Civic Intelligence

Richfieldbloomington Credit Union

990 • Fiscal year 2017 • EIN 41-0824021

Jan 01, 2017 to Dec 31, 2017 • Filed on May 08, 2018

Organization ProfileWWW.RBCU.ORG

View Organization Page

9550 Lyndale Avenue SouthBloomington, MN 55420

(612) 798-7176

Siviq Scores

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

Liabilities / Assets

89th percentile

0.92x

Higher debt load relative to assets than 89% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Liabilities / Revenue

88th percentile

22.72x

Higher debt load relative to revenue than 88% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Net Margin

26th percentile

8.6%

Higher net margin than 26% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Top Officer Pay

8th percentile

$220,390

Higher top officer pay than 8% of similar nonprofits.

Top officer pay equals 1.9% of source-year revenue.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Source year 2017

Asset Growth

21st percentile

2.2%

Faster asset growth than 21% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Revenue Growth

12th percentile

2.0%

Faster revenue growth than 12% of similar nonprofits.

2017 filings • 501(c)14 • $250M-$1B nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets89th percentile

Assets

Up

$283,243,766

Up $6,182,036 (+2.2%) from 2016

Net Assets

Up

$23,491,834

Up $856,885 (+3.8%) from 2016

Liabilities

Up

$259,751,932

Up $5,325,151 (+2.1%) from 2016

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin26th percentile

Revenue

Up

$11,430,677

Up $227,712 (+2.0%) from 2016

Expenses

Down

$10,447,208

Down $3,326,178 (-24%) from 2016

Net Income

Up

$983,469

Up $3,553,890 (+138%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth21st percentile

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

$400M$300M$200M$100M$0Assets 2010: $222,371,111Liabilities 2010: $200,680,300Net Assets 2010: $21,690,8112010Assets 2011: $236,412,946Liabilities 2011: $213,694,441Net Assets 2011: $22,718,5052011Assets 2012: $251,313,092Liabilities 2012: $229,457,154Net Assets 2012: $21,855,9382012Assets 2013: $254,509,694Liabilities 2013: $232,729,184Net Assets 2013: $21,780,5102013Assets 2014: $260,699,520Liabilities 2014: $235,735,037Net Assets 2014: $24,964,4832014Assets 2015: $266,457,842Liabilities 2015: $240,928,272Net Assets 2015: $25,529,5702015Assets 2016: $277,061,730Liabilities 2016: $254,426,781Net Assets 2016: $22,634,9492016Assets 2017: $283,243,766Liabilities 2017: $259,751,932Net Assets 2017: $23,491,8342017Assets 2018: $289,473,840Liabilities 2018: $265,536,114Net Assets 2018: $23,937,7262018Assets 2019: $307,549,200Liabilities 2019: $281,576,931Net Assets 2019: $25,972,2692019Assets 2020: $350,249,139Liabilities 2020: $323,452,944Net Assets 2020: $26,796,1952020Assets 2021: $393,544,128Liabilities 2021: $363,334,002Net Assets 2021: $30,210,1262021Assets 2022: $399,653,229Liabilities 2022: $367,127,824Net Assets 2022: $32,525,4052022Assets 2023: $386,343,958Liabilities 2023: $352,011,648Net Assets 2023: $34,332,3102023Assets 2024: $376,551,920Liabilities 2024: $341,399,769Net Assets 2024: $35,152,1512024

Highlighted filing

2017

Assets$283,243,766
Liabilities$259,751,932
Net Assets$23,491,834
Open 2017 Filing

Operations Trend

Revenue Growth12th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$20M$10M$0-$10MExpenses 2010: $12,899,2542010Expenses 2011: $11,466,8292011Revenue 2012: $11,563,558Expenses 2012: $12,573,747Net Income 2012: -$1,010,1892012Revenue 2013: $11,361,448Expenses 2013: $9,287,343Net Income 2013: $2,074,1052013Revenue 2014: $11,040,204Expenses 2014: $8,828,763Net Income 2014: $2,211,4412014Revenue 2015: $10,728,475Expenses 2015: $9,574,511Net Income 2015: $1,153,9642015Revenue 2016: $11,202,965Expenses 2016: $13,773,386Net Income 2016: -$2,570,4212016Revenue 2017: $11,430,677Expenses 2017: $10,447,208Net Income 2017: $983,4692017Revenue 2018: $11,746,703Expenses 2018: $10,752,916Net Income 2018: $993,7872018Revenue 2019: $12,977,702Expenses 2019: $12,198,185Net Income 2019: $779,5172019Revenue 2020: $13,861,459Expenses 2020: $13,644,511Net Income 2020: $216,9482020Revenue 2021: $17,620,611Expenses 2021: $13,867,144Net Income 2021: $3,753,4672021Revenue 2022: $18,120,740Expenses 2022: $15,133,709Net Income 2022: $2,987,0312022Revenue 2023: $18,658,180Expenses 2023: $16,577,395Net Income 2023: $2,080,7852023Revenue 2024: $19,141,834Expenses 2024: $18,447,257Net Income 2024: $694,5772024

