Civic Intelligence

Rock Valley Credit Union

EIN 36-2659309 • 501(c)14 • Loves Park, IL

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Profile

Rock valley credit union is a cooperative non-profit association, organized under the national credit union act for the purposes of encouraging thrift among its members, and providing a source of credit at reasonable rates of interest.

1201 Clifford AveLoves Park, IL 61111

www.rockvalleycreditunion.org

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.90x

Higher debt load relative to assets than 52% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Liabilities / Revenue

24th percentile

12.99x

Higher debt load relative to revenue than 24% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Net Margin

68th percentile

17%

Higher net margin than 68% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

35th percentile

0.5%

Faster asset growth than 35% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Revenue Growth

30th percentile

10%

Faster revenue growth than 30% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$162,201,724

Up $6,356,132 (+4.1%) from 2023

Liabilities

Up

$144,710,980

Up $5,369,509 (+3.9%) from 2023

Net Assets

Up

$17,490,744

Up $986,623 (+6.0%) from 2023

Operations
Liabilities / Revenue24th percentileNet Margin68th percentile

Revenue

Up

$11,303,297

Up $1,021,709 (+9.9%) from 2023

Expenses

Up

$10,753,682

Up $1,116,805 (+12%) from 2023

Net Income

Down

$549,615

Down $95,096 (-15%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth35th percentile

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

$200M$150M$100M$50M$0Assets 2020: $135,085,441Liabilities 2020: $120,770,541Net Assets 2020: $14,314,9002020Assets 2021: $147,532,659Liabilities 2021: $132,092,430Net Assets 2021: $15,440,2292021Assets 2022: $148,256,688Liabilities 2022: $132,897,010Net Assets 2022: $15,359,6782022Assets 2023: $155,845,592Liabilities 2023: $139,341,471Net Assets 2023: $16,504,1212023Assets 2024: $162,201,724Liabilities 2024: $144,710,980Net Assets 2024: $17,490,7442024

Highlighted filing

2024

Assets$162,201,724
Liabilities$144,710,980
Net Assets$17,490,744
Open 2024 Filing

Operations Trend

Revenue Growth30th percentile

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

$15M$10M$5.0M$0Revenue 2020: $8,722,328Expenses 2020: $7,251,043Net Income 2020: $1,471,2852020Revenue 2021: $9,262,082Expenses 2021: $7,820,556Net Income 2021: $1,441,5262021Revenue 2022: $10,229,890Expenses 2022: $8,497,661Net Income 2022: $1,732,2292022Revenue 2023: $10,281,588Expenses 2023: $9,636,877Net Income 2023: $644,7112023Revenue 2024: $11,303,297Expenses 2024: $10,753,682Net Income 2024: $549,6152024

Highlighted filing

2024

Revenue$11,303,297
Expenses$10,753,682
Net Income$549,615
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$162,201,724
Liabilities
$144,710,980
Net assets
$17,490,744
Revenue
$11,303,297
Expenses
$10,753,682
Net income
$549,615
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$162$145$17.5$11.3$10.8$0.55
2023Detailed filing. Detailed filing data is available for this year.$156$139$16.5$10.3$9.64$0.64
2022Detailed filing. Detailed filing data is available for this year.$148$133$15.4$10.2$8.50$1.73
2021Detailed filing. Detailed filing data is available for this year.$148$132$15.4$9.26$7.82$1.44
2020Detailed filing. Detailed filing data is available for this year.$135$121$14.3$8.72$7.25$1.47
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 8, 2025
Return Version
2024v5.1
Gross Receipts
$11,303,297
Mission and Program Overview

Mission

Rock valley federal credit union is a cooperative non-profit association, organized under the national credit union act for the purposes of encouraging thrift among its members, and providing a source of credit at reasonable rates of interest.

