Civic Intelligence

River Community Credit Union

990 • Fiscal year 2014 • EIN 42-0453085

Jan 01, 2014 to Dec 31, 2014 • Filed on Feb 10, 2015

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

46th percentile

0.86x

Higher debt load relative to assets than 46% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Liabilities / Revenue

53rd percentile

20.68x

Higher debt load relative to revenue than 53% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Net Margin

41st percentile

3.7%

Higher net margin than 41% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Top Officer Pay

21st percentile

$49,770

Higher top officer pay than 21% of similar nonprofits.

Top officer pay equals 6.9% of source-year revenue.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2014

Asset Growth

22nd percentile

-1.7%

Faster asset growth than 22% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Revenue Growth

85th percentile

7.3%

Faster revenue growth than 85% of similar nonprofits.

2014 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets46th percentile

Assets

Down

$17,305,224

Down $293,211 (-1.7%) from 2013

Net Assets

Up

$2,386,940

Up $26,880 (+1.1%) from 2013

Liabilities

Down

$14,918,284

Down $320,091 (-2.1%) from 2013

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin41st percentile

Revenue

Up

$721,351

Up $48,825 (+7.3%) from 2013

Expenses

Up

$694,469

Up $9,070 (+1.3%) from 2013

Net Income

Up

$26,882

Up $39,755 (+309%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth22nd 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

2014

Assets$17,305,224
Liabilities$14,918,284
Net Assets$2,386,940
Open 2014 Filing

Operations Trend

Revenue Growth85th percentile

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

2014

Revenue$721,351
Expenses$694,469
Net Income$26,882
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Feb 10, 2015
Return Version
2014v5.0
Gross Receipts
$721,351
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$8,855,107$10,304,768▲ $1,449,661
Savings and Temporary Cash Investments$7,044,720$5,428,401▼ $1,616,319
Rtn Earn Endowment Incm Other Fnds$1,789,884$1,816,766▲ $26,882
Cash and Non-Interest-Bearing Accounts$1,104,249$1,071,386▼ $32,863
Pd in Cap Srpls Land Bldg Eqp Fund$570,174$570,174→ $0
Land, Buildings, and Equipment, Net$134,653$157,698▲ $23,045
Receivables From Officers Etc$265,215$109,388▼ $155,827
Prepaid Expenses and Deferred Charges$21,088$54,909▲ $33,821
Total Assets$17,598,433$17,305,224▼ $293,209
Other Assets Total$173,401$178,674▲ $5,273
Liabilities
Other Liabilities$15,230,782$14,883,105▼ $347,677
Accounts Payable and Accrued Expenses$7,593$35,179▲ $27,586
Total Liabilities$15,238,375$14,918,284▼ $320,091
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,360,058$2,386,940▲ $26,882
Total Liabilities and Net Assets / Fund Balance$17,598,433$17,305,224▼ $293,209

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$78,149$147,609$225,758
Equipment$64,049$161,422$225,471
Land$15,500-$15,500
Compensation and Service Providers
Top Officer Pay21st percentile

Employees

NameTitleBaseTotal
Nathan BissellPresident/ce$49,770$49,770

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
$489,313
Investment Income
$81,440
Other Revenue
$150,598
Change in Net Assets
$26,882

Audited Revenue Reconciliation

Revenue per Audited Statements
$721,351
Total Revenue per Audited Statements
$721,351
Total Revenue per Form 990
$721,351
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$444,224
Salaries, Compensation, and Employee Benefits$250,245
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$168,983
Fees for Services Accounting---$85,364
Fees for Services Other---$60,706
Office Expenses---$56,581
Comp Disqual Persons---$49,770
Other Expenses---$25,188
Occupancy---$23,988
Payroll Taxes---$16,152
All Other Expenses---$16,051
Advertising---$13,929
Pension Plan Contributions---$8,046
Other Employee Benefits---$7,294
Conferences and Meetings---$5,968
Fees for Services Legal---$544
Total Functional Expenses$0$0$0$694,469

