Civic Intelligence

Unknown Organization

EIN 39-6056575 • 501(c)14

View Organization Page

Profile

River city community credit union is a member owned financial institution established in 1941. Our mission is to maintain long term financial stability in a competitive market place by providing personalized products and services for our members.

1009 South 4th Street54601

www.rcccu.org

Siviq Scores

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

Liabilities / Assets

65th percentile

0.88x

Higher debt load relative to assets than 65% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

81st percentile

22.18x

Higher debt load relative to revenue than 81% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

28th percentile

-2.0%

Higher net margin than 28% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

47th percentile

$77,650

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 16.1% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

79th percentile

5.0%

Faster asset growth than 79% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets65th percentile

Assets

Up

$12,134,896

Up $582,803 (+5.0%) from 2012

Liabilities

Up

$10,663,644

Up $592,182 (+5.9%) from 2012

Net Assets

Down

$1,471,252

Down $9,379 (-0.6%) from 2012

Operations
Liabilities / Revenue81st percentileNet Margin28th percentile

Revenue

$480,813

No earlier filing loaded for comparison.

Expenses

Up

$490,192

Up $12,871 (+2.7%) from 2012

Net Income

-$9,379

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth79th percentile

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

$15M$10M$5.0M$0Assets 2010: $10,502,988Liabilities 2010: $9,070,328Net Assets 2010: $1,432,6602010Assets 2011: $10,754,926Liabilities 2011: $9,304,168Net Assets 2011: $1,450,7582011Assets 2012: $11,552,093Liabilities 2012: $10,071,462Net Assets 2012: $1,480,6312012Assets 2013: $12,134,896Liabilities 2013: $10,663,644Net Assets 2013: $1,471,2522013

Highlighted filing

2013

Assets$12,134,896
Liabilities$10,663,644
Net Assets$1,471,252
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$600K$400K$200K$0-$200KExpenses 2010: $532,4832010Expenses 2011: $496,4582011Expenses 2012: $477,3212012Revenue 2013: $480,813Expenses 2013: $490,192Net Income 2013: -$9,3792013

Highlighted filing

2013

Revenue$480,813
Expenses$490,192
Net Income-$9,379
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$12,134,896
Liabilities
$10,663,644
Net assets
$1,471,252
Revenue
$480,813
Expenses
$490,192
Net income
-$9,379
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$12.1$10.7$1.47$0.48$0.49$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$10.1$1.48$0.48
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.8$9.30$1.45$0.50
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$10.5$9.07$1.43$0.53
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Jul 10, 2014
Return Version
2013v3.1
Gross Receipts
$519,363
Mission and Program Overview

Mission

River city community credit union is a member owned financial institution established in 1941. Our mission is to maintain long term financial stability in a competitive market place by providing personalized products and services for our members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$6,543,260$7,190,168▲ $646,908
Savings and Temporary Cash Investments$2,591,863$2,254,122▼ $337,741
Investments Program Related$1,982,162$2,186,641▲ $204,479
Rtn Earn Endowment Incm Other Fnds$1,480,631$1,471,252▼ $9,379
Cash and Non-Interest-Bearing Accounts$127,670$191,793▲ $64,123
Land, Buildings, and Equipment, Net$128,702$164,366▲ $35,664
Prepaid Expenses and Deferred Charges$20,144$17,819▼ $2,325
Total Assets$11,552,093$12,134,896▲ $582,803
Other Assets Total$158,292$129,987▼ $28,305
Liabilities
Other Liabilities$10,004,760$10,601,528▲ $596,768
Escrow Account Liability$27,486$33,319▲ $5,833
Accounts Payable and Accrued Expenses$39,216$28,797▼ $10,419
Total Liabilities$10,071,462$10,663,644▲ $592,182
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,480,631$1,471,252▼ $9,379
Total Liabilities and Net Assets / Fund Balance$11,552,093$12,134,896▲ $582,803

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$102,683$165,704$268,387
Equipment$683$146,688$147,371
Land$61,000-$61,000
Investment Program Related Org$500--
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bea ZingsheimPresidentFT$60,701$16,949$77,650

