Civic Intelligence

Ripco Credit Union

990 • Fiscal year 2018 • EIN 39-0571035

Jan 01, 2018 to Dec 31, 2018 • Filed on Nov 14, 2019

Organization ProfileWWW.RIPCO.ORG

View Organization Page

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

56th percentile

0.90x

Higher debt load relative to assets than 56% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Liabilities / Revenue

59th percentile

17.77x

Higher debt load relative to revenue than 59% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Net Margin

64th percentile

16%

Higher net margin than 64% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Top Officer Pay

40th percentile

$190,908

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2018

Asset Growth

43rd percentile

2.6%

Faster asset growth than 43% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Revenue Growth

81st percentile

15%

Faster revenue growth than 81% of similar nonprofits.

2018 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$129,944,445

Up $3,274,693 (+2.6%) from 2017

Net Assets

Up

$13,539,660

Up $900,572 (+7.1%) from 2017

Liabilities

Up

$116,404,785

Up $2,374,121 (+2.1%) from 2017

Revenue And Expenses
Liabilities / Revenue59th percentileNet Margin64th percentile

Revenue

Up

$6,551,186

Up $871,344 (+15%) from 2017

Expenses

Up

$5,503,594

Up $628,576 (+13%) from 2017

Net Income

Up

$1,047,592

Up $242,768 (+30%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth43rd 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

2018

Assets$129,944,445
Liabilities$116,404,785
Net Assets$13,539,660
Open 2018 Filing

Operations Trend

Revenue Growth81st percentile

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

2018

Revenue$6,551,186
Expenses$5,503,594
Net Income$1,047,592
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Nov 14, 2019
Return Version
2018v3.1
Gross Receipts
$6,722,186
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$74,236,898$82,814,231▲ $8,577,333
Investments Other Securities$24,355,375$22,256,575▼ $2,098,800
Investments in Publicly Traded Securities$14,709,382$13,580,701▼ $1,128,681
Rtn Earn Endowment Incm Other Fnds$12,639,088$13,539,660▲ $900,572
Savings and Temporary Cash Investments$6,928,676$4,712,216▼ $2,216,460
Land, Buildings, and Equipment, Net$2,334,503$2,302,768▼ $31,735
Cash and Non-Interest-Bearing Accounts$2,227,515$2,099,269▼ $128,246
Accounts Receivable$245,094$250,030▲ $4,936
Intangible Assets$216,725$158,921▼ $57,804
Prepaid Expenses and Deferred Charges$125,466$124,669▼ $797
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$126,669,752$129,944,445▲ $3,274,693
Other Assets Total$1,290,118$1,645,065▲ $354,947
Liabilities
Other Liabilities$112,873,889$115,264,841▲ $2,390,952
Accounts Payable and Accrued Expenses$1,009,156$1,020,896▲ $11,740
Deferred Revenue$147,619$119,048▼ $28,571
Total Liabilities$114,030,664$116,404,785▲ $2,374,121
Net Assets / Fund Balance
Total Net Assets Fund Balance$12,639,088$13,539,660▲ $900,572
Total Liabilities and Net Assets / Fund Balance$126,669,752$129,944,445▲ $3,274,693

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,770,724$2,644,980$4,415,704
Equipment$283,796$1,327,082$1,610,878
Other Land Buildings$55,640$232,061$287,701
Land$192,608-$192,608
Other Securities$636,147--
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Liza EdingerPresident/CEOFT$121,115$69,793$190,908
Steven FerchChairman-$3,000-$3,000
Bill VancosTreasurer-$1,650-$1,650
Rod OlsonSecretary-$1,350-$1,350
David LehmanVice Chairman-$1,200-$1,200
Heather SchallockDirector-$1,000-$1,000
Grace Zuiker NashDirector-$800-$800
Maggie SteffenDirector-$800-$800
Kim SchafferDirector (thru March)-$300-$300