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$694,469
Total Expenses per Audited Statements$694,469
Total Expenses per Form 990$694,469
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$265,215$109,388▼ $155,827
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Certificates$4,290,303
Money Market$3,909,263
Primary$3,113,335
Ira Shares$1,577,552
Share Drafts$1,156,255
Roth Ira$459,324
Secondary$157,230
Kirby$114,093
Accrued Interest$26,715
Vacation Club$23,403
Escrow$19,350
Business Share Drafts$18,654
Christmas Club$17,628
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
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

Filer Name
River Community Credit Union
EIN
42-0453085
Phone
6416846302
Address
644 WEST SECOND STREET, OTTUMWA, IA 52501

Signing Officer

Name
Nate Bissell
Title
Manager/CEO
Phone
6416846302
Signed
2015-02-10
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

Firm
Anderson Larkin & Co Pc
Address
215 WEST FOURTH STREET, OTTUMWA, IA 52501
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 427 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/ReceivablesFromOfficersEtcGrp/BOYAmt0265215
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0109388
IRS990/ReconcilationRevenueExpnssAmt026882
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01789884
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01816766
IRS990/SavingsAndTempCashInvstGrp/BOYAmt07044720
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05428401
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt078149
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0147609
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0225758
IRS990ScheduleD/EquipmentGrp/BookValueAmt064049
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0161422
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0225471
IRS990ScheduleD/ExpensesSubtotalAmt0694469
IRS990ScheduleD/LandGrp/BookValueAmt015500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt015500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt04290303
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13909263
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt23113335
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31577552
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41156255
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5459324
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt6157230
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7114093
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt826715
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt923403
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1019350
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1118654
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1217628
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2PRIMARY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5ROTH IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6SECONDARY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7KIRBY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8ACCRUED INTEREST
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9VACATION CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc10ESCROW
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc11BUSINESS SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc12CHRISTMAS CLUB
IRS990ScheduleD/RevenueSubtotalAmt0721351
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0157698
IRS990ScheduleD/TotalExpensesPerForm990Amt0694469
IRS990ScheduleD/TotalLiabilityAmt014883105
IRS990ScheduleD/TotalRevenuePerForm990Amt0721351
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0721351
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0694469
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt034339
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt133505
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt219760
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt314733
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt46423
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt5628
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd5true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd1false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd2false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd3false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd4false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd5false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0AUTO/ HOME EQUITY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1HOME EQUITY/AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2AUTO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt039157
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt145610
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt222119
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt321707
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt423436
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt56579
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0NATE BISSELL
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1LINDSAY GAUMER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2KRYSTAL MARTIN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3JOHN VAN GORP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4CORY BENGE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5HERBERT GREENFIELD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0CEO
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1LOAN OFFICER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2TELLER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3BOARD MEMBER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4COMMITTEE SECRETARY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5COMMITTEE CHAIRMAN
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd1true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd2true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd3true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd4true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd5true
IRS990ScheduleL/TotalBalanceDueAmt0109388
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/TotalAssetsBOYAmt017598433
IRS990/TotalAssetsEOYAmt017305224
IRS990/TotalAssetsGrp/BOYAmt017598433
IRS990/TotalAssetsGrp/EOYAmt017305224
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0694469
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015238375
IRS990/TotalLiabilitiesEOYAmt014918284
IRS990/TotalLiabilitiesGrp/BOYAmt015238375
IRS990/TotalLiabilitiesGrp/EOYAmt014918284
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02360058
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02386940
IRS990/TotalProgramServiceRevenueAmt0489313
IRS990/TotalReportableCompFromOrgAmt049770
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0721351
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0721351
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017598433
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt017305224
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0644 WEST SECOND STREET
IRS990/USAddress/CityNm0OTTUMWA
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd052501
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0RIVERCOMMUNITYCU.ORG
IRS990/WhistleblowerPolicyInd0false

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$17,305,224
Liabilities
$14,918,284
Net assets
$2,386,940
Revenue
$721,351
Expenses
$694,469
Net income
$26,882
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