Civic Intelligence

River Community Credit Union

990 • Fiscal year 2013 • EIN 42-0453085

Jan 01, 2013 to Dec 31, 2013 • Filed on Feb 10, 2014

Organization ProfileRIVERCOMMUNITYCU.ORG

View Organization Page

644 West Second StreetOttumwa, IA 52501

(641) 684-6302

Siviq Scores

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

Liabilities / Assets

47th percentile

0.87x

Higher debt load relative to assets than 47% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Liabilities / Revenue

64th percentile

22.66x

Higher debt load relative to revenue than 64% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Net Margin

27th percentile

-1.9%

Higher net margin than 27% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Top Officer Pay

21st percentile

$45,871

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 6.8% of source-year revenue.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2013

Asset Growth

37th percentile

0.2%

Faster asset growth than 37% of similar nonprofits.

2013 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$17,598,435

Up $33,126 (+0.2%) from 2012

Net Assets

Down

$2,360,060

Down $12,873 (-0.5%) from 2012

Liabilities

Up

$15,238,375

Up $45,999 (+0.3%) from 2012

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin27th percentile

Revenue

$672,526

No earlier filing loaded for comparison.

Expenses

Down

$685,399

Down $44,171 (-6.1%) from 2012

Net Income

-$12,873

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth37th percentile

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

$30M$20M$10M$0Assets 2010: $12,849,019Liabilities 2010: $10,597,598Net Assets 2010: $2,251,4212010Assets 2012: $17,565,309Liabilities 2012: $15,192,376Net Assets 2012: $2,372,9332012Assets 2013: $17,598,435Liabilities 2013: $15,238,375Net Assets 2013: $2,360,0602013Assets 2014: $17,305,224Liabilities 2014: $14,918,284Net Assets 2014: $2,386,9402014Assets 2015: $17,698,124Liabilities 2015: $15,287,772Net Assets 2015: $2,410,3522015Assets 2016: $16,098,885Liabilities 2016: $13,613,804Net Assets 2016: $2,485,0812016Assets 2017: $16,984,030Liabilities 2017: $14,355,434Net Assets 2017: $2,628,5962017Assets 2018: $19,163,892Liabilities 2018: $16,402,807Net Assets 2018: $2,761,0852018Assets 2019: $18,647,108Liabilities 2019: $15,696,253Net Assets 2019: $2,950,8552019Assets 2020: $22,743,388Liabilities 2020: $19,562,834Net Assets 2020: $3,180,5542020Assets 2021: $24,868,449Liabilities 2021: $21,527,223Net Assets 2021: $3,341,2262021Assets 2022: $25,701,753Liabilities 2022: $22,225,812Net Assets 2022: $3,475,9412022Assets 2023: $28,899,207Liabilities 2023: $25,048,086Net Assets 2023: $3,851,1212023Assets 2024: $29,574,676Liabilities 2024: $25,379,482Net Assets 2024: $4,195,1942024Assets 2025: $29,088,923Liabilities 2025: $24,494,525Net Assets 2025: $4,594,3982025

Highlighted filing

2013

Assets$17,598,435
Liabilities$15,238,375
Net Assets$2,360,060
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $665,1732010Expenses 2012: $729,5702012Revenue 2013: $672,526Expenses 2013: $685,399Net Income 2013: -$12,8732013Revenue 2014: $721,351Expenses 2014: $694,469Net Income 2014: $26,8822014Revenue 2015: $750,367Expenses 2015: $726,955Net Income 2015: $23,4122015Revenue 2016: $785,929Expenses 2016: $710,829Net Income 2016: $75,1002016Revenue 2017: $872,645Expenses 2017: $737,469Net Income 2017: $135,1762017Revenue 2018: $1,015,434Expenses 2018: $869,688Net Income 2018: $145,7462018Revenue 2019: $1,130,208Expenses 2019: $940,438Net Income 2019: $189,7702019Revenue 2020: $1,158,972Expenses 2020: $929,273Net Income 2020: $229,6992020Revenue 2021: $1,185,685Expenses 2021: $1,025,013Net Income 2021: $160,6722021Revenue 2022: $1,176,087Expenses 2022: $1,041,372Net Income 2022: $134,7152022Revenue 2023: $1,572,380Expenses 2023: $1,268,734Net Income 2023: $303,6462023Revenue 2024: $1,833,486Expenses 2024: $1,489,413Net Income 2024: $344,0732024Revenue 2025: $1,915,692Expenses 2025: $1,516,488Net Income 2025: $399,2042025

