Civic Intelligence

River Community Credit Union

990 • Fiscal year 2016 • EIN 42-0453085

Jan 01, 2016 to Dec 31, 2016 • Filed on Feb 01, 2017

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

38th percentile

0.85x

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

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

34th percentile

17.32x

Higher debt load relative to revenue than 34% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

65th percentile

9.6%

Higher net margin than 65% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

30th percentile

$58,064

Higher top officer pay than 30% of similar nonprofits.

Top officer pay equals 7.4% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

3rd percentile

-9.0%

Faster asset growth than 3% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

65th percentile

4.7%

Faster revenue growth than 65% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets38th percentile

Assets

Down

$16,098,885

Down $1,599,239 (-9.0%) from 2015

Net Assets

Up

$2,485,081

Up $74,729 (+3.1%) from 2015

Liabilities

Down

$13,613,804

Down $1,673,968 (-11%) from 2015

Revenue And Expenses
Liabilities / Revenue34th percentileNet Margin65th percentile

Revenue

Up

$785,929

Up $35,562 (+4.7%) from 2015

Expenses

Down

$710,829

Down $16,126 (-2.2%) from 2015

Net Income

Up

$75,100

Up $51,688 (+221%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth3rd 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

2016

Assets$16,098,885
Liabilities$13,613,804
Net Assets$2,485,081
Open 2016 Filing

Operations Trend

Revenue Growth65th 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

2016

Revenue$785,929
Expenses$710,829
Net Income$75,100
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Feb 1, 2017
Return Version
2016v3.0
Gross Receipts
$785,929
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$10,892,050$11,048,223▲ $156,173
Savings and Temporary Cash Investments$4,601,148$3,415,613▼ $1,185,535
Rtn Earn Endowment Incm Other Fnds$1,838,778$1,913,507▲ $74,729
Cash and Non-Interest-Bearing Accounts$1,670,434$1,284,237▼ $386,197
Pd in Cap Srpls Land Bldg Eqp Fund$571,574$571,574→ $0
Receivables From Officers Etc$149,162--
Land, Buildings, and Equipment, Net$156,610$142,540▼ $14,070
Prepaid Expenses and Deferred Charges$60,683$37,902▼ $22,781
Total Assets$17,698,124$16,098,885▼ $1,599,239
Other Assets Total$168,037$170,370▲ $2,333
Liabilities
Other Liabilities$15,201,945$13,535,530▼ $1,666,415
Accounts Payable and Accrued Expenses$85,827$78,274▼ $7,553
Total Liabilities$15,287,772$13,613,804▼ $1,673,968
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,410,352$2,485,081▲ $74,729
Total Liabilities and Net Assets / Fund Balance$17,698,124$16,098,885▼ $1,599,239

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$72,231$164,535$236,766
Equipment$54,809$176,627$231,436
Land$15,500-$15,500
Compensation and Service Providers
Top Officer Pay30th percentile

Employees

NameTitleBaseOtherTotal
Nathan BissellPresident/ce$56,416$1,648$58,064

Board Members and Trustees

NameTitle
John CrouseChairperson
Dennis 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
$526,913
Investment Income
$69,694
Other Revenue
$189,322
Change in Net Assets
$75,100
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$453,509
Salaries, Compensation, and Employee Benefits$257,320
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$166,176
Fees for Services Other---$107,031
Fees for Services Accounting---$66,794
Office Expenses---$59,227
Current Officers, Directors, Trustees, and Key Employees---$56,416
Advertising---$27,899
Occupancy---$26,982
All Other Expenses---$20,580
Other Expenses---$18,867
Payroll Taxes---$16,892
Pension Plan Contributions---$9,421
Other Employee Benefits---$8,415
Conferences and Meetings---$5,841
Fees for Services Legal---$685
Total Functional Expenses$0$0$0$710,829
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$149,162--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Money Market$3,971,501
Primary$3,567,338
Certificates$2,361,209
Share Drafts$1,451,513
Ira Shares$1,329,356
Roth Ira$447,729
Secondary$148,423
Kirby$143,544
Escrow$35,940
Vacation Club$25,629
Business Share Drafts$21,034
Christmas Club$18,244
Accrued Interest$14,070
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
Nathan Bissell
Title
President/CEO
Phone
6416846302
Signed
2017-02-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nathan 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
Bradley T Barnes
Phone
6416845489
Supplemental Narrative

Additional Explanations

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

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

Form 990, Part IX, Line 11G

“Credit, debit and atm service 82,423 0 0 internet banking 21,972 0 0 alm expense 2,636 0 0 total 107,031 0 0”

