Civic Intelligence

River Community Credit Union

990 • Fiscal year 2023 • EIN 42-0453085

Jan 01, 2023 to Dec 31, 2023 • Filed on Jan 29, 2024

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

43rd percentile

0.87x

Higher debt load relative to assets than 43% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Liabilities / Revenue

33rd percentile

15.93x

Higher debt load relative to revenue than 33% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Net Margin

66th percentile

19%

Higher net margin than 66% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Top Officer Pay

23rd percentile

$86,425

Higher top officer pay than 23% of similar nonprofits.

Top officer pay equals 5.5% of source-year revenue.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2023

Asset Growth

98th percentile

12%

Faster asset growth than 98% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Revenue Growth

80th percentile

34%

Faster revenue growth than 80% of similar nonprofits.

2023 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$28,899,207

Up $3,197,454 (+12%) from 2022

Net Assets

Up

$3,851,121

Up $375,180 (+11%) from 2022

Liabilities

Up

$25,048,086

Up $2,822,274 (+13%) from 2022

Revenue And Expenses
Liabilities / Revenue33rd percentileNet Margin66th percentile

Revenue

Up

$1,572,380

Up $396,293 (+34%) from 2022

Expenses

Up

$1,268,734

Up $227,362 (+22%) from 2022

Net Income

Up

$303,646

Up $168,931 (+125%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth98th 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

2023

Assets$28,899,207
Liabilities$25,048,086
Net Assets$3,851,121
Open 2023 Filing

Operations Trend

Revenue Growth80th 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

2023

Revenue$1,572,380
Expenses$1,268,734
Net Income$303,646
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Jan 29, 2024
Return Version
2023v5.0
Gross Receipts
$1,572,380
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$21,882,402$21,224,333▼ $658,069
Savings and Temporary Cash Investments$2,260,039$5,687,471▲ $3,427,432
Rtn Earn Endowment Incm Other Fnds$2,463,444$2,721,621▲ $258,177
Cash and Non-Interest-Bearing Accounts$935,076$1,273,670▲ $338,594
Pd in Cap Srpls Land Bldg Eqp Fund$1,012,497$1,129,500▲ $117,003
Accounts Receivable$225,231$267,640▲ $42,409
Prepaid Expenses and Deferred Charges$76,389$93,845▲ $17,456
Land, Buildings, and Equipment, Net$76,811$85,933▲ $9,122
Total Assets$25,701,753$28,899,207▲ $3,197,454
Other Assets Total$245,805$266,315▲ $20,510
Liabilities
Other Liabilities$22,060,586$24,747,755▲ $2,687,169
Accounts Payable and Accrued Expenses$165,226$300,331▲ $135,105
Total Liabilities$22,225,812$25,048,086▲ $2,822,274
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,475,941$3,851,121▲ $375,180
Total Liabilities and Net Assets / Fund Balance$25,701,753$28,899,207▲ $3,197,454

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$21,711$288,440$310,151
Buildings$48,722$251,230$299,952
Land$15,500-$15,500
Compensation and Service Providers
Top Officer Pay23rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Nathan BissellCEOFT$86,425$86,425

Board Members and Trustees

NameTitle
Cory BengeChair
Patricia MeyerChair Audit
Dave McmillinPresident
Herbert GreenfieldVice Chair
Brad PayneAudit Commit
Vicki HarterAudit Commit
Jeff BoxCredit Comm
Jd WheatonCredit Commi
Deanne FearSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,056,980
Investment Income
$231,228
Other Revenue
$284,172
Change in Net Assets
$303,646
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$903,749
Salaries, Compensation, and Employee Benefits$364,985
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$221,190
Fees for Services Accounting---$177,033
Office Expenses---$93,671
Current Officers, Directors, Trustees, and Key Employees---$86,425
Occupancy---$35,974
Other Employee Benefits---$33,947
Payroll Taxes---$23,423
Other Expenses---$22,256
Advertising---$21,650
Conferences and Meetings---$3,823
All Other Expenses---$189
Total Functional Expenses$0$0$0$1,268,734
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
Primary$11,233,643
Certificates$8,743,120
Share Drafts$2,715,634
Ira Shares$2,055,358
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
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
CEO
Phone
6416846302
Signed
2024-01-29
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
6

