Civic Intelligence

Riverwood-Maritime Credit Union

EIN 39-0988356 • 501(c)14

View Organization Page

Profile

To become our members #1 financial source by serving them with respect, honesty, confidentialty and providing them with the best possible products, rates and fees, while maintaining financial strength for the organization.

1515 17th Street54241

www.r-mcu.com

Siviq Scores

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

Liabilities / Assets

84th percentile

0.91x

Higher debt load relative to assets than 84% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

92nd percentile

31.02x

Higher debt load relative to revenue than 92% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

21st percentile

-0.4%

Higher net margin than 21% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

55th percentile

0.5%

Faster asset growth than 55% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

9th percentile

-10.0%

Faster revenue growth than 9% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets84th percentile

Assets

Up

$33,140,725

Up $168,551 (+0.5%) from 2013

Liabilities

Up

$30,319,258

Up $172,484 (+0.6%) from 2013

Net Assets

Down

$2,821,467

Down $3,933 (-0.1%) from 2013

Operations
Liabilities / Revenue92nd percentileNet Margin21st percentile

Revenue

Down

$977,334

Down $108,311 (-10.0%) from 2013

Expenses

Down

$981,267

Down $28,525 (-2.8%) from 2013

Net Income

Down

-$3,933

Down $79,786 (-105%) from 2013

Trend Graphs

Balance Sheet Trend

Asset Growth55th percentile

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

$40M$30M$20M$10M$0Assets 2010: $29,143,674Liabilities 2010: $26,410,599Net Assets 2010: $2,733,0752010Assets 2011: $30,245,363Liabilities 2011: $27,604,123Net Assets 2011: $2,641,2402011Assets 2012: $30,740,660Liabilities 2012: $27,991,113Net Assets 2012: $2,749,5472012Assets 2013: $32,972,174Liabilities 2013: $30,146,774Net Assets 2013: $2,825,4002013Assets 2014: $33,140,725Liabilities 2014: $30,319,258Net Assets 2014: $2,821,4672014

Highlighted filing

2014

Assets$33,140,725
Liabilities$30,319,258
Net Assets$2,821,467
Open 2014 Filing

Operations Trend

Revenue Growth9th percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,265,3392010Expenses 2011: $1,260,8392011Expenses 2012: $1,050,9562012Revenue 2013: $1,085,645Expenses 2013: $1,009,792Net Income 2013: $75,8532013Revenue 2014: $977,334Expenses 2014: $981,267Net Income 2014: -$3,9332014

Highlighted filing

2014

Revenue$977,334
Expenses$981,267
Net Income-$3,933
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Import issue. A filing source exists for this year, but detailed import did not complete cleanly.

Open filing
Assets
$33,140,725
Liabilities
$30,319,258
Net assets
$2,821,467
Revenue
$977,334
Expenses
$981,267
Net income
-$3,933
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$33.1$30.3$2.82$0.98$0.98$0.00
2013Detailed filing. Detailed filing data is available for this year.$33.0$30.1$2.83$1.09$1.01$0.08
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.7$28.0$2.75$1.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.2$27.6$2.64$1.26
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$29.1$26.4$2.73$1.27
Latest Detailed Filing

The latest 2014 filing currently has an XML import problem. Showing the latest detailed filing from 2013 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 20, 2014
Return Version
2013v3.1
Gross Receipts
$1,085,645
Mission and Program Overview

Mission

To become our members #1 financial source by serving them with respect, honesty, confidentialty and providing them with the best possible products, rates and fees, while maintaining financial strength for the organization.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$20,631,634$19,646,749▼ $984,885
Cash and Non-Interest-Bearing Accounts$1,317,577$8,723,183▲ $7,405,606
Savings and Temporary Cash Investments$7,874,631$3,429,803▼ $4,444,828
Rtn Earn Endowment Incm Other Fnds$2,749,547$2,825,400▲ $75,853
Land, Buildings, and Equipment, Net$523,423$553,912▲ $30,489
Investments Program Related$273,046$510,118▲ $237,072
Prepaid Expenses and Deferred Charges$43,209$39,301▼ $3,908
Total Assets$30,740,660$32,972,174▲ $2,231,514
Other Assets Total$77,140$69,108▼ $8,032
Liabilities
Other Liabilities$27,975,325$30,134,813▲ $2,159,488
Accounts Payable and Accrued Expenses$15,788$11,961▼ $3,827
Total Liabilities$27,991,113$30,146,774▲ $2,155,661
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,749,547$2,825,400▲ $75,853
Total Liabilities and Net Assets / Fund Balance$30,740,660$32,972,174▲ $2,231,514