Raw XML Appendix371 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/BOYAmt085827
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt078274
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS
IRS990/AdvertisingGrp/TotalAmt027899
IRS990/AllOtherExpensesGrp/TotalAmt020580
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0NATE BISSELL
IRS990/BooksInCareOfDetail/PhoneNum06416846302
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0644 WEST SECOND STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0OTTUMWA
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd052501
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01670434
IRS990/CashNonInterestBearingGrp/EOYAmt01284237
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt056416
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt05841
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt069694
IRS990/CYOtherExpensesAmt0453509
IRS990/CYOtherRevenueAmt0189322
IRS990/CYProgramServiceRevenueAmt0526913
IRS990/CYRevenuesLessExpensesAmt075100
IRS990/CYSalariesCompEmpBnftPaidAmt0257320
IRS990/CYTotalExpensesAmt0710829
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0785929
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/TotalAmt066794
IRS990/FeesForServicesLegalGrp/TotalAmt0685
IRS990/FeesForServicesOtherGrp/TotalAmt0107031
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/OtherCompensationAmt91648
IRS990/Form990PartVIISectionAGrp/PersonNm0HERBERT GREENFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm1JUDY DEGRAAF
IRS990/Form990PartVIISectionAGrp/PersonNm2PATRICIA MEYER
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN CROUSE
IRS990/Form990PartVIISectionAGrp/PersonNm4DAVE MCMILLEN
IRS990/Form990PartVIISectionAGrp/PersonNm5DENNIS 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/ReportableCompFromOrgAmt956416
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/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0785929
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt069694
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt069694
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0453
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0341162
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0156610
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0142540
IRS990/LandBldgEquipCostOrOtherBssAmt0483702
IRS990/LegalDomicileStateCd0IA
IRS990/LoanOutstandingInd0false
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/NetAssetsOrFundBalancesBOYAmt02410352
IRS990/NetAssetsOrFundBalancesEOYAmt02485081
IRS990/NetUnrlzdGainsLossesInvstAmt0-371
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt026982
IRS990/OfficeExpensesGrp/TotalAmt059227
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0168037
IRS990/OtherAssetsTotalGrp/EOYAmt0170370
IRS990/OtherEmployeeBenefitsGrp/TotalAmt08415
IRS990/OtherExpensesGrp/Desc0DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc2MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
IRS990/OtherExpensesGrp/TotalAmt058131
IRS990/OtherExpensesGrp/TotalAmt139923
IRS990/OtherExpensesGrp/TotalAmt221549
IRS990/OtherExpensesGrp/TotalAmt318867
IRS990/OtherLiabilitiesGrp/BOYAmt015201945
IRS990/OtherLiabilitiesGrp/EOYAmt013535530
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/BusinessCd2525990
IRS990/OtherRevenueMiscGrp/Desc0FEES
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/Desc2INSURANCE INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0156574
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt126687
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt26061
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0156574
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt126687
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt26061
IRS990/OtherRevenueTotalAmt0189322
IRS990/OtherSalariesAndWagesGrp/TotalAmt0166176
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt010892050
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt011048223
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt016892
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0571574
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0571574
IRS990/PensionPlanContributionsGrp/TotalAmt09421
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt060683
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt037902
IRS990/PrincipalOfficerNm0NATHAN BISSELL
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN AND CREDIT CARD INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0526913
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0526913
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt074664
IRS990/PYOtherExpensesAmt0462067
IRS990/PYOtherRevenueAmt0171092
IRS990/PYProgramServiceRevenueAmt0504611
IRS990/PYRevenuesLessExpensesAmt023412
IRS990/PYSalariesCompEmpBnftPaidAmt0264888
IRS990/PYTotalExpensesAmt0726955
IRS990/PYTotalRevenueAmt0750367
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0149162
IRS990/ReconcilationRevenueExpnssAmt075100
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01838778
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01913507
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04601148
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03415613
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt072231
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0164535
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0236766
IRS990ScheduleD/EquipmentGrp/BookValueAmt054809
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0176627
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0231436
IRS990ScheduleD/LandGrp/BookValueAmt015500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt015500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt03971501
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt13567338
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22361209
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31451513
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt41329356
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5447729
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt6148423
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt7143544
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt835940
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt925629
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1021034
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1118244
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1214070
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MONEY MARKET
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1PRIMARY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4IRA SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5ROTH IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6SECONDARY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7KIRBY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8ESCROW
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc9VACATION CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc10BUSINESS SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc11CHRISTMAS CLUB
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc12ACCRUED INTEREST
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0142540
IRS990ScheduleD/TotalLiabilityAmt013535530
IRS990/ScheduleJRequiredInd0false
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/ExplanationTxt6CREDIT, DEBIT AND ATM SERVICE 82,423 0 0 INTERNET BANKING 21,972 0 0 ALM EXPENSE 2,636 0 0 TOTAL 107,031 0 0
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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt017698124
IRS990/TotalAssetsEOYAmt016098885
IRS990/TotalAssetsGrp/BOYAmt017698124
IRS990/TotalAssetsGrp/EOYAmt016098885
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0710829
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt015287772
IRS990/TotalLiabilitiesEOYAmt013613804
IRS990/TotalLiabilitiesGrp/BOYAmt015287772
IRS990/TotalLiabilitiesGrp/EOYAmt013613804
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02410352
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02485081
IRS990/TotalOtherCompensationAmt01648
IRS990/TotalProgramServiceRevenueAmt0526913
IRS990/TotalReportableCompFromOrgAmt056416
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0785929
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0785929
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt017698124
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt016098885
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0RIVERCOMMUNITYCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0NATHAN BISSELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06416846302
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-02-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RIVER COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0420453085
ReturnHeader/Filer/PhoneNum06416846302
ReturnHeader/Filer/USAddress/AddressLine1Txt0644 WEST SECOND STREET
ReturnHeader/Filer/USAddress/CityNm0OTTUMWA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IA
ReturnHeader/Filer/USAddress/ZIPCd052501
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0ED94119A28DD5D41B01469FAB86AD59F46AD0649
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId01668886FD7AD920A7C08149F54E903DFCDBFAD19
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421125570
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANDERSON LARKIN & CO PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0215 WEST FOURTH STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OTTUMWA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd052501
ReturnHeader/PreparerPersonGrp/PhoneNum06416845489
ReturnHeader/PreparerPersonGrp/PreparationDt02017-02-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRADLEY T BARNES
ReturnHeader/ReturnTs02017-02-10T17:12:47-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$16,098,885
Liabilities
$13,613,804
Net assets
$2,485,081
Revenue
$785,929
Expenses
$710,829
Net income
$75,100
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
2016Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $10M-$25M nonprofits