Civic Intelligence

Ripco Credit Union

EIN 39-0571035 • 501(c)14 • Rhinelander, WI

View Organization Page

Profile

Through our "attitude of excellence" ripco credit union delivers exceptional financial services while building lifelong relationships - one member at a time.

121 Sutliff AvenueRhinelander, WI 54501

www.ripco.org

Siviq Scores

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

Liabilities / Assets

64th percentile

0.90x

Higher debt load relative to assets than 64% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

37th percentile

14.34x

Higher debt load relative to revenue than 37% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

17th percentile

2.7%

Higher net margin than 17% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

15th percentile

-3.1%

Faster asset growth than 15% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2024

Revenue Growth

73rd percentile

22%

Faster revenue growth than 73% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets64th percentile

Assets

Down

$176,948,780

Down $3,924,624 (-2.2%) from 2023

Liabilities

Down

$160,101,948

Down $5,030,934 (-3.0%) from 2023

Net Assets

Up

$16,846,832

Up $1,106,310 (+7.0%) from 2023

Operations
Liabilities / Revenue37th percentileNet Margin17th percentile

Revenue

Up

$11,166,658

Up $1,575,401 (+16%) from 2023

Expenses

Up

$10,863,840

Up $2,059,542 (+23%) from 2023

Net Income

Down

$302,818

Down $484,141 (-62%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth15th percentile

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

$200M$150M$100M$50M$0Assets 2010: $74,285,487Liabilities 2010: $66,679,107Net Assets 2010: $7,606,3802010Assets 2011: $100,712,054Liabilities 2011: $90,617,254Net Assets 2011: $10,094,8002011Assets 2012: $109,627,469Liabilities 2012: $99,194,621Net Assets 2012: $10,432,8482012Assets 2013: $114,594,099Liabilities 2013: $104,160,106Net Assets 2013: $10,433,9932013Assets 2014: $113,592,457Liabilities 2014: $102,595,859Net Assets 2014: $10,996,5982014Assets 2015: $115,244,945Liabilities 2015: $103,733,505Net Assets 2015: $11,511,4402015Assets 2016: $120,905,162Liabilities 2016: $109,086,550Net Assets 2016: $11,818,6122016Assets 2017: $126,669,752Liabilities 2017: $114,030,664Net Assets 2017: $12,639,0882017Assets 2018: $129,944,445Liabilities 2018: $116,404,785Net Assets 2018: $13,539,6602018Assets 2019: $136,462,185Liabilities 2019: $121,557,642Net Assets 2019: $14,904,5432019Assets 2020: $163,667,640Liabilities 2020: $147,638,473Net Assets 2020: $16,029,1672020Assets 2021: $186,942,299Liabilities 2021: $170,345,357Net Assets 2021: $16,596,9422021Assets 2022: $188,341,075Liabilities 2022: $173,580,303Net Assets 2022: $14,760,7722022Assets 2023: $180,873,404Liabilities 2023: $165,132,882Net Assets 2023: $15,740,5222023Assets 2024: $176,948,780Liabilities 2024: $160,101,948Net Assets 2024: $16,846,8322024

Highlighted filing

2024

Assets$176,948,780
Liabilities$160,101,948
Net Assets$16,846,832
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

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

$15M$10M$5.0M$0Expenses 2010: $3,961,1672010Expenses 2011: $4,165,0542011Expenses 2012: $4,980,6682012Revenue 2013: $5,176,278Expenses 2013: $4,877,241Net Income 2013: $299,0372013Revenue 2014: $5,155,944Expenses 2014: $4,755,670Net Income 2014: $400,2742014Revenue 2015: $5,079,053Expenses 2015: $4,470,392Net Income 2015: $608,6612015Revenue 2016: $5,213,298Expenses 2016: $4,746,087Net Income 2016: $467,2112016Revenue 2017: $5,679,842Expenses 2017: $4,875,018Net Income 2017: $804,8242017Revenue 2018: $6,551,186Expenses 2018: $5,503,594Net Income 2018: $1,047,5922018Revenue 2019: $7,202,724Expenses 2019: $6,209,579Net Income 2019: $993,1452019Revenue 2020: $7,282,377Expenses 2020: $6,408,078Net Income 2020: $874,2992020Revenue 2021: $7,425,527Expenses 2021: $6,480,367Net Income 2021: $945,1602021Revenue 2022: $7,543,781Expenses 2022: $7,024,233Net Income 2022: $519,5482022Revenue 2023: $9,591,257Expenses 2023: $8,804,298Net Income 2023: $786,9592023Revenue 2024: $11,166,658Expenses 2024: $10,863,840Net Income 2024: $302,8182024

