Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2015 • EIN 38-1678297

Jan 01, 2015 to Dec 31, 2015 • Filed on May 06, 2016

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

81st percentile

0.91x

Higher debt load relative to assets than 81% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

61st percentile

21.98x

Higher debt load relative to revenue than 61% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

60th percentile

10%

Higher net margin than 60% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

75th percentile

6.3%

Faster asset growth than 75% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

38th percentile

-0.2%

Faster revenue growth than 38% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets81st percentile

Assets

Up

$40,203,015

Up $2,365,368 (+6.3%) from 2014

Net Assets

Up

$3,634,166

Up $175,636 (+5.1%) from 2014

Liabilities

Up

$36,568,849

Up $2,189,732 (+6.4%) from 2014

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin60th percentile

Revenue

Down

$1,663,685

Down $3,254 (-0.2%) from 2014

Expenses

Up

$1,493,396

Up $8,669 (+0.6%) from 2014

Net Income

Down

$170,289

Down $11,923 (-6.5%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth75th 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

2015

Assets$40,203,015
Liabilities$36,568,849
Net Assets$3,634,166
Open 2015 Filing

Operations Trend

Revenue Growth38th 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

2015

Revenue$1,663,685
Expenses$1,493,396
Net Income$170,289
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
May 6, 2016
Return Version
2015v2.0
Gross Receipts
$1,663,685
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$14,703,015$17,451,000▲ $2,747,985
Other Notes and Loans Receivable, Net$16,222,152$15,765,828▼ $456,324
Rtn Earn Endowment Incm Other Fnds$3,458,530$3,634,166▲ $175,636
Savings and Temporary Cash Investments$4,019,813$3,439,515▼ $580,298
Land, Buildings, and Equipment, Net$1,434,701$1,364,890▼ $69,811
Investments in Publicly Traded Securities-$888,992-
Cash and Non-Interest-Bearing Accounts$913,638$829,290▼ $84,348
Prepaid Expenses and Deferred Charges$16,322$16,774▲ $452
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$37,837,647$40,203,015▲ $2,365,368
Other Assets Total$528,006$446,726▼ $81,280
Liabilities
Other Liabilities$34,236,145$36,508,945▲ $2,272,800
Accounts Payable and Accrued Expenses$142,972$59,904▼ $83,068
Total Liabilities$34,379,117$36,568,849▲ $2,189,732
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,458,530$3,634,166▲ $175,636
Total Liabilities and Net Assets / Fund Balance$37,837,647$40,203,015▲ $2,365,368

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,078,116$267,636$1,345,752
Other Land Buildings$47,641$220,840$268,481
Land$228,788-$228,788
Equipment$10,345$89,670$100,015
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Andrew SharpChairperson
Michael MauerVice Chair
Kevin PinckneyDirector
Nancy McCrackenDirector
William Scott MontgomeryDirector
Erika BauerCEO
Gordon SlauterSecretary
Glen ShecklerTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Dominion Tax ManagementTax ManagementPO Box 9592, Wyoming, MI 49509$120,691
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,380,775
Investment Income
$261,314
Other Revenue
$21,596
Change in Net Assets
$170,289
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$944,314
Salaries, Compensation, and Employee Benefits$549,082
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$399,029
Occupancy---$140,484
Other Employee Benefits---$113,291
Interest---$105,632
All Other Expenses---$81,607
Information Technology---$79,813
Office Expenses---$62,183
Other Expenses---$44,652
Depreciation Depletion---$37,441
Payroll Taxes---$36,762
Travel---$32,979
Insurance---$26,198
Advertising---$8,003
Fees for Services Legal---$248
Total Functional Expenses$0$0$0$1,493,396
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
Total Shares$36,508,945
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
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
Erika Bauer
Title
CEO
Signed
2016-05-06
Discuss with paid preparer
Yes

Organization Details

Formed
1956
Legal Domicile
Mi
Voting Board Members
6
Independent Board Members
6
Employees
19
Volunteers
7

Preparer

Firm
Financial Standards Group Inc
Address
3615 NEWBURG RD, LOUISVILLE, KY 40218
Preparer
William Arvo CPA
Phone
8005225820
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Increases

“Gain Booked Direct to Undivided Earnings = $471”

Raw XML AppendixShowing 400 of 411 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/OtherExpensesGrp/TotalAmt0130580
IRS990/OtherExpensesGrp/TotalAmt1105266
IRS990/OtherExpensesGrp/TotalAmt289228
IRS990/OtherExpensesGrp/TotalAmt344652
IRS990/OtherLiabilitiesGrp/BOYAmt034236145
IRS990/OtherLiabilitiesGrp/EOYAmt036508945
IRS990/OtherRevenueMiscGrp/BusinessCd0524298
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0Insurance
IRS990/OtherRevenueMiscGrp/Desc1Non Member ATM Fees
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt018564
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt018564
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt13032
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt03032
IRS990/OtherRevenueTotalAmt021596
IRS990/OtherSalariesAndWagesGrp/TotalAmt0399029
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt016222152
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt015765828
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt036762
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt016322
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt016774
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/RelatedOrExemptFuncIncomeAmt071790
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt186390
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2879441
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt387653
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4255501
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt071790
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt186390
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2879441
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt387653
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4255501
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 12/31/2015 was 2,337.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0196354
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0922476
IRS990/PYOtherRevenueAmt03028
IRS990/PYProgramServiceRevenueAmt01467557
IRS990/PYRevenuesLessExpensesAmt0182212
IRS990/PYSalariesCompEmpBnftPaidAmt0562251
IRS990/PYTotalExpensesAmt01484727
IRS990/PYTotalRevenueAmt01666939
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0170289
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03458530
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03634166
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04019813
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03439515
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01078116
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0267636
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01345752
IRS990ScheduleD/EquipmentGrp/BookValueAmt010345
IRS990ScheduleD/EquipmentGrp/DepreciationAmt089670
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0100015
IRS990ScheduleD/LandGrp/BookValueAmt0228788
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0228788
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt047641
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0220840
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0268481
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt036508945
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01364890
IRS990ScheduleD/TotalBookValueSecuritiesAmt017451000
IRS990ScheduleD/TotalLiabilityAmt036508945
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/ExplanationTxt7Gain Booked Direct to Undivided Earnings = $471
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Changes In Net Assets Or Fund Balances - Other Increases
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt037837647
IRS990/TotalAssetsEOYAmt040203015
IRS990/TotalAssetsGrp/BOYAmt037837647
IRS990/TotalAssetsGrp/EOYAmt040203015
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt019
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01493396
IRS990/TotalGrossUBIAmt03032
IRS990/TotalLiabilitiesBOYAmt034379117
IRS990/TotalLiabilitiesEOYAmt036568849
IRS990/TotalLiabilitiesGrp/BOYAmt034379117
IRS990/TotalLiabilitiesGrp/EOYAmt036568849
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03458530
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03634166
IRS990/TotalProgramServiceRevenueAmt01380775
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01660653
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01663685
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt03032
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt037837647
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt040203015
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt032979
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0http://www.rrccu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Erika Bauer
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-05-06
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

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$40,203,015
Liabilities
$36,568,849
Net assets
$3,634,166
Revenue
$1,663,685
Expenses
$1,493,396
Net income
$170,289
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
Peer Organizations

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