Civic Intelligence

Riverset Credit Union

EIN 25-0732150 • 501(c)14 • Pittsburgh, PA

View Organization Page

Profile

The mission of riverset credit union is to provide low-cost financial institution services to its members.

1700 Jane StreetPittsburgh, PA 15203

www.riverset.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2021

Liabilities / Revenue

96th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • <$500k nonprofits • Source year 2021

Net Margin

6th percentile

-1410%

Higher net margin than 6% of similar nonprofits.

501(c)14 • <$500k nonprofits • Source year 2021

Top Officer Pay

100th percentile

$911,682

Higher top officer pay than 100% of similar nonprofits.

Top officer pay equals 258.9% of source-year revenue.

501(c)14 • <$500k nonprofits • Source year 2021

Asset Growth

95th percentile

-100%

Faster asset growth than 95% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2019 to 2021

Revenue Growth

25th percentile

-75%

Faster revenue growth than 25% of similar nonprofits.

501(c)14 • <$500k nonprofits • Annualized from 2019 to 2021

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $110,490,547 (-100%) from 2019

Liabilities

Down

$0

Down $83,800,779 (-100%) from 2019

Net Assets

Down

$0

Down $26,689,768 (-100%) from 2019

Operations
Liabilities / Revenue96th percentileNet Margin6th percentile

Revenue

Down

$352,184

Down $5,331,682 (-94%) from 2019

Expenses

Up

$5,316,439

Up $103,334 (+2.0%) from 2019

Net Income

Down

-$4,964,255

Down $5,435,016 (-1155%) from 2019

Trend Graphs

Balance Sheet Trend

Asset Growth95th percentile

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

$150M$100M$50M$0Assets 2010: $117,101,469Liabilities 2010: $94,352,595Net Assets 2010: $22,748,8742010Assets 2011: $120,544,929Liabilities 2011: $97,564,060Net Assets 2011: $22,980,8692011Assets 2012: $120,728,188Liabilities 2012: $97,576,312Net Assets 2012: $23,151,8762012Assets 2013: $119,354,158Liabilities 2013: $96,105,427Net Assets 2013: $23,248,7312013Assets 2014: $115,485,066Liabilities 2014: $91,774,582Net Assets 2014: $23,710,4842014Assets 2015: $114,846,436Liabilities 2015: $90,442,056Net Assets 2015: $24,404,3802015Assets 2016: $113,779,694Liabilities 2016: $88,740,855Net Assets 2016: $25,038,8392016Assets 2017: $113,174,117Liabilities 2017: $87,628,578Net Assets 2017: $25,545,5392017Assets 2018: $114,428,983Liabilities 2018: $88,200,942Net Assets 2018: $26,228,0412018Assets 2019: $110,490,547Liabilities 2019: $83,800,779Net Assets 2019: $26,689,7682019Assets 2021: $0Liabilities 2021: $0Net Assets 2021: $02021

Highlighted filing

2021

Assets$0
Liabilities$0
Net Assets$0
Open 2021 Filing

Operations Trend

Revenue Growth25th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $5,768,4172010Expenses 2011: $5,304,2682011Expenses 2012: $5,165,3952012Revenue 2013: $5,102,124Expenses 2013: $4,931,519Net Income 2013: $170,6052013Revenue 2014: $5,506,919Expenses 2014: $5,077,681Net Income 2014: $429,2382014Revenue 2015: $5,667,660Expenses 2015: $4,988,421Net Income 2015: $679,2392015Revenue 2016: $5,512,107Expenses 2016: $4,895,041Net Income 2016: $617,0662016Revenue 2017: $5,698,984Expenses 2017: $5,193,894Net Income 2017: $505,0902017Revenue 2018: $5,874,748Expenses 2018: $5,196,019Net Income 2018: $678,7292018Revenue 2019: $5,683,866Expenses 2019: $5,213,105Net Income 2019: $470,7612019Revenue 2021: $352,184Expenses 2021: $5,316,439Net Income 2021: -$4,964,2552021