Highlighted filing

2017

Revenue$11,430,677
Expenses$10,447,208
Net Income$983,469
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 8, 2018
Return Version
2017v2.2
Gross Receipts
$14,120,709
Mission and Program Overview

Mission

To provide lending, savings and other financial services to our qualifying members at terms generally better than available in the marketplace and with a "service based emphasis" that recognizes the members' status as owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$163,877,166$145,609,527▼ $18,267,639
Investments Other Securities$73,721,809$90,186,678▲ $16,464,869
Rtn Earn Endowment Incm Other Fnds$22,634,949$23,491,834▲ $856,885
Savings and Temporary Cash Investments$15,714,113$21,148,163▲ $5,434,050
Land, Buildings, and Equipment, Net$10,192,459$9,896,089▼ $296,370
Investments Program Related$6,483,467$6,233,629▼ $249,838
Cash and Non-Interest-Bearing Accounts$1,140,289$1,238,754▲ $98,465
Prepaid Expenses and Deferred Charges$610,554$557,377▼ $53,177
Accounts Receivable$236,890$305,080▲ $68,190
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$277,061,730$283,243,766▲ $6,182,036
Other Assets Total$5,084,983$8,068,469▲ $2,983,486
Liabilities
Other Liabilities$251,082,880$257,073,928▲ $5,991,048
Accounts Payable and Accrued Expenses$3,051,019$2,396,220▼ $654,799
Escrow Account Liability$292,882$281,784▼ $11,098
Total Liabilities$254,426,781$259,751,932▲ $5,325,151
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,634,949$23,491,834▲ $856,885
Total Liabilities and Net Assets / Fund Balance$277,061,730$283,243,766▲ $6,182,036

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,897,319$2,286,187$7,183,506
Land$4,284,534-$4,284,534
Equipment$714,236$1,893,547$2,607,783
Other Securities$332,500--
Compensation and Service Providers
Top Officer Pay8th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Greg WorthenPresidentFT$187,163$33,227$220,390
Karen HoeppnerVice President, Member SerFT$135,086$15,324$150,410
Rick RasmussonVice President, FinanceFT$127,659$18,062$145,721
Pierre MerlinVice President, ItFT$117,845$17,962$135,807
John DebbettigniesVice President, Member SerFT$104,463$6,102$110,565
Terry StirewaltVice President, Business LoansFT$97,966$5,725$103,691
Todd BardusonVice President, Marketing & Business DevelopmentFT$36,592$2,018$38,610

Board Members and Trustees

NameTitle
Jim McdonaldChairman
James HabeckVice-chairman
David Kriesel-kollDirector
Jason BarnesDirector
Jerry MarickDirector
Lynn SchererDirector
Paul CullenDirector
Cori ThompsonSecretary
Tom RubleinTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Element Technologies LLCTechnology Services And Equipment Resell4470 W 78TH CIRCLE STE 200, Bloomington, MN 55435$466,629
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$9,659,704
Investment Income
$1,773,586
Other Revenue
$-2,613
Change in Net Assets
$983,469
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$5,805,043
Salaries, Compensation, and Employee Benefits$4,411,261
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,498,025
Office Expenses---$937,463
Current Officers, Directors, Trustees, and Key Employees---$905,195
Occupancy---$523,914
Depreciation Depletion---$487,398
Other Employee Benefits---$467,418
Payroll Taxes---$441,033
All Other Expenses---$247,054
Other Expenses---$242,437
Benefits to Members---$230,904
Pension Plan Contributions---$99,590
Fees for Services Accounting---$95,670
Travel---$89,486
Fees for Services Legal---$54,132
Interest---$6,246
Total Functional Expenses$0$0$0$10,447,208
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
Shares/deposits$257,073,928
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
Yes
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, Section A, Line 6

“Eligible membership of rbcu consists of persons who live in, worship in, attend school in, work in, or volunteer in and businesses and other legal entities located in the cities of richfield, bloomington and edina and the adjacent areas known as the minneapolis-st. Paul international airport (mac) and fort snelling. Also included are employees and retirees of any and all schools located in the city of richfield and employees of bloomington independent school district #271. Eligible membership includes all students in grades 9 through 12 attending richfield high school, bloomington jefferson high school and bloomington kennedy high school; employees of the city of richfield and rbcu; and other small employer groups or associations. In addition to a regularly qualified member, members of the same household, the spouse of a member, the blood or adoptive relatives of either of them and their spouses may be members.”