Highlighted filing

2013

Revenue$672,526
Expenses$685,399
Net Income-$12,873
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Feb 10, 2014
Return Version
2013v3.1
Gross Receipts
$694,935
Mission and Program Overview

Mission

Provide financial services to members including deposit and loan programs

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$8,565,619$8,855,109▲ $289,490
Savings and Temporary Cash Investments$6,869,000$7,044,720▲ $175,720
Rtn Earn Endowment Incm Other Fnds$1,802,759$1,789,886▼ $12,873
Cash and Non-Interest-Bearing Accounts$1,561,144$1,104,249▼ $456,895
Pd in Cap Srpls Land Bldg Eqp Fund$570,174$570,174→ $0
Receivables From Officers Etc$252,783$265,215▲ $12,432
Land, Buildings, and Equipment, Net$136,427$134,653▼ $1,774
Prepaid Expenses and Deferred Charges$37,489$21,088▼ $16,401
Total Assets$17,565,309$17,598,435▲ $33,126
Other Assets Total$142,847$173,401▲ $30,554
Liabilities
Other Liabilities$15,135,977$15,230,782▲ $94,805
Accounts Payable and Accrued Expenses$56,399$7,593▼ $48,806
Total Liabilities$15,192,376$15,238,375▲ $45,999
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,372,933$2,360,060▼ $12,873
Total Liabilities and Net Assets / Fund Balance$17,565,309$17,598,435▲ $33,126

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$84,514$141,244$225,758
Equipment$34,639$154,958$189,597
Land$15,500-$15,500
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleBaseTotal
Nathan BissellPresident/ce$45,871$45,871

Board Members and Trustees

NameTitle
John CrouseChairperson
John Van GorpPresident
Dave McmillenVice Chairpe
Cory BengeAudit Commit
Larkin VandenheuvelAudit Commit
Patricia MeyerAudit Commit
Herbert GreenfieldCredit Commi
Vicki HarterCredit Commi
Judy DegraafSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$455,789
Investment Income
$68,711
Other Revenue
$148,026
Change in Net Assets
$-12,873

Audited Revenue Reconciliation

Revenue per Audited Statements
$672,526
Total Revenue per Audited Statements
$672,526
Total Revenue per Form 990
$672,526
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$442,366
Salaries, Compensation, and Employee Benefits$243,033
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$167,249
Fees for Services Accounting---$77,490
Fees for Services Other---$58,161
Office Expenses---$49,116
Current Officers, Directors, Trustees, and Key Employees---$45,871
Occupancy---$29,462
Other Expenses---$20,769
Payroll Taxes---$16,229
Advertising---$14,589
Insurance---$11,971
Other Employee Benefits---$8,188
All Other Expenses---$8,133
Pension Plan Contributions---$5,496
Conferences and Meetings---$5,016
Fees for Services Legal---$60
Total Functional Expenses$0$0$0$685,399

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$685,399
Total Expenses per Audited Statements$685,399
Total Expenses per Form 990$685,399
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$252,783$265,215▲ $12,432
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Money Market$4,255,432
Certificates$3,946,994
Primary$3,648,670
Ira Shares$1,410,992
Share Drafts$1,133,690
Roth Ira$458,619
Secondary$149,773
Kirby$114,559
Vacation Club$34,338
Accrued Interest$25,476
Business Share Drafts$20,135
Christmas Club$19,077
Escrow$13,027
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“Management reviews and approves form 990 before it is submitted to the irs.”

