Civic Intelligence

Riverview Credit Union Inc

990 • Fiscal year 2014 • EIN 31-0741021

Jan 01, 2014 to Dec 31, 2014 • Filed on May 06, 2015

Organization Profilewww.riverviewcu.com

View Organization Page

403 Main StreetBelpre, OH 45714

(740) 423-4260

Siviq Scores

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

Liabilities / Assets

16th percentile

0.83x

Higher debt load relative to assets than 16% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Liabilities / Revenue

68th percentile

21.07x

Higher debt load relative to revenue than 68% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Net Margin

62nd percentile

13%

Higher net margin than 62% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Top Officer Pay

6th percentile

$69,843

Higher top officer pay than 6% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2014

Asset Growth

30th percentile

0.7%

Faster asset growth than 30% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Revenue Growth

43rd percentile

-0.6%

Faster revenue growth than 43% of similar nonprofits.

2014 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets16th percentile

Assets

Up

$52,940,005

Up $382,125 (+0.7%) from 2013

Net Assets

Up

$8,780,441

Up $272,249 (+3.2%) from 2013

Liabilities

Up

$44,159,564

Up $109,876 (+0.2%) from 2013

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin62nd percentile

Revenue

Down

$2,096,047

Down $12,431 (-0.6%) from 2013

Expenses

Down

$1,823,798

Down $219,350 (-11%) from 2013

Net Income

Up

$272,249

Up $206,919 (+317%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth30th percentile

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

$80M$60M$40M$20M$0Assets 2010: $44,734,564Liabilities 2010: $36,486,014Net Assets 2010: $8,248,5502010Assets 2011: $48,279,359Liabilities 2011: $39,914,088Net Assets 2011: $8,365,2712011Assets 2012: $52,783,066Liabilities 2012: $44,340,204Net Assets 2012: $8,442,8622012Assets 2013: $52,557,880Liabilities 2013: $44,049,688Net Assets 2013: $8,508,1922013Assets 2014: $52,940,005Liabilities 2014: $44,159,564Net Assets 2014: $8,780,4412014Assets 2015: $50,264,790Liabilities 2015: $41,410,367Net Assets 2015: $8,854,4232015Assets 2016: $57,305,323Liabilities 2016: $48,496,370Net Assets 2016: $8,808,9532016Assets 2017: $62,324,586Liabilities 2017: $53,411,613Net Assets 2017: $8,912,9732017

Highlighted filing

2014

Assets$52,940,005
Liabilities$44,159,564
Net Assets$8,780,441
Open 2014 Filing

Operations Trend

Revenue Growth43rd percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,304,9092010Expenses 2011: $2,260,9352011Expenses 2012: $2,230,6472012Revenue 2013: $2,108,478Expenses 2013: $2,043,148Net Income 2013: $65,3302013Revenue 2014: $2,096,047Expenses 2014: $1,823,798Net Income 2014: $272,2492014Revenue 2015: $2,126,286Expenses 2015: $2,052,304Net Income 2015: $73,9822015Revenue 2016: $2,221,488Expenses 2016: $2,266,958Net Income 2016: -$45,4702016Revenue 2017: $2,691,291Expenses 2017: $2,587,271Net Income 2017: $104,0202017

Highlighted filing

2014

Revenue$2,096,047
Expenses$1,823,798
Net Income$272,249
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 6, 2015
Return Version
2014v5.0
Gross Receipts
$2,096,047
Mission and Program Overview

Mission

Riverview credit union, inc. Is a financially sound member owned financial institution designed to deliver high quality personal service to meet the ongoing financial needs of its member owners.

Riverview Credit Union, Inc. is a financial institution cooperative credit union organized to provide loan and deposit products and services for its member owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related$35,003,229$34,431,004▼ $572,225
Other Notes and Loans Receivable, Net$13,366,662$13,542,269▲ $175,607
Rtn Earn Endowment Incm Other Fnds$8,508,192$8,780,441▲ $272,249
Savings and Temporary Cash Investments$1,324,634$2,195,007▲ $870,373
Land, Buildings, and Equipment, Net$1,227,594$1,200,789▼ $26,805
Cash and Non-Interest-Bearing Accounts$1,003,852$951,619▼ $52,233
Prepaid Expenses and Deferred Charges$77,890$59,032▼ $18,858
Accounts Receivable$0$7,596▲ $7,596
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$52,557,880$52,940,005▲ $382,125
Other Assets Total$554,019$552,689▼ $1,330
Liabilities
Other Liabilities$43,422,521$43,672,976▲ $250,455
Accounts Payable and Accrued Expenses$627,167$486,588▼ $140,579
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$44,049,688$44,159,564▲ $109,876
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,508,192$8,780,441▲ $272,249
Total Liabilities and Net Assets / Fund Balance$52,557,880$52,940,005▲ $382,125

