Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2014 • EIN 38-1678297

Jan 01, 2014 to Dec 31, 2014 • Filed on Apr 07, 2015

Organization Profilewww.rrccu.com

View Organization Page

485 S State StreetSparta, MI 49345

(616) 887-8262

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

54th percentile

20.62x

Higher debt load relative to revenue than 54% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

68th percentile

11%

Higher net margin than 68% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

21st percentile

$74,567

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 4.5% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

92nd percentile

8.6%

Faster asset growth than 92% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

50th percentile

-0.6%

Faster revenue growth than 50% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets79th percentile

Assets

Up

$37,837,647

Up $3,004,810 (+8.6%) from 2013

Net Assets

Up

$3,458,530

Up $170,103 (+5.2%) from 2013

Liabilities

Up

$34,379,117

Up $2,834,707 (+9.0%) from 2013

Revenue And Expenses
Liabilities / Revenue54th percentileNet Margin68th percentile

Revenue

Down

$1,666,939

Down $10,621 (-0.6%) from 2013

Expenses

Up

$1,484,727

Up $29,579 (+2.0%) from 2013

Net Income

Down

$182,212

Down $40,200 (-18%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth92nd percentile

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

$100M$50M$0Assets 2010: $34,071,876Liabilities 2010: $31,498,692Net Assets 2010: $2,573,1842010Assets 2011: $33,073,382Liabilities 2011: $30,269,505Net Assets 2011: $2,803,8772011Assets 2012: $34,349,909Liabilities 2012: $31,224,975Net Assets 2012: $3,124,9342012Assets 2013: $34,832,837Liabilities 2013: $31,544,410Net Assets 2013: $3,288,4272013Assets 2014: $37,837,647Liabilities 2014: $34,379,117Net Assets 2014: $3,458,5302014Assets 2015: $40,203,015Liabilities 2015: $36,568,849Net Assets 2015: $3,634,1662015Assets 2016: $40,683,903Liabilities 2016: $36,749,440Net Assets 2016: $3,934,4632016Assets 2017: $40,209,829Liabilities 2017: $35,865,529Net Assets 2017: $4,344,3002017Assets 2018: $63,377,582Liabilities 2018: $56,480,154Net Assets 2018: $6,897,4282018Assets 2019: $64,814,708Liabilities 2019: $57,093,090Net Assets 2019: $7,721,6182019Assets 2020: $80,206,151Liabilities 2020: $71,679,089Net Assets 2020: $8,527,0622020Assets 2021: $89,270,682Liabilities 2021: $80,992,387Net Assets 2021: $8,278,2952021Assets 2022: $93,588,462Liabilities 2022: $87,321,905Net Assets 2022: $6,266,5572022Assets 2023: $93,725,032Liabilities 2023: $87,393,899Net Assets 2023: $6,331,1332023Assets 2024: $96,648,015Liabilities 2024: $89,188,365Net Assets 2024: $7,459,6502024

Highlighted filing

2014

Assets$37,837,647
Liabilities$34,379,117
Net Assets$3,458,530
Open 2014 Filing

Operations Trend

Revenue Growth50th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $1,967,5172010Expenses 2011: $1,632,4782011Expenses 2012: $1,437,5032012Revenue 2013: $1,677,560Expenses 2013: $1,455,148Net Income 2013: $222,4122013Revenue 2014: $1,666,939Expenses 2014: $1,484,727Net Income 2014: $182,2122014Revenue 2015: $1,663,685Expenses 2015: $1,493,396Net Income 2015: $170,2892015Revenue 2016: $1,644,596Expenses 2016: $1,338,685Net Income 2016: $305,9112016Revenue 2017: $1,857,836Expenses 2017: $1,497,509Net Income 2017: $360,3272017Revenue 2018: $4,159,980Expenses 2018: $3,091,641Net Income 2018: $1,068,3392018Revenue 2019: $3,591,350Expenses 2019: $3,041,806Net Income 2019: $549,5442019Revenue 2020: $3,652,692Expenses 2020: $3,157,164Net Income 2020: $495,5282020Revenue 2021: $3,868,845Expenses 2021: $3,339,975Net Income 2021: $528,8702021Revenue 2022: $4,649,637Expenses 2022: $3,858,717Net Income 2022: $790,9202022Revenue 2023: $5,197,802Expenses 2023: $5,776,762Net Income 2023: -$578,9602023Revenue 2024: $5,951,524Expenses 2024: $4,983,073Net Income 2024: $968,4512024