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

“Monitored by ceo and reported to board of directors if a conflict is found”

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

“All salaries are determined by the board of directors”

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

“All salaries are determined by the board of directors”

Form 990, Page 6, Part VI, Line 19

“Posted within the credit union building accessible to public”

Filing and Contact Details

Filer

EIN
42-0453085
Phone
6416846302

Signing Officer

Name
Nate Bissell
Title
Manager/CEO
Phone
6416846302
Signed
2014-02-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nate Bissell
Formed
1928
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
7

Preparer

Preparer
April D Crosser
Phone
6416845489
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Provide financial services to members including deposit and loan programs”

Raw XML AppendixShowing 400 of 446 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/BOYAmt056399
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt07593
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS
IRS990/AdvertisingGrp/TotalAmt014589
IRS990/AllOtherExpensesGrp/TotalAmt08133
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0NATE BISSELL
IRS990/BooksInCareOfDetail/PhoneNum06416846302
IRS990/BooksInCareOfDetail/USAddress/AddressLine10644 WEST SECOND STREET
IRS990/BooksInCareOfDetail/USAddress/City0OTTUMWA
IRS990/BooksInCareOfDetail/USAddress/State0IA
IRS990/BooksInCareOfDetail/USAddress/ZIPCode052501
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01561144
IRS990/CashNonInterestBearingGrp/EOYAmt01104249
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt045871
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt05016
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt068711
IRS990/CYOtherExpensesAmt0442366
IRS990/CYOtherRevenueAmt0148026
IRS990/CYProgramServiceRevenueAmt0455789
IRS990/CYRevenuesLessExpensesAmt0-12873
IRS990/CYSalariesCompEmpBnftPaidAmt0243033
IRS990/CYTotalExpensesAmt0685399
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0672526
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt077490
IRS990/FeesForServicesLegalGrp/TotalAmt060
IRS990/FeesForServicesOtherGrp/TotalAmt058161
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0HERBERT GREENFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm1JUDY DEGRAAF
IRS990/Form990PartVIISectionAGrp/PersonNm2PATRICIA MEYER
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN CROUSE
IRS990/Form990PartVIISectionAGrp/PersonNm4DAVE MCMILLEN
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN VAN GORP
IRS990/Form990PartVIISectionAGrp/PersonNm6LARKIN VANDENHEUVEL
IRS990/Form990PartVIISectionAGrp/PersonNm7VICKI HARTER
IRS990/Form990PartVIISectionAGrp/PersonNm8CORY BENGE
IRS990/Form990PartVIISectionAGrp/PersonNm9NATHAN BISSELL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt945871
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0CREDIT COMMI
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2AUDIT COMMIT
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRPE
IRS990/Form990PartVIISectionAGrp/TitleTxt5PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt6AUDIT COMMIT
IRS990/Form990PartVIISectionAGrp/TitleTxt7CREDIT COMMI
IRS990/Form990PartVIISectionAGrp/TitleTxt8AUDIT COMMIT
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT/CE
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01928
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-22409
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0694935
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt011971
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt091120
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt091120
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0580
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0296202
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0136427
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0134653
IRS990/LandBldgEquipCostOrOtherBssAmt0430855
IRS990/LegalDomicileStateCd0IA
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt022409
IRS990/LoanOutstandingInd0true
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt02372933
IRS990/NetAssetsOrFundBalancesEOYAmt02360060
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-22409
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-22409
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt029462
IRS990/OfficeExpensesGrp/TotalAmt049116
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0142847
IRS990/OtherAssetsTotalGrp/EOYAmt0173401
IRS990/OtherEmployeeBenefitsGrp/TotalAmt08188
IRS990/OtherExpensesGrp/Desc0DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MISCELLANEOUS
IRS990/OtherExpensesGrp/TotalAmt098981
IRS990/OtherExpensesGrp/TotalAmt138000
IRS990/OtherExpensesGrp/TotalAmt230618
IRS990/OtherExpensesGrp/TotalAmt320769
IRS990/OtherLiabilitiesGrp/BOYAmt015135977
IRS990/OtherLiabilitiesGrp/EOYAmt015230782
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0FEES
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc2INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0131857
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt110514
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt25655
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0131857
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt110514
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt25655
IRS990/OtherRevenueTotalAmt0148026
IRS990/OtherSalariesAndWagesGrp/TotalAmt0167249
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt08565619
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt08855109
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt016229
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0570174
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0570174
IRS990/PensionPlanContributionsGrp/TotalAmt05496
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt037489
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt021088
IRS990/PrincipalOfficerNm0NATE BISSELL
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN AND CREDIT CARD INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0455789
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0455789
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt062516
IRS990/PYOtherExpensesAmt0496969
IRS990/PYOtherRevenueAmt0152238
IRS990/PYProgramServiceRevenueAmt0515538
IRS990/PYRevenuesLessExpensesAmt0722
IRS990/PYSalariesCompEmpBnftPaidAmt0232601
IRS990/PYTotalExpensesAmt0729570
IRS990/PYTotalRevenueAmt0730292
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0252783
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0265215
IRS990/ReconcilationRevenueExpnssAmt0-12873
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01802759
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01789886