Highlighted filing

2024

Revenue$11,166,658
Expenses$10,863,840
Net Income$302,818
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$176,948,780
Liabilities
$160,101,948
Net assets
$16,846,832
Revenue
$11,166,658
Expenses
$10,863,840
Net income
$302,818
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$177$160$16.8$11.2$10.9$0.30
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$181$165$15.7$9.59$8.80$0.79
2022Detailed filing. Detailed filing data is available for this year.$188$174$14.8$7.54$7.02$0.52
2021Detailed filing. Detailed filing data is available for this year.$187$170$16.6$7.43$6.48$0.95
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$164$148$16.0$7.28$6.41$0.87
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$136$122$14.9$7.20$6.21$0.99
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$116$13.5$6.55$5.50$1.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$127$114$12.6$5.68$4.88$0.80
2016Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$121$109$11.8$5.21$4.75$0.47
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$115$104$11.5$5.08$4.47$0.61
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$114$103$11.0$5.16$4.76$0.40
2013Detailed filing. Detailed filing data is available for this year.$115$104$10.4$5.18$4.88$0.30
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$110$99.2$10.4$4.98
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$101$90.6$10.1$4.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$74.3$66.7$7.61$3.96
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 15, 2023
Return Version
2022v5.0
Gross Receipts
$7,552,940
Mission and Program Overview

Mission

Through our "attitude of excellence" ripco credit union delivers exceptional financial services while building lifelong relationships - one member at a time.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$91,053,700$101,577,347▲ $10,523,647
Investments in Publicly Traded Securities$30,468,568$32,698,075▲ $2,229,507
Investments Other Securities$33,395,751$25,214,050▼ $8,181,701
Rtn Earn Endowment Incm Other Fnds$16,596,942$14,760,772▼ $1,836,170
Savings and Temporary Cash Investments$16,588,941$13,259,100▼ $3,329,841
Land, Buildings, and Equipment, Net$5,989,802$5,781,183▼ $208,619
Cash and Non-Interest-Bearing Accounts$2,842,078$2,837,209▼ $4,869
Accounts Receivable$290,277$388,829▲ $98,552
Prepaid Expenses and Deferred Charges$170,749$201,671▲ $30,922
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$186,942,299$188,341,075▲ $1,398,776
Other Assets Total$6,142,433$6,383,611▲ $241,178
Liabilities
Other Liabilities$169,058,557$172,131,506▲ $3,072,949
Accounts Payable and Accrued Expenses$1,246,808$1,290,210▲ $43,402
Escrow Account Liability$-19,082$153,825▲ $172,907
Deferred Revenue$59,074$4,762▼ $54,312
Total Liabilities$170,345,357$173,580,303▲ $3,234,946
Net Assets / Fund Balance
Total Net Assets Fund Balance$16,596,942$14,760,772▼ $1,836,170
Total Liabilities and Net Assets / Fund Balance$186,942,299$188,341,075▲ $1,398,776

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,725,666$2,582,479$7,308,145
Equipment$810,860$1,399,295$2,210,155
Other Land Buildings$52,049$263,122$315,171
Land$192,608-$192,608
Other Securities$652,500--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Veronika BaronInterim President/CEOFT$124,063$40,506$164,569
James LevandoskiVP of LendingFT$117,586$28,883$146,469
Steven FerchChairman-$2,750-$2,750
Heather SchallockTreasurer-$1,850-$1,850
Maggie SteffenSecretary-$1,800-$1,800
Rod OlsonVice Chairman-$1,700-$1,700
Alyssa BorskiDirector-$1,200-$1,200
Grace Zuiker NashDirector-$1,200-$1,200
Rick ZoerbDirector-$1,200-$1,200