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$803,840$492,632$1,296,472
Equipment$70,286$558,503$628,789
Land$326,663-$326,663
Investment Program Related Org$358,423--
Other Land Buildings$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay6th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael IaderosaChief Executive OfficerFT$50,643$19,200$69,843
Douglas AnkromChief Financial OfficerFT$32,304$10,300$42,604

Board Members and Trustees

NameTitle
Mark MinerdPresident of Board
John MatthewsVice President of Board
Cecil BrownDirector
John BartenschlagDirector
Keith HoyDirector
W Layne MarksSecretary of Board
Steve TompkinsTreasurer of Board
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,646,703
Investment Income
$449,344
Other Revenue
$0
Change in Net Assets
$272,249
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,110,484
Salaries, Compensation, and Employee Benefits$713,314
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$300,609$243,295$0$543,904
Information Technology$208,506$0$0$208,506
Interest$142,327$0$0$142,327
Occupancy$76,747$8,528$0$85,275
Depreciation Depletion$78,549$5,915$0$84,464
Current Officers, Directors, Trustees, and Key Employees$0$82,947$0$82,947
Office Expenses$69,356$0$0$69,356
Payroll Taxes$43,972$16,259$0$60,231
Advertising$33,505$0$0$33,505
All Other Expenses$30,231$0$0$30,231
Fees for Services Accounting$0$26,823$0$26,823
Conferences and Meetings$17,386$8,768$0$26,154
Fees for Services Management$0$19,280$0$19,280
Other Employee Benefits$9,762$3,609$0$13,371
Pension Plan Contributions$10,373$2,488$0$12,861
Insurance$9,760$0$0$9,760
Other Expenses$0$8,629$0$8,629
Total Functional Expenses$1,397,257$426,541$0$1,823,798
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members money market savings$17,973,377
Members share savings$13,357,847
Members share certificates$6,149,442
Members draft checking$4,314,020
Members IRA certificates$1,427,059
Member IRA savings$451,231
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“All credit unions by charter are member owned.”

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

“All of the governing body is elected by the membership.”

Form 990, Part VI, Section B, Line 11B

“The 990 is reviewed by management and the Board of Directors prior to submission.”

Form 990, Part VI, Section B, Line 12C

“The conflict of interest policy is reviewed by the employees and the Board of Directors annually.”

Form 990, Part VI, Section B, Line 15

“Compensation of key employees is approved by the Board of Directors, independent compensation surveys are utilized as a tool in setting compensation levels.”

Form 990, Part VI, Section C, Line 19

“The governing documents, conflict of interest policy and financial statements are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Riverview Credit Union Inc
EIN
31-0741021
Phone
7404234260
Address
403 Main Street, Belpre, OH 45714

Signing Officer

Name
Michael Iaderosa
Title
Chief Executive Officer
Phone
7404234260
Signed
2015-05-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Iaderosa
Formed
1968
Legal Domicile
Oh
Voting Board Members
7
Independent Board Members
7
Employees
33
Volunteers
8