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06869000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt07044720
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt084514
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0141244
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0225758
IRS990ScheduleD/EquipmentGrp/BookValueAmt034639
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0154958
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0189597
IRS990ScheduleD/ExpensesSubtotalAmt0685399
IRS990ScheduleD/LandGrp/BookValueAmt015500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt015500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04255432
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13946994
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt23648670
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31410992
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41133690
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5458619
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt6149773
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7114559
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt834338
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt925476
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1020135
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1119077
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1213027
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2PRIMARY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5ROTH IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6SECONDARY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7KIRBY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8VACATION CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9ACCRUED INTEREST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc10BUSINESS SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc11CHRISTMAS CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc12ESCROW
IRS990ScheduleD/RevenueSubtotalAmt0672526
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0134653
IRS990ScheduleD/TotalExpensesPerForm990Amt0685399
IRS990ScheduleD/TotalLiabilityAmt015230782
IRS990ScheduleD/TotalRevenuePerForm990Amt0672526
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0672526
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0685399
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0187727
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt123420
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt218946
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt312288
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt49273
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt57117
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt65173
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt71271
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd7true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BusinessName/BusinessNameLine10HEIDI RAGEN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd6false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd7false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd7X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0MORTGAGE/AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1AUTO/ HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2HOME EQUITY/AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3VEHICLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0223127
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt131717
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt221707
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt345610
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt48000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt57890
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt66579
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt74771
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0NATE BISSELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1JOHN VAN GORP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2LINDSAY GAUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3DAVE MCMILLIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4KRYSTAL MARTIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5HERBERT GREENFIELD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6JOHN CROUSE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1TELLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd6true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd7true
IRS990ScheduleL/TotalBalanceDueAmt0265215
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MANAGEMENT REVIEWS AND APPROVES FORM 990 BEFORE IT IS SUBMITTED TO THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MONITORED BY CEO AND REPORTED TO BOARD OF DIRECTORS IF A CONFLICT IS FOUND
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL SALARIES ARE DETERMINED BY THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL SALARIES ARE DETERMINED BY THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5POSTED WITHIN THE CREDIT UNION BUILDING ACCESSIBLE TO PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt017565309
IRS990/TotalAssetsEOYAmt017598435
IRS990/TotalAssetsGrp/BOYAmt017565309
IRS990/TotalAssetsGrp/EOYAmt017598435
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0685399
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015192376
IRS990/TotalLiabilitiesEOYAmt015238375
IRS990/TotalLiabilitiesGrp/BOYAmt015192376
IRS990/TotalLiabilitiesGrp/EOYAmt015238375

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,598,435
Liabilities
$15,238,375
Net assets
$2,360,060
Revenue
$672,526
Expenses
$685,399
Net income
-$12,873
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$29.1$24.5$4.59$1.92$1.52$0.40
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.6$25.4$4.20$1.83$1.49$0.34
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$28.9$25.0$3.85$1.57$1.27$0.30
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.7$22.2$3.48$1.18$1.04$0.13
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.9$21.5$3.34$1.19$1.03$0.16
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$22.7$19.6$3.18$1.16$0.93$0.23
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.6$15.7$2.95$1.13$0.94$0.19
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.2$16.4$2.76$1.02$0.87$0.15
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.0$14.4$2.63$0.87$0.74$0.14
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.1$13.6$2.49$0.79$0.71$0.08
2015Detailed filing. Detailed filing data is available for this year.$17.7$15.3$2.41$0.75$0.73$0.02
2014Detailed filing. Detailed filing data is available for this year.$17.3$14.9$2.39$0.72$0.69$0.03
2013Detailed filing. Detailed filing data is available for this year.$17.6$15.2$2.36$0.67$0.69$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.6$15.2$2.37$0.73
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.8$10.6$2.25$0.67