Civic Intelligence

Health Care Credit Union

EIN 39-0992061 • 501(c)14 • Oshkosh, WI

View Organization Page

Profile

To provide appropriate financial services to health care workers who are employed or reside in Winnebago County, Wisconsin, so that they may increase their personal financial strength and stability.

PO Box 2346Oshkosh, WI 54903-2346

www.healthcarecu.org

Siviq Scores

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

Liabilities / Assets

38th percentile

0.85x

Higher debt load relative to assets than 38% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Liabilities / Revenue

26th percentile

12.91x

Higher debt load relative to revenue than 26% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Net Margin

86th percentile

25%

Higher net margin than 86% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Top Officer Pay

60th percentile

$128,826

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2025

Asset Growth

55th percentile

1.5%

Faster asset growth than 55% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Revenue Growth

25th percentile

1.3%

Faster revenue growth than 25% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets38th percentile

Assets

$35,727,612

No earlier filing loaded for comparison.

Liabilities

$30,931,250

No earlier filing loaded for comparison.

Net Assets

$4,796,362

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue26th percentileNet Margin86th percentile

Revenue

$2,361,545

No earlier filing loaded for comparison.

Expenses

$1,769,812

No earlier filing loaded for comparison.

Net Income

$591,733

No earlier filing loaded for comparison.

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: $13,518,015Liabilities 2010: $12,555,199Net Assets 2010: $962,8162010Assets 2011: $13,166,937Liabilities 2011: $12,135,698Net Assets 2011: $1,031,2392011Assets 2012: $13,649,029Liabilities 2012: $12,559,574Net Assets 2012: $1,089,4552012Assets 2013: $13,393,162Liabilities 2013: $12,170,049Net Assets 2013: $1,223,1132013Assets 2014: $13,380,730Liabilities 2014: $12,128,134Net Assets 2014: $1,252,5962014Assets 2015: $15,695,128Liabilities 2015: $14,150,388Net Assets 2015: $1,544,7402015Assets 2017: $16,821,905Liabilities 2017: $15,076,661Net Assets 2017: $1,745,2442017Assets 2018: $17,761,083Liabilities 2018: $15,733,186Net Assets 2018: $2,027,8972018Assets 2019: $20,129,284Liabilities 2019: $17,720,763Net Assets 2019: $2,408,5212019Assets 2020: $25,337,183Liabilities 2020: $22,566,230Net Assets 2020: $2,770,9532020Assets 2024: $35,727,612Liabilities 2024: $30,931,250Net Assets 2024: $4,796,3622024

Highlighted filing

2024

Assets$35,727,612
Liabilities$30,931,250
Net Assets$4,796,362
Open 2024 Filing

Operations Trend

Revenue Growth25th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $637,1992010Revenue 2011: $679,555Expenses 2011: $611,132Net Income 2011: $68,4232011Expenses 2012: $581,7232012Revenue 2013: $692,706Expenses 2013: $559,048Net Income 2013: $133,6582013Revenue 2014: $641,152Expenses 2014: $611,669Net Income 2014: $29,4832014Revenue 2015: $682,228Expenses 2015: $705,331Net Income 2015: -$23,1032015Revenue 2017: $871,700Expenses 2017: $725,494Net Income 2017: $146,2062017Revenue 2018: $1,096,804Expenses 2018: $814,151Net Income 2018: $282,6532018Revenue 2019: $1,314,857Expenses 2019: $934,233Net Income 2019: $380,6242019Revenue 2020: $1,429,173Expenses 2020: $1,066,741Net Income 2020: $362,4322020Revenue 2024: $2,361,545Expenses 2024: $1,769,812Net Income 2024: $591,7332024

Highlighted filing

2024

Revenue$2,361,545
Expenses$1,769,812
Net Income$591,733
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$35,727,612
Liabilities
$30,931,250
Net assets
$4,796,362
Revenue
$2,361,545
Expenses
$1,769,812
Net income
$591,733
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$35.7$30.9$4.80$2.36$1.77$0.59
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.3$22.6$2.77$1.43$1.07$0.36
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.1$17.7$2.41$1.31$0.93$0.38
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.8$15.7$2.03$1.10$0.81$0.28
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.8$15.1$1.75$0.87$0.73$0.15
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.7$14.2$1.54$0.68$0.71$0.02
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$13.4$12.1$1.25$0.64$0.61$0.03
2013Detailed filing. Detailed filing data is available for this year.$13.4$12.2$1.22$0.69$0.56$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.6$12.6$1.09$0.58
2011Summary only. Only limited summary data is available for this year.$13.2$12.1$1.03$0.68$0.61$0.07
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.5$12.6$0.96$0.64
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 21, 2025
Return Version
2024v5.0
Gross Receipts
$2,361,545
Mission and Program Overview