Board Members and Trustees

NameTitle
Jamie MeldeChair
Gary JohnsonVice Chair
Duane CalkinsDirector
Joe WeissDirector
Kristina JothenSecretary
Deborah SimonisTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$450,574
Investment Income
$28,909
Other Revenue
$1,330
Change in Net Assets
$-9,379
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$245,258
Salaries, Compensation, and Employee Benefits$244,934
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$120,552
Other Salaries and Wages---$116,645
Current Officers, Directors, Trustees, and Key Employees---$60,701
Other Employee Benefits---$38,796
Information Technology---$31,865
Occupancy---$17,589
Payroll Taxes---$15,804
Pension Plan Contributions---$12,988
Depreciation Depletion---$11,085
Insurance---$8,950
Conferences and Meetings---$4,996
Fees for Services Other---$4,295
Other Expenses---$4,000
Advertising---$2,665
Fees for Services Legal---$1,044
Total Functional Expenses$0$0$0$490,192
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$10,634,847
Escrow Accounts to Line 21$-33,319
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

Form 990, Page 6, Part VI, Line 6

“The organization has members. To be a member, you 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 provides necessary data to our independent cpa who prepares the return. Management reviews the return for correctness, and then authorizes cpa to e-file the approved return. Management reviews the reutrn with the board at the next board meeting.”

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

“The policy is reviewed at least once a year and signed by the president and the board of directors.”

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

“The board chair uses the wi credit union league's annual compensation survey and evaluation of the president's peformance to determine compensation. This is approved by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and policies are available to members upon request.”

Filing and Contact Details

Filer

EIN
39-6056575
Phone
6087855050

Signing Officer

Name
Bea Zingsheim
Title
President
Phone
6087855050
Signed
2014-07-10

Organization Details

Principal Officer
Bea Zingsheim President
Formed
1941
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
5
Employees
5

Preparer

Preparer
Brent Wookey CPA
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“River city community credit union is a member owned financial institution established in 1941. Our mission is to maintain long term financial stability in a competitive market place by providing personalized products and services for our members.”

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 Appendix339 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/TotalBookValueProgramRltdAmt02186641
IRS990ScheduleD/TotalLiabilityAmt010601528
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RIVER CITY COMMUNITY CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION ESTABLISHED IN 1941. OUR MISSION IS TO MAINTAIN LONG TERM FINANCIAL STABILITY IN A COMPETITIVE MARKET PLACE BY PROVIDING PERSONALIZED PRODUCTS AND SERVICES FOR OUR MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, YOU MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A 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/ExplanationTxt4MANAGEMENT PROVIDES NECESSARY DATA TO OUR INDEPENDENT CPA WHO PREPARES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR CORRECTNESS, AND THEN AUTHORIZES CPA TO E-FILE THE APPROVED RETURN. MANAGEMENT REVIEWS THE REUTRN WITH THE BOARD AT THE NEXT BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE POLICY IS REVIEWED AT LEAST ONCE A YEAR AND SIGNED BY THE PRESIDENT AND THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD CHAIR USES THE WI CREDIT UNION LEAGUE'S ANNUAL COMPENSATION SURVEY AND EVALUATION OF THE PRESIDENT'S PEFORMANCE TO DETERMINE COMPENSATION. THIS IS APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE TO MEMBERS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt011552093
IRS990/TotalAssetsEOYAmt012134896
IRS990/TotalAssetsGrp/BOYAmt011552093
IRS990/TotalAssetsGrp/EOYAmt012134896
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0490192
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt010071462
IRS990/TotalLiabilitiesEOYAmt010663644
IRS990/TotalLiabilitiesGrp/BOYAmt010071462
IRS990/TotalLiabilitiesGrp/EOYAmt010663644
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01480631
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01471252
IRS990/TotalOtherCompensationAmt016949
IRS990/TotalProgramServiceRevenueAmt0450574
IRS990/TotalReportableCompFromOrgAmt060701
IRS990/TotalRevenueGrp/ExclusionAmt038539
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0442274
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0480813
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt011552093
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt012134896
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine101009 SOUTH 4TH STREET
IRS990/USAddress/City0LA CROSSE
IRS990/USAddress/State0WI
IRS990/USAddress/ZIPCode054601
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.RCCCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/PersonNm0BEA ZINGSHEIM
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06087855050
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-07-10
ReturnHeader/Filer/BusinessName/BusinessNameLine10RIVER CITY COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0396056575
ReturnHeader/Filer/PhoneNum06087855050
ReturnHeader/Filer/USAddress/AddressLine101009 SOUTH 4TH STREET
ReturnHeader/Filer/USAddress/City0LA CROSSE
ReturnHeader/Filer/USAddress/State0WI
ReturnHeader/Filer/USAddress/ZIPCode054601
ReturnHeader/PreparerPersonGrp/PreparationDt02014-07-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRENT WOOKEY CPA
ReturnHeader/ReturnTs02014-07-17T12:29:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

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