Preparer

Firm
Schmidt & Associates
Address
P O Box 2588, Columbus, OH 43216
Preparer
Melissa Schmidt
Phone
6145291640
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IRS990/Form990PartVIISectionAGrp/TitleTxt8Chief Financial Officer
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IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/FundraisingAmt00
IRS990/InterestGrp/ManagementAndGeneralAmt00
IRS990/InterestGrp/ProgramServicesAmt0142327
IRS990/InterestGrp/TotalAmt0142327
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0449344
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0449344
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt035003229
IRS990/InvestmentsProgramRelatedGrp/EOYAmt034431004
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt0607
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01051135
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01227594
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01200789
IRS990/LandBldgEquipCostOrOtherBssAmt02251924
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd01
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Riverview Credit Union, Inc. is a financially sound member owned financial institution designed to deliver high quality personal service to meet the ongoing financial needs of its member owners.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt08508192
IRS990/NetAssetsOrFundBalancesEOYAmt08780441
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/FundraisingAmt00
IRS990/OccupancyGrp/ManagementAndGeneralAmt08528
IRS990/OccupancyGrp/ProgramServicesAmt076747
IRS990/OccupancyGrp/TotalAmt085275
IRS990/OfficeExpensesGrp/FundraisingAmt00
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt00
IRS990/OfficeExpensesGrp/ProgramServicesAmt069356
IRS990/OfficeExpensesGrp/TotalAmt069356
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0554019
IRS990/OtherAssetsTotalGrp/EOYAmt0552689
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt03609
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt09762
IRS990/OtherEmployeeBenefitsGrp/TotalAmt013371
IRS990/OtherExpensesGrp/Desc0Share servicing (ATM, debit, draft)
IRS990/OtherExpensesGrp/Desc1Loan servicing (collection, lien filing)
IRS990/OtherExpensesGrp/Desc2Provision for loan losses
IRS990/OtherExpensesGrp/Desc3Regulators
IRS990/OtherExpensesGrp/FundraisingAmt00
IRS990/OtherExpensesGrp/FundraisingAmt10
IRS990/OtherExpensesGrp/FundraisingAmt20
IRS990/OtherExpensesGrp/FundraisingAmt30
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt00
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt10
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt20
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt38629
IRS990/OtherExpensesGrp/ProgramServicesAmt0279585
IRS990/OtherExpensesGrp/ProgramServicesAmt128589
IRS990/OtherExpensesGrp/ProgramServicesAmt258000
IRS990/OtherExpensesGrp/ProgramServicesAmt30
IRS990/OtherExpensesGrp/TotalAmt0279585
IRS990/OtherExpensesGrp/TotalAmt128589
IRS990/OtherExpensesGrp/TotalAmt258000
IRS990/OtherExpensesGrp/TotalAmt38629
IRS990/OtherLiabilitiesGrp/BOYAmt043422521
IRS990/OtherLiabilitiesGrp/EOYAmt043672976
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0243295
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0300609
IRS990/OtherSalariesAndWagesGrp/TotalAmt0543904
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt013366662
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt013542269
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/FundraisingAmt00
IRS990/PaymentsToAffiliatesGrp/ManagementAndGeneralAmt00
IRS990/PaymentsToAffiliatesGrp/ProgramServicesAmt00
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/FundraisingAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt016259
IRS990/PayrollTaxesGrp/ProgramServicesAmt043972
IRS990/PayrollTaxesGrp/TotalAmt060231
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/FundraisingAmt00
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt02488
IRS990/PensionPlanContributionsGrp/ProgramServicesAmt010373
IRS990/PensionPlanContributionsGrp/TotalAmt012861
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt077890
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt059032
IRS990/PrincipalOfficerNm0Michael Iaderosa
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0Interest on loans to members
IRS990/ProgramServiceRevenueGrp/Desc1Fees to members
IRS990/ProgramServiceRevenueGrp/Desc2ATM surcharges to nonmembers
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0853479
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1779708
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0853479
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1779708
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt213516
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt213516
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PymtTravelEntrtnmntPubOfclGrp/FundraisingAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ManagementAndGeneralAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/ProgramServicesAmt00
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYRevenuesLessExpensesAmt00
IRS990/PYTotalExpensesAmt00
IRS990/PYTotalRevenueAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0272249
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt02082531
IRS990/RoyaltiesGrp/FundraisingAmt00
IRS990/RoyaltiesGrp/ManagementAndGeneralAmt00
IRS990/RoyaltiesGrp/ProgramServicesAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$52,940,005
Liabilities
$44,159,564
Net assets
$8,780,441
Revenue
$2,096,047
Expenses
$1,823,798
Net income
$272,249
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Detailed filing. Detailed filing data is available for this year.$62.3$53.4$8.91$2.69$2.59$0.10
2016Detailed filing. Detailed filing data is available for this year.$57.3$48.5$8.81$2.22$2.27$0.05
2015Detailed filing. Detailed filing data is available for this year.$50.3$41.4$8.85$2.13$2.05$0.07
2014Detailed filing. Detailed filing data is available for this year.$52.9$44.2$8.78$2.10$1.82$0.27
2013Detailed filing. Detailed filing data is available for this year.$52.6$44.0$8.51$2.11$2.04$0.07
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.8$44.3$8.44$2.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.3$39.9$8.37$2.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$44.7$36.5$8.25$2.30