
| Depreciation Depletion | - | - | - | $30,137 |
| Occupancy | - | - | - | $28,772 |
| Payroll Taxes | - | - | - | $24,938 |
| Insurance | - | - | - | $23,596 |
| Other Employee Benefits | - | - | - | $23,242 |
| Pension Plan Contributions | - | - | - | $13,639 |
| Other Expenses | - | - | - | $10,144 |
| All Other Expenses | - | - | - | $4,871 |
| Conferences and Meetings | - | - | - | $3,330 |
| Fees for Services Legal | - | - | - | $2,270 |
| Advertising | - | - | - | $105 |
| Total Functional Expenses | $0 | $0 | $0 | $904,269 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Interested Party | Relationship | Description | Shared Revenue | Amount |
|---|---|---|---|---|
| Cynthia Waters Teller | Sister of Kenneth Wiggs, Board Vice Chairman | Compensation | No | $1,888 |
| Jamie Kerley | Spouse of Shannon Kerley, Vp | Mowing Services | No | $1,760 |
| Liability | Amount |
|---|---|
| Member Share Deposits | $23,381,186 |
“On february 28, 2024 the bylaws were amended. The number of directors was reduced from 11 to 9.”
“The credit union is mutually owned by members.”
“The board of directors are elected by the credit union members.”
“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”
“The form 990 is reviewed by credit union management and approved by the board of directors.”
“On an annual basis, the president, directors, and committee members are required to review the conflict of interest policy, disclose any interests that could give rise to conflicts, and submit a signed statement to that effect. These statements are maintained on file at the credit union.”
“The personnel commmittee meets, reviews icul compensation data, and makes recommendations to the board of directors for their approval. Deliberations and decisions are documented in the minutes.”
“Financial statements are posted in the credit union, presented at the annual meeting, and are available upon request. In addition,the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”
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/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/BOYAmt | 0 | 40049 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 55559 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | RIVER TO RIVER CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION DEDICATED TO PROVIDING A WIDE RANGE OF PRODUCTS AND SERVICES IN A FRIENDLY ATMOSPHERE WHILE MAINTAINING LONG TERM FINANCIAL STABILITY. |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 105 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 4871 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | STEVEN SANDERS |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 6186588312 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 1895 STATE ROUTE 146 EAST |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | VIENNA |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 629952850 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 1 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 566468 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 467748 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 1 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 103330 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 3330 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 0 |
| IRS990/CreditCounselingInd | 0 | 0 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 0 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 448449 |
| IRS990/CYOtherExpensesAmt | 0 | 556037 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1066884 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 611064 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 348232 |
| IRS990/CYTotalExpensesAmt | 0 | 904269 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1515333 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 30137 |
| IRS990/Desc | 0 | PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 2,371 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 7 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 0 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 30844 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 2270 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 98068 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 40.00 |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 6 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 7 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 8 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | LARRY MCGILL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | KENNETH WIGGS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | SHEILA REICHERT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | BETTY HEATON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | HALEY PERZEE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JEANNIE HOUSEWRIGHT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | JAMES BAILEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | JEFF DENNISON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | STEVEN SANDERS |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 103330 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | VICE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR/SUPERVISORY COMMI |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR/SUPERVISORY COMMI |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR/SUPERVISORY COMMI |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | PRESIDENT/CEO |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/Form990TFiledInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1972 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedInd | 0 | 0 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 9 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1515333 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 8 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 1 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 23596 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 448449 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 448449 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 767 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 999171 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 213128 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 216028 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1215199 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | RIVER TO RIVER CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION DEDICATED TO PROVIDING A WIDE RANGE OF PRODUCTS AND SERVICES IN A FRIENDLY ATMOSPHERE WHILE MAINTAINING LONG TERM FINANCIAL STABILITY. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2674430 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 3285494 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 28772 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 184452 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowFASB117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 288449 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 288081 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 23242 |