Form 990, Part VI, Section A, Line 7A

“All members in good standing and at least 18 years old receive one vote in annual elections of the board of directors.”

Form 990, Part VI, Section A, Line 7B

“Charter changes must be approved by the membership.”

Form 990, Part VI, Section B, Line 11B

“Form 990 will be reviewed by the credit union's cfo and then be submitted to the president for final approval.”

Form 990, Part VI, Section B, Line 12C

“The board and senior managers are required to disclose any affiliations in a signed document annually. Conflict of interest policy is included in the employee handbook. The credit union is reviewing the procedures related to enforcement of this policy and is looking to expand requirements in the future.”

Form 990, Part VI, Section B, Line 15

“In december of 2015, the organization began utilizing compease. Compease is a comprehensive salary administration tool which incorporates the individual job functions and scores each function to create position grades. These grades are then compaired with similar position grades, on a local and national level to create position salary ranges.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the credit union lobby.”

Filing and Contact Details

Filer

Filer Name
Richfieldbloomington Credit Union
EIN
41-0824021
Phone
6127987176
Address
9550 LYNDALE AVENUE SOUTH, BLOOMINGTON, MN 55420

Signing Officer

Name
Greg Worthen
Title
President
Phone
6127987176
Signed
2018-05-08
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Greg Worthen
Formed
1957
Legal Domicile
Mn
Voting Board Members
9
Independent Board Members
9
Employees
79
Volunteers
12

Preparer

Firm
Cliftonlarsonallen Llp
Address
PO BOX 217, AUSTIN, MN 55912
Preparer
Tanya Medgaarden
Phone
5074347000
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Post-closing re entry -323.”

FORM 990, PART XII, LINE 2B:

“As allowed by state regulatory authorities, the audit is done as of june 30. The reporting period for the audit, therefore, does not match the reporting period for form 990.”

Financial Statement Notes

PART IV, LINE 2B:

“The credit union services mortgage loans. Custodial escrow balances are maintained in connection with these loans.”

PART X, LINE 2:

“The credit union is exempt, under irc 501 (c) (14), from federal and state income taxes. Certain products and services provided by select state chartered credit unions have been deemed by the internal revenue service (irs), in technical advice memorandums (tams) released in 2007, to be unrelated to the specific entity's exempt purpose. As presented in the technical advice memorandums, the net taxable income from these products and services would be subject to income taxes. Credit unions have litigated against the irs positions noted in the tams and have been successful in having courts declare in 2009 and 2010 that revenue from insurance products sold to members, helping them protect their financial wellbeing, qualifies as exempt purpose income, contrary to the irs position in the tams. The credit union has filed tax returns in the past for activities it has deemed taxable. The taxing authorities have the ability to assess taxes, penalties and interest for any years for which no tax return was filed. In the opinion of management, any liability resulting from taxing authorities imposing income taxes on the net taxable income from activities potentially deemed to be unrelated to the credit union's exempt purpose is not expected to have a material effect on the credit union's financial position or results of operations. The credit union evaluated its tax positions and determined no uncertain tax positions exist as of june 30, 2017 and 2016. The credit union's tax years subsequent to 2013 are open for examination by federal and state taxing authorities.”

Part X, Line 2

“As allowed by state regulatory authorities, the audit is done as of june 30. The reporting period for the audit, therefore, does not match the reporting period for form 990.”