Rock valley credit union is a cooperative non-profit association, organized under the national credit union act for the purposes of encouraging thrift among its members, and providing a source of credit at reasonable rates of interest.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$119,912,686$128,907,902▲ $8,995,216
Rtn Earn Endowment Incm Other Fnds$16,504,121$17,490,744▲ $986,623
Investments in Publicly Traded Securities$17,452,172$15,250,412▼ $2,201,760
Savings and Temporary Cash Investments$5,397,741$4,338,572▼ $1,059,169
Land, Buildings, and Equipment, Net$3,795,142$3,469,838▼ $325,304
Investments Program Related$3,209,369$3,298,225▲ $88,856
Cash and Non-Interest-Bearing Accounts$2,005,020$2,053,029▲ $48,009
Investments Other Securities$1,239,000$1,737,000▲ $498,000
Prepaid Expenses and Deferred Charges$763,987$884,939▲ $120,952
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$155,845,592$162,201,724▲ $6,356,132
Other Assets Total$2,070,475$2,261,807▲ $191,332
Liabilities
Other Liabilities$133,791,880$139,366,862▲ $5,574,982
Mortgage Notes Payable Secured by Investment Property$3,500,000$4,000,000▲ $500,000
Accounts Payable and Accrued Expenses$2,049,591$1,344,118▼ $705,473
Total Liabilities$139,341,471$144,710,980▲ $5,369,509
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,504,121$17,490,744▲ $986,623
Total Liabilities and Net Assets / Fund Balance$155,845,592$162,201,724▲ $6,356,132

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$853,192$2,868,597$3,721,789
Buildings$1,780,492$1,660,079$3,440,571
Land$836,154-$836,154
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Darlyne KellerCEOFT$227,610$14,037$241,647
Tanya PetersonEvpFT$158,547$9,826$168,373
Jodi AppelgrenVice President of FinanceFT$155,200$12,710$167,910
Matt PapocciaVice President of LendingFT$148,268$16,491$164,759

Board Members and Trustees

NameTitle
David GillChairperson
Melissa MccormickVice Chairperson
Anntonisha WilliamsDirector
Claudia ConsuelosDirector
Debbie ArankiDirector
Garnett ThorpeDirector
Martin ReyesDirector
Paul DionneSecretary
Lynne KowalczykTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,801,712
Investment Income
$501,585
Other Revenue
$0
Change in Net Assets
$549,615
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,685,349
Salaries, Compensation, and Employee Benefits$4,068,333
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,773,164
Office Expenses---$1,933,696
Information Technology---$833,797
Other Employee Benefits---$450,169
Current Officers, Directors, Trustees, and Key Employees---$410,020
Advertising---$407,905
Depreciation Depletion---$369,621
Payroll Taxes---$283,615
Occupancy---$265,655
Other Expenses---$193,944
Interest---$168,098
Pension Plan Contributions---$151,365
Fees for Services Legal---$148,257
Fees for Services Other---$126,432
Fees for Services Accounting---$50,000
Travel---$5,225
Total Functional Expenses$0$0$0$10,753,682
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
Member Share Accounts$139,366,862
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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

“The organization's share depositors are considered members.”

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

“Rock valley's membership elect the members of the governing body.”

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

“The vice president of finance of the organization assists in the preparation of the 990 and reviews the final prepared form completed by an outside cpa firm.”

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

“All insiders of the credit union have an obligation at all times to promote the credit union's best interests. The credit union's code of ethics policy requires that all personnel avoid any situation, which does or may involve a conflict, or appearance of conflict, between their personal interests and the interests of the credit union. All insiders of the credit union must sign and update their conflict of interest when hired and annually thereafter.”

Form 990, Part VI, Section B, Line 15

“Compensation for all positions is approved annually by the board of directors through the budgetary process.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its financial statements available upon request, and may also be found in the credit union's annual report, which is available at the credit union's annual meeting.”

Filing and Contact Details

Filer

Filer Name
Rock Valley Credit Union
EIN
36-2659309
Phone
8152820300
Address
1201 CLIFFORD AVE, LOVES PARK, IL 61111

Signing Officer

Name
Darlyne Keller
Title
CEO
Phone
8152827412
Signed
2025-04-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Darlyne Keller
Formed
1968
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
66
Volunteers
9

Preparer

Firm
Selden Fox Ltd
Address
ONE PARKVIEW PLAZA SUITE 710, OAKBROOK TERRACE, IL 60181
Preparer
Michael Kram
Phone
6309541400
Supplemental Narrative

Additional Explanations

Part XII, Line 2C

“The process has not changed from the prior year.”