| IRS990/OtherExpensesGrp/Desc | 0 | MEMBER DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 1 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 2 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/Desc | 3 | ASSOCIATION DUES |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 81029 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 46446 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 11973 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 10144 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 22969375 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 23381186 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 183083 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 12120517 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 13350917 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 24938 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 13639 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 14473 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 14691 |
| IRS990/PrincipalOfficerNm | 0 | STEVEN SANDERS |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES & OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 854990 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 210566 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 854990 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 211894 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 1328 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 1,070 LOANS OUTSTANDING TOTALING $13,413,797. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $81,029 FOR THE YEAR. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 356786 |
| IRS990/PYOtherExpensesAmt | 0 | 477146 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 859808 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 401520 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 337928 |
| IRS990/PYTotalExpensesAmt | 0 | 815074 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1216594 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 611064 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 0 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 1 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 1 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt | 0 | 2674430 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 3285494 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 12480819 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 12384774 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 179458 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 328487 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 507945 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 21570 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 670684 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 692254 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 15000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 15000 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 23381186 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE DEPOSITS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 216028 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 23381186 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 0 | CYNTHIA WATERS TELLER |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/NameOfInterested/PersonNm | 1 | JAMIE KERLEY |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 0 | SISTER OF KENNETH WIGGS, BOARD VICE CHAIRMAN |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt | 1 | SPOUSE OF SHANNON KERLEY, VP |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 0 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd | 1 | 0 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt | 0 | 1888 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt | 1 | 1760 |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 0 | COMPENSATION |
| IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc | 1 | MOWING SERVICES |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | ON FEBRUARY 28, 2024 THE BYLAWS WERE AMENDED. THE NUMBER OF DIRECTORS WAS REDUCED FROM 11 TO 9. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | THE FORM 990 IS REVIEWED BY CREDIT UNION MANAGEMENT AND APPROVED BY THE BOARD OF DIRECTORS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | ON AN ANNUAL BASIS, THE PRESIDENT, DIRECTORS, AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | THE PERSONNEL COMMMITTEE MEETS, REVIEWS ICUL COMPENSATION DATA, AND MAKES RECOMMENDATIONS TO THE BOARD OF DIRECTORS FOR THEIR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION,THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | FORM 990, PART VI, SECTION C, LINE 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToExcsTaxNetInvstIncInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/SubjToTaxRmnrtnExPrchtPymtInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 25683854 |
| IRS990/TotalAssetsEOYAmt | 0 | 26722239 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 25683854 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 26722239 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 7 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 904269 |
| IRS990/TotalGrossUBIAmt | 0 | 1328 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 23009424 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 23436745 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 23009424 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 23436745 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2674430 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 3285494 |
| IRS990/TotalOtherCompensationAmt | 0 | 0 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1066884 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 103330 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1514005 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1515333 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 1328 |
| IRS990/TotalVolunteersCnt | 0 | 8 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 25683854 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 26722239 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 1895 STATE ROUTE 146 EAST |
| IRS990/USAddress/CityNm | 0 | VIENNA |
| IRS990/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/USAddress/ZIPCd | 0 | 629952850 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 9 |
| IRS990/VotingMembersIndependentCnt | 0 | 8 |
| IRS990/WebsiteAddressTxt | 0 | R2RCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | STEVEN SANDERS |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT/CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6186588312 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-07-23 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | RIVER TO RIVER CREDIT UNION |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | RIVE |
| ReturnHeader/Filer/EIN | 0 | 237209589 |
| ReturnHeader/Filer/PhoneNum | 0 | 6186588312 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 516 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | VIENNA |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 629950516 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 0 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 810781371 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | J TENBRINK & ASSOCIATES |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 11272 S RIDGEVIEW RD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | OLATHE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | KS |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 660616454 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 9138946214 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-07-22 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | GERALD TENBRINK |
| ReturnHeader/ReturnTs | 0 | 2025-07-23T05:43:53-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
No mirrored PDF or thumbnail assets are attached yet.