Civic Intelligence

Credit Unions Chartered in the State of Michigan

990 • Fiscal year 2017 • EIN 38-6119310

Jan 01, 2017 to Dec 31, 2017 • Filed on Apr 23, 2018

Organization Profilewww.myrivervalleycu.org

View Organization Page

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7177 Headley St SEAda, MI 49301

(616) 787-7481

Siviq Scores

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

Liabilities / Assets

90th percentile

0.92x

Higher debt load relative to assets than 90% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Liabilities / Revenue

48th percentile

18.67x

Higher debt load relative to revenue than 48% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Net Margin

71st percentile

14%

Higher net margin than 71% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Top Officer Pay

27th percentile

$115,709

Higher top officer pay than 27% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2017

Asset Growth

18th percentile

-0.5%

Faster asset growth than 18% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Revenue Growth

52nd percentile

5.4%

Faster revenue growth than 52% of similar nonprofits.

2017 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets90th percentile

Assets

Down

$89,464,269

Down $490,735 (-0.5%) from 2016

Net Assets

Up

$7,217,546

Up $624,698 (+9.5%) from 2016

Liabilities

Down

$82,246,723

Down $1,115,433 (-1.3%) from 2016

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin71st percentile

Revenue

Up

$4,404,689

Up $224,767 (+5.4%) from 2016

Expenses

Down

$3,779,991

Down $1,771,885 (-32%) from 2016

Net Income

Up

$624,698

Up $1,996,652 (+146%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth18th percentile

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

$150M$100M$50M$0Assets 2010: $58,806,190Liabilities 2010: $53,062,172Net Assets 2010: $5,744,0182010Assets 2011: $64,595,352Liabilities 2011: $58,603,270Net Assets 2011: $5,992,0822011Assets 2012: $68,297,968Liabilities 2012: $61,874,954Net Assets 2012: $6,423,0142012Assets 2013: $71,694,854Liabilities 2013: $64,890,184Net Assets 2013: $6,804,6702013Assets 2014: $83,364,617Liabilities 2014: $75,726,153Net Assets 2014: $7,638,4642014Assets 2015: $84,833,543Liabilities 2015: $76,868,741Net Assets 2015: $7,964,8022015Assets 2016: $89,955,004Liabilities 2016: $83,362,156Net Assets 2016: $6,592,8482016Assets 2017: $89,464,269Liabilities 2017: $82,246,723Net Assets 2017: $7,217,5462017Assets 2018: $91,555,314Liabilities 2018: $83,816,523Net Assets 2018: $7,738,7912018Assets 2019: $92,161,008Liabilities 2019: $83,651,730Net Assets 2019: $8,509,2782019Assets 2020: $112,413,060Liabilities 2020: $104,175,095Net Assets 2020: $8,237,9652020Assets 2021: $126,081,454Liabilities 2021: $116,746,471Net Assets 2021: $9,334,9832021Assets 2022: $128,937,343Liabilities 2022: $117,373,484Net Assets 2022: $11,563,8592022Assets 2023: $120,399,657Liabilities 2023: $107,571,390Net Assets 2023: $12,828,2672023

Highlighted filing

2017

Assets$89,464,269
Liabilities$82,246,723
Net Assets$7,217,546
Open 2017 Filing

Operations Trend

Revenue Growth52nd percentile

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

$8.0M$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $3,024,2212010Expenses 2011: $2,732,9172011Revenue 2012: $3,133,163Expenses 2012: $2,702,231Net Income 2012: $430,9322012Revenue 2013: $3,268,512Expenses 2013: $2,886,856Net Income 2013: $381,6562013Revenue 2014: $3,341,624Expenses 2014: $3,073,481Net Income 2014: $268,1432014Revenue 2015: $3,977,819Expenses 2015: $3,651,481Net Income 2015: $326,3382015Revenue 2016: $4,179,922Expenses 2016: $5,551,876Net Income 2016: -$1,371,9542016Revenue 2017: $4,404,689Expenses 2017: $3,779,991Net Income 2017: $624,6982017Revenue 2018: $4,642,594Expenses 2018: $4,121,349Net Income 2018: $521,2452018Revenue 2019: $4,886,643Expenses 2019: $4,116,156Net Income 2019: $770,4872019Revenue 2020: $4,765,360Expenses 2020: $5,036,673Net Income 2020: -$271,3132020Revenue 2021: $4,948,974Expenses 2021: $3,851,956Net Income 2021: $1,097,0182021Revenue 2022: $6,576,697Expenses 2022: $4,347,821Net Income 2022: $2,228,8762022Revenue 2023: $6,251,594Expenses 2023: $4,907,186Net Income 2023: $1,344,4082023

