Civic Intelligence

Ripco Credit Union

990 • Fiscal year 2014 • EIN 39-0571035

Jan 01, 2014 to Dec 31, 2014 • Filed on Sep 30, 2015

121 Sutliff AvenueRhinelander, WI 54501

(715) 365-4800

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

66th percentile

19.90x

Higher debt load relative to revenue than 66% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

34th percentile

7.8%

Higher net margin than 34% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

32nd percentile

$161,278

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 3.1% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

8th percentile

-0.9%

Faster asset growth than 8% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

32nd percentile

-0.4%

Faster revenue growth than 32% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Assets

Down

$113,592,457

Down $1,001,642 (-0.9%) from 2013

Net Assets

Up

$10,996,598

Up $562,605 (+5.4%) from 2013

Liabilities

Down

$102,595,859

Down $1,564,247 (-1.5%) from 2013

Revenue

Down

$5,155,944

Down $20,334 (-0.4%) from 2013

Expenses

Down

$4,755,670

Down $121,571 (-2.5%) from 2013

Net Income

Up

$400,274

Up $101,237 (+34%) from 2013

Historical Trend

Balance Sheet Trend

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

2014

Assets$113,592,457
Liabilities$102,595,859
Net Assets$10,996,598

Operations Trend

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

2014

Revenue$5,155,944
Expenses$4,755,670
Net Income$400,274
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Sep 30, 2015
Return Version
2014v5.0
Gross Receipts
$6,793,039
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.

To encourage thrift among members and provide the necessary financial products at competitive prices to enable each member to improve his or her respective social and economic well-being, while not losing sight of the ultimate goal of ripco credit union as an efficient and sound financial institution.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$50,032,182$52,096,753▲ $2,064,571
Savings and Temporary Cash Investments$37,074,299$32,568,332▼ $4,505,967
Investments in Publicly Traded Securities$13,225,561$18,779,855▲ $5,554,294
Rtn Earn Endowment Incm Other Fnds$10,433,993$10,996,598▲ $562,605
Investments Other Securities$6,924,272$3,323,751▼ $3,600,521
Land, Buildings, and Equipment, Net$2,969,997$2,777,455▼ $192,542
Cash and Non-Interest-Bearing Accounts$2,037,015$2,266,328▲ $229,313
Intangible Assets$447,941$390,137▼ $57,804
Accounts Receivable$238,949$208,576▼ $30,373
Prepaid Expenses and Deferred Charges$143,003$108,767▼ $34,236
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$114,594,099$113,592,457▼ $1,001,642
Other Assets Total$1,500,880$1,072,503▼ $428,377
Liabilities
Other Liabilities$103,934,106$102,360,892▼ $1,573,214
Accounts Payable and Accrued Expenses$226,000$234,967▲ $8,967
Total Liabilities$104,160,106$102,595,859▼ $1,564,247
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,433,993$10,996,598▲ $562,605
Total Liabilities and Net Assets / Fund Balance$114,594,099$113,592,457▼ $1,001,642

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,227,319$2,108,429$4,335,748
Equipment$311,436$1,178,169$1,489,605
Other Land Buildings$46,092$156,035$202,127
Land$192,608-$192,608
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Liza EdingerPresident/CEOFT$109,347$51,931$161,278
Steven FerchChairman-$2,400-$2,400
David LehmanTreasurer-$1,275-$1,275
Douglas JoslinVice Chairman-$1,050-$1,050
Rod OlsonSecretary-$1,050-$1,050

Board Members and Trustees

NameTitle
Bill VancosDirector
Heather SchallockDirector
Maggie SteffenDirector
Eileen PersikeDirector (thru July)
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$4,384,522
Investment Income
$613,211
Other Revenue
$158,211
Change in Net Assets
$400,274
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,736,289
Salaries, Compensation, and Employee Benefits$2,014,506
Grants and Similar Amounts Paid$4,875
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,325,240
Office Expenses---$463,248
Other Employee Benefits---$302,409
Depreciation Depletion---$284,124
Occupancy---$211,155
Fees for Services Other---$186,110
Current Officers, Directors, Trustees, and Key Employees---$164,791
Other Expenses---$157,382
Advertising---$138,966
Payroll Taxes---$126,648
Information Technology---$115,085
Pension Plan Contributions---$95,418
Insurance---$90,383
All Other Expenses---$73,483
Conferences and Meetings---$59,528
Fees for Services Legal---$53,540
Fees for Services Accounting---$13,281
Grants to Domestic Orgs---$4,875
Interest---$2
Total Functional Expenses$0$0$0$4,755,670
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$102,322,825
Accrued Dividiends to Members$38,067
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
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 11

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

Form 990, Part VI, Section B, Line 15

The board of directors has a salary committee that meets annually. The president/ceo presents a recommendation of a dollar amount to be used for employee increases and bonuses. The president/ceo provides information and statistics to support her recommendation. At that same meeting, the president/ceo excuses herself and the committee then reviews the information provided and discusses and recommends a salary increase and bonus for the president/ceo. Prior to that meeting, the board secretary mails out a packet containing at least two salary surveys and other pertinent information regarding credit union president/ceo salaries. The committee approves the president's bonus and salary for the upcoming year and presents this to the full board at the next board meeting and it is then approved by the full board.

