Civic Intelligence

Unknown Organization

990 • Fiscal year 2014 • EIN 39-0988356

Jan 01, 2014 to Dec 31, 2014 • Filed on May 20, 2015

Organization Profilewww.r-mcu.com

View Organization Page

1515 17th StreetTwo Rivers, WI 54241

(920) 793-1700

Siviq Scores

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

Liabilities / Assets

86th percentile

0.91x

Higher debt load relative to assets than 86% of similar nonprofits.

2014 filings • 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.

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

Net Margin

18th percentile

-0.4%

Higher net margin than 18% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2014

Asset Growth

42nd percentile

0.5%

Faster asset growth than 42% of similar nonprofits.

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

Revenue Growth

6th percentile

-10.0%

Faster revenue growth than 6% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets86th percentile

Assets

Up

$33,140,725

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

Net Assets

Down

$2,821,467

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

Liabilities

Up

$30,319,258

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

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin18th 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

Historical Trend

Balance Sheet Trend

Asset Growth42nd percentile

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

$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 Growth6th percentile

Revenue, expenses, and net income across loaded years, with this 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
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 20, 2015
Return Version
2014v5.0
Gross Receipts
$1,006,756
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$19,646,749$18,064,795▼ $1,581,954
Savings and Temporary Cash Investments$3,429,803$11,881,535▲ $8,451,732
Rtn Earn Endowment Incm Other Fnds$2,825,400$2,821,467▼ $3,933
Cash and Non-Interest-Bearing Accounts$8,723,183$1,981,184▼ $6,741,999
Land, Buildings, and Equipment, Net$553,912$604,974▲ $51,062
Investments Program Related$510,118$546,939▲ $36,821
Prepaid Expenses and Deferred Charges$39,301$24,677▼ $14,624
Total Assets$32,972,174$33,140,725▲ $168,551
Other Assets Total$69,108$36,621▼ $32,487
Liabilities
Other Liabilities$30,134,813$30,304,455▲ $169,642
Accounts Payable and Accrued Expenses$11,961$14,803▲ $2,842
Total Liabilities$30,146,774$30,319,258▲ $172,484
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,825,400$2,821,467▼ $3,933
Total Liabilities and Net Assets / Fund Balance$32,972,174$33,140,725▲ $168,551

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$314,155$453,653$767,808
Other Land Buildings$145,553$393,536$539,089
Equipment$2,580$235,451$238,031
Land$142,686-$142,686
Investment Program Related Org$2,000--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Bonnie TimmPresidentFT$82,727$82,727
Cathleen LambriesDirector-$240$240
Jill BackusTreasurer-$240$240
Ken SwadeChairman-$240$240
Len ReindlSecretary-$240$240
Mary DrohmanVice-Chair-$240$240
Patrick KrajnikDirector-$240$240
Sharon ShoemakerDirector-$240$240
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$931,498
Investment Income
$34,210
Other Revenue
$11,626
Change in Net Assets
$-3,933
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$494,906
Salaries, Compensation, and Employee Benefits$486,361
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$299,051
Information Technology---$120,269
Current Officers, Directors, Trustees, and Key Employees---$84,407
Office Expenses---$66,741
Other Employee Benefits---$65,439
Depreciation Depletion---$60,770
Occupancy---$55,741
Fees for Services Other---$38,228
Advertising---$33,474
Payroll Taxes---$29,464
All Other Expenses---$22,910
Insurance---$20,794
Payments to Affiliates---$17,691
Pension Plan Contributions---$8,000
Travel---$7,936
Fees for Services Accounting---$6,079
Conferences and Meetings---$4,251
Other Expenses-$-33,628-$-33,628
Total Functional Expenses$0$0$0$981,267
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$30,298,311
Other Liabilities$5,362
Accrued Dividends$782
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

Filer Name
RiverWood-Maritime Credit Union
EIN
39-0988356
Address
1515 17th Street, Two Rivers, WI 54241

Signing Officer

Name
Bonnie Timm
Title
President
Phone
9207931700
Signed
2015-05-20
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
9
Volunteers
9

Preparer

Firm
WCUL Services Corp
Address
N25W23131 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
Supplemental Narrative

Additional Explanations

Unrelated business income explanation Part V line 3B

“Extension to be filed”

Raw XML Appendix386 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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IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0767808
IRS990ScheduleD/EquipmentGrp/BookValueAmt02580
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0235451
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0238031
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0297614
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1247325
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/BookValueAmt0145553
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0393536
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0539089
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030298311
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1782
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt25362
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares & Deposits
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Accrued Dividends
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Other Liabilities
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0604974
IRS990ScheduleD/TotalBookValueProgramRltdAmt0546939
IRS990ScheduleD/TotalLiabilityAmt030304455
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/TotalAssetsBOYAmt032972174
IRS990/TotalAssetsEOYAmt033140725
IRS990/TotalAssetsGrp/BOYAmt032972174
IRS990/TotalAssetsGrp/EOYAmt033140725
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0981267
IRS990/TotalGrossUBIAmt01759
IRS990/TotalLiabilitiesBOYAmt030146774
IRS990/TotalLiabilitiesEOYAmt030319258
IRS990/TotalLiabilitiesGrp/BOYAmt030146774
IRS990/TotalLiabilitiesGrp/EOYAmt030319258
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02825400
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02821467
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0931498
IRS990/TotalReportableCompFromOrgAmt084407
IRS990/TotalRevenueGrp/ExclusionAmt038421
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0937154
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0977334
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt01759
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt032972174
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt033140725
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt07936
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.r-mcu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0Bonnie Timm
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum09207931700
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-05-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RiverWood-Maritime Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0390988356
ReturnHeader/Filer/USAddress/AddressLine1Txt01515 17th Street
ReturnHeader/Filer/USAddress/CityNm0Two Rivers
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054241
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W23131 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02015-07-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02015-07-25T15:20:22-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

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

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