Raw XML AppendixShowing 400 of 464 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/OtherEmployeeBenefitsGrp/TotalAmt0450169
IRS990/OtherExpensesGrp/Desc0INTEREST ON MEMBERS' AC
IRS990/OtherExpensesGrp/Desc1PROVISION FOR CREDIT LO
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt01746082
IRS990/OtherExpensesGrp/TotalAmt1436637
IRS990/OtherExpensesGrp/TotalAmt2193944
IRS990/OtherLiabilitiesGrp/BOYAmt0133791880
IRS990/OtherLiabilitiesGrp/EOYAmt0139366862
IRS990/OtherOrganizationDsc0CREDIT UNION
IRS990/OtherSalariesAndWagesGrp/TotalAmt02773164
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0119912686
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0128907902
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt0283615
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0151365
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0763987
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0884939
IRS990/PrincipalOfficerNm0DARLYNE KELLER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07075161
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12286409
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21440142
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07075161
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12286409
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21440142
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDED 761 MORTGAGE AND HOME EQUITY LOANS TO MEMBERS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDED CHECKING SERVICE TO 10,626 MEMBER ACCOUNTS;PROVIDED SAVINGS SERVICES TO 20,749 MEMBER ACCOUNTS
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0524617
IRS990/PYOtherExpensesAmt05919281
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt09756971
IRS990/PYRevenuesLessExpensesAmt0644711
IRS990/PYSalariesCompEmpBnftPaidAmt03717596
IRS990/PYTotalExpensesAmt09636877
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt010281588
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0549615
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016504121
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt017490744
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05397741
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04338572
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01780492
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01660079
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt03440571
IRS990ScheduleD/EquipmentGrp/BookValueAmt0853192
IRS990ScheduleD/EquipmentGrp/DepreciationAmt02868597
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt03721789
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt0836154
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0836154
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0139366862
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03469838
IRS990ScheduleD/TotalLiabilityAmt0139366862
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0227610
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1158547
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2155200
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3148268
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt014037
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt19826
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt212710
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt316491
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt30
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DARLYNE KELLER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1TANYA PETERSON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2JODI APPELGREN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm3MATT PAPOCCIA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1EVP
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2VICE PRESIDENT OF FINANCE
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt3VICE PRESIDENT OF LENDING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0241647
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1168373
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2167910
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt3164759
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt20
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt30
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION'S SHARE DEPOSITORS ARE CONSIDERED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ROCK VALLEY'S MEMBERSHIP ELECT THE MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE VICE PRESIDENT OF FINANCE OF THE ORGANIZATION ASSISTS IN THE PREPARATION OF THE 990 AND REVIEWS THE FINAL PREPARED FORM COMPLETED BY AN OUTSIDE CPA FIRM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL INSIDERS OF THE CREDIT UNION HAVE AN OBLIGATION AT ALL TIMES TO PROMOTE THE CREDIT UNION'S BEST INTERESTS. THE CREDIT UNION'S CODE OF ETHICS POLICY REQUIRES THAT ALL PERSONNEL AVOID ANY SITUATION, WHICH DOES OR MAY INVOLVE A CONFLICT, OR APPEARANCE OF CONFLICT, BETWEEN THEIR PERSONAL INTERESTS AND THE INTERESTS OF THE CREDIT UNION. ALL INSIDERS OF THE CREDIT UNION MUST SIGN AND UPDATE THEIR CONFLICT OF INTEREST WHEN HIRED AND ANNUALLY THEREAFTER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION FOR ALL POSITIONS IS APPROVED ANNUALLY BY THE BOARD OF DIRECTORS THROUGH THE BUDGETARY PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE CREDIT UNION MAKES ITS FINANCIAL STATEMENTS AVAILABLE UPON REQUEST, AND MAY ALSO BE FOUND IN THE CREDIT UNION'S ANNUAL REPORT, WHICH IS AVAILABLE AT THE CREDIT UNION'S ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE PROCESS HAS NOT CHANGED FROM THE PRIOR YEAR.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6PART XII, LINE 2C
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0155845592

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