Highest Paid Contractors

ContractorServicesLocationCompensation
First Data Processing INCDebit Card Processor1100 CARR RD, Wilmington, DE 19809$371,649
CuanswersCore Data Processor6000 28TH STREET SE SUITE 100, Grand Rapids, MI 49546$341,610
PscuCredit Card Processor560 CARILLON PARKWAY, St Petersburg, FL 33716$147,574
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,388,214
Investment Income
$1,155,567
Other Revenue
$0
Change in Net Assets
$519,548
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,583,159
Salaries, Compensation, and Employee Benefits$3,436,124
Grants and Similar Amounts Paid$4,950
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,281,039
Office Expenses---$533,048
Other Employee Benefits---$484,138
Depreciation Depletion---$413,684
Fees for Services Other---$376,707
All Other Expenses---$367,419
Current Officers, Directors, Trustees, and Key Employees---$322,738
Occupancy---$262,771
Payroll Taxes---$191,985
Advertising---$164,125
Pension Plan Contributions---$156,224
Other Expenses---$120,899
Information Technology---$97,159
Conferences and Meetings---$62,852
Insurance---$48,322
Fees for Services Accounting---$24,866
Grants to Domestic Orgs---$4,950
Travel---$1,706
Interest---$3
Total Functional Expenses$0$0$0$7,024,233
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares$172,131,506
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 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“A member is any qualified person or business that has a $5.00 deposit in a savings account at ripco credit union. A member is qualified to vote if they are a member in good standing, are 18 years or older and have been a member for at least one year. Qualifying members have equal rights to vote to elect the governing body of ripco credit union.”

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

“Members vote for directors at the annual meeting. Terms for directors are 3 years.”

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

“Any person that qualifies to be a member of ripco credit union has voting rights to elect the governing body (board of directors). Each year we hold an annual meeting of members and any directors that are up for reelection are voted in by the members.”

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

“The form 990 is reviewed by the vice president of finance prior to submission to the internal revenue service.”

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

“No director, officer, committee member, agent or employee of this credit union shall in any manner, directly or indirectly, participate in the deliberation upon or the determination of any question affecting the person's pecuniary interest or the pecuniary interest of any organization or association in which the person is directly or indirectly interested. In the event of disqualification of any director or member of the credit committee respecting any matter presented to the board or credit committee for deliberation or determination, such director or committee member shall withdraw from the deliberation or determination. If a director or credit committee member withdraws from any deliberation or determination, the remaining qualified directors or credit committee members present at the meeting may exercise all powers of the board or credit committee, provided the number of directors or credit committee members present, including the disqualified directors or members, constitutes a quorum.”

Form 990, Part VI, Section B, Line 15

“Ceo: when the board was conducting the new ceo search, the recruiting company utilized executive compensation and regional data to determine the salary of the incoming ceo. Other officers or key employees: the credit union utilizes a comprehensive compensation platform by balanced comp to evaluate all employee's compensation. This is a vendor that utilizes market information from the financial industry, in addition to all other markets to ensure competitiveness in our regional area. This system is used for all employees, which includes a job description, compensable factors, with analysis.”

Form 990, Part VI, Section C, Line 19

“Governing documents and policies are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Ripco Credit Union
EIN
39-0571035
Phone
7153654800
Address
121 SUTLIFF AVENUE, RHINELANDER, WI 54501

Signing Officer

Name
Jennifer Grinder
Title
President/CEO
Phone
7153654800
Signed
2023-08-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Grinder
Formed
1932
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
61
Volunteers
7

Preparer

Firm
Wipfli Llp
Address
1502 LONDON ROAD SUITE 200, DULUTH, MN 55812
Preparer
Michael J Peterson CPA
Phone
2187224705
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The organization is the trustee of certain member's escrow funds and has fiduciary responsibility for the administration and distribution of these funds for members of the organization.”