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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt150
IRS990/Form990PartVIISectionAGrp/TitleTxt0VICE-CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10VICE PRESIDENT, MEMBER SER
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE PRESIDENT, IT
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE PRESIDENT, FINANCE
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE PRESIDENT, MEMBER SER
IRS990/Form990PartVIISectionAGrp/TitleTxt14VICE PRESIDENT, BUSINESS LOANS
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE PRESIDENT, MARKETING & BUSINESS DEVELOPMENT
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IRS990/FormationYr01957
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
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IRS990/GainOrLossGrp/SecuritiesAmt08992
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt02000000
IRS990/GrossReceiptsAmt014120709
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
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IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIIInd0X
IRS990/InfoInScheduleOPartXIInd0X
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01745293
IRS990/InvestmentInJointVentureInd00
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt090186678
IRS990/InvestmentsProgramRelatedGrp/BOYAmt06483467
IRS990/InvestmentsProgramRelatedGrp/EOYAmt06233629
IRS990/IRPDocumentCnt08044
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt04179734
IRS990/LandBldgEquipBasisNetGrp/BOYAmt010192459
IRS990/LandBldgEquipBasisNetGrp/EOYAmt09896089
IRS990/LandBldgEquipCostOrOtherBssAmt014075823
IRS990/LegalDomicileStateCd0MN
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt0699024
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt01991008
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE LENDING, SAVINGS AND OTHER FINANCIAL SERVICES TO OUR QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A "SERVICE BASED EMPHASIS" THAT RECOGNIZES THE MEMBERS' STATUS AS OWNERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
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IRS990/NetAssetsOrFundBalancesEOYAmt023491834
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt028293
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt028293
IRS990/NetUnrelatedBusTxblIncmAmt0-30449
IRS990/NetUnrlzdGainsLossesInvstAmt0-126261
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0523914
IRS990/OfficeExpensesGrp/TotalAmt0937463
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt05084983
IRS990/OtherAssetsTotalGrp/EOYAmt08068469
IRS990/OtherChangesInNetAssetsAmt0-323
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0467418
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROFESSIONAL AND OUTSID
IRS990/OtherExpensesGrp/Desc2EDUCATIONAL AND PROMOTI
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt01495156
IRS990/OtherExpensesGrp/TotalAmt11337202
IRS990/OtherExpensesGrp/TotalAmt2288885
IRS990/OtherExpensesGrp/TotalAmt3242437
IRS990/OtherLiabilitiesGrp/BOYAmt0251082880
IRS990/OtherLiabilitiesGrp/EOYAmt0257073928
IRS990/OtherOrganizationDsc0CU
IRS990/OtherRevenueMiscGrp/BusinessCd0900099
IRS990/OtherRevenueMiscGrp/Desc0NON-OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0-2613
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0-2613
IRS990/OtherRevenueTotalAmt0-2613
IRS990/OtherSalariesAndWagesGrp/TotalAmt02498025
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0163877166
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0145609527
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0441033
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt099590
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0610554
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0557377
IRS990/PrincipalOfficerNm0GREG WORTHEN
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07105826
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11705561
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2847941
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07105826
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11705937
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2847941
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt0376
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDED CONSUMER, MORTGAGE AND BUSINESS LOAN SERVICES TO MEMBERS. GRANTED 1,719 LOANS IN 2017 WHICH EXCEEDED $30,678,017 MILLION DOLLARS IN NEW LOAN DISBURSEMENTS. TOTAL OF ALL LOANS OUTSTANDING WAS OVER $ 147,212,030 MILLION DOLLARS AT YEAR END.
IRS990/ProgSrvcAccomActy3Grp/Desc0PROVIDED OUTSTANDING PERSONAL AND REMOTE ACCESS TO FINANCIAL SERVICES. IN ADDITION TO THREE IN-PERSON BRANCHES, RBCU MEMBERS ACCESSED FINANCIAL SERVICE THROUGH THE USE OF TWO SUR-CHARGE FREE ATM'S, OVER 4,785 CREDIT CARDS, OVER 13,823 DEBIT AND 1,626 ATM CARDS, AND NEARLY 10,070 MEMBERS USING OUR INTERNET BANKING SITE.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0234083
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01391714
IRS990/PYOtherExpensesAmt09661574
IRS990/PYOtherRevenueAmt0120
IRS990/PYProgramServiceRevenueAmt09811131
IRS990/PYRevenuesLessExpensesAmt0-2570421
IRS990/PYSalariesCompEmpBnftPaidAmt03877729
IRS990/PYTotalExpensesAmt013773386
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt011202965
IRS990/ReconcilationRevenueExpnssAmt0983469
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022634949
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt023491834
IRS990/SavingsAndTempCashInvstGrp/BOYAmt015714113
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021148163
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt04897319