Highlighted filing

2014

Revenue$1,666,939
Expenses$1,484,727
Net Income$182,212
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Apr 7, 2015
Return Version
2014v5.0
Gross Receipts
$1,666,939
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,923,010$16,222,152▲ $299,142
Investments Other Securities$11,564,900$14,703,015▲ $3,138,115
Savings and Temporary Cash Investments$4,670,665$4,019,813▼ $650,852
Rtn Earn Endowment Incm Other Fnds$3,288,427$3,458,530▲ $170,103
Land, Buildings, and Equipment, Net$1,425,460$1,434,701▲ $9,241
Cash and Non-Interest-Bearing Accounts$574,164$913,638▲ $339,474
Prepaid Expenses and Deferred Charges$16,966$16,322▼ $644
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$34,832,837$37,837,647▲ $3,004,810
Other Assets Total$657,672$528,006▼ $129,666
Liabilities
Other Liabilities$31,424,490$34,236,145▲ $2,811,655
Accounts Payable and Accrued Expenses$119,920$142,972▲ $23,052
Total Liabilities$31,544,410$34,379,117▲ $2,834,707
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,288,427$3,458,530▲ $170,103
Total Liabilities and Net Assets / Fund Balance$34,832,837$37,837,647▲ $3,004,810

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,111,807$233,945$1,345,752
Other Land Buildings$62,891$206,054$268,945
Land$228,788-$228,788
Equipment$31,215$91,382$122,597
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Connie Shaw-TraxlerCEOFT$74,567$74,567
Sue DutkiewitczVP OperationsFT$49,966$49,966

Board Members and Trustees

NameTitle
Andrew SharpChairperson
Michael MauerVice Chair
Gordon SlauterDirector
William Scott MontgomeryDirector
Nancy McCrackenSecretary
Glen ShecklerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,467,557
Investment Income
$196,354
Other Revenue
$3,028
Change in Net Assets
$182,212
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$922,476
Salaries, Compensation, and Employee Benefits$562,251
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$286,116
Occupancy---$134,229
Current Officers, Directors, Trustees, and Key Employees---$124,533
Other Employee Benefits---$109,583
Interest---$103,262
Office Expenses---$86,471
All Other Expenses---$77,039
Information Technology---$68,908
Other Expenses---$44,885
Payroll Taxes---$42,019
Depreciation Depletion---$29,438
Insurance---$25,110
Travel---$24,982
Advertising---$15,930
Total Functional Expenses$0$0$0$1,484,727
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

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

Other Reported Liabilities

LiabilityAmount
Member Shares$20,650,171
Member Deposits$13,585,974
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder

“Section 501c(14) Credit Union is composed of members.”

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

“Mergers are voted on by the entire membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.”

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

“Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.”

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

“Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.”

Filing and Contact Details

Filer

Filer Name
Rogue River Community Credit Union
EIN
38-1678297
Phone
6168878262
Address
485 S State Street, Sparta, MI 49345

Signing Officer

Name
Connie Shaw-Traxler
Title
CEO
Signed
2015-04-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Connie Shaw-Traxler
Formed
1956
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
18
Volunteers
9

