Civic Intelligence

Ripco Credit Union

990 • Fiscal year 2012 • EIN 39-0571035

Jan 01, 2012 to Dec 31, 2012 • Filed on May 03, 2013

Organization ProfileWWW.RIPCO.ORG

View Organization Page

121 Sutliff Avenue54501
Siviq Scores

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

Liabilities / Assets

64th percentile

0.90x

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

2012 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

82nd percentile

8.9%

Faster asset growth than 82% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$109,627,469

Up $8,915,415 (+8.9%) from 2011

Net Assets

Up

$10,432,848

Up $338,048 (+3.3%) from 2011

Liabilities

Up

$99,194,621

Up $8,577,367 (+9.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$4,980,668

Up $815,614 (+20%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth82nd percentile

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

$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

2012

Assets$109,627,469
Liabilities$99,194,621
Net Assets$10,432,848
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2012

Revenue-
Expenses$4,980,668
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 3, 2013
Return Version
2012v2.1
Gross Receipts
$5,380,093
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.

Major Activities

Activity 2
Ripco actively promotes thrift to young people in the communities we serve. The moola moola club is an exclusive savings club for kids age 10 and under. Children are encouraged to bring their own transactions to the credit union and receive a prize for each deposit. Members of the club also receive personal invitations to moola moola programs, parties and events throughout the year.ripco also opened a limited service branch at the local high school to promote saving amongst local youth.
Filing and Contact Details

