Civic Intelligence

Riverview Credit Union

990 • Fiscal year 2015 • EIN 41-6031223

Jan 01, 2015 to Dec 31, 2015 • Filed on Jun 07, 2016

Organization ProfileWWW.MYRCU.COM

View Organization Page

115 Hardman Ave SouthSouth Saint Paul, MN 55075

(651) 224-4631

Siviq Scores

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

Liabilities / Assets

30th percentile

0.82x

Higher debt load relative to assets than 30% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Liabilities / Revenue

40th percentile

17.33x

Higher debt load relative to revenue than 40% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Net Margin

52nd percentile

5.1%

Higher net margin than 52% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Top Officer Pay

91st percentile

$83,880

Higher top officer pay than 91% of similar nonprofits.

Top officer pay equals 33.6% of source-year revenue.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2015

Asset Growth

43rd percentile

1.0%

Faster asset growth than 43% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Revenue Growth

89th percentile

13%

Faster revenue growth than 89% of similar nonprofits.

2015 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets30th percentile

Assets

Up

$5,282,235

Up $50,732 (+1.0%) from 2014

Net Assets

Up

$955,355

Up $12,755 (+1.4%) from 2014

Liabilities

Up

$4,326,880

Up $37,977 (+0.9%) from 2014

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin52nd percentile

Revenue

Up

$249,674

Up $27,760 (+13%) from 2014

Expenses

Up

$236,919

Up $17,129 (+7.8%) from 2014

Net Income

Up

$12,755

Up $10,631 (+501%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth43rd percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $4,444,849Liabilities 2011: $3,525,145Net Assets 2011: $919,7042011Assets 2012: $4,754,598Liabilities 2012: $3,819,152Net Assets 2012: $935,4462012Assets 2013: $4,958,394Liabilities 2013: $4,017,918Net Assets 2013: $940,4762013Assets 2014: $5,231,503Liabilities 2014: $4,288,903Net Assets 2014: $942,6002014Assets 2015: $5,282,235Liabilities 2015: $4,326,880Net Assets 2015: $955,3552015Assets 2016: $5,362,638Liabilities 2016: $4,381,951Net Assets 2016: $980,6872016Assets 2017: $5,527,239Liabilities 2017: $4,532,909Net Assets 2017: $994,3302017Assets 2018: $5,732,828Liabilities 2018: $4,703,893Net Assets 2018: $1,028,9352018Assets 2019: $6,344,133Liabilities 2019: $5,271,233Net Assets 2019: $1,072,9002019Assets 2020: $7,243,830Liabilities 2020: $6,154,952Net Assets 2020: $1,088,8782020Assets 2021: $7,845,773Liabilities 2021: $6,714,019Net Assets 2021: $1,131,7542021Assets 2022: $7,759,280Liabilities 2022: $6,578,327Net Assets 2022: $1,180,9532022Assets 2023: $7,498,185Liabilities 2023: $6,262,888Net Assets 2023: $1,235,2972023

Highlighted filing

2015

Assets$5,282,235
Liabilities$4,326,880
Net Assets$955,355
Open 2015 Filing

Operations Trend

Revenue Growth89th percentile

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

$400K$300K$200K$100K$0Expenses 2011: $230,0622011Expenses 2012: $230,2582012Revenue 2013: $229,789Expenses 2013: $224,759Net Income 2013: $5,0302013Revenue 2014: $221,914Expenses 2014: $219,790Net Income 2014: $2,1242014Revenue 2015: $249,674Expenses 2015: $236,919Net Income 2015: $12,7552015Revenue 2016: $255,824Expenses 2016: $230,492Net Income 2016: $25,3322016Revenue 2017: $251,375Expenses 2017: $237,732Net Income 2017: $13,6432017Revenue 2018: $287,186Expenses 2018: $252,581Net Income 2018: $34,6052018Revenue 2019: $304,320Expenses 2019: $260,355Net Income 2019: $43,9652019Revenue 2020: $291,625Expenses 2020: $275,647Net Income 2020: $15,9782020Revenue 2021: $320,830Expenses 2021: $277,954Net Income 2021: $42,8762021Revenue 2022: $356,408Expenses 2022: $307,209Net Income 2022: $49,1992022Revenue 2023: $385,006Expenses 2023: $330,662Net Income 2023: $54,3442023

Highlighted filing

2015

Revenue$249,674
Expenses$236,919
Net Income$12,755
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jun 7, 2016
Return Version
2015v2.1
Gross Receipts
$249,674
Mission and Program Overview

Mission

To provide courteous, professional, and competitive financial services to meet the needs of our members while maintaining accurate and efficient operations to safeguard our members assets.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$3,531,340$3,781,535▲ $250,195
Savings and Temporary Cash Investments$1,385,870$1,373,005▼ $12,865
Rtn Earn Endowment Incm Other Fnds$942,600$955,355▲ $12,755
Cash and Non-Interest-Bearing Accounts$15,709$38,026▲ $22,317
Investments Program Related$233,630$29,112▼ $204,518
Land, Buildings, and Equipment, Net$11,639$7,088▼ $4,551
Prepaid Expenses and Deferred Charges$9,274$6,888▼ $2,386
Total Assets$5,231,503$5,282,235▲ $50,732
Other Assets Total$44,041$46,581▲ $2,540
Liabilities
Other Liabilities$4,283,098$4,319,499▲ $36,401
Accounts Payable and Accrued Expenses$5,805$7,381▲ $1,576
Total Liabilities$4,288,903$4,326,880▲ $37,977
Net Assets / Fund Balance
Total Net Assets Fund Balance$942,600$955,355▲ $12,755
Total Liabilities and Net Assets / Fund Balance$5,231,503$5,282,235▲ $50,732