Highlighted filing

2017

Revenue$4,404,689
Expenses$3,779,991
Net Income$624,698
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Apr 23, 2018
Return Version
2017v2.2
Gross Receipts
$4,404,689
Mission and Program Overview

Mission

Provide financial services and products to members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$45,702,482$45,936,899▲ $234,417
Investments Other Securities$20,611,078$24,405,743▲ $3,794,665
Savings and Temporary Cash Investments$15,816,926$11,237,532▼ $4,579,394
Rtn Earn Endowment Incm Other Fnds$6,592,848$7,217,546▲ $624,698
Land, Buildings, and Equipment, Net$2,681,079$2,645,593▼ $35,486
Cash and Non-Interest-Bearing Accounts$1,636,393$1,363,917▼ $272,476
Investments in Publicly Traded Securities-$372,000-
Prepaid Expenses and Deferred Charges$256,778$204,508▼ $52,270
Accounts Receivable$153,097$43,157▼ $109,940
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$89,955,004$89,464,269▼ $490,735
Other Assets Total$3,097,171$3,254,920▲ $157,749
Liabilities
Other Liabilities$83,199,036$81,629,438▼ $1,569,598
Accounts Payable and Accrued Expenses$163,120$617,285▲ $454,165
Total Liabilities$83,362,156$82,246,723▼ $1,115,433
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,592,848$7,217,546▲ $624,698
Total Liabilities and Net Assets / Fund Balance$89,955,004$89,464,269▼ $490,735

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,630,188$411,949$2,042,137
Other Land Buildings$350,552$490,780$841,332
Land$664,853-$664,853
Leasehold Improvements-$16,918$16,918
Compensation and Service Providers
Top Officer Pay27th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Janelle FrankeCEO & TreasurerFT$107,054$8,655$115,709

Board Members and Trustees

NameTitle
Barbara PearsonChairperson
James DetrickVice President
Barbara CooperDirector
James SwigartDirector
Scott BolesDirector
Stephanie BirmanDirector
Judy BealSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Vantiv Holding LLCElectr Paymnts Proc8500 Governors Hill Dr, Symmes Township, OH 45249$454,586
CU AnswersData Processing6000 28th Street SE, Grand Rapids, MI 49546$333,609
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,707,269
Investment Income
$529,156
Other Revenue
$168,264
Change in Net Assets
$624,698
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,238,114
Salaries, Compensation, and Employee Benefits$1,541,877
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,046,084
Information Technology---$337,161
Office Expenses---$280,503
Other Employee Benefits---$214,004
Occupancy---$143,620
Interest---$128,487
Current Officers, Directors, Trustees, and Key Employees---$115,709
All Other Expenses---$108,703
Depreciation Depletion---$101,385
Payroll Taxes---$98,479
Other Expenses---$89,083
Advertising---$71,849
Pension Plan Contributions---$67,601
Insurance---$55,400
Fees for Services Legal---$44,899
Fees for Services Other---$39,974
Travel---$28,530
Fees for Services Accounting---$22,259
Total Functional Expenses$0$0$0$3,779,991
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

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

Loans and Receivables

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

Other Reported Liabilities

LiabilityAmount
Total Share & Deposit Accounts$81,629,438
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 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
River Valley Credit Union
EIN
38-6119310
Phone
6167877481
Address
7177 Headley St SE, Ada, MI 49301

Signing Officer

Name
Janelle Franke
Title
CEO & Treasurer
Signed
2018-04-23
Discuss with paid preparer
Yes

Organization Details

Formed
1965
Legal Domicile
Mi
Voting Board Members
8
Independent Board Members
7
Employees
38
Volunteers
11