Raw XML AppendixShowing 400 of 459 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01246808
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01290210
IRS990/AccountsReceivableGrp/BOYAmt0290277
IRS990/AccountsReceivableGrp/EOYAmt0388829
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THROUGH OUR "ATTITUDE OF EXCELLENCE" RIPCO CREDIT UNION DELIVERS EXCEPTIONAL FINANCIAL SERVICES WHILE BUILDING LIFELONG RELATIONSHIPS - ONE MEMBER AT A TIME.
IRS990/AdvertisingGrp/TotalAmt0164125
IRS990/AllOtherExpensesGrp/TotalAmt0367419
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0STEPHANIE LASKA
IRS990/BooksInCareOfDetail/PhoneNum07153654800
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0121 SUTLIFF AVENUE
IRS990/BooksInCareOfDetail/USAddress/CityNm0RHINELANDER
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054501
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02842078
IRS990/CashNonInterestBearingGrp/EOYAmt02837209
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt03
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0322738
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt062852
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt0371649
IRS990/ContractorCompensationGrp/CompensationAmt1341610
IRS990/ContractorCompensationGrp/CompensationAmt2147574
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt01100 CARR RD
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt16000 28TH STREET SE SUITE 100
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt2560 CARILLON PARKWAY
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0WILMINGTON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1GRAND RAPIDS
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2ST PETERSBURG
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0DE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1MI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2FL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd019809
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd149546
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd233716
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0FIRST DATA PROCESSING INC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CUANSWERS
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2PSCU
IRS990/ContractorCompensationGrp/ServicesDesc0DEBIT CARD PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc1CORE DATA PROCESSOR
IRS990/ContractorCompensationGrp/ServicesDesc2CREDIT CARD PROCESSOR
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt04950
IRS990/CYInvestmentIncomeAmt01155567
IRS990/CYOtherExpensesAmt03583159
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt06388214
IRS990/CYRevenuesLessExpensesAmt0519548
IRS990/CYSalariesCompEmpBnftPaidAmt03436124
IRS990/CYTotalExpensesAmt07024233
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt07543781
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt059074
IRS990/DeferredRevenueGrp/EOYAmt04762
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0413684
IRS990/Desc0RIPCO CREDIT UNION SERVES OVER 12,000 MEMBERS, PROVIDING A WIDE RANGE OF DEPOSIT AND LOAN PRODUCTS AT COMPETITIVE RATES. WE STRIVE FOR INNOVATION THROUGH OUR PRODUCTS AND SERVICES IN ADDITION TO OFFERING EXCEPTIONAL CUSTOMER SERVICE.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt061
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt0-19082
IRS990/EscrowAccountLiabilityGrp/EOYAmt0153825
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt024866
IRS990/FeesForServicesOtherGrp/TotalAmt0376707
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt840.00
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt725084
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt828883
IRS990/Form990PartVIISectionAGrp/PersonNm0STEVEN FERCH
IRS990/Form990PartVIISectionAGrp/PersonNm1ROD OLSON
IRS990/Form990PartVIISectionAGrp/PersonNm2HEATHER SCHALLOCK
IRS990/Form990PartVIISectionAGrp/PersonNm3MAGGIE STEFFEN
IRS990/Form990PartVIISectionAGrp/PersonNm4ALYSSA BORSKI
IRS990/Form990PartVIISectionAGrp/PersonNm5RICK ZOERB
IRS990/Form990PartVIISectionAGrp/PersonNm6GRACE ZUIKER NASH
IRS990/Form990PartVIISectionAGrp/PersonNm7VERONIKA BARON
IRS990/Form990PartVIISectionAGrp/PersonNm8JAMES LEVANDOSKI
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt02750
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt11700
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt21850
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt41200
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt61200
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7139485
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8117586
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7INTERIM PRESIDENT/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt8VP OF LENDING
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IRS990/Form990TFiledInd01
IRS990/FormationYr01932
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
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IRS990/GamingActivitiesInd00
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IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupExemptionNum02157