Highest Paid Contractors

ContractorServicesLocationCompensation
CuanswersCore Data Processor6000 28TH STREET SE SUITE 100, Grand Rapids, MI 49546$233,694
Star Systems INCDebit Card Processor1100 CARR RD, Wilmington, DE 19809$216,206
PscuCredit Card Processor560 CARILLON PARKWAY, St Petersburg, FL 33716$110,387
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,581,591
Investment Income
$796,167
Other Revenue
$173,428
Change in Net Assets
$1,047,592
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,061,632
Salaries, Compensation, and Employee Benefits$2,436,909
Grants and Similar Amounts Paid$5,053
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,599,927
Office Expenses---$398,131
Other Employee Benefits---$374,969
Fees for Services Other---$291,943
Depreciation Depletion---$261,720
Other Expenses---$225,679
Occupancy---$221,021
Current Officers, Directors, Trustees, and Key Employees---$200,918
All Other Expenses---$151,256
Advertising---$143,599
Payroll Taxes---$134,045
Pension Plan Contributions---$127,050
Conferences and Meetings---$92,847
Information Technology---$69,860
Insurance---$49,318
Fees for Services Accounting---$16,306
Grants to Domestic Orgs---$2,553
Grants to Domestic Individuals---$2,500
Travel---$1,847
Interest---$4
Total Functional Expenses$0$0$0$5,503,594
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$115,264,841
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
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 three months prior to the record date. 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 member that qualifies to vote 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 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. This dollar amount is arrived at through discussions with supervisors regarding employees, several salary surveys that are reviewed annually of credit union job descriptions, and recent financial trends and economic data. The president/ceo provides the information researched including various statistics to support her recommendation. At this same meeting, the president/ceo excuses herself. Prior to the meeting taking place, 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 then reviews this information provided in advance and additional information compiled by the salary committee chairperson. The committee then reviews all information and discusses and approves a salary increase and bonus for the president/ceo. The committee is comprised of four board members which is a majority of the board. The committee presents this information to the full board at the next board meeting. At the beginning of each year the board approves a bonus plan award scorecard which is developed based on the organization's targeted goals. In january of each year the employees will receive a bonus payout based on this scorecard which results in each employee receiving a percentage of their base salary.”

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
2019-11-14
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
54
Volunteers
9

