Liabilities / Assets
83rd percentile
Higher debt load relative to assets than 83% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
83rd percentile
Higher debt load relative to assets than 83% of similar nonprofits.
Liabilities / Revenue
60th percentile
Higher debt load relative to revenue than 60% of similar nonprofits.
Net Margin
78th percentile
Higher net margin than 78% of similar nonprofits.
Top Officer Pay
83rd percentile
Higher top officer pay than 83% of similar nonprofits.
Top officer pay equals 12.4% of source-year revenue.
Asset Growth
41st percentile
Faster asset growth than 41% of similar nonprofits.
Revenue Growth
88th percentile
Faster revenue growth than 88% of similar nonprofits.
Assets
Down$18,064,102
Down $195,062 (-1.1%) from 2017
Net Assets
Up$1,663,077
Up $145,359 (+9.6%) from 2017
Liabilities
Down$16,401,025
Down $340,421 (-2.0%) from 2017
Revenue
Up$831,952
Up $122,366 (+17%) from 2017
Expenses
Up$686,593
Up $40,260 (+6.2%) from 2017
Net Income
Up$145,359
Up $82,106 (+130%) from 2017
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 | $8,852,663 | $9,436,534 | ▲ $583,871 |
| Savings and Temporary Cash Investments | $8,293,185 | $7,582,142 | ▼ $711,043 |
| Rtn Earn Endowment Incm Other Fnds | $1,517,718 | $1,663,077 | ▲ $145,359 |
| Cash and Non-Interest-Bearing Accounts | $575,795 | $517,788 | ▼ $58,007 |
| Land, Buildings, and Equipment, Net | $310,013 | $289,633 | ▼ $20,380 |
| Prepaid Expenses and Deferred Charges | $15,879 | $15,697 | ▼ $182 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $18,259,164 | $18,064,102 | ▼ $195,062 |
| Other Assets Total | $211,629 | $222,308 | ▲ $10,679 |
| Liabilities | |||
| Other Liabilities | $16,707,260 | $16,367,928 | ▼ $339,332 |
| Accounts Payable and Accrued Expenses | $34,186 | $33,097 | ▼ $1,089 |
| Total Liabilities | $16,741,446 | $16,401,025 | ▼ $340,421 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $1,517,718 | $1,663,077 | ▲ $145,359 |
| Total Liabilities and Net Assets / Fund Balance | $18,259,164 | $18,064,102 | ▼ $195,062 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Equipment | $48,020 | $559,054 | $607,074 |
| Buildings | $226,613 | $247,034 | $473,647 |
| Land | $15,000 | - | $15,000 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Sheila Reichert | President/CEO/director | FT | $87,619 | $15,879 | $103,498 |
| Name | Title |
|---|---|
| Larry Mcgill | Chairman |
| James Bailey | Director/supervisory Committee Chairman |
| Kenneth Wiggs | Vice Chairman |
| Chris Taylor | Director |
| Haley Perzee | Director |
| Jeannie Housewright | Director |
| Patty Bundren | Director |
| Peter Ryan | Director |
| Kevin Dowdy | Director/supervisory Committee |
| Betty Heaton | Secretary |
| Sharon Robbs | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $397,381 |
| Salaries, Compensation, and Employee Benefits | $289,212 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | - | - | - | $145,731 |
| Office Expenses | - | - | - | $137,819 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $103,498 |
| Fees for Services Other | - | - | - | $65,117 |
| Depreciation Depletion | - | - | - | $32,897 |
| Occupancy | - | - | - | $24,954 |
| Payroll Taxes | - | - | - | $19,666 |
| Fees for Services Accounting | - | - | - | $18,882 |
| Insurance | - | - | - | $17,415 |
| Other Employee Benefits | - | - | - | $12,256 |
| Other Expenses | - | - | - | $8,236 |
| Pension Plan Contributions | - | - | - | $8,061 |
| All Other Expenses | - | - | - | $7,893 |
| Conferences and Meetings | - | - | - | $5,362 |
| Advertising | - | - | - | $2,205 |
| Fees for Services Legal | - | - | - | $1,047 |
| Travel | - | - | - | $40 |
| Total Functional Expenses | $0 | $0 | $0 | $686,593 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Liability | Amount |
|---|---|
| Member Share Deposits | $16,367,928 |
“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 the board of directors before filing.”
“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.”