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
Liza Edinger
Title
President/CEO
Phone
7153654800
Signed
2015-09-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Liza Edinger
Formed
1932
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
3
Employees
53
Volunteers
4

Preparer

Firm
Wipfli Llp
Address
PO BOX 8010, WAUSAU, WI 54402-8010
Preparer
Mary a Coates CPA
Phone
7158453111
Raw XML AppendixShowing 400 of 420 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/TotalAmt0340969
IRS990/OtherExpensesGrp/TotalAmt1303304
IRS990/OtherExpensesGrp/TotalAmt2245729
IRS990/OtherExpensesGrp/TotalAmt3157382
IRS990/OtherLiabilitiesGrp/BOYAmt0103934106
IRS990/OtherLiabilitiesGrp/EOYAmt0102360892
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/BusinessCd2522100
IRS990/OtherRevenueMiscGrp/Desc0LOAN PREMIUM AMORITIZATION
IRS990/OtherRevenueMiscGrp/Desc1OTHER DEPOSIT FEE INCOME
IRS990/OtherRevenueMiscGrp/Desc2RECOVERY ON CHARGED OFF LOAN
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt066969
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt148802
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt24313
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt066969
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt148802
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt24313
IRS990/OtherRevenueTotalAmt0120084
IRS990/OtherSalariesAndWagesGrp/TotalAmt01325240
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt050032182
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt052096753
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0126648
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt095418
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0143003
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0108767
IRS990/PrincipalOfficerNm0LIZA EDINGER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2INTERCHANGE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3SALE OF INSURANCE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03170991
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11084671
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt273358
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt349688
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03170991
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11090485
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt273358
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt349688
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt05814
IRS990/ProgSrvcAccomActy2Grp/Desc0RIPCO 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.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt025
IRS990/PYInvestmentIncomeAmt0469298
IRS990/PYOtherExpensesAmt02928827
IRS990/PYOtherRevenueAmt0265754
IRS990/PYProgramServiceRevenueAmt04441226
IRS990/PYRevenuesLessExpensesAmt0299037
IRS990/PYSalariesCompEmpBnftPaidAmt01948389
IRS990/PYTotalExpensesAmt04877241
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05176278
IRS990/ReconcilationRevenueExpnssAmt0400274
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt038127
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010433993
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010996598
IRS990/SavingsAndTempCashInvstGrp/BOYAmt037074299
IRS990/SavingsAndTempCashInvstGrp/EOYAmt032568332
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02227319
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02108429
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04335748
IRS990ScheduleD/EquipmentGrp/BookValueAmt0311436
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01178169
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01489605
IRS990ScheduleD/LandGrp/BookValueAmt0192608
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0192608
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt046092
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0156035
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0202127
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt038067
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1102322825
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED DIVIDIENDS TO MEMBERS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02777455
IRS990ScheduleD/TotalLiabilityAmt0102360892
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0109347
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount016474
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt011924
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt023383
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0150
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LIZA EDINGER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0161278
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
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 OPERATIONS PRIOR TO SUBMISSION TO THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS HAS A SALARY COMMITTEE THAT MEETS ANNUALLY. THE PRESIDENT/CEO PRESENTS A RECOMMENDATION OF A DOLLAR AMOUNT TO BE USED FOR EMPLOYEE INCREASES AND BONUSES. THE PRESIDENT/CEO PROVIDES INFORMATION AND STATISTICS TO SUPPORT HER RECOMMENDATION. AT THAT SAME MEETING, THE PRESIDENT/CEO EXCUSES HERSELF AND THE COMMITTEE THEN REVIEWS THE INFORMATION PROVIDED AND DISCUSSES AND RECOMMENDS A SALARY INCREASE AND BONUS FOR THE PRESIDENT/CEO. PRIOR TO THAT MEETING, THE BOARD SECRETARY MAILS OUT A PACKET CONTAINING AT LEAST TWO SALARY SURVEYS AND OTHER PERTINENT INFORMATION REGARDING CREDIT UNION PRESIDENT/CEO SALARIES. THE COMMITTEE APPROVES THE PRESIDENT'S BONUS AND SALARY FOR THE UPCOMING YEAR AND PRESENTS THIS TO THE FULL BOARD AT THE NEXT BOARD MEETING AND IT IS THEN APPROVED BY THE FULL BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING 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 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0114594099
IRS990/TotalAssetsEOYAmt0113592457
IRS990/TotalAssetsGrp/BOYAmt0114594099
IRS990/TotalAssetsGrp/EOYAmt0113592457
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt053
IRS990/TotalFunctionalExpensesGrp/TotalAmt04755670
IRS990/TotalGrossUBIAmt05814
IRS990/TotalLiabilitiesBOYAmt0104160106
IRS990/TotalLiabilitiesEOYAmt0102595859
IRS990/TotalLiabilitiesGrp/BOYAmt0104160106
IRS990/TotalLiabilitiesGrp/EOYAmt0102595859
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt010433993
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010996598
IRS990/TotalOtherCompensationAmt035307
IRS990/TotalProgramServiceRevenueAmt04384522
IRS990/TotalReportableCompFromOrgAmt0131746
IRS990/TotalRevenueGrp/ExclusionAmt0651338
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt04498792
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt05155944
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt05814
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0114594099
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0113592457
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0121 SUTLIFF AVENUE
IRS990/USAddress/CityNm0RHINELANDER
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd054501
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt03
IRS990/WebsiteAddressTxt0WWW.RIPCO.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0LIZA EDINGER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07153654800
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-09-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RIPCO CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIPC

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

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
2014Detailed filing. Detailed filing data is available for this year.$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