Liabilities / Assets
84th percentile
Higher debt load relative to assets than 84% of similar nonprofits.
990 • Fiscal year 2016 • EIN 36-2889811
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
84th percentile
Higher debt load relative to assets than 84% of similar nonprofits.
Liabilities / Revenue
52nd percentile
Higher debt load relative to revenue than 52% of similar nonprofits.
Net Margin
53rd percentile
Higher net margin than 53% of similar nonprofits.
Top Officer Pay
36th percentile
Higher top officer pay than 36% of similar nonprofits.
Top officer pay equals 6.6% of source-year revenue.
Asset Growth
28th percentile
Faster asset growth than 28% of similar nonprofits.
Revenue Growth
64th percentile
Faster revenue growth than 64% of similar nonprofits.
Assets
Up$28,852,023
Up $255,728 (+0.9%) from 2015
Net Assets
Up$2,521,440
Up $109,477 (+4.5%) from 2015
Liabilities
Up$26,330,583
Up $146,251 (+0.6%) from 2015
Revenue
Up$1,267,475
Up $61,070 (+5.1%) from 2015
Expenses
Up$1,157,998
Up $17,974 (+1.6%) from 2015
Net Income
Up$109,477
Up $43,096 (+65%) from 2015
Riverside Credit Union is committed to providing quality financial services while keeping with the "people helping people" philosophy.
State chartered credit union providing quality financial services
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $12,601,134 | $13,129,578 | ▲ $528,444 |
| Investments in Publicly Traded Securities | $11,675,190 | $11,734,411 | ▲ $59,221 |
| Rtn Earn Endowment Incm Other Fnds | $2,411,963 | $2,521,440 | ▲ $109,477 |
| Savings and Temporary Cash Investments | $1,628,021 | $1,617,437 | ▼ $10,584 |
| Land, Buildings, and Equipment, Net | $1,434,793 | $1,358,965 | ▼ $75,828 |
| Cash and Non-Interest-Bearing Accounts | $757,781 | $487,313 | ▼ $270,468 |
| Prepaid Expenses and Deferred Charges | $159,763 | $167,420 | ▲ $7,657 |
| Pd in Cap Srpls Land Bldg Eqp Fund | $0 | $0 | → $0 |
| Cap Stk Tr Prin Current Funds | $0 | $0 | → $0 |
| Total Assets | $28,596,295 | $28,852,023 | ▲ $255,728 |
| Other Assets Total | $339,613 | $356,899 | ▲ $17,286 |
| Liabilities | |||
| Other Liabilities | $26,052,251 | $26,148,843 | ▲ $96,592 |
| Accounts Payable and Accrued Expenses | $132,081 | $181,740 | ▲ $49,659 |
| Total Liabilities | $26,184,332 | $26,330,583 | ▲ $146,251 |
| Net Assets / Fund Balance | |||
| Total Net Assets Fund Balance | $2,411,963 | $2,521,440 | ▲ $109,477 |
| Total Liabilities and Net Assets / Fund Balance | $28,596,295 | $28,852,023 | ▲ $255,728 |
| Asset | Book Value | Depreciation | Basis |
|---|---|---|---|
| Buildings | $845,544 | $548,870 | $1,394,414 |
| Land | $468,140 | - | $468,140 |
| Other Land Buildings | $45,281 | $136,836 | $182,117 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Janet Francoeur | President | FT | $81,558 | $2,487 | $84,045 |
| Name | Title |
|---|---|
| Dale Tolly | Chairman |
| Vern Mitchell | Vice Chairman |
| Don Haag | Board member |
| Richard Hardaway | Board member |
| Ron Ruda | Board member |
| Barb Johnson | Secretary |
| Dick Diepeveen | Treasurer |
| Line Item | Amount |
|---|---|
| Other Expenses | $672,411 |
| Salaries, Compensation, and Employee Benefits | $485,587 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Total Fundraising Expense | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Office Expenses | - | - | - | $362,737 |
| Other Salaries and Wages | - | - | - | $341,326 |
| Current Officers, Directors, Trustees, and Key Employees | - | - | - | $84,045 |
| Depreciation Depletion | - | - | - | $73,585 |
| Occupancy | - | - | - | $72,302 |
| Other Employee Benefits | - | - | - | $38,355 |
| Advertising | - | - | - | $31,515 |
| Fees for Services Accounting | - | - | - | $20,071 |
| Pension Plan Contributions | - | - | - | $13,295 |
| Payroll Taxes | - | - | - | $8,566 |
| Conferences and Meetings | - | - | - | $8,401 |
| Other Expenses | - | - | - | $6,900 |
| All Other Expenses | - | - | - | $5,292 |
| Fees for Services Other | - | - | - | $1,339 |
| Fees for Services Legal | - | - | - | $1,325 |
| Travel | - | - | - | $950 |
| Total Functional Expenses | $0 | $0 | $0 | $1,157,998 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $1,157,998 |
| Total Expenses per Audited Statements | $1,157,998 |
| Total Expenses per Form 990 | $1,157,998 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
| Line Item | Amount |
|---|---|
| Total Exempt Function Spending | $250 |
| Section 527 Activity Spending | $0 |
| Organization | Location | Amount |
|---|---|---|
| 36-3092340 | Naperville, IL | $250 |
| Liability | Amount |
|---|---|
| Member shares | $26,148,843 |
“The Organization's membership consists of individuals with funds on deposit with the Credit Union.”
