Civic Intelligence

Riverview Credit Union

990 • Fiscal year 2021 • EIN 41-6031223

Jan 01, 2021 to Dec 31, 2021 • Filed on Feb 28, 2022

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

50th percentile

0.86x

Higher debt load relative to assets than 50% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Liabilities / Revenue

38th percentile

20.93x

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

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Net Margin

68th percentile

13%

Higher net margin than 68% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Top Officer Pay

97th percentile

$99,086

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 30.9% of source-year revenue.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2021

Asset Growth

75th percentile

8.3%

Faster asset growth than 75% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Revenue Growth

87th percentile

10%

Faster revenue growth than 87% of similar nonprofits.

2021 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$7,845,773

Up $601,943 (+8.3%) from 2020

Net Assets

Up

$1,131,754

Up $42,876 (+3.9%) from 2020

Liabilities

Up

$6,714,019

Up $559,067 (+9.1%) from 2020

Revenue And Expenses
Liabilities / Revenue38th percentileNet Margin68th percentile

Revenue

Up

$320,830

Up $29,205 (+10%) from 2020

Expenses

Up

$277,954

Up $2,307 (+0.8%) from 2020

Net Income

Up

$42,876

Up $26,898 (+168%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth75th 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

2021

Assets$7,845,773
Liabilities$6,714,019
Net Assets$1,131,754
Open 2021 Filing

Operations Trend

Revenue Growth87th 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

2021

Revenue$320,830
Expenses$277,954
Net Income$42,876
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Feb 28, 2022
Return Version
2021v4.0
Gross Receipts
$320,830
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$4,345,545$5,539,139▲ $1,193,594
Savings and Temporary Cash Investments$2,215,398$1,543,015▼ $672,383
Rtn Earn Endowment Incm Other Fnds$1,088,878$1,131,754▲ $42,876
Investments Program Related$540,082$553,527▲ $13,445
Cash and Non-Interest-Bearing Accounts$20,520$80,600▲ $60,080
Prepaid Expenses and Deferred Charges$9,104$11,241▲ $2,137
Land, Buildings, and Equipment, Net$6,804$6,328▼ $476
Total Assets$7,243,830$7,845,773▲ $601,943
Other Assets Total$106,377$111,923▲ $5,546
Liabilities
Other Liabilities$6,134,812$6,691,949▲ $557,137
Accounts Payable and Accrued Expenses$20,140$22,070▲ $1,930
Total Liabilities$6,154,952$6,714,019▲ $559,067
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,088,878$1,131,754▲ $42,876
Total Liabilities and Net Assets / Fund Balance$7,243,830$7,845,773▲ $601,943

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$6,328$9,918$16,246
Investment Program Related Org$4,112--
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Julia HavensPresident &FT$92,391$6,695$99,086

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$294,689
Investment Income
$25,765
Other Revenue
$376
Change in Net Assets
$42,876
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$151,717
Other Expenses$125,737
Grants and Similar Amounts Paid$500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$92,391
Office Expenses---$44,655
Other Salaries and Wages---$38,512
Information Technology---$30,638
Payroll Taxes---$10,290
Insurance---$10,113
Pension Plan Contributions---$7,854
Other Expenses---$7,500
Conferences and Meetings---$6,237
Fees for Services Other---$2,798
Other Employee Benefits---$2,670
Depreciation Depletion---$1,761
Advertising---$877
Travel---$519
Grants to Domestic Individuals---$500
Interest---$4
Total Functional Expenses$0$0$0$277,954
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$6,691,949
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
2022-02-28
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
4