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02286187
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt07183506
IRS990ScheduleD/EquipmentGrp/BookValueAmt0714236
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01893547
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02607783
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt04284534
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04284534
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0257073928
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES/DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt074390239
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt115463939
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2332500
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AVAILABLE FOR SALE SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION SERVICES MORTGAGE LOANS. CUSTODIAL ESCROW BALANCES ARE MAINTAINED IN CONNECTION WITH THESE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS EXEMPT, UNDER IRC 501 (C) (14), FROM FEDERAL AND STATE INCOME TAXES. CERTAIN PRODUCTS AND SERVICES PROVIDED BY SELECT STATE CHARTERED CREDIT UNIONS HAVE BEEN DEEMED BY THE INTERNAL REVENUE SERVICE (IRS), IN TECHNICAL ADVICE MEMORANDUMS (TAMS) RELEASED IN 2007, TO BE UNRELATED TO THE SPECIFIC ENTITY'S EXEMPT PURPOSE. AS PRESENTED IN THE TECHNICAL ADVICE MEMORANDUMS, THE NET TAXABLE INCOME FROM THESE PRODUCTS AND SERVICES WOULD BE SUBJECT TO INCOME TAXES. CREDIT UNIONS HAVE LITIGATED AGAINST THE IRS POSITIONS NOTED IN THE TAMS AND HAVE BEEN SUCCESSFUL IN HAVING COURTS DECLARE IN 2009 AND 2010 THAT REVENUE FROM INSURANCE PRODUCTS SOLD TO MEMBERS, HELPING THEM PROTECT THEIR FINANCIAL WELLBEING, QUALIFIES AS EXEMPT PURPOSE INCOME, CONTRARY TO THE IRS POSITION IN THE TAMS. THE CREDIT UNION HAS FILED TAX RETURNS IN THE PAST FOR ACTIVITIES IT HAS DEEMED TAXABLE. THE TAXING AUTHORITIES HAVE THE ABILITY TO ASSESS TAXES, PENALTIES AND INTEREST FOR ANY YEARS FOR WHICH NO TAX RETURN WAS FILED. IN THE OPINION OF MANAGEMENT, ANY LIABILITY RESULTING FROM TAXING AUTHORITIES IMPOSING INCOME TAXES ON THE NET TAXABLE INCOME FROM ACTIVITIES POTENTIALLY DEEMED TO BE UNRELATED TO THE CREDIT UNION'S EXEMPT PURPOSE IS NOT EXPECTED TO HAVE A MATERIAL EFFECT ON THE CREDIT UNION'S FINANCIAL POSITION OR RESULTS OF OPERATIONS. THE CREDIT UNION EVALUATED ITS TAX POSITIONS AND DETERMINED NO UNCERTAIN TAX POSITIONS EXIST AS OF JUNE 30, 2017 AND 2016. THE CREDIT UNION'S TAX YEARS SUBSEQUENT TO 2013 ARE OPEN FOR EXAMINATION BY FEDERAL AND STATE TAXING AUTHORITIES.
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2AS ALLOWED BY STATE REGULATORY AUTHORITIES, THE AUDIT IS DONE AS OF JUNE 30. THE REPORTING PERIOD FOR THE AUDIT, THEREFORE, DOES NOT MATCH THE REPORTING PERIOD FOR FORM 990.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1PART X, LINE 2:
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2PART X, LINE 2
IRS990ScheduleD/TotalBookValueLandBuildingsAmt09896089
IRS990ScheduleD/TotalBookValueSecuritiesAmt090186678
IRS990ScheduleD/TotalLiabilityAmt0257073928
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0187163
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1135086
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount15000
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt08753
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt17097
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt017487
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt1896
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt06987
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt12331
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt10
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0GREG WORTHEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KAREN HOEPPNER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1VICE PRESIDENT, MEMBER SER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0220390
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1150410
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt10
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00

Document Assets

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Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$283,243,766
Liabilities
$259,751,932
Net assets
$23,491,834
Revenue
$11,430,677
Expenses
$10,447,208
Net income
$983,469
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$377$341$35.2$19.1$18.4$0.69
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$386$352$34.3$18.7$16.6$2.08
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$400$367$32.5$18.1$15.1$2.99
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$394$363$30.2$17.6$13.9$3.75
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$350$323$26.8$13.9$13.6$0.22
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$308$282$26.0$13.0$12.2$0.78
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$289$266$23.9$11.7$10.8$0.99
2017Detailed filing. Detailed filing data is available for this year.$283$260$23.5$11.4$10.4$0.98
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$277$254$22.6$11.2$13.8$2.57
2015Detailed filing. Detailed filing data is available for this year.$266$241$25.5$10.7$9.57$1.15
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$261$236$25.0$11.0$8.83$2.21
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$255$233$21.8$11.4$9.29$2.07
2012Summary only. Only limited summary data is available for this year.$251$229$21.9$11.6$12.6$1.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$236$214$22.7$11.5
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$222$201$21.7$12.9
Peer Organizations

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