Preparer

Firm
Wipfli Llp
Address
PO BOX 8010, WAUSAU, WI 54402-8010
Preparer
Mary a Coates CPA
Phone
7158453111
Raw XML AppendixShowing 400 of 477 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/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt024355375
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt022256575
IRS990/InvestmentsPubTradedSecGrp/BOYAmt014709382
IRS990/InvestmentsPubTradedSecGrp/EOYAmt013580701
IRS990/IRPDocumentCnt03991
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04204123
IRS990/LandBldgEquipBasisNetGrp/BOYAmt02334503
IRS990/LandBldgEquipBasisNetGrp/EOYAmt02302768
IRS990/LandBldgEquipCostOrOtherBssAmt06506891
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0171000
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
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
IRS990/NetAssetsOrFundBalancesBOYAmt012639088
IRS990/NetAssetsOrFundBalancesEOYAmt013539660
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-12813
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-12813
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt029337
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt029337
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NetUnrlzdGainsLossesInvstAmt0-147020
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0221021
IRS990/OfficeExpensesGrp/TotalAmt0398131
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01290118
IRS990/OtherAssetsTotalGrp/EOYAmt01645065
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0374969
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON MEMBER SHA
IRS990/OtherExpensesGrp/Desc1BAD DEBT EXPENSE
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc3ATM EXPENSE
IRS990/OtherExpensesGrp/TotalAmt0605344
IRS990/OtherExpensesGrp/TotalAmt1269480
IRS990/OtherExpensesGrp/TotalAmt2263277
IRS990/OtherExpensesGrp/TotalAmt3225679
IRS990/OtherLiabilitiesGrp/BOYAmt0112873889
IRS990/OtherLiabilitiesGrp/EOYAmt0115264841
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER DEPOSIT FEE INCO
IRS990/OtherRevenueMiscGrp/Desc1RECOVERY ON CHARGED OF
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0141095
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt12996
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0141095
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt12996
IRS990/OtherRevenueTotalAmt0144091
IRS990/OtherSalariesAndWagesGrp/TotalAmt01599927
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt074236898
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt082814231
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0134045
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0127050
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0125466
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0124669
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/RelatedOrExemptFuncIncomeAmt04186515
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11181282
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt282510
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt348018
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04186515
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11188415
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt282510
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt348018
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt07133
IRS990/ProgSrvcAccomActy2Grp/Desc0RIPCO ACTIVELY PROMOTES THRIFT TO YOUNG PEOPLE IN THE COMMUNITIES WE SERVE. THE HONEY POT CLUB IS AN EXCLUSIVE SAVINGS CLUB FOR KIDS AGE 12 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 HONEY POT PROGRAMS, PARTIES AND EVENTS THROUGHOUT THE YEAR. A SEPARATE CHECKING ACCOUNT HAS BEEN DEVELOPED GEARED TOWARDS YOUNG ADULTS. ANY MEMBER BETWEEN THE AGE OF 15 AND 25 ARE ELIGIBLE. REQUIREMENTS TO PARTICIPATE IN THE PROGRAM INCLUDE ENROLLMENT IN ONLINE BANKING, E-STATEMENTS AND E-NOTICES. BENEFITS OF THE PROGRAM CONSIST OF WAIVED CHECK CASHING FEES AND COIN MACHINE USAGE FEES, ATM SURCHARGE REFUNDS UP TO $10/MONTH AND SPECIALIZED PERIODIC PROMOTIONS AND INCENTIVES. 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/PYGrantsAndSimilarPaidAmt04780
IRS990/PYInvestmentIncomeAmt0750646
IRS990/PYOtherExpensesAmt02534084
IRS990/PYOtherRevenueAmt0104029
IRS990/PYProgramServiceRevenueAmt04825167
IRS990/PYRevenuesLessExpensesAmt0804824
IRS990/PYSalariesCompEmpBnftPaidAmt02336154
IRS990/PYTotalExpensesAmt04875018
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt05679842
IRS990/ReconcilationRevenueExpnssAmt01047592
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt029337
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt012639088
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt013539660
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06928676
IRS990/SavingsAndTempCashInvstGrp/EOYAmt04712216
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01770724
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02644980
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt04415704
IRS990ScheduleD/EquipmentGrp/BookValueAmt0283796
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01327082
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01610878
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd00
IRS990ScheduleD/LandGrp/BookValueAmt0192608
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0192608
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt055640
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0232061
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0287701
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0115264841
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt013646000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt14232000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2106181
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3429369
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt41250000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt51956878
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt6636147
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1LOANS TO AND INVESTMENTS IN NATURAL PERSON CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2MEMBERSHIP CAPITAL AT CORP
IRS990ScheduleD/OtherSecuritiesGrp/Desc3PAID IN CAPITAL AT CORP
IRS990ScheduleD/OtherSecuritiesGrp/Desc4ALL OTHER INVESTMENTS IN CORPORATE CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc5ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc6LOANS HELD FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd6C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02302768
IRS990ScheduleD/TotalBookValueSecuritiesAmt022256575
IRS990ScheduleD/TotalLiabilityAmt0115264841
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0121115
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount023816
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt016315
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt029437
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt0225
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LIZA EDINGER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0190908
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SubstantiationRequiredInd01
IRS990ScheduleJ/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION PAYS FOR EXPENSES FOR THE BOARD OF DIRECTORS AND THEIR COMPANIONS ASSOCIATED WITH SEMINARS OR TRAINING THAT A BOARD DIRECTOR ATTENDS. IT IS A VERBAL UNDERSTANDING, NOT A WRITTEN POLICY. DOCUMENTATION OF THE SEMINAR AND RECEIPTS OF EXPENSES ARE REQUIRED TO SUPPORT THE EXPENSES PAID FOR BY THE CREDIT UNION.
IRS990ScheduleJ/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 1B
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990ScheduleJ/TravelForCompanionsInd0X
IRS990ScheduleJ/WrittenPolicyRefTAndEExpnssInd00
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 THREE MONTHS PRIOR TO THE RECORD DATE. 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 MEMBER THAT QUALIFIES TO VOTE 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. THIS DOLLAR AMOUNT IS ARRIVED AT THROUGH DISCUSSIONS WITH SUPERVISORS REGARDING EMPLOYEES, SEVERAL SALARY SURVEYS THAT ARE REVIEWED ANNUALLY OF CREDIT UNION JOB DESCRIPTIONS, AND RECENT FINANCIAL TRENDS AND ECONOMIC DATA. THE PRESIDENT/CEO PROVIDES THE INFORMATION RESEARCHED INCLUDING VARIOUS STATISTICS TO SUPPORT HER RECOMMENDATION. AT THIS SAME MEETING, THE PRESIDENT/CEO EXCUSES HERSELF. PRIOR TO THE MEETING TAKING PLACE, 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 THEN REVIEWS THIS INFORMATION PROVIDED IN ADVANCE AND ADDITIONAL INFORMATION COMPILED BY THE SALARY COMMITTEE CHAIRPERSON. THE COMMITTEE THEN REVIEWS ALL INFORMATION AND DISCUSSES AND APPROVES A SALARY INCREASE AND BONUS FOR THE PRESIDENT/CEO. THE COMMITTEE IS COMPRISED OF FOUR BOARD MEMBERS WHICH IS A MAJORITY OF THE BOARD. THE COMMITTEE PRESENTS THIS INFORMATION TO THE FULL BOARD AT THE NEXT BOARD MEETING. AT THE BEGINNING OF EACH YEAR THE BOARD APPROVES A BONUS PLAN AWARD SCORECARD WHICH IS DEVELOPED BASED ON THE ORGANIZATION'S TARGETED GOALS. IN JANUARY OF EACH YEAR THE EMPLOYEES WILL RECEIVE A BONUS PAYOUT BASED ON THIS SCORECARD WHICH RESULTS IN EACH EMPLOYEE RECEIVING A PERCENTAGE OF THEIR BASE SALARY.
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 11B
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/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$129,944,445
Liabilities
$116,404,785
Net assets
$13,539,660
Revenue
$6,551,186
Expenses
$5,503,594
Net income
$1,047,592
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
2018Detailed filing. Detailed filing data is available for this year.$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

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