Highlighted filing

2021

Revenue$352,184
Expenses$5,316,439
Net Income-$4,964,255
Open 2021 Filing

Filings

Most recent year

2021 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$352,184
Expenses
$5,316,439
Net income
-$4,964,255
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$0.00$0.35$5.32$4.96
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$110$83.8$26.7$5.68$5.21$0.47
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$88.2$26.2$5.87$5.20$0.68
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$113$87.6$25.5$5.70$5.19$0.51
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$88.7$25.0$5.51$4.90$0.62
2015Detailed filing. Detailed filing data is available for this year.$115$90.4$24.4$5.67$4.99$0.68
2014Detailed filing. Detailed filing data is available for this year.$115$91.8$23.7$5.51$5.08$0.43
2013Detailed filing. Detailed filing data is available for this year.$119$96.1$23.2$5.10$4.93$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$97.6$23.2$5.17
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$121$97.6$23.0$5.30
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$117$94.4$22.7$5.77
Latest Detailed Filing

The latest 2021 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2017 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Nov 6, 2018
Return Version
2017v2.3
Gross Receipts
$5,698,984
Mission and Program Overview

Mission

The mission of riverset credit union is to provide low-cost financial institution services to its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$85,336,077$90,602,882▲ $5,266,805
Rtn Earn Endowment Incm Other Fnds$25,038,839$25,545,539▲ $506,700
Savings and Temporary Cash Investments$14,760,539$12,936,652▼ $1,823,887
Land, Buildings, and Equipment, Net$2,387,946$2,283,938▼ $104,008
Investments in Publicly Traded Securities$4,002,766$1,993,720▼ $2,009,046
Investments Program Related$556,418$574,523▲ $18,105
Cash and Non-Interest-Bearing Accounts$384,240$128,778▼ $255,462
Total Assets$113,779,694$113,174,117▼ $605,577
Other Assets Total$6,351,708$4,653,624▼ $1,698,084
Liabilities
Accounts Payable and Accrued Expenses$87,628,913$86,411,132▼ $1,217,781
Other Liabilities$1,111,942$1,217,446▲ $105,504
Total Liabilities$88,740,855$87,628,578▼ $1,112,277
Net Assets / Fund Balance
Total Net Assets Fund Balance$25,038,839$25,545,539▲ $506,700
Total Liabilities and Net Assets / Fund Balance$113,779,694$113,174,117▼ $605,577

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,497,795$1,892,396$3,390,191
Equipment$131,075$1,473,074$1,604,149
Land$655,068-$655,068
Compensation and Service Providers
Top Officer Pay100th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christine ChojnickiCEOFT$256,363$71,532$327,895
Edward RusnakEvp & CFOFT$120,183$49,810$169,993
George GensureChair-$9,600-$9,600
Gerard PapariellaTreasurer-$9,600-$9,600
Roy ButerbaughVice Chair-$7,600-$7,600
Sylvia WilsonSecretary-$5,800-$5,800
John WilliamsonBoard Member-$4,000-$4,000
Henry Stephens JrBoard Member-$2,650-$2,650

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservCore Processor5600 CROOKS ROAD 101, BUILDING 1 SUITE 200, Troy, MI 48098$569,937
Lending Solutions INCLending Process2200 POINT BLVD, Elgin, IL 60123$286,609
Enkompas Technology SolutionsIt Services4900 PERRY HIGHWAY, Pittsburgh, PA 15229$111,309
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,782,073
Investment Income
$325,802
Other Revenue
$1,591,109
Change in Net Assets
$505,090
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,462,151
Salaries, Compensation, and Employee Benefits$1,731,743
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$923,685--$923,685
Current Officers, Directors, Trustees, and Key Employees$537,138--$537,138
Interest$287,201--$287,201
Depreciation Depletion$213,683--$213,683
Office Expenses$182,709--$182,709
Advertising$163,228--$163,228
Fees for Services Legal$159,404--$159,404
Occupancy$129,880--$129,880
Payroll Taxes$115,383--$115,383
Other Employee Benefits$101,740--$101,740
Fees for Services Accounting$79,186--$79,186
Insurance$57,130--$57,130
Pension Plan Contributions$53,797--$53,797
Other Expenses$47,250--$47,250
All Other Expenses$24,456--$24,456
Travel$7,880--$7,880
Total Functional Expenses$5,193,894$0$0$5,193,894
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Accrued Deferred Compensation$673,589
Other Liabilities$460,565
Accrued Pension Expense$54,649
Interest Payable$28,463
Fsa$180
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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, Page 6, Part VI, Line 6

“The organization, a credit union, is organized with members.”

Form 990, Page 6, Part VI, Line 7A

“Shareholders of the organization elect some members of the governing body.”

Form 990, Page 6, Part VI, Line 7B

“Decisions of the governing body are subject to approval by shareholders.”