Mission

To provide appropriate financial services to our members so they may increase their personal financial strength and stability.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$25,819,230$26,740,608▲ $921,378
Savings and Temporary Cash Investments$4,921,057$7,429,779▲ $2,508,722
Rtn Earn Endowment Incm Other Fnds$4,204,629$4,796,362▲ $591,733
Cash and Non-Interest-Bearing Accounts$379,649$365,084▼ $14,565
Land, Buildings, and Equipment, Net$365,769$353,510▼ $12,259
Prepaid Expenses and Deferred Charges$161,826$278,860▲ $117,034
Investments Program Related$3,396,137$133,623▼ $3,262,514
Accounts Receivable$12,914--
Total Assets$35,119,008$35,727,612▲ $608,604
Other Assets Total$62,426$426,148▲ $363,722
Liabilities
Other Liabilities$30,710,605$30,746,021▲ $35,416
Escrow Account Liability-$129,211-
Accounts Payable and Accrued Expenses$203,774$56,018▼ $147,756
Total Liabilities$30,914,379$30,931,250▲ $16,871
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,204,629$4,796,362▲ $591,733
Total Liabilities and Net Assets / Fund Balance$35,119,008$35,727,612▲ $608,604

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$55,061$342,359$397,420
Buildings$166,449$118,202$284,651
Land$132,000-$132,000
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Danielle HilbertPresident/ceFT$111,992$111,992

Board Members and Trustees

NameTitle
Elizabeth CummingsChair
Ted BowenVice-chair
David KiesowDirector
Kim VerstegenDirector
Tabitha MillerDirector
Paula PedrettiSecretary
Sue HammersengTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
OmnicommanderIt Services327 S HWY 33, Santa Rosa Beach, FL 32459$116,708
Share TecCore Processor101 E WASHINGTON BLVD, Fort Wayne, IN 46802$113,506
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,953,977
Investment Income
$403,587
Other Revenue
$3,981
Change in Net Assets
$591,733
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,326,834
Salaries, Compensation, and Employee Benefits$442,978
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$272,523
Other Salaries and Wages---$269,519
Information Technology---$152,266
Current Officers, Directors, Trustees, and Key Employees---$111,992
Fees for Services Other---$70,639
Payroll Taxes---$34,833
Occupancy---$33,918
Depreciation Depletion---$31,315
Insurance---$29,275
Other Employee Benefits---$26,634
Conferences and Meetings---$12,632
Fees for Services Accounting---$10,818
Fees for Services Legal---$7,366
Advertising---$5,337
Travel---$1,312
Interest---$3
Other Expenses---$-34,041
Total Functional Expenses$0$0$0$1,769,812
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
Member Shares & Deposits$30,875,232
Escrow Accounts to Line 21 Bal Sheet$-129,211
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 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
Yes
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

Form 990, Part VI

“The credit union changed from a closed charter credit union to community the organization has members. To be a member one must have a share management provdies necessary data to independent preparer who completes”

Form 990, Page 6, Part VI, Line 4

“During 2024 the organization's name was changed from health care credit union to ripple credit union.”

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member one must have a share (savings) account at the credit union.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the credit union members. Each member has one vote.”

Form 990, Page 6, Part VI, Line 7B

“A member vote is required for decisions which are beyond the authority of the board of directors. Items which require a membership vote are outlined and specified in our bylaws. Each member has one vote.”

Form 990, Page 6, Part VI, Line 11B

“Management provdies necessary data to independent preparer who completes the return. Management reviews the return for accuracy, and then authorizes the prepareer to e-file the approved return. Management reviews the return with the directors at their next board meeting.”

Form 990, Page 6, Part VI, Line 12C

“The policy is reviewed annually, and all family members/friends/relatives must be disclosed as well as ties to any of the credit union vendors. This applies to board and staff members. It must be redisclosed annually and requires a sign off.”

Form 990, Page 6, Part VI, Line 15A

“The board determines the compensation for the president/ceo and utilizes salary surveys as part of the process.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and conflict of interest policy are available to members upon request. Financial statements are posted at the credit union.”

Filing and Contact Details

Filer

Filer Name
Ripple Credit Union
EIN
39-0992061
Phone
9202331140
Address
PO BOX 2346, OSHKOSH, WI 54903-2346

Signing Officer

Name
Danielle Hilbert
Title
President/CEO
Phone
9202331140
Signed
2025-04-21
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Danielle Hilbert
Formed
1960
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
7

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Supplemental Narrative

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“The credit union holds funds in escrow accounts for property taxes and homeowners insurance related to mortgage loans.”