Filer

EIN
39-0571035
Raw XML AppendixShowing 400 of 402 raw XML fields

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IRS990/Activity2/Description0RIPCO ACTIVELY PROMOTES THRIFT TO YOUNG PEOPLE IN THE COMMUNITIES WE SERVE. THE MOOLA MOOLA CLUB IS AN EXCLUSIVE SAVINGS CLUB FOR KIDS AGE 10 AND UNDER. CHILDREN ARE ENCOURAGED TO BRING THEIR OWN TRANSACTIONS TO THE CREDIT UNION AND RECEIVE A PRIZE FOR EACH DEPOSIT. MEMBERS OF THE CLUB ALSO RECEIVE PERSONAL INVITATIONS TO MOOLA MOOLA PROGRAMS, PARTIES AND EVENTS THROUGHOUT THE YEAR.RIPCO ALSO OPENED A LIMITED SERVICE BRANCH AT THE LOCAL HIGH SCHOOL TO PROMOTE SAVING AMONGST LOCAL YOUTH.
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IRS990ScheduleO/GeneralExplanation/Explanation0A 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/GeneralExplanation/Explanation1MEMBERS VOTE FOR DIRECTORS AT THE ANNUAL MEETING. TERMS FOR DIRECTORS ARE 3 YEARS.
IRS990ScheduleO/GeneralExplanation/Explanation2ANY 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/GeneralExplanation/Explanation3THE FORM 990 IS REVIEWED BY THE VICE PRESIDENT OF OPERATIONS WITH THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation4CEO COMPENSATION REQUIRES BOARD REVIEW AND APPROVAL. OFFICER COMPENSATION REQUIRES CEO REVIEW AND APPROVAL.
IRS990ScheduleO/GeneralExplanation/Explanation5GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation6SERVICE CONTRACTS: PROGRAM SERVICE EXPENSES 171,949. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 171,949. LOAN SERVICING EXPENSES: PROGRAM SERVICE EXPENSES 163,779. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 163,779. LOSS ON DISPOSITION OF ASSETS: PROGRAM SERVICE EXPENSES 65,715. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 65,715. POSTAGE EXPENSE: PROGRAM SERVICE EXPENSES 64,992. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 64,992. STATIONARY AND SUPPLIES: PROGRAM SERVICE EXPENSES 63,939. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 63,939. TELEPHONE EXPENSE: PROGRAM SERVICE EXPENSES 59,357. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 59,357. MERGER EXPENSES: PROGRAM SERVICE EXPENSES 54,253. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 54,253. SURETY BOND EXPENSE: PROGRAM SERVICE EXPENSES 44,366. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 44,366. VISA/MC EXPENSES: PROGRAM SERVICE EXPENSES 38,850. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 38,850. SHARE DRAFT PRINTING SUPPLIES: PROGRAM SERVICE EXPENSES 30,254. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 30,254. MEMBERSHIP DUES: PROGRAM SERVICE EXPENSES 30,053. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 30,053. SOFTWARE/HARDWARE EXPENSE: PROGRAM SERVICE EXPENSES 26,759. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 26,759. MISC: PROGRAM SERVICE EXPENSES 19,883. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 19,883. STUDENT LOAN EXPENSE: PROGRAM SERVICE EXPENSES 15,353. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 15,353. ANNUAL ASSESSMENT: PROGRAM SERVICE EXPENSES 9,529. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 9,529. BUSINESS MEALS: PROGRAM SERVICE EXPENSES 6,640. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 6,640. SHARE DRAFT EXPENSE: PROGRAM SERVICE EXPENSES 5,114. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 5,114. VEHICLE EXPENSE: PROGRAM SERVICE EXPENSES 3,007. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 3,007. CASH OVER/SHORT: PROGRAM SERVICE EXPENSES 2,258. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 2,258. MERCHANT SOLUTION FEES: PROGRAM SERVICE EXPENSES 1,575. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 1,575. MICROFICHE EXPENSE: PROGRAM SERVICE EXPENSES 647. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 647. ADDITIONAL MISCELANEOUS: PROGRAM SERVICE EXPENSES 617. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 617.
IRS990ScheduleO/GeneralExplanation/Explanation7EQUITY ACQUIRED IN MERGER 20,537.
IRS990ScheduleO/GeneralExplanation/Identifier0ALL OTHER FUNCTIONAL EXPENSES
IRS990ScheduleO/GeneralExplanation/Identifier1CHANGES IN NET ASSETS OR FUND BALANCES:
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART IX, LINE 24E
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XI, LINE 9:
IRS990/ScheduleORequired01
IRS990/School00
IRS990/SignificantChange00
IRS990/SignificantNewProgramServices00
IRS990/StateLegalDomicile0WI
IRS990/SubjectToProxyTax00
IRS990/TaxablePartyNotification00
IRS990/TaxExemptBonds00
IRS990/Terminated00
IRS990/TermOrPermanentEndowments00
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10121 SUTLIFF AVENUE
IRS990/TheBooksAreInCareOf/AddressUS/City0RHINELANDER
IRS990/TheBooksAreInCareOf/AddressUS/State0WI
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode054501
IRS990/TheBooksAreInCareOf/NameBusiness/BusinessNameLine10LIZA EDINGER
IRS990/TheBooksAreInCareOf/TelephoneNumber07153654800
IRS990/TotalAssets/BOY0100712054
IRS990/TotalAssetsBOY0100712054
IRS990/TotalAssets/EOY0109627469
IRS990/TotalAssetsEOY0109627469
IRS990/TotalCompGT150K00
IRS990/TotalExpensesCurrentYear04980668
IRS990/TotalExpensesPriorYear04165054
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices04980668
IRS990/TotalFunctionalExpenses/Total04980668
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI06600
IRS990/TotalLiabilities/BOY090617254
IRS990/TotalLiabilitiesBOY090617254
IRS990/TotalLiabilities/EOY099194621
IRS990/TotalLiabilitiesEOY099194621
IRS990/TotalLiabNetAssetsFundBalances/BOY0100712054
IRS990/TotalLiabNetAssetsFundBalances/EOY0109627469
IRS990/TotalNbrEmployees045
IRS990/TotalNbrVolunteers00
IRS990/TotalNetAssetsFundBalances/BOY010094800
IRS990/TotalNetAssetsFundBalances/EOY010432848
IRS990/TotalOtherCompensation031106
IRS990/TotalOtherRevenue0350038
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceExpense04980668
IRS990/TotalProgramServiceRevenue04563906
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg0120538
IRS990/TotalRevenueCurrentYear05380093
IRS990/TotalRevenue/ExclusionAmount0466149
IRS990/TotalRevenuePriorYear05541866
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome04907344
IRS990/TotalRevenue/TotalRevenueColumn05380093
IRS990/TotalRevenue/UnrelatedBusinessRevenue06600
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome01
IRS990/UponRequest0X
IRS990/WebSite0WWW.RIPCO.ORG
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01932
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0390571035
ReturnHeader/Filer/Name/BusinessNameLine10RIPCO CREDIT UNION
ReturnHeader/Filer/NameControl0RIPC
ReturnHeader/Filer/Phone07153654800
ReturnHeader/Filer/USAddress/AddressLine10121 SUTLIFF AVENUE
ReturnHeader/Filer/USAddress/City0RHINELANDER
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054501
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02013-05-03
ReturnHeader/Officer/Name0LIZA EDINGER
ReturnHeader/Officer/Phone07153654800
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/Preparer/DatePrepared02013-05-03
ReturnHeader/PreparerFirm/EIN0390758449
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10WIPFLI LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1043A W DAVENPORT ST
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0RHINELANDER
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WI
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode054501
ReturnHeader/Preparer/Name0SALLY FOLGERT CPA
ReturnHeader/Preparer/Phone07153691040
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$109,627,469
Liabilities
$99,194,621
Net assets
$10,432,848
Revenue
-
Expenses
$4,980,668
Net income
-
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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $100M-$250M nonprofits