Preparer

Firm
Financial Standards Group Inc
Address
3615 NEWBURG ROAD, LOUISVILLE, KY 40218
Preparer
Robin Rivers
Phone
8005225820
Raw XML AppendixShowing 400 of 405 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/BOYAmt0119920
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0142972
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Provide financial services and products to members.
IRS990/AdvertisingGrp/TotalAmt015930
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt077039
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0false
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Connie Traxler
IRS990/BooksInCareOfDetail/PhoneNum06168878262
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0485 S State Street
IRS990/BooksInCareOfDetail/USAddress/CityNm0Sparta
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd049345
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0574164
IRS990/CashNonInterestBearingGrp/EOYAmt0913638
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0124533
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0196354
IRS990/CYOtherExpensesAmt0922476
IRS990/CYOtherRevenueAmt03028
IRS990/CYProgramServiceRevenueAmt01467557
IRS990/CYRevenuesLessExpensesAmt0182212
IRS990/CYSalariesCompEmpBnftPaidAmt0562251
IRS990/CYTotalExpensesAmt01484727
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01666939
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt029438
IRS990/Desc0The Credit Union provides several deposit account types to members including savings, checking, certificates and other. The total number of members at 12/31/2014 was 6,381.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt018
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/EscrowAccountInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt640.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
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/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/PersonNm0Andrew Sharp
IRS990/Form990PartVIISectionAGrp/PersonNm1William Scott Montgomery
IRS990/Form990PartVIISectionAGrp/PersonNm2Gordon Slauter
IRS990/Form990PartVIISectionAGrp/PersonNm3Michael Mauer
IRS990/Form990PartVIISectionAGrp/PersonNm4Nancy McCracken
IRS990/Form990PartVIISectionAGrp/PersonNm5Glen Sheckler
IRS990/Form990PartVIISectionAGrp/PersonNm6Connie Shaw-Traxler
IRS990/Form990PartVIISectionAGrp/PersonNm7Sue Dutkiewitcz
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt674567
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt749966
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/TitleTxt0Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt6CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt7VP Operations
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0true
IRS990/FormationYr01956
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt06
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01666939
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt068908
IRS990/InsuranceGrp/TotalAmt025110
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0103262
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0196354
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0196354
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt011564900
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt014703015
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0531381
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01425460
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01434701
IRS990/LandBldgEquipCostOrOtherBssAmt01966082
IRS990/LegalDomicileStateCd0MI
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Provide financial services and products to members.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03288427
IRS990/NetAssetsOrFundBalancesEOYAmt03458530
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-12109
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0134229
IRS990/OfficeExpensesGrp/TotalAmt086471
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0657672
IRS990/OtherAssetsTotalGrp/EOYAmt0528006
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0109583
IRS990/OtherExpensesGrp/Desc0ATM Expense
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc2Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc3Prof & Outside Services
IRS990/OtherExpensesGrp/TotalAmt0143609
IRS990/OtherExpensesGrp/TotalAmt1102312
IRS990/OtherExpensesGrp/TotalAmt266301
IRS990/OtherExpensesGrp/TotalAmt344885
IRS990/OtherLiabilitiesGrp/BOYAmt031424490
IRS990/OtherLiabilitiesGrp/EOYAmt034236145
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/Desc0Non Member ATM Fees
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt03028
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt03028
IRS990/OtherRevenueTotalAmt03028
IRS990/OtherSalariesAndWagesGrp/TotalAmt0286116
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt015923010
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt016222152
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt042019
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt016966
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt016322
IRS990/PrincipalOfficerNm0Connie Shaw-Traxler
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Courtesy Pay Fees
IRS990/ProgramServiceRevenueGrp/Desc1Draft Account Fees
IRS990/ProgramServiceRevenueGrp/Desc2Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc3Other Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc4VISA & Debit Interchange
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0104520
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt199004
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2908023
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3106106
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4249904
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0104520
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt199004
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2908023
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3106106
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4249904
IRS990/ProgSrvcAccomActy2Grp/Desc0The Credit Union provides a variety of loans to members including real estate, credit card, vehicle and other. The total number of loans outstanding at 12/31/2014 was 2,354.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0167459
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0930166