Preparer

Firm
Financial Standards Group Inc
Address
3615 NEWBURG RD, LOUISVILLE, KY 40218
Preparer
Thomas Armantrout CPA
Phone
8005225820
Raw XML AppendixShowing 400 of 421 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/Form990PartVIISectionAGrp/TitleTxt5Director
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IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt03097171
IRS990/OtherAssetsTotalGrp/EOYAmt03254920
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0214004
IRS990/OtherExpensesGrp/Desc0Debit Card Expense
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expenses
IRS990/OtherExpensesGrp/Desc2Provision for Loan Losses
IRS990/OtherExpensesGrp/Desc3ATM Expense
IRS990/OtherExpensesGrp/TotalAmt0410226
IRS990/OtherExpensesGrp/TotalAmt1223445
IRS990/OtherExpensesGrp/TotalAmt2152590
IRS990/OtherExpensesGrp/TotalAmt389083
IRS990/OtherLiabilitiesGrp/BOYAmt083199036
IRS990/OtherLiabilitiesGrp/EOYAmt081629438
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2524298
IRS990/OtherRevenueMiscGrp/Desc0ATM Fees
IRS990/OtherRevenueMiscGrp/Desc1Cash Advances
IRS990/OtherRevenueMiscGrp/Desc2Insurance Income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt055697
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt171687
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt066266
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt11224
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt2100774
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt010569
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt11224
IRS990/OtherRevenueMiscGrp/UnrelatedBusinessRevenueAmt229087
IRS990/OtherRevenueTotalAmt0168264
IRS990/OtherSalariesAndWagesGrp/TotalAmt01046084
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt045702482
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt045936899
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt098479
IRS990/PensionPlanContributionsGrp/TotalAmt067601
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0256778
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0204508
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3525990
IRS990/ProgramServiceRevenueGrp/BusinessCd4522100
IRS990/ProgramServiceRevenueGrp/Desc0Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc1Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc2Other Fees & Charges
IRS990/ProgramServiceRevenueGrp/Desc3Other Operating Income
IRS990/ProgramServiceRevenueGrp/Desc4Share & Overdraft Fees
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0652052
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12291898
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt265193
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3161502
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4475329
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0652052
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12291898
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt265193
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3161502
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4475329
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 12/31/2017 was 7,646.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0363533
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt03980830
IRS990/PYOtherRevenueAmt0177750
IRS990/PYProgramServiceRevenueAmt03638639
IRS990/PYRevenuesLessExpensesAmt0-1371954
IRS990/PYSalariesCompEmpBnftPaidAmt01571046
IRS990/PYTotalExpensesAmt05551876
IRS990/PYTotalRevenueAmt04179922
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0624698
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06592848
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07217546
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015816926
IRS990/SavingsAndTempCashInvstGrp/EOYAmt011237532
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01630188
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0411949
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02042137
IRS990ScheduleD/LandGrp/BookValueAmt0664853
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0664853
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt016918
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt016918
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0350552
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0490780
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0841332
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt081629438
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Share & Deposit Accounts
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02645593
IRS990ScheduleD/TotalBookValueSecuritiesAmt024405743
IRS990ScheduleD/TotalLiabilityAmt081629438
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 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/TotalAssetsBOYAmt089955004
IRS990/TotalAssetsEOYAmt089464269
IRS990/TotalAssetsGrp/BOYAmt089955004
IRS990/TotalAssetsGrp/EOYAmt089464269
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt038
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03779991
IRS990/TotalGrossUBIAmt040880
IRS990/TotalLiabilitiesBOYAmt083362156
IRS990/TotalLiabilitiesEOYAmt082246723
IRS990/TotalLiabilitiesGrp/BOYAmt083362156
IRS990/TotalLiabilitiesGrp/EOYAmt082246723
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt06592848
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt07217546
IRS990/TotalOtherCompensationAmt08655
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt061295
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt061295
IRS990/TotalProgramServiceRevenueAmt03707269
IRS990/TotalReportableCompFromOrgAmt0107054
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04363809
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04404689
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt040880
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt089955004
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt089464269
IRS990/TravelGrp/TotalAmt028530
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.myrivervalleycu.org
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Janelle Franke
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO & Treasurer
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-04-23

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$89,464,269
Liabilities
$82,246,723
Net assets
$7,217,546
Revenue
$4,404,689
Expenses
$3,779,991
Net income
$624,698
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$120$108$12.8$6.25$4.91$1.34
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$129$117$11.6$6.58$4.35$2.23
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$126$117$9.33$4.95$3.85$1.10
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$112$104$8.24$4.77$5.04$0.27
2019Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$92.2$83.7$8.51$4.89$4.12$0.77
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$91.6$83.8$7.74$4.64$4.12$0.52
2017Detailed filing. Detailed filing data is available for this year.$89.5$82.2$7.22$4.40$3.78$0.62
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$90.0$83.4$6.59$4.18$5.55$1.37
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$84.8$76.9$7.96$3.98$3.65$0.33
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$83.4$75.7$7.64$3.34$3.07$0.27
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$71.7$64.9$6.80$3.27$2.89$0.38
2012Summary only. Only limited summary data is available for this year.$68.3$61.9$6.42$3.13$2.70$0.43
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$64.6$58.6$5.99$2.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.8$53.1$5.74$3.02
Peer Organizations

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