Civic Intelligence

Riverview Credit Union

990 • Fiscal year 2022 • EIN 41-6031223

Jan 01, 2022 to Dec 31, 2022 • Filed on May 08, 2023

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

51st percentile

0.85x

Higher debt load relative to assets than 51% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Liabilities / Revenue

35th percentile

18.46x

Higher debt load relative to revenue than 35% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Net Margin

77th percentile

14%

Higher net margin than 77% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Top Officer Pay

93rd percentile

$115,542

Higher top officer pay than 93% of similar nonprofits.

Top officer pay equals 32.4% of source-year revenue.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2022

Asset Growth

51st percentile

-1.1%

Faster asset growth than 51% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Revenue Growth

74th percentile

11%

Faster revenue growth than 74% of similar nonprofits.

2022 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets51st percentile

Assets

Down

$7,759,280

Down $86,493 (-1.1%) from 2021

Net Assets

Up

$1,180,953

Up $49,199 (+4.3%) from 2021

Liabilities

Down

$6,578,327

Down $135,692 (-2.0%) from 2021

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin77th percentile

Revenue

Up

$356,408

Up $35,578 (+11%) from 2021

Expenses

Up

$307,209

Up $29,255 (+11%) from 2021

Net Income

Up

$49,199

Up $6,323 (+15%) from 2021

Historical Trend

Balance Sheet Trend

Asset Growth51st 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

2022

Assets$7,759,280
Liabilities$6,578,327
Net Assets$1,180,953
Open 2022 Filing

Operations Trend

Revenue Growth74th 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

2022

Revenue$356,408
Expenses$307,209
Net Income$49,199
Open 2022 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
May 8, 2023
Return Version
2022v5.0
Gross Receipts
$356,408
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$5,539,139$6,444,741▲ $905,602
Rtn Earn Endowment Incm Other Fnds$1,131,754$1,180,953▲ $49,199
Investments Program Related$553,527$567,325▲ $13,798
Savings and Temporary Cash Investments$1,543,015$546,935▼ $996,080
Cash and Non-Interest-Bearing Accounts$80,600$22,831▼ $57,769
Prepaid Expenses and Deferred Charges$11,241$12,718▲ $1,477
Land, Buildings, and Equipment, Net$6,328$4,768▼ $1,560
Total Assets$7,845,773$7,759,280▼ $86,493
Other Assets Total$111,923$159,962▲ $48,039
Liabilities
Other Liabilities$6,691,949$6,559,820▼ $132,129
Accounts Payable and Accrued Expenses$22,070$18,507▼ $3,563
Total Liabilities$6,714,019$6,578,327▼ $135,692
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,131,754$1,180,953▲ $49,199
Total Liabilities and Net Assets / Fund Balance$7,845,773$7,759,280▼ $86,493

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,768$7,670$12,438
Investment Program Related Org$4,112--
Compensation and Service Providers
Top Officer Pay93rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Julia HavensPresident &FT$107,852$7,690$115,542

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
$334,821
Investment Income
$21,209
Other Revenue
$378
Change in Net Assets
$49,199
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$173,009
Other Expenses$133,700
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---$107,852
Office Expenses---$46,463
Other Salaries and Wages---$41,515
Information Technology---$36,314
Payroll Taxes---$11,770
Insurance---$11,187
Pension Plan Contributions---$8,962
Conferences and Meetings---$6,974
Fees for Services Other---$4,203
Other Expenses---$3,000
Other Employee Benefits---$2,910
Advertising---$1,868
Depreciation Depletion---$1,560
Grants to Domestic Individuals---$500
Travel---$282
Total Functional Expenses$0$0$0$307,209
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$6,559,820
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
2023-05-08
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
6

Preparer

Firm
Audit Threesixty
Address
1202 JOHNSON ST, ONALASKA, WI 54650-2008
Preparer
Peter Rasmussen
Phone
6083173765
Raw XML Appendix323 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/TitleTxt0PRESIDENT &
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
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IRS990/GrantsToIndividualsInd0false
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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.
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/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt07845773
IRS990/TotalAssetsEOYAmt07759280
IRS990/TotalAssetsGrp/BOYAmt07845773
IRS990/TotalAssetsGrp/EOYAmt07759280
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0307209
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06714019
IRS990/TotalLiabilitiesEOYAmt06578327
IRS990/TotalLiabilitiesGrp/BOYAmt06714019
IRS990/TotalLiabilitiesGrp/EOYAmt06578327
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01131754
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01180953
IRS990/TotalOtherCompensationAmt07690
IRS990/TotalProgramServiceRevenueAmt0334821
IRS990/TotalReportableCompFromOrgAmt0107852
IRS990/TotalRevenueGrp/ExclusionAmt021587
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0334821
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0356408
IRS990/TotalVolunteersCnt06
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07845773
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07759280
IRS990/TravelGrp/TotalAmt0282
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/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIA HAVENS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum06152244631
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-05-08
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/IRSResponsiblePrtyInfoCurrInd0false
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/PreparationDt02023-05-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER RASMUSSEN
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02023-05-12T16:36:14-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JULIA
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0HAVENS
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

Document Assets

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Filings

Displayed year

2022 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$7,759,280
Liabilities
$6,578,327
Net assets
$1,180,953
Revenue
$356,408
Expenses
$307,209
Net income
$49,199
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
2022Detailed filing. Detailed filing data is available for this year.$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