Form 990, Page 6, Part VI, Line 11B

“Form 990 is reviewed by cfo and other members of management prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“The organization monitors compliance with the conflicts policy by periodically reviewing the policy with officers, directors and other key personnel.”

Form 990, Page 6, Part VI, Line 15A

“Compensation for all officers and key employees is determined by using third-party analysis of comparable compensation structures within the industry. The board-of-directors approves the compensation after the above analysis.”

Form 990, Page 6, Part VI, Line 15B

“Compensation for all officers and key employees is determined by using third-party analysis of comparable compensation structures within the industry. The board-of-directors approves the compensation after the above analysis.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Riverset Credit Union
EIN
25-0732150
Phone
4124882525
Address
1700 JANE STREET, PITTSBURGH, PA 15203

Signing Officer

Name
Edward Rusnak
Title
Evp & CFO
Phone
4124882525
Signed
2018-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Edward Rusnak
Formed
1934
Legal Domicile
Pa
Voting Board Members
6
Independent Board Members
6
Employees
31

Preparer

Firm
Cottrill Arbutina & Associates
Address
525 THIRD STREET, BEAVER, PA 15009-2228
Preparer
Lucas a Rihely CPA Cfe
Phone
7246833400
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Keystone lending alliance tax vs. Gaap difference 10,630”