“The membership participates in the annual meeting of the members and the election of the Board of Directors.”
“The bylaws of the Credit Union may be amended by a majority vote of the members at any annual meeting or at a special meeting called for this purpose.”
“The Form 990 was provided to the Board of Directors prior to filing.”
“Board members and employees are encouraged to report conflicts as they occur.”
“Governing documents and financial statements made available upon request”
“PART X, #2. FIN 48 note from Audited Financial Statements Riverside Community Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described above. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2015 and 2014 that management believes is subject to taxation. The Credit Union's 2013 through 2016 annual information returns filed with the Internal Revenue Service are open to examination.”
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 | 132081 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 181740 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | State chartered credit union providing quality financial services |
| IRS990/AdvertisingGrp/TotalAmt | 0 | 31515 |
| IRS990/AllOtherExpensesGrp/TotalAmt | 0 | 5292 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | Melissa Bayston |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 8159331101 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 185 N Fraser |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | Kankakee |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 60901 |
| 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 | 757781 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 487313 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 84045 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 0 |
| IRS990/CompensationProcessOtherInd | 0 | 0 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 8401 |
| 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 | 178770 |
| IRS990/CYOtherExpensesAmt | 0 | 672411 |
| IRS990/CYOtherRevenueAmt | 0 | 0 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 1088705 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 109477 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 485587 |
| IRS990/CYTotalExpensesAmt | 0 | 1157998 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 0 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 1267475 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 1 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/DepreciationDepletionGrp/TotalAmt | 0 | 73585 |
| IRS990/Desc | 0 | Credit Union makes and services consumer loans to members. Total number of loans outstanding, including Visa accounts at 12/31/16 was 1,478 for a total of $13,173,463. |
| IRS990/DescribedInSection501c3Ind | 0 | 0 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 1 |
| IRS990/EmployeeCnt | 0 | 12 |
| IRS990/EmploymentTaxReturnsFiledInd | 0 | 1 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 20071 |
| IRS990/FeesForServicesLegalGrp/TotalAmt | 0 | 1325 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 1339 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 5.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 4.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 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/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 4 | 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 | 2487 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | Dale Tolly |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | Vern Mitchell |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | Dick Diepeveen |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | Barb Johnson |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | Richard Hardaway |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | Don Haag |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | Ron Ruda |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | Janet Francoeur |
| 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 | 81558 |
| 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/TitleTxt | 0 | Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | Vice Chairman |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | Treasurer |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | Secretary |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | Board member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | Board member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | Board member |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | President |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 1976 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 7 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 1267475 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 7 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt | 0 | 178770 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 178770 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/InvestmentsPubTradedSecGrp/BOYAmt | 0 | 11675190 |
| IRS990/InvestmentsPubTradedSecGrp/EOYAmt | 0 | 11734411 |
| IRS990/IRPDocumentCnt | 0 | 820 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LandBldgEquipAccumDeprecAmt | 0 | 685706 |
| IRS990/LandBldgEquipBasisNetGrp/BOYAmt | 0 | 1434793 |
| IRS990/LandBldgEquipBasisNetGrp/EOYAmt | 0 | 1358965 |
| IRS990/LandBldgEquipCostOrOtherBssAmt | 0 | 2044671 |