“The ncua website posts financial information as part of the quarterly call reports. Financial statements and 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 | 34186 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 33097 |
| 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 | 2205 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 7893 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | SHEILA REICHERT |
| 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/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOfficerEntInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt | 0 | 0 |
| IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 575795 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 517788 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 103498 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 5362 |
| 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 | 108265 |
| IRS990/CYOtherExpensesAmt | 0 | 397381 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 723687 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 145359 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 289212 |
| IRS990/CYTotalExpensesAmt | 0 | 686593 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 831952 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 32897 |
| IRS990/Desc | 0 | PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 2,326 MEMBERS. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 0 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 9 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 18882 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 1047 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 65117 |
| 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 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 10 | 0.50 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 11 | 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/IndividualTrusteeOrDirectorInd | 9 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 10 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 11 | 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/OtherCompensationAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 11 | 15879 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | LARRY MCGILL |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | KENNETH WIGGS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | SHARON ROBBS |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | BETTY HEATON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | HALEY PERZEE |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | JEANNIE HOUSEWRIGHT |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | PETER RYAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | PATTY BUNDREN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | JAMES BAILEY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | KEVIN DOWDY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 10 | CHRIS TAYLOR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 11 | SHEILA REICHERT |
| 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 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 11 | 87619 |
| 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/ReportableCompFromRltdOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 10 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 11 | 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 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | DIRECTOR/SUPERVISORY COMMITTEE CHAIRMAN |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | DIRECTOR/SUPERVISORY COMMITTEE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 10 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 11 | PRESIDENT/CEO/DIRECTOR |
| 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 | 11 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 831952 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 0 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 0 |
| IRS990/IndependentVotingMemberCnt | 0 | 11 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InsuranceGrp/TotalAmt | 0 | 17415 |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 108265 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 108265 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 297 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 806088 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 310013 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 289633 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 1095721 |
| 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 | 1517718 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 1663077 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | -5972 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 24954 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 137819 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 211629 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 222308 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 12256 |
| IRS990/OtherExpensesGrp/Desc | 0 | PROVISION FOR LOAN LOSS |
| IRS990/OtherExpensesGrp/Desc | 1 | MEMBER DIVIDENDS |
| IRS990/OtherExpensesGrp/Desc | 2 | ASSOCIATION DUES |
| IRS990/OtherExpensesGrp/Desc | 3 | LOAN SERVICING |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 49152 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 16922 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 9440 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 8236 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 16707260 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 16367928 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 145731 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 8852663 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 9436534 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 19666 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 8061 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 15879 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 15697 |
| IRS990/PrincipalOfficerNm | 0 | SHEILA REICHERT |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 2 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | INTEREST ON LOANS |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | FEES & OTHER INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 2 | NON-MEMBER ATM FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 454173 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 268156 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 454173 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 268156 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 2 | 1358 |
| IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 1358 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2018, LOANS OUTSTANDING TOTALED $9,493,101. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $16,922 FOR THE YEAR. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 77979 |
| IRS990/PYOtherExpensesAmt | 0 | 356876 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 631607 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 63253 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 289457 |
| IRS990/PYTotalExpensesAmt | 0 | 646333 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 709586 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 145359 |
| 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 | 1517718 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 1663077 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 8293185 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 7582142 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 226613 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 247034 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 473647 |
| IRS990ScheduleD/EquipmentGrp/BookValueAmt | 0 | 48020 |
| IRS990ScheduleD/EquipmentGrp/DepreciationAmt | 0 | 559054 |
| IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt | 0 | 607074 |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 15000 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 15000 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 16367928 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | MEMBER SHARE DEPOSITS |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 289633 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 16367928 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | THE FORM 990 IS REVIEWED BY CREDIT UNION MANAGEMENT AND THE BOARD OF DIRECTORS BEFORE FILING. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | 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 | 5 | 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 | 6 | THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. FINANCIAL STATEMENTS AND OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990, PART VI, SECTION A, LINE 6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990, PART VI, SECTION A, LINE 7A |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990, PART VI, SECTION A, LINE 7B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990, PART VI, SECTION B, LINE 11B |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990, PART VI, SECTION B, LINE 12C |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990, PART VI, SECTION B, LINE 15 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | 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/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
| IRS990/TotalAssetsBOYAmt | 0 | 18259164 |
| IRS990/TotalAssetsEOYAmt | 0 | 18064102 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 18259164 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 18064102 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 9 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 686593 |
| IRS990/TotalGrossUBIAmt | 0 | 1358 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 16741446 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 16401025 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 16741446 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 16401025 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 1517718 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 1663077 |
| IRS990/TotalOtherCompensationAmt | 0 | 15879 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 723687 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 87619 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 830594 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 831952 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 1358 |
| IRS990/TotalVolunteersCnt | 0 | 11 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 18259164 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 18064102 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 40 |
| IRS990/TypeOfOrganizationCorpInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 1 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | PO BOX 516 |
| IRS990/USAddress/CityNm | 0 | VIENNA |
| IRS990/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/USAddress/ZIPCd | 0 | 629950516 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 11 |
| IRS990/VotingMembersIndependentCnt | 0 | 11 |
| IRS990/WebsiteAddressTxt | 0 | WWW.R2RCU.COM |
| IRS990/WhistleblowerPolicyInd | 0 | 0 |
| ReturnHeader/BuildTS | 0 | 2019-02-21 02:37:17Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | SHEILA REICHERT |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT/CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 6186588312 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2019-03-20 |
| 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/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 97.87.82.114 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2019-03-20 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CD |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 15:02:26 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 431887384 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | STEPHEN LANG & ASSOCIATES LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 14323 S OUTER 40 STE N205 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | CHESTERFIELD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 63017 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 3142058601 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | STEPHEN LANG |
| ReturnHeader/ReturnTs | 0 | 2019-03-20T15:02:40-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2018-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2018-12-31 |
| ReturnHeader/TaxYr | 0 | 2018 |
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Displayed year
2018 • Form 990Detailed filing. Detailed filing data is available for this year.