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$330,916$431,207$762,123
Other Land Buildings$75,882$357,059$432,941
Equipment$4,428$233,603$238,031
Land$142,686-$142,686
Investment Program Related Org$2,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bonnie TimmPresidentFT$67,778$13,086$80,864
Ken SwadeChairman-$220-$220
Len ReindlDirector-$220-$220
Jill BackusTreasurer-$200-$200
Cathleen LambriesDirector-$180-$180
Mary DrohmanVice-Chair-$180-$180
Patrick KrajnikDirector-$180-$180
Sharon ShoemakerSecretary-$120-$120
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,042,440
Investment Income
$25,623
Other Revenue
$17,582
Change in Net Assets
$75,853
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$526,100
Salaries, Compensation, and Employee Benefits$483,692
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$314,621
Information Technology---$109,887
Office Expenses---$91,315
Current Officers, Directors, Trustees, and Key Employees---$69,078
Other Employee Benefits---$62,660
Depreciation Depletion---$54,263
Occupancy---$50,576
Advertising---$40,058
Payroll Taxes---$30,666
Fees for Services Other---$24,563
All Other Expenses---$23,357
Insurance---$21,634
Payments to Affiliates---$17,818
Travel---$7,600
Pension Plan Contributions---$6,667
Fees for Services Accounting---$6,154
Conferences and Meetings---$2,708
Other Expenses-$-27,362-$-27,362
Total Functional Expenses$0$0$0$1,009,792
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$30,133,315
Accrued Dividends$1,100
Other Liabilities$398
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).”

Member election for additional members Part VI line 7A

“The Board of Directors is elected by the membership utilizing their one vote per member.”

Governing body decisions Part VI line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization's bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).”

Form 990 governing body review Part VI line 11

“Reviewed by all Board Members before accepting at a Board meeting.”

Conflict of interest policy compliance Part VI line 12C

“A list is provided of the vendors we use and the Board Members review that for any conflicts.”

CEO executive director top management comp Part VI line 15A

“Personnel Committee review then offer suggestions to full Board”

Governing documents etc available to public Part VI line 19

“Financials are posted annually. Policies and documents made available upon request.”

Filing and Contact Details

Filer

EIN
39-0988356

Signing Officer

Name
Bonnie Timm
Title
President
Phone
9207931700
Signed
2014-05-20
Discuss with paid preparer
No

Organization Details

Principal Officer
Bonnie Timm
Formed
1938
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
13
Volunteers
9

Preparer

Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Unrelated business income explanation Part V line 3B

“Extension to be filed”

Raw XML Appendix383 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/RoyaltiesRevenueGrp/TotalRevenueColumnAmt04317
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02749547
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02825400
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07874631
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03429803
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0330916
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0431207
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0762123
IRS990ScheduleD/EquipmentGrp/BookValueAmt04428
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0233603
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0238031
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0277541
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1230577
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt22000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0NCUA Capitalization
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1CCCU PIC & MCS
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2WISCUB
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/LandGrp/BookValueAmt0142686
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0142686
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt075882
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0357059
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0432941
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030133315
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11100
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2398
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Other Liabilities
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0553912
IRS990ScheduleD/TotalBookValueProgramRltdAmt0510118
IRS990ScheduleD/TotalLiabilityAmt030134813
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Extension to be filed
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The Board of Directors is elected by the membership utilizing their one vote per member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organization's bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Reviewed by all Board Members before accepting at a Board meeting.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5A list is provided of the vendors we use and the Board Members review that for any conflicts.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Personnel Committee review then offer suggestions to full Board
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Financials are posted annually. Policies and documents made available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Unrelated business income explanation Part V line 3b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt030740660
IRS990/TotalAssetsEOYAmt032972174
IRS990/TotalAssetsGrp/BOYAmt030740660
IRS990/TotalAssetsGrp/EOYAmt032972174
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01009792
IRS990/TotalGrossUBIAmt01747
IRS990/TotalLiabilitiesBOYAmt027991113
IRS990/TotalLiabilitiesEOYAmt030146774
IRS990/TotalLiabilitiesGrp/BOYAmt027991113
IRS990/TotalLiabilitiesGrp/EOYAmt030146774
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02749547
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02825400
IRS990/TotalOtherCompensationAmt013086
IRS990/TotalProgramServiceRevenueAmt01042440
IRS990/TotalReportableCompFromOrgAmt069078
IRS990/TotalRevenueGrp/ExclusionAmt029940
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01053958
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01085645
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01747
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt030740660
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt032972174
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt07600
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.r-mcu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Bonnie Timm
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09207931700
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-20
ReturnHeader/Filer/BusinessName/BusinessNameLine10RiverWood-Maritime Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0390988356
ReturnHeader/Filer/USAddress/AddressLine101515 17th Street
ReturnHeader/Filer/USAddress/City0Two Rivers
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054241
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02014-11-11
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02014-11-11T16:08:22-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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