Raw XML Appendix375 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/Desc1CREDIT LOSS EXPENSE
IRS990/OtherExpensesGrp/Desc2CREDIT/DEBIT CARD EXPENSE
IRS990/OtherExpensesGrp/Desc3OTHER CARD PROCESSING
IRS990/OtherExpensesGrp/TotalAmt0506177
IRS990/OtherExpensesGrp/TotalAmt1137055
IRS990/OtherExpensesGrp/TotalAmt290239
IRS990/OtherExpensesGrp/TotalAmt3-34041
IRS990/OtherLiabilitiesGrp/BOYAmt030710605
IRS990/OtherLiabilitiesGrp/EOYAmt030746021
IRS990/OtherSalariesAndWagesGrp/TotalAmt0269519
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt025819230
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt026740608
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt034833
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0161826
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0278860
IRS990/PrincipalOfficerNm0DANIELLE HILBERT
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522310
IRS990/ProgramServiceRevenueGrp/BusinessCd3520000
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER MEMBER RELATED INCOME
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FEE & INSURANCE REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01649139
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1153411
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2151227
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01649139
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1153411
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2151227
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3200
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0200
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 382 NEW LOANS DURING 2024. AS OF 12/31/24 WE HAD 1,269 OUTSTANDING LOANS RECEIVABLE.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0307875
IRS990/PYOtherExpensesAmt01179489
IRS990/PYOtherRevenueAmt04817
IRS990/PYProgramServiceRevenueAmt01907093
IRS990/PYRevenuesLessExpensesAmt0590827
IRS990/PYSalariesCompEmpBnftPaidAmt0449469
IRS990/PYTotalExpensesAmt01628958
IRS990/PYTotalRevenueAmt02219785
IRS990/ReconcilationRevenueExpnssAmt0591733
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesRevenueGrp/ExclusionAmt03981
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt03981
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04204629
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt04796362
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04921057
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07429779
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/AgentTrusteeEtcInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0166449
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0118202
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0284651
IRS990ScheduleD/EquipmentGrp/BookValueAmt055061
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0342359
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0397420
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt0132000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0132000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030875232
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1-129211
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ESCROW ACCOUNTS TO LINE 21 BAL SHEET
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HOLDS FUNDS IN ESCROW ACCOUNTS FOR PROPERTY TAXES AND HOMEOWNERS INSURANCE RELATED TO MORTGAGE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0353510
IRS990ScheduleD/TotalLiabilityAmt030746021
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION CHANGED FROM A CLOSED CHARTER CREDIT UNION TO COMMUNITY THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE MANAGEMENT PROVDIES NECESSARY DATA TO INDEPENDENT PREPARER WHO COMPLETES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DURING 2024 THE ORGANIZATION'S NAME WAS CHANGED FROM HEALTH CARE CREDIT UNION TO RIPPLE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A MEMBER VOTE IS REQUIRED FOR DECISIONS WHICH ARE BEYOND THE AUTHORITY OF THE BOARD OF DIRECTORS. ITEMS WHICH REQUIRE A MEMBERSHIP VOTE ARE OUTLINED AND SPECIFIED IN OUR BYLAWS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MANAGEMENT PROVDIES NECESSARY DATA TO INDEPENDENT PREPARER WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES THE PREPAREER TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE RETURN WITH THE DIRECTORS AT THEIR NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE POLICY IS REVIEWED ANNUALLY, AND ALL FAMILY MEMBERS/FRIENDS/RELATIVES MUST BE DISCLOSED AS WELL AS TIES TO ANY OF THE CREDIT UNION VENDORS. THIS APPLIES TO BOARD AND STAFF MEMBERS. IT MUST BE REDISCLOSED ANNUALLY AND REQUIRES A SIGN OFF.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE BOARD DETERMINES THE COMPENSATION FOR THE PRESIDENT/CEO AND UTILIZES SALARY SURVEYS AS PART OF THE PROCESS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE TO MEMBERS UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt035119008
IRS990/TotalAssetsEOYAmt035727612
IRS990/TotalAssetsGrp/BOYAmt035119008
IRS990/TotalAssetsGrp/EOYAmt035727612
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01769812
IRS990/TotalGrossUBIAmt0200
IRS990/TotalLiabilitiesBOYAmt030914379
IRS990/TotalLiabilitiesEOYAmt030931250
IRS990/TotalLiabilitiesGrp/BOYAmt030914379
IRS990/TotalLiabilitiesGrp/EOYAmt030931250
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04204629
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04796362
IRS990/TotalProgramServiceRevenueAmt01953977
IRS990/TotalReportableCompFromOrgAmt0111992
IRS990/TotalRevenueGrp/ExclusionAmt0407568
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01953777
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02361545
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0200
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt035119008
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt035727612
IRS990/TravelGrp/TotalAmt01312
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 2346
IRS990/USAddress/CityNm0OSHKOSH
IRS990/USAddress/StateAbbreviationCd0WI
IRS990/USAddress/ZIPCd0549032346
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0RIPPLECU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DANIELLE HILBERT
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09202331140
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-04-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RIPPLE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIPP
ReturnHeader/Filer/EIN0390992061
ReturnHeader/Filer/PhoneNum09202331140
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 2346
ReturnHeader/Filer/USAddress/CityNm0OSHKOSH
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd0549032346
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0811697509
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0AUDIT THREESIXTY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01202 JOHNSON ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ONALASKA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0546502008
ReturnHeader/PreparerPersonGrp/PhoneNum06083173765
ReturnHeader/PreparerPersonGrp/PreparationDt02025-04-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-04-25T13:48:56-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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