| IRS990/LegalDomicileStateCd | 0 | IL |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 1 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 1 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 1 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | Riverside Credit Union is committed to providing quality financial services while keeping with the "people helping people" philosophy. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 2411963 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 2521440 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 72302 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 362737 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501cInd | 0 | X |
| IRS990/OrgDoesNotFollowSFAS117Ind | 0 | X |
| IRS990/OtherAssetsTotalGrp/BOYAmt | 0 | 339613 |
| IRS990/OtherAssetsTotalGrp/EOYAmt | 0 | 356899 |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 38355 |
| IRS990/OtherExpensesGrp/Desc | 0 | Member dividends |
| IRS990/OtherExpensesGrp/Desc | 1 | Loan servicing |
| IRS990/OtherExpensesGrp/Desc | 2 | Association Dues |
| IRS990/OtherExpensesGrp/Desc | 3 | Provision for loan loss |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 52915 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 23745 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 11334 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 6900 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 26052251 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 26148843 |
| IRS990/OtherOrganizationDsc | 0 | Cooperative |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 341326 |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 12601134 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 13129578 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 8566 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt | 0 | 0 |
| IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt | 0 | 0 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 13295 |
| IRS990/PoliciesReferenceChaptersInd | 0 | 1 |
| IRS990/PoliticalCampaignActyInd | 0 | 1 |
| IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt | 0 | 159763 |
| IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt | 0 | 167420 |
| IRS990/PrincipalOfficerNm | 0 | Melissa Bayston |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522100 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522100 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | Interest-member loans |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | Fees & service charges |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 679917 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 408788 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 679917 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 408788 |
| IRS990/ProgSrvcAccomActy2Grp/Desc | 0 | Credit Union pays out dividends to its members share deposit accounts at a market rate of interest. Total number of share accounts at 12/31/2016 was 6,507 for a total of $26,148,843. |
| IRS990/ProgSrvcAccomActy3Grp/Desc | 0 | Other financial services provided to over 4,000 members. |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 156136 |
| IRS990/PYOtherExpensesAmt | 0 | 686733 |
| IRS990/PYOtherRevenueAmt | 0 | 0 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 1050269 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 66381 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 453291 |
| IRS990/PYTotalExpensesAmt | 0 | 1140024 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1206405 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 109477 |
| 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 | 2411963 |
| IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt | 0 | 2521440 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1628021 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 1617437 |
| IRS990/ScheduleBRequiredInd | 0 | 0 |
| IRS990ScheduleC/Expended527ActivitiesAmt | 0 | 0 |
| IRS990ScheduleC/Form1120POLFiledInd | 0 | 1 |
| IRS990ScheduleC/InternalFundsContributedAmt | 0 | 250 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/EIN | 0 | 363092340 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt | 0 | CUPAC |
| IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt | 0 | 250 |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt | 0 | 1807 W Diehl Road |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm | 0 | Naperville |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd | 0 | 60566 |
| IRS990ScheduleC/TotalExemptFunctionExpendAmt | 0 | 250 |
| IRS990ScheduleD/BuildingsGrp/BookValueAmt | 0 | 845544 |
| IRS990ScheduleD/BuildingsGrp/DepreciationAmt | 0 | 548870 |
| IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 1394414 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 1157998 |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/LandGrp/BookValueAmt | 0 | 468140 |
| IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt | 0 | 468140 |
| IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt | 0 | 45281 |
| IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt | 0 | 136836 |
| IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt | 0 | 182117 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt | 0 | 26148843 |
| IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc | 0 | Member shares |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 1267475 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | PART X, #2. FIN 48 note from Audited Financial Statements Riverside Community Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described above. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2015 and 2014 that management believes is subject to taxation. The Credit Union's 2013 through 2016 annual information returns filed with the Internal Revenue Service are open to examination. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Part X, Line 2: |