Raw XML AppendixShowing 400 of 430 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/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt087628913
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt086411132
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE MISSION OF RIVERSET CREDIT UNION IS TO PROVIDE LOW-COST FINANCIAL INSTITUTION SERVICES TO ITS MEMBERS.
IRS990/AdvertisingGrp/ProgramServicesAmt0163228
IRS990/AdvertisingGrp/TotalAmt0163228
IRS990/AllOtherExpensesGrp/ProgramServicesAmt024456
IRS990/AllOtherExpensesGrp/TotalAmt024456
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BooksInCareOfDetail/PersonNm0EDWARD RUSNAK CFO
IRS990/BooksInCareOfDetail/PhoneNum04124882525
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01700 JANE STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0PITTSBURGH
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0PA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd015203
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0384240
IRS990/CashNonInterestBearingGrp/EOYAmt0128778
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0537138
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0537138
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0569937
IRS990/ContractorCompensationGrp/CompensationAmt1286609
IRS990/ContractorCompensationGrp/CompensationAmt2111309
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt05600 CROOKS ROAD 101
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt12200 POINT BLVD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt24900 PERRY HIGHWAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine2Txt0BUILDING 1 SUITE 200
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0TROY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1ELGIN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2PITTSBURGH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2PA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd048098
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160123
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd215229
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FISERV
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1LENDING SOLUTIONS INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2ENKOMPAS TECHNOLOGY SOLUTIONS
IRS990/ContractorCompensationGrp/ServicesDesc0CORE PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc1LENDING PROCESS
IRS990/ContractorCompensationGrp/ServicesDesc2IT SERVICES
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0325802
IRS990/CYOtherExpensesAmt03462151
IRS990/CYOtherRevenueAmt01591109
IRS990/CYProgramServiceRevenueAmt03782073
IRS990/CYRevenuesLessExpensesAmt0505090
IRS990/CYSalariesCompEmpBnftPaidAmt01731743
IRS990/CYTotalExpensesAmt05193894
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt05698984
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt0213683
IRS990/DepreciationDepletionGrp/TotalAmt0213683
IRS990/Desc0PROVIDE LOW-COST FINANCIAL INSTITUTION SERVICES TO ITS MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt031
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/ExpenseAmt05193894
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt079186
IRS990/FeesForServicesAccountingGrp/TotalAmt079186
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt0159404
IRS990/FeesForServicesLegalGrp/TotalAmt0159404
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt02.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt52.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt645.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt745.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt671532
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt749810
IRS990/Form990PartVIISectionAGrp/PersonNm0GEORGE GENSURE
IRS990/Form990PartVIISectionAGrp/PersonNm1GERARD PAPARIELLA
IRS990/Form990PartVIISectionAGrp/PersonNm2ROY BUTERBAUGH
IRS990/Form990PartVIISectionAGrp/PersonNm3SYLVIA WILSON
IRS990/Form990PartVIISectionAGrp/PersonNm4JOHN WILLIAMSON
IRS990/Form990PartVIISectionAGrp/PersonNm5HENRY STEPHENS JR
IRS990/Form990PartVIISectionAGrp/PersonNm6CHRISTINE CHOJNICKI
IRS990/Form990PartVIISectionAGrp/PersonNm7EDWARD RUSNAK
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt09600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt19600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt27600
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt35800
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt44000
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt52650
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6256363
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7120183
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/TitleTxt0CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt1TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt7EVP & CFO
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt05698984
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/ProgramServicesAmt057130
IRS990/InsuranceGrp/TotalAmt057130
IRS990/InterestGrp/ProgramServicesAmt0287201
IRS990/InterestGrp/TotalAmt0287201
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0325802
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0325802
IRS990/InvestmentInJointVentureInd0true
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0556418
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0574523
IRS990/InvestmentsPubTradedSecGrp/BOYAmt04002766
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01993720
IRS990/IRPDocumentCnt07
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03365470
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02387946
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02283938
IRS990/LandBldgEquipCostOrOtherBssAmt05649408
IRS990/LegalDomicileStateCd0PA
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MiscellaneousRevenueGrp/RelatedOrExemptFuncIncomeAmt069312
IRS990/MiscellaneousRevenueGrp/TotalRevenueColumnAmt072714
IRS990/MiscellaneousRevenueGrp/UnrelatedBusinessRevenueAmt03402
IRS990/MissionDesc0THE MISSION OF RIVERSET CREDIT UNION IS TO PROVIDE LOW-COST FINANCIAL INSTITUTION SERVICES TO ITS MEMBERS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt025038839
IRS990/NetAssetsOrFundBalancesEOYAmt025545539
IRS990/NetUnrelatedBusTxblIncmAmt02402
IRS990/NetUnrlzdGainsLossesInvstAmt0-9020
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt0129880
IRS990/OccupancyGrp/TotalAmt0129880
IRS990/OfficeExpensesGrp/ProgramServicesAmt0182709
IRS990/OfficeExpensesGrp/TotalAmt0182709
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06351708
IRS990/OtherAssetsTotalGrp/EOYAmt04653624
IRS990/OtherChangesInNetAssetsAmt010630
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt0101740
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0101740
IRS990/OtherExpensesGrp/Desc0EXP-PROFESSIONAL FEES
IRS990/OtherExpensesGrp/Desc1EXP-LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2EXP-LOSS PROVISION
IRS990/OtherExpensesGrp/Desc3EXP-OTHEREXP
IRS990/OtherExpensesGrp/ProgramServicesAmt0977773
IRS990/OtherExpensesGrp/ProgramServicesAmt1767371
IRS990/OtherExpensesGrp/ProgramServicesAmt2365000
IRS990/OtherExpensesGrp/ProgramServicesAmt347250
IRS990/OtherExpensesGrp/TotalAmt0977773
IRS990/OtherExpensesGrp/TotalAmt1767371
IRS990/OtherExpensesGrp/TotalAmt2365000
IRS990/OtherExpensesGrp/TotalAmt347250
IRS990/OtherLiabilitiesGrp/BOYAmt01111942
IRS990/OtherLiabilitiesGrp/EOYAmt01217446
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherRevenueMiscGrp/Desc0FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc1INTERCHANGE INCOME
