Civic Intelligence

Riverview Credit Union

990 • Fiscal year 2019 • EIN 41-6031223

Jan 01, 2019 to Dec 31, 2019 • Filed on Jun 09, 2020

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

43rd percentile

0.83x

Higher debt load relative to assets than 43% of similar nonprofits.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2019

Liabilities / Revenue

48th percentile

17.32x

Higher debt load relative to revenue than 48% of similar nonprofits.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2019

Net Margin

67th percentile

14%

Higher net margin than 67% of similar nonprofits.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2019

Top Officer Pay

93rd percentile

$92,766

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 30.5% of source-year revenue.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2019

Asset Growth

97th percentile

11%

Faster asset growth than 97% of similar nonprofits.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2018 to 2019

Revenue Growth

57th percentile

6.0%

Faster revenue growth than 57% of similar nonprofits.

2019 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$6,344,133

Up $611,305 (+11%) from 2018

Net Assets

Up

$1,072,900

Up $43,965 (+4.3%) from 2018

Liabilities

Up

$5,271,233

Up $567,340 (+12%) from 2018

Revenue And Expenses
Liabilities / Revenue48th percentileNet Margin67th percentile

Revenue

Up

$304,320

Up $17,134 (+6.0%) from 2018

Expenses

Up

$260,355

Up $7,774 (+3.1%) from 2018

Net Income

Up

$43,965

Up $9,360 (+27%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth97th 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

2019

Assets$6,344,133
Liabilities$5,271,233
Net Assets$1,072,900
Open 2019 Filing

Operations Trend

Revenue Growth57th 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

2019

Revenue$304,320
Expenses$260,355
Net Income$43,965
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Jun 9, 2020
Return Version
2019v5.0
Gross Receipts
$304,320
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$4,539,162$4,096,052▼ $443,110
Savings and Temporary Cash Investments$1,035,368$2,036,515▲ $1,001,147
Rtn Earn Endowment Incm Other Fnds$1,028,935$1,072,900▲ $43,965
Cash and Non-Interest-Bearing Accounts$16,962$63,560▲ $46,598
Investments Program Related$29,112$29,112→ $0
Prepaid Expenses and Deferred Charges$6,153$9,886▲ $3,733
Land, Buildings, and Equipment, Net$5,044$8,232▲ $3,188
Total Assets$5,732,828$6,344,133▲ $611,305
Other Assets Total$101,027$100,776▼ $251
Liabilities
Other Liabilities$4,693,882$5,256,549▲ $562,667
Accounts Payable and Accrued Expenses$10,011$14,684▲ $4,673
Total Liabilities$4,703,893$5,271,233▲ $567,340
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,028,935$1,072,900▲ $43,965
Total Liabilities and Net Assets / Fund Balance$5,732,828$6,344,133▲ $611,305

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$8,232$7,610$15,842
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Julia HavensPresident &FT$86,301$6,465$92,766

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$1,000
Program Service Revenue
$276,187
Investment Income
$26,710
Other Revenue
$423
All Other Contributions
$1,000
Change in Net Assets
$43,965
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$141,756
Other Expenses$118,599
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---$86,301
Office Expenses---$42,582
Other Salaries and Wages---$35,914
Information Technology---$29,929
Other Expenses---$14,513
Conferences and Meetings---$14,451
Payroll Taxes---$9,599
Insurance---$8,957
Pension Plan Contributions---$7,333
Other Employee Benefits---$2,609
Fees for Services Other---$2,506
Fees for Services Accounting---$1,774
Advertising---$1,582
Depreciation Depletion---$1,443
Travel---$862
Total Functional Expenses$0$0$0$260,355
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$5,256,549
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
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

“Each board member is required to sign the conflict of inerest policy attestation annually.”

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

“The board reviews, discusses, and approves on an annual basis employee performance and any compensation changes or bonus granted to employees. This is documented in each respective employee file and in the board minutes.”

Form 990, Page 6, Part VI, Line 19

“Ggoverning documents, conflict of interest policy, and financial statements are available upon request.”

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 & Director
Phone
6152244631
Signed
2020-06-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Julia Havens
Formed
1931
Legal Domicile
Mn
Voting Board Members
5
Independent Board Members
4
Employees
2
Volunteers
7

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Raw XML Appendix316 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/Form990PartVIISectionAGrp/TitleTxt4PRESIDENT &
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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/ExplanationTxt4EACH BOARD MEMBER IS REQUIRED TO SIGN THE CONFLICT OF INEREST POLICY ATTESTATION ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD REVIEWS, DISCUSSES, AND APPROVES ON AN ANNUAL BASIS EMPLOYEE PERFORMANCE AND ANY COMPENSATION CHANGES OR BONUS GRANTED TO EMPLOYEES. THIS IS DOCUMENTED IN EACH RESPECTIVE EMPLOYEE FILE AND IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6GGOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS ARE AVAILABLE UPON REQUEST.
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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/TotalContributionsAmt01000
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ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & DIRECTOR
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ReturnHeader/BusinessOfficerGrp/SignatureDt02020-06-09
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ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm012:39:11
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0811697509
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0AUDIT THREESIXTY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01202 JOHNSON ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ONALASKA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
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ReturnHeader/PreparerPersonGrp/PhoneNum06083173765
ReturnHeader/PreparerPersonGrp/PreparationDt02020-06-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
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ReturnHeader/ReturnTs02020-06-12T12:39:11-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,344,133
Liabilities
$5,271,233
Net assets
$1,072,900
Revenue
$304,320
Expenses
$260,355
Net income
$43,965
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
2019Detailed filing. Detailed filing data is available for this year.$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