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Raw XML Appendix322 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt020140
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt022070
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO 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.
IRS990/AdvertisingGrp/TotalAmt0877
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0JULIA HAVENS
IRS990/BooksInCareOfDetail/PhoneNum06512244631
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0115 HARDMAN AVE SOUTH
IRS990/BooksInCareOfDetail/USAddress/CityNm0SOUTH ST PAUL
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MN
IRS990/BooksInCareOfDetail/USAddress/ZIPCd055075
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt020520
IRS990/CashNonInterestBearingGrp/EOYAmt080600
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt092391
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt06237
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt0500
IRS990/CYInvestmentIncomeAmt025765
IRS990/CYOtherExpensesAmt0125737
IRS990/CYOtherRevenueAmt0376
IRS990/CYProgramServiceRevenueAmt0294689
IRS990/CYRevenuesLessExpensesAmt042876
IRS990/CYSalariesCompEmpBnftPaidAmt0151717
IRS990/CYTotalExpensesAmt0277954
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0320830
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt01761
IRS990/Desc0THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 11 NEW DEPOSIT ACCOUNTS IN 2021. AS OF 12/31/21 WE HAD 562 MEMBERS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt02
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesOtherGrp/TotalAmt02798
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt045.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt40.50
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt06695
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/PersonNm0JULIA HAVENS
IRS990/Form990PartVIISectionAGrp/PersonNm1TAMARA SNAZA
IRS990/Form990PartVIISectionAGrp/PersonNm2RICHARD BAUER
IRS990/Form990PartVIISectionAGrp/PersonNm3WARREN MITCHELL
IRS990/Form990PartVIISectionAGrp/PersonNm4STEVEN HIRTE
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt092391
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT &
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01931
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt0500
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0320830
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt04
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt030638
IRS990/InsuranceGrp/TotalAmt010113
IRS990/InterestGrp/TotalAmt04
IRS990/InvestmentIncomeGrp/ExclusionAmt025765
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt025765
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0540082
IRS990/InvestmentsProgramRelatedGrp/EOYAmt0553527
IRS990/IRPDocumentCnt0211
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt09918
IRS990/LandBldgEquipBasisNetGrp/BOYAmt06804
IRS990/LandBldgEquipBasisNetGrp/EOYAmt06328
IRS990/LandBldgEquipCostOrOtherBssAmt016246
IRS990/LegalDomicileStateCd0MN
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO 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.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01088878
IRS990/NetAssetsOrFundBalancesEOYAmt01131754
IRS990/NondeductibleContributionsInd0false
IRS990/OfficeExpensesGrp/TotalAmt044655
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0106377
IRS990/OtherAssetsTotalGrp/EOYAmt0111923
IRS990/OtherEmployeeBenefitsGrp/TotalAmt02670
IRS990/OtherExpensesGrp/Desc0DIVIDENDS EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt020635
IRS990/OtherExpensesGrp/TotalAmt17500
IRS990/OtherLiabilitiesGrp/BOYAmt06134812
IRS990/OtherLiabilitiesGrp/EOYAmt06691949
IRS990/OtherSalariesAndWagesGrp/TotalAmt038512
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt04345545
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt05539139
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt010290
IRS990/PensionPlanContributionsGrp/TotalAmt07854
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt09104
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt011241
IRS990/PrincipalOfficerNm0JULIA HAVENS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1OTHER MEMBER RELATED REV
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER FEES REVENUE
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0217133
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt156173
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt221383
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0217133
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt156173
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt221383
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 85 NEW LOANS TO MEMBERS DURING 2021. AS OF 12/31/21 WE HAD 208 LOANS TO OUR MEMBERS.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYGrantsAndSimilarPaidAmt0500
IRS990/PYInvestmentIncomeAmt030482
IRS990/PYOtherExpensesAmt0129137
IRS990/PYOtherRevenueAmt0496
IRS990/PYProgramServiceRevenueAmt0260647
IRS990/PYRevenuesLessExpensesAmt015978
IRS990/PYSalariesCompEmpBnftPaidAmt0146010
IRS990/PYTotalExpensesAmt0275647
IRS990/PYTotalRevenueAmt0291625
IRS990/ReconcilationRevenueExpnssAmt042876
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0true
IRS990/RoyaltiesRevenueGrp/ExclusionAmt0376
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt0376
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01088878
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01131754
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02215398
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01543015
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt06328
IRS990ScheduleD/EquipmentGrp/DepreciationAmt09918
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt016246
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0524415
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt125000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt24112
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0INVESTMENTS > 1 YEAR MATURITY
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1SERVION CUSO
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2ALLOYA CAPITAL ACCOUNT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt06691949
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt06328
IRS990ScheduleD/TotalBookValueProgramRltdAmt0553527
IRS990ScheduleD/TotalLiabilityAmt06691949
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
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.
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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt07243830
IRS990/TotalAssetsEOYAmt07845773
IRS990/TotalAssetsGrp/BOYAmt07243830
IRS990/TotalAssetsGrp/EOYAmt07845773
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0277954
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06154952
IRS990/TotalLiabilitiesEOYAmt06714019
IRS990/TotalLiabilitiesGrp/BOYAmt06154952
IRS990/TotalLiabilitiesGrp/EOYAmt06714019
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01088878
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01131754
IRS990/TotalOtherCompensationAmt06695
IRS990/TotalProgramServiceRevenueAmt0294689
IRS990/TotalReportableCompFromOrgAmt092391
IRS990/TotalRevenueGrp/ExclusionAmt026141
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0294689
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0320830
IRS990/TotalVolunteersCnt04
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07243830
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07845773
IRS990/TravelGrp/TotalAmt0519
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0115 HARDMAN AVE SOUTH
IRS990/USAddress/CityNm0SOUTH ST PAUL
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055075
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.MYRCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIA HAVENS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum06152244631
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-02-28
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/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/PreparationDt02022-03-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02022-03-09T15:20:56-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JULIA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0HAVENS
ReturnHeader/TaxPeriodBeginDt02021-01-01
ReturnHeader/TaxPeriodEndDt02021-12-31
ReturnHeader/TaxYr02021

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,845,773
Liabilities
$6,714,019
Net assets
$1,131,754
Revenue
$320,830
Expenses
$277,954
Net income
$42,876
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
2021Detailed filing. Detailed filing data is available for this year.$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