IRS990/OtherRevenueMiscGrp/Desc2KEYSTONE LENDING ALLIANCE
IRS990/OtherRevenueMiscGrp/ExclusionAmt0115145
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0891202
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt1512048
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0891202
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt1512048
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2115145
IRS990/OtherRevenueTotalAmt01591109
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0923685
IRS990/OtherSalariesAndWagesGrp/TotalAmt0923685
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt085336077
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt090602882
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ProgramServicesAmt0115383
IRS990/PayrollTaxesGrp/TotalAmt0115383
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt053797
IRS990/PensionPlanContributionsGrp/TotalAmt053797
IRS990/PoliticalCampaignActyInd0false
IRS990/PrincipalOfficerNm0EDWARD RUSNAK
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03782073
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03782073
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0271027
IRS990/PYOtherExpensesAmt03132708
IRS990/PYOtherRevenueAmt01575971
IRS990/PYProgramServiceRevenueAmt03665109
IRS990/PYRevenuesLessExpensesAmt0617066
IRS990/PYSalariesCompEmpBnftPaidAmt01762333
IRS990/PYTotalExpensesAmt04895041
IRS990/PYTotalRevenueAmt05512107
IRS990/ReconcilationRevenueExpnssAmt0505090
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt05698984
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt025038839
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt025545539
IRS990/SavingsAndTempCashInvstGrp/BOYAmt014760539
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012936652
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01497795
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01892396
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03390191
IRS990ScheduleD/EquipmentGrp/BookValueAmt0131075
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01473074
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01604149
IRS990ScheduleD/LandGrp/BookValueAmt0655068
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0655068
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0673589
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1460565
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt254649
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt328463
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4180
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED DEFERRED COMPENSATION
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2ACCRUED PENSION EXPENSE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3INTEREST PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4FSA
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02283938
IRS990ScheduleD/TotalLiabilityAmt01217446
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0256363
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1120183
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt0100000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt062739
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt130738
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt08793
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt119072
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHRISTINE CHOJNICKI
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1EDWARD RUSNAK
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EVP & CFO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0327895
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1169993
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0CHRISTINE CHOJNICKI 0 56,585 0 EDWARD RUSNAK 0 25,532 0
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt1AMOUNTS REPORTED UNDER PART I, LINE 4 AS NONQUALIFIED ARE BASED UPON THE AMOUNTS ACCRUED UNDER THE PLAN IN ACCORDANCE WITH ACCOUNTING PRINCIPLES GENERALLY ACCEPTED IN THE UNITED STATES OF AMERICA.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE J, PAGE 1, PART I, LINE 4
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE J, PART III
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0true
IRS990ScheduleJ/WrittenEmploymentContractInd0X
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION, A CREDIT UNION, IS ORGANIZED WITH MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SHAREHOLDERS OF THE ORGANIZATION ELECT SOME MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS OF THE GOVERNING BODY ARE SUBJECT TO APPROVAL BY SHAREHOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS REVIEWED BY CFO AND OTHER MEMBERS OF MANAGEMENT PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION MONITORS COMPLIANCE WITH THE CONFLICTS POLICY BY PERIODICALLY REVIEWING THE POLICY WITH OFFICERS, DIRECTORS AND OTHER KEY PERSONNEL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION FOR ALL OFFICERS AND KEY EMPLOYEES IS DETERMINED BY USING THIRD-PARTY ANALYSIS OF COMPARABLE COMPENSATION STRUCTURES WITHIN THE INDUSTRY. THE BOARD-OF-DIRECTORS APPROVES THE COMPENSATION AFTER THE ABOVE ANALYSIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6COMPENSATION FOR ALL OFFICERS AND KEY EMPLOYEES IS DETERMINED BY USING THIRD-PARTY ANALYSIS OF COMPARABLE COMPENSATION STRUCTURES WITHIN THE INDUSTRY. THE BOARD-OF-DIRECTORS APPROVES THE COMPENSATION AFTER THE ABOVE ANALYSIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NO DOCUMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8KEYSTONE LENDING ALLIANCE TAX VS. GAAP DIFFERENCE 10,630
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0113779694
IRS990/TotalAssetsEOYAmt0113174117
IRS990/TotalAssetsGrp/BOYAmt0113779694
IRS990/TotalAssetsGrp/EOYAmt0113174117
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt031
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt05193894
IRS990/TotalFunctionalExpensesGrp/TotalAmt05193894
IRS990/TotalGrossUBIAmt03402
IRS990/TotalLiabilitiesBOYAmt088740855
IRS990/TotalLiabilitiesEOYAmt087628578
IRS990/TotalLiabilitiesGrp/BOYAmt088740855
IRS990/TotalLiabilitiesGrp/EOYAmt087628578
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt025038839
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt025545539
IRS990/TotalOtherCompensationAmt0121342
IRS990/TotalProgramServiceExpensesAmt05193894
IRS990/TotalProgramServiceRevenueAmt03782073
IRS990/TotalReportableCompFromOrgAmt0415796
IRS990/TotalRevenueGrp/ExclusionAmt0115145
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt05580437
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05698984
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03402
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0113779694
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0113174117
IRS990/TravelGrp/ProgramServicesAmt07880
IRS990/TravelGrp/TotalAmt07880
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01700 JANE STREET
IRS990/USAddress/CityNm0PITTSBURGH
IRS990/USAddress/StateAbbreviationCd0PA
IRS990/USAddress/ZIPCd015203
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0WWW.RIVERSET.COM
IRS990/WhistleblowerPolicyInd0true
IRS990/WrittenPolicyOrProcedureInd0true
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0EDWARD RUSNAK
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EVP & CFO
ReturnHeader/BusinessOfficerGrp/PhoneNum04124882525

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