Civic Intelligence

River to River Credit Union

990 • Fiscal year 2012 • EIN 23-7209589

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 10, 2013

Organization ProfileWWW.R2RCU.COM

View Organization Page

PO Box 51662995-0516
Siviq Scores

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

Liabilities / Assets

91st percentile

0.92x

Higher debt load relative to assets than 91% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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

83rd percentile

9.2%

Faster asset growth than 83% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M 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 / Assets91st percentile

Assets

Up

$15,315,487

Up $1,293,976 (+9.2%) from 2011

Net Assets

Up

$1,195,710

Up $60,765 (+5.4%) from 2011

Liabilities

Up

$14,119,777

Up $1,233,211 (+9.6%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$594,835

Down $23,775 (-3.8%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$30M$20M$10M$0Assets 2010: $12,200,295Liabilities 2010: $11,122,908Net Assets 2010: $1,077,3872010Assets 2011: $14,021,511Liabilities 2011: $12,886,566Net Assets 2011: $1,134,9452011Assets 2012: $15,315,487Liabilities 2012: $14,119,777Net Assets 2012: $1,195,7102012Assets 2013: $15,881,081Liabilities 2013: $14,631,061Net Assets 2013: $1,250,0202013Assets 2014: $16,571,548Liabilities 2014: $15,250,197Net Assets 2014: $1,321,3512014Assets 2015: $17,645,790Liabilities 2015: $16,254,082Net Assets 2015: $1,391,7082015Assets 2016: $17,880,771Liabilities 2016: $16,426,306Net Assets 2016: $1,454,4652016Assets 2017: $18,259,164Liabilities 2017: $16,741,446Net Assets 2017: $1,517,7182017Assets 2018: $18,064,102Liabilities 2018: $16,401,025Net Assets 2018: $1,663,0772018Assets 2019: $19,691,395Liabilities 2019: $17,875,566Net Assets 2019: $1,815,8292019Assets 2020: $23,420,972Liabilities 2020: $21,425,330Net Assets 2020: $1,995,6422020Assets 2021: $26,266,190Liabilities 2021: $24,140,644Net Assets 2021: $2,125,5462021Assets 2022: $26,885,610Liabilities 2022: $24,612,700Net Assets 2022: $2,272,9102022Assets 2023: $25,683,854Liabilities 2023: $23,009,424Net Assets 2023: $2,674,4302023Assets 2024: $26,722,239Liabilities 2024: $23,436,745Net Assets 2024: $3,285,4942024

Highlighted filing

2012

Assets$15,315,487
Liabilities$14,119,777
Net Assets$1,195,710
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $668,4812010Expenses 2011: $618,6102011Expenses 2012: $594,8352012Revenue 2013: $652,434Expenses 2013: $598,124Net Income 2013: $54,3102013Revenue 2014: $637,150Expenses 2014: $565,819Net Income 2014: $71,3312014Revenue 2015: $636,748Expenses 2015: $566,391Net Income 2015: $70,3572015Revenue 2016: $682,219Expenses 2016: $619,462Net Income 2016: $62,7572016Revenue 2017: $709,586Expenses 2017: $646,333Net Income 2017: $63,2532017Revenue 2018: $831,952Expenses 2018: $686,593Net Income 2018: $145,3592018Revenue 2019: $892,692Expenses 2019: $739,940Net Income 2019: $152,7522019Revenue 2020: $827,659Expenses 2020: $647,846Net Income 2020: $179,8132020Revenue 2021: $795,583Expenses 2021: $660,671Net Income 2021: $134,9122021Revenue 2022: $856,264Expenses 2022: $708,900Net Income 2022: $147,3642022Revenue 2023: $1,216,594Expenses 2023: $815,074Net Income 2023: $401,5202023Revenue 2024: $1,515,333Expenses 2024: $904,269Net Income 2024: $611,0642024

Highlighted filing

2012

Revenue-
Expenses$594,835
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 10, 2013
Return Version
2012v2.1
Gross Receipts
$655,600
Mission and Program Overview

Mission

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.

Major Activities

Activity 2
Provides a source of credit to members at a fair and reasonable rate of interest. As of december 31, 2012, there were 889 loans outstanding totaling $7,690,103.
Activity 3
Paid dividends on member deposits totaling $80,403 for the year.
Filing and Contact Details

Filer

EIN
23-7209589
Raw XML Appendix361 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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IRS990/Activity2/Description0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2012, THERE WERE 889 LOANS OUTSTANDING TOTALING $7,690,103.
IRS990/Activity3/Description0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $80,403 FOR THE YEAR.
IRS990/ActivityOrMissionDescription0RIVER 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.
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation2SIGNIFICANT CHANGES SUCH AS CHANGES TO BYLAWS AND MERGERS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation3MANAGEMENT REVIEWS THE FORM 990 PREPARED BY THE OUTSIDE ACCOUNTING FIRM BEFORE FILING.
IRS990ScheduleO/GeneralExplanation/Explanation4ON 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/GeneralExplanation/Explanation5THE 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/GeneralExplanation/Explanation6FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION LOBBY, 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/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 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
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ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0237209589
ReturnHeader/Filer/Name/BusinessNameLine10RIVER TO RIVER CREDIT UNION
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ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-04-10
ReturnHeader/Officer/Name0SHEILA REICHERT
ReturnHeader/Officer/Phone06186588312
ReturnHeader/Officer/Title0PRESIDENT/CEO
ReturnHeader/PreparerFirm/EIN0431887384
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10STEPHEN LANG & ASSOCIATES LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1014323 S OUTER 40 STE N205
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0CHESTERFIELD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0MO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode063017
ReturnHeader/Preparer/Phone03142058601
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-04-10T12:48:48-05:00

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No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$15,315,487
Liabilities
$14,119,777
Net assets
$1,195,710
Revenue
-
Expenses
$594,835
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$26.7$23.4$3.29$1.52$0.90$0.61
2023Detailed filing. Detailed filing data is available for this year.$25.7$23.0$2.67$1.22$0.82$0.40
2022Detailed filing. Detailed filing data is available for this year.$26.9$24.6$2.27$0.86$0.71$0.15
2021Detailed filing. Detailed filing data is available for this year.$26.3$24.1$2.13$0.80$0.66$0.13
2020Detailed filing. Detailed filing data is available for this year.$23.4$21.4$2.00$0.83$0.65$0.18
2019Detailed filing. Detailed filing data is available for this year.$19.7$17.9$1.82$0.89$0.74$0.15
2018Detailed filing. Detailed filing data is available for this year.$18.1$16.4$1.66$0.83$0.69$0.15
2017Detailed filing. Detailed filing data is available for this year.$18.3$16.7$1.52$0.71$0.65$0.06
2016Detailed filing. Detailed filing data is available for this year.$17.9$16.4$1.45$0.68$0.62$0.06
2015Detailed filing. Detailed filing data is available for this year.$17.6$16.3$1.39$0.64$0.57$0.07
2014Detailed filing. Detailed filing data is available for this year.$16.6$15.3$1.32$0.64$0.57$0.07
2013Detailed filing. Detailed filing data is available for this year.$15.9$14.6$1.25$0.65$0.60$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.3$14.1$1.20$0.59
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.0$12.9$1.13$0.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.2$11.1$1.08$0.67