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
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IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
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IRS990/InsuranceGrp/TotalAmt048322
IRS990/InterestGrp/TotalAmt03
IRS990/InvestmentIncomeGrp/ExclusionAmt01149064
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01149064
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt025214050
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IRS990/LandBldgEquipBasisNetGrp/EOYAmt05781183
IRS990/LandBldgEquipCostOrOtherBssAmt010026079
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt09159
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IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THROUGH OUR "ATTITUDE OF EXCELLENCE" RIPCO CREDIT UNION DELIVERS EXCEPTIONAL FINANCIAL SERVICES WHILE BUILDING LIFELONG RELATIONSHIPS - ONE MEMBER AT A TIME.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt014760772
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IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt06503
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-2355718
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0262771
IRS990/OfficeExpensesGrp/TotalAmt0533048
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt06142433
IRS990/OtherAssetsTotalGrp/EOYAmt06383611
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0484138
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1ATM EXPENSE
IRS990/OtherExpensesGrp/Desc2DIVIDENDS ON MEMBER SHA
IRS990/OtherExpensesGrp/Desc3CREDIT & DEBIT CARD EXP
IRS990/OtherExpensesGrp/TotalAmt0381872
IRS990/OtherExpensesGrp/TotalAmt1378761
IRS990/OtherExpensesGrp/TotalAmt2348965
IRS990/OtherExpensesGrp/TotalAmt3120899
IRS990/OtherLiabilitiesGrp/BOYAmt0169058557
IRS990/OtherLiabilitiesGrp/EOYAmt0172131506
IRS990/OtherSalariesAndWagesGrp/TotalAmt02281039
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt091053700
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0101577347
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0191985
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0156224
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0170749
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0201671
IRS990/PrincipalOfficerNm0JENNIFER GRINDER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3SALE OF INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04719675
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11358351
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2110813
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt342732
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04719675
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11366174
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2110813
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt342732
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt07823
IRS990/ProgSrvcAccomActy2Grp/Desc0RIPCO CONTINUES TO PROMOTE FINANCIAL LITERACY FOR CHILDREN AND YOUNG ADULTS THROUGH OUR CUSTOMIZED YOUTH ACCOUNTS. THE HONEY POT PROGRAM ENGAGES CHILDREN TO SAVE BY OFFERING A GIFT BAG AT ACCOUNT OPENING THAT INCLUDES FUN, EDUCATIONAL ITEMS. HONEY POT PROMOTIONS AND EVENTS ARE ALSO PROVIDED THROUGHOUT THE YEAR. SMART START CHECKING ENCOURAGES YOUNG ADULTS AGES 15 TO 25 TO BUILD FINANCIAL INDEPENDENCE THROUGH EDUCATION, LOW FEES, AND REIMBURSEMENT OF ATM FEES UP TO $10/MONTH. IN ADDITION, RIPCO HAS EXTENDED SERVICES TO YOUNG ADULTS THROUGH OUR LOCAL HIGH SCHOOL BRANCH THAT IS OPEN DURING LUNCH HOURS AND STAFFED BY STUDENTS.
IRS990/ProgSrvcAccomActy3Grp/Desc0RIPCO THRIVES ON THE CREDIT UNION CULTURE OF "PEOPLE HELPING PEOPLE". WE HAVE TWO CERTIFIED BUDGET COUNSELORS ON STAFF WHO PROVIDE FREE SERVICES TO THOSE IN NEED OF ADDITIONAL FINANCIAL ASSISTANCE. WE ALSO OFFER A WIDE WAGE OF FINANCIAL LITERACY RESOURCES ON OUR WEBSITE INCLUDING INFORMATION ON FINANCIAL WELLNESS AND BUDGETING TOOLS.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt02550
IRS990/PYInvestmentIncomeAmt0767026
IRS990/PYOtherExpensesAmt03189404
IRS990/PYOtherRevenueAmt0217500
IRS990/PYProgramServiceRevenueAmt06441001
IRS990/PYRevenuesLessExpensesAmt0945160
IRS990/PYSalariesCompEmpBnftPaidAmt03288413
IRS990/PYTotalExpensesAmt06480367
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07425527
IRS990/ReconcilationRevenueExpnssAmt0519548
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt016596942
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt014760772
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016588941
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013259100
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04725666
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02582479
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07308145
IRS990ScheduleD/EquipmentGrp/BookValueAmt0810860
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01399295
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02210155
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0192608