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| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 1157998 |
| IRS990ScheduleD/TotalLiabilityAmt | 0 | 26148843 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 1267475 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 1267475 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 1157998 |
| IRS990/ScheduleJRequiredInd | 0 | 0 |
| IRS990/ScheduleORequiredInd | 0 | 1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | The Organization's membership consists of individuals with funds on deposit with the Credit Union. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | The membership participates in the annual meeting of the members and the election of the Board of Directors. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | The bylaws of the Credit Union may be amended by a majority vote of the members at any annual meeting or at a special meeting called for this purpose. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | The Form 990 was provided to the Board of Directors prior to filing. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Board members and employees are encouraged to report conflicts as they occur. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Governing documents and financial statements made 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 C, line 19 |
| IRS990/SchoolOperatingInd | 0 | 0 |
| IRS990/SignificantChangeInd | 0 | 0 |
| IRS990/SignificantNewProgramSrvcInd | 0 | 0 |
| IRS990/SubjectToProxyTaxInd | 0 | 0 |
| IRS990/TaxablePartyNotificationInd | 0 | 0 |
| IRS990/TaxExemptBondsInd | 0 | 0 |
| IRS990/TempOrPermanentEndowmentsInd | 0 | 0 |
| IRS990/TerminateOperationsInd | 0 | 0 |
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| IRS990/TotalAssetsEOYAmt | 0 | 28852023 |
| IRS990/TotalAssetsGrp/BOYAmt | 0 | 28596295 |
| IRS990/TotalAssetsGrp/EOYAmt | 0 | 28852023 |
| IRS990/TotalCompGreaterThan150KInd | 0 | 0 |
| IRS990/TotalEmployeeCnt | 0 | 12 |
| IRS990/TotalFunctionalExpensesGrp/TotalAmt | 0 | 1157998 |
| IRS990/TotalGrossUBIAmt | 0 | 0 |
| IRS990/TotalLiabilitiesBOYAmt | 0 | 26184332 |
| IRS990/TotalLiabilitiesEOYAmt | 0 | 26330583 |
| IRS990/TotalLiabilitiesGrp/BOYAmt | 0 | 26184332 |
| IRS990/TotalLiabilitiesGrp/EOYAmt | 0 | 26330583 |
| IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt | 0 | 2411963 |
| IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt | 0 | 2521440 |
| IRS990/TotalOtherCompensationAmt | 0 | 2487 |
| IRS990/TotalProgramServiceRevenueAmt | 0 | 1088705 |
| IRS990/TotalReportableCompFromOrgAmt | 0 | 81558 |
| IRS990/TotalRevenueGrp/ExclusionAmt | 0 | 0 |
| IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 1267475 |
| IRS990/TotalRevenueGrp/TotalRevenueColumnAmt | 0 | 1267475 |
| IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt | 0 | 0 |
| IRS990/TotalVolunteersCnt | 0 | 8 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt | 0 | 28596295 |
| IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt | 0 | 28852023 |
| IRS990/TotReportableCompRltdOrgAmt | 0 | 0 |
| IRS990/TravelGrp/TotalAmt | 0 | 950 |
| IRS990/TypeOfOrganizationOtherInd | 0 | X |
| IRS990/UnrelatedBusIncmOverLimitInd | 0 | 0 |
| IRS990/UponRequestInd | 0 | X |
| IRS990/USAddress/AddressLine1Txt | 0 | 185 N Fraser Avenue |
| IRS990/USAddress/CityNm | 0 | Kankakee |
| IRS990/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990/USAddress/ZIPCd | 0 | 60901 |
| IRS990/VotingMembersGoverningBodyCnt | 0 | 7 |
| IRS990/VotingMembersIndependentCnt | 0 | 7 |
| IRS990/WebsiteAddressTxt | 0 | www.riversidecu.com |
| IRS990/WhistleblowerPolicyInd | 0 | 1 |
| ReturnHeader/BuildTS | 0 | 2017-02-10 21:41:12Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Melissa Bayston |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Co-CEO |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 8159331101 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2017-04-28 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Riverside Community Credit Union |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | RIVE |
| ReturnHeader/Filer/EIN | 0 | 362889811 |
| ReturnHeader/Filer/PhoneNum | 0 | 8159331101 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 185 N Fraser Avenue |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Kankakee |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 60901 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 6C9B1A35775087DBDB8A6D25ECA509C7F6C27838 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 6C9B1A35775087DBDB8A6D25ECA509C7F6C27838 |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 96.84.64.45 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2017-04-28 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CD |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 15:49:56 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 363321958 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | Desmond & Ahern Ltd |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 10827 S Western Ave |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Chicago |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 60643 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 7737794720 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2017-04-28 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | David J Rambo |
| ReturnHeader/ReturnTs | 0 | 2017-04-28T15:53:35-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2016-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2016-12-31 |
| ReturnHeader/TaxYr | 0 | 2016 |
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Displayed year
2016 • Form 990Detailed filing. Detailed filing data is available for this year.