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,088$13,946$21,034
Compensation and Service Providers
Top Officer Pay91st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Julia HavensPresidentFT$77,770$6,110$83,880

Board Members and Trustees

NameTitle
Tamara SnazaChair
Richard BauerVice Chair
Larry TobiasDirector
Steven HirteDirector
Warren MitchellSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$249,077
Investment Income
$0
Other Revenue
$597
Change in Net Assets
$12,755
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$127,896
Other Expenses$109,023
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$77,770
Office Expenses---$45,272
Other Salaries and Wages---$32,606
Information Technology---$28,016
Other Expenses---$11,049
Insurance---$8,556
Payroll Taxes---$8,444
Pension Plan Contributions---$6,622
Conferences and Meetings---$5,937
Depreciation Depletion---$4,628
Other Employee Benefits---$2,454
Fees for Services Other---$2,065
Fees for Services Accounting---$1,783
Advertising---$968
Travel---$749
Total Functional Expenses$0$0$0$236,919
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$4,319,499
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, 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 provides data to independent preparer who completes the return. Management reviews the return for accuracy, and then authorizes preparer to e-file the approved return.”

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

“Annual review and attestation of any possile conflicts of interest.”

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

“The board reviews / discusses / approves on an annual basis employee performance and any pay raise or bonus granted to employees. The outcome is documented in each respective employee file and in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“The governing documents and conflict of interest policy are available upon request. The monthly consolidated financial statement is posted in the credit union office.”

Filing and Contact Details

Filer

Filer Name
Riverview Credit Union
EIN
41-6031223
Phone
6512244631
Address
115 HARDMAN AVE SOUTH, SOUTH SAINT PAUL, MN 55075

Signing Officer

Name
Julia Havens
Title
President
Phone
6152244631
Signed
2016-06-07

Organization Details

Principal Officer
Julia Havens
Formed
1931
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
5
Employees
2
Volunteers
5

Preparer

Preparer
Peter Rasmussen
Raw XML Appendix298 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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS. TO BE A MEMBER, ONE MUST HAVE A SHARE (SAVINGS) ACCOUNT AT THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS IS ELECTED BY THE CREDIT UNION MEMBERS. EACH MEMBER HAS ONE VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A 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/ExplanationTxt3MANAGEMENT PROVIDES DATA TO INDEPENDENT PREPARER WHO COMPLETES THE RETURN. MANAGEMENT REVIEWS THE RETURN FOR ACCURACY, AND THEN AUTHORIZES PREPARER TO E-FILE THE APPROVED RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANNUAL REVIEW AND ATTESTATION OF ANY POSSILE CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD REVIEWS / DISCUSSES / APPROVES ON AN ANNUAL BASIS EMPLOYEE PERFORMANCE AND ANY PAY RAISE OR BONUS GRANTED TO EMPLOYEES. THE OUTCOME IS DOCUMENTED IN EACH RESPECTIVE EMPLOYEE FILE AND IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE AVAILABLE UPON REQUEST. THE MONTHLY CONSOLIDATED FINANCIAL STATEMENT IS POSTED IN THE CREDIT UNION OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05231503
IRS990/TotalAssetsEOYAmt05282235
IRS990/TotalAssetsGrp/BOYAmt05231503
IRS990/TotalAssetsGrp/EOYAmt05282235
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0236919
IRS990/TotalGrossUBIAmt0300
IRS990/TotalLiabilitiesBOYAmt04288903
IRS990/TotalLiabilitiesEOYAmt04326880
IRS990/TotalLiabilitiesGrp/BOYAmt04288903
IRS990/TotalLiabilitiesGrp/EOYAmt04326880
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0942600
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0955355
IRS990/TotalOtherCompensationAmt06110
IRS990/TotalProgramServiceRevenueAmt0249077
IRS990/TotalReportableCompFromOrgAmt077770
IRS990/TotalRevenueGrp/ExclusionAmt0597
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0248777
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0249674
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt0300
IRS990/TotalVolunteersCnt05
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05231503
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05282235
IRS990/TravelGrp/TotalAmt0749
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.MYRCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-09-27 15:27:22Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIA HAVENS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06152244631
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-06-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RIVERVIEW CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0416031223
ReturnHeader/Filer/PhoneNum06512244631
ReturnHeader/Filer/USAddress/AddressLine1Txt0115 HARDMAN AVE SOUTH
ReturnHeader/Filer/USAddress/CityNm0SOUTH SAINT PAUL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055075
ReturnHeader/PreparerPersonGrp/PreparationDt02016-06-14
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
ReturnHeader/ReturnTs02016-06-14T11:22:35-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,282,235
Liabilities
$4,326,880
Net assets
$955,355
Revenue
$249,674
Expenses
$236,919
Net income
$12,755
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$7.50$6.26$1.24$0.39$0.33$0.05
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.76$6.58$1.18$0.36$0.31$0.05
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.85$6.71$1.13$0.32$0.28$0.04
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.24$6.15$1.09$0.29$0.28$0.02
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.34$5.27$1.07$0.30$0.26$0.04
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.73$4.70$1.03$0.29$0.25$0.03
2017Summary only. Only limited summary data is available for this year.$5.53$4.53$0.99$0.25$0.24$0.01
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.36$4.38$0.98$0.26$0.23$0.03
2015Detailed filing. Detailed filing data is available for this year.$5.28$4.33$0.96$0.25$0.24$0.01
2014Summary only. Only limited summary data is available for this year.$5.23$4.29$0.94$0.22$0.22$0.00
2013Detailed filing. Detailed filing data is available for this year.$4.96$4.02$0.94$0.23$0.22$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.75$3.82$0.94$0.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.44$3.53$0.92$0.23