IRS990/PYOtherRevenueAmt022150
IRS990/PYProgramServiceRevenueAmt01487951
IRS990/PYRevenuesLessExpensesAmt0222412
IRS990/PYSalariesCompEmpBnftPaidAmt0524982
IRS990/PYTotalExpensesAmt01455148
IRS990/PYTotalRevenueAmt01677560
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0182212
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03288427
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03458530
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04670665
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04019813
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01111807
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0233945
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01345752
IRS990ScheduleD/EquipmentGrp/BookValueAmt031215
IRS990ScheduleD/EquipmentGrp/DepreciationAmt091382
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0122597
IRS990ScheduleD/LandGrp/BookValueAmt0228788
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0228788
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt062891
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0206054
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0268945
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt013585974
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt120650171
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Member Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01434701
IRS990ScheduleD/TotalBookValueSecuritiesAmt014703015
IRS990ScheduleD/TotalLiabilityAmt034236145
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Section 501c(14) Credit Union is composed of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members vote on bylaw and charter changes. Members vote and elect Board members at annual meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Mergers are voted on by the entire membership.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews tax returns and forwards US Form 8879-EO to tax preparer. Board reviews filed tax returns at next scheduled meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Employee loans are Management approved. Management loans are Board approved. Loans to Board members are approved by the Board minus the lendee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Executive and employee salaries are Board reviewed and approved. Board of directors are not compensated.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Credit union bylaws and conflict of interest policy are available upon request at the credit union's main office. Quarterly financial statements are displayed in the lobby which is accessible to the general public. Quarterly financial performance (Call) reports are also available at www.ncua.gov for all federally insured credit unions.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt034832837
IRS990/TotalAssetsEOYAmt037837647
IRS990/TotalAssetsGrp/BOYAmt034832837
IRS990/TotalAssetsGrp/EOYAmt037837647
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt018
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01484727
IRS990/TotalGrossUBIAmt03028
IRS990/TotalLiabilitiesBOYAmt031544410
IRS990/TotalLiabilitiesEOYAmt034379117
IRS990/TotalLiabilitiesGrp/BOYAmt031544410
IRS990/TotalLiabilitiesGrp/EOYAmt034379117
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03288427
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03458530
IRS990/TotalProgramServiceRevenueAmt01467557
IRS990/TotalReportableCompFromOrgAmt0124533
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01663911
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01666939
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03028
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt034832837
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt037837647
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt024982
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0485 S State Street
IRS990/USAddress/CityNm0Sparta
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049345
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0http://www.rrccu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Connie Shaw-Traxler
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-04-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Rogue River Community Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0ROGU
ReturnHeader/Filer/EIN0381678297
ReturnHeader/Filer/PhoneNum06168878262
ReturnHeader/Filer/USAddress/AddressLine1Txt0485 S State Street
ReturnHeader/Filer/USAddress/CityNm0Sparta
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049345
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0FINANCIAL STANDARDS GROUP INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03615 NEWBURG ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LOUISVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040218
ReturnHeader/PreparerPersonGrp/PhoneNum08005225820
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robin Rivers

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$37,837,647
Liabilities
$34,379,117
Net assets
$3,458,530
Revenue
$1,666,939
Expenses
$1,484,727
Net income
$182,212
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$96.6$89.2$7.46$5.95$4.98$0.97
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$93.7$87.4$6.33$5.20$5.78$0.58
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$93.6$87.3$6.27$4.65$3.86$0.79
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$89.3$81.0$8.28$3.87$3.34$0.53
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.2$71.7$8.53$3.65$3.16$0.50
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$64.8$57.1$7.72$3.59$3.04$0.55
2018Summary only. Only limited summary data is available for this year.$63.4$56.5$6.90$4.16$3.09$1.07
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$40.2$35.9$4.34$1.86$1.50$0.36
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.7$36.7$3.93$1.64$1.34$0.31
2015Detailed filing. Detailed filing data is available for this year.$40.2$36.6$3.63$1.66$1.49$0.17
2014Detailed filing. Detailed filing data is available for this year.$37.8$34.4$3.46$1.67$1.48$0.18
2013Detailed filing. Detailed filing data is available for this year.$34.8$31.5$3.29$1.68$1.46$0.22
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.3$31.2$3.12$1.44
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.1$30.3$2.80$1.63
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$34.1$31.5$2.57$1.97