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0192608
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt052049
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0263122
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0315171
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0172131506
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt024026000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1106181
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2429369
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3652500
IRS990ScheduleD/OtherSecuritiesGrp/Desc0TIME DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1NONPERPETUAL CAPITAL ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/Desc2PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc3ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS THE TRUSTEE OF CERTAIN MEMBER'S ESCROW FUNDS AND HAS FIDUCIARY RESPONSIBILITY FOR THE ADMINISTRATION AND DISTRIBUTION OF THESE FUNDS FOR MEMBERS OF THE ORGANIZATION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt05781183
IRS990ScheduleD/TotalBookValueSecuritiesAmt025214050
IRS990ScheduleD/TotalLiabilityAmt0172131506
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0124063
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount014423
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt013400
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0VERONIKA BARON
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0INTERIM PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0164569
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0DURING 2022, THE ORGANIZATION PROVIDED HEALTH CLUB DUES TO THE FOLLOWING: VERONIKA BARON - $9 THIS AMOUNT IS INCLUDED IN TAXABLE COMPENSATION.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1A
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd01
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0A MEMBER IS ANY QUALIFIED PERSON OR BUSINESS THAT HAS A $5.00 DEPOSIT IN A SAVINGS ACCOUNT AT RIPCO CREDIT UNION. A MEMBER IS QUALIFIED TO VOTE IF THEY ARE A MEMBER IN GOOD STANDING, ARE 18 YEARS OR OLDER AND HAVE BEEN A MEMBER FOR AT LEAST ONE YEAR. QUALIFYING MEMBERS HAVE EQUAL RIGHTS TO VOTE TO ELECT THE GOVERNING BODY OF RIPCO CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS VOTE FOR DIRECTORS AT THE ANNUAL MEETING. TERMS FOR DIRECTORS ARE 3 YEARS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANY PERSON THAT QUALIFIES TO BE A MEMBER OF RIPCO CREDIT UNION HAS VOTING RIGHTS TO ELECT THE GOVERNING BODY (BOARD OF DIRECTORS). EACH YEAR WE HOLD AN ANNUAL MEETING OF MEMBERS AND ANY DIRECTORS THAT ARE UP FOR REELECTION ARE VOTED IN BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE VICE PRESIDENT OF FINANCE PRIOR TO SUBMISSION TO THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO DIRECTOR, OFFICER, COMMITTEE MEMBER, AGENT OR EMPLOYEE OF THIS CREDIT UNION SHALL IN ANY MANNER, DIRECTLY OR INDIRECTLY, PARTICIPATE IN THE DELIBERATION UPON OR THE DETERMINATION OF ANY QUESTION AFFECTING THE PERSON'S PECUNIARY INTEREST OR THE PECUNIARY INTEREST OF ANY ORGANIZATION OR ASSOCIATION IN WHICH THE PERSON IS DIRECTLY OR INDIRECTLY INTERESTED. IN THE EVENT OF DISQUALIFICATION OF ANY DIRECTOR OR MEMBER OF THE CREDIT COMMITTEE RESPECTING ANY MATTER PRESENTED TO THE BOARD OR CREDIT COMMITTEE FOR DELIBERATION OR DETERMINATION, SUCH DIRECTOR OR COMMITTEE MEMBER SHALL WITHDRAW FROM THE DELIBERATION OR DETERMINATION. IF A DIRECTOR OR CREDIT COMMITTEE MEMBER WITHDRAWS FROM ANY DELIBERATION OR DETERMINATION, THE REMAINING QUALIFIED DIRECTORS OR CREDIT COMMITTEE MEMBERS PRESENT AT THE MEETING MAY EXERCISE ALL POWERS OF THE BOARD OR CREDIT COMMITTEE, PROVIDED THE NUMBER OF DIRECTORS OR CREDIT COMMITTEE MEMBERS PRESENT, INCLUDING THE DISQUALIFIED DIRECTORS OR MEMBERS, CONSTITUTES A QUORUM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CEO: WHEN THE BOARD WAS CONDUCTING THE NEW CEO SEARCH, THE RECRUITING COMPANY UTILIZED EXECUTIVE COMPENSATION AND REGIONAL DATA TO DETERMINE THE SALARY OF THE INCOMING CEO. OTHER OFFICERS OR KEY EMPLOYEES: THE CREDIT UNION UTILIZES A COMPREHENSIVE COMPENSATION PLATFORM BY BALANCED COMP TO EVALUATE ALL EMPLOYEE'S COMPENSATION. THIS IS A VENDOR THAT UTILIZES MARKET INFORMATION FROM THE FINANCIAL INDUSTRY, IN ADDITION TO ALL OTHER MARKETS TO ENSURE COMPETITIVENESS IN OUR REGIONAL AREA. THIS SYSTEM IS USED FOR ALL EMPLOYEES, WHICH INCLUDES A JOB DESCRIPTION, COMPENSABLE FACTORS, WITH ANALYSIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0186942299
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IRS990/TotalAssetsGrp/BOYAmt0186942299
IRS990/TotalAssetsGrp/EOYAmt0188341075
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt061
IRS990/TotalFunctionalExpensesGrp/TotalAmt07024233
IRS990/TotalGrossUBIAmt07823
IRS990/TotalLiabilitiesBOYAmt0170345357
IRS990/TotalLiabilitiesEOYAmt0173580303
IRS990/TotalLiabilitiesGrp/BOYAmt0170345357
IRS990/TotalLiabilitiesGrp/EOYAmt0173580303
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt016596942
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt014760772

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