Preparer

Firm
Anderson Larkin & Co Pc
Address
221 N WAPELLO, OTTUMWA, IA 52501
Preparer
Kenneth E 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 Appendix347 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/BOYAmt0165226
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0300331
IRS990/AccountsReceivableGrp/BOYAmt0225231
IRS990/AccountsReceivableGrp/EOYAmt0267640
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS
IRS990/AdvertisingGrp/TotalAmt021650
IRS990/AllOtherExpensesGrp/TotalAmt0189
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/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0935076
IRS990/CashNonInterestBearingGrp/EOYAmt01273670
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt086425
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConferencesMeetingsGrp/TotalAmt03823
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0231228
IRS990/CYOtherExpensesAmt0903749
IRS990/CYOtherRevenueAmt0284172
IRS990/CYProgramServiceRevenueAmt01056980
IRS990/CYRevenuesLessExpensesAmt0303646
IRS990/CYSalariesCompEmpBnftPaidAmt0364985
IRS990/CYTotalExpensesAmt01268734
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01572380
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/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt06
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt0177033
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form1098CFiledInd0false
IRS990/Form8282PropertyDisposedOfInd0false
IRS990/Form8899Filedind0false
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/PersonNm0NATHAN BISSELL
IRS990/Form990PartVIISectionAGrp/PersonNm1CORY BENGE
IRS990/Form990PartVIISectionAGrp/PersonNm2JEFF BOX
IRS990/Form990PartVIISectionAGrp/PersonNm3DEANNE FEAR
IRS990/Form990PartVIISectionAGrp/PersonNm4HERBERT GREENFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm5VICKI HARTER
IRS990/Form990PartVIISectionAGrp/PersonNm6DAVE MCMILLIN
IRS990/Form990PartVIISectionAGrp/PersonNm7PATRICIA MEYER
IRS990/Form990PartVIISectionAGrp/PersonNm8BRAD PAYNE
IRS990/Form990PartVIISectionAGrp/PersonNm9JD WHEATON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt086425
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/ReportableCompFromOrgAmt90
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/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2CREDIT COMM
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5AUDIT COMMIT
IRS990/Form990PartVIISectionAGrp/TitleTxt6PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHAIR AUDIT
IRS990/Form990PartVIISectionAGrp/TitleTxt8AUDIT COMMIT
IRS990/Form990PartVIISectionAGrp/TitleTxt9CREDIT COMMI
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01928
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01572380
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt09
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0231228
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0231228
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0565
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0539670
IRS990/LandBldgEquipBasisNetGrp/BOYAmt076811
IRS990/LandBldgEquipBasisNetGrp/EOYAmt085933
IRS990/LandBldgEquipCostOrOtherBssAmt0625603
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/NetAssetsOrFundBalancesBOYAmt03475941
IRS990/NetAssetsOrFundBalancesEOYAmt03851121
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt035974
IRS990/OfficeExpensesGrp/TotalAmt093671
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0245805
IRS990/OtherAssetsTotalGrp/EOYAmt0266315
IRS990/OtherChangesInNetAssetsAmt071534
IRS990/OtherEmployeeBenefitsGrp/TotalAmt033947
IRS990/OtherExpensesGrp/Desc0DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/TotalAmt0412159
IRS990/OtherExpensesGrp/TotalAmt171091
IRS990/OtherExpensesGrp/TotalAmt265903
IRS990/OtherExpensesGrp/TotalAmt322256
IRS990/OtherLiabilitiesGrp/BOYAmt022060586
IRS990/OtherLiabilitiesGrp/EOYAmt024747755
IRS990/OtherRevenueMiscGrp/BusinessCd0525990
IRS990/OtherRevenueMiscGrp/BusinessCd1525990
IRS990/OtherRevenueMiscGrp/Desc0FEES
IRS990/OtherRevenueMiscGrp/Desc1MISCELLANEOUS INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0254115
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt130057
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0254115
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt130057
IRS990/OtherRevenueTotalAmt0284172
IRS990/OtherSalariesAndWagesGrp/TotalAmt0221190
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt021882402
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt021224333
IRS990/PartialLiquidationInd0false
IRS990/PayPremiumsPrsnlBnftCntrctInd0false
IRS990/PayrollTaxesGrp/TotalAmt023423
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01012497
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01129500
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt076389
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt093845
IRS990/PrincipalOfficerNm0NATHAN BISSELL
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/Desc0LOAN AND CREDIT CARD INTEREST
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01056980
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01056980
IRS990/ProgSrvcAccomActyOtherGrp/Desc0PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0-48465
IRS990/PYOtherExpensesAmt0686243
IRS990/PYOtherRevenueAmt0303095
IRS990/PYProgramServiceRevenueAmt0921457
IRS990/PYRevenuesLessExpensesAmt0134715
IRS990/PYSalariesCompEmpBnftPaidAmt0355129
IRS990/PYTotalExpensesAmt01041372
IRS990/PYTotalRevenueAmt01176087
IRS990/QuidProQuoContributionsInd0false
IRS990/RcvFndsToPayPrsnlBnftCntrctInd0false
IRS990/ReconcilationRevenueExpnssAmt0303646
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02463444
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02721621
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02260039
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05687471
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt048722
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0251230
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0299952
IRS990ScheduleD/EquipmentGrp/BookValueAmt021711
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0288440
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0310151
IRS990ScheduleD/LandGrp/BookValueAmt015500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt015500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt011233643
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt18743120
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt22715634
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt32055358
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0PRIMARY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt085933
IRS990ScheduleD/TotalLiabilityAmt024747755
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/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/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt025701753
IRS990/TotalAssetsEOYAmt028899207
IRS990/TotalAssetsGrp/BOYAmt025701753
IRS990/TotalAssetsGrp/EOYAmt028899207
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01268734
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt022225812
IRS990/TotalLiabilitiesEOYAmt025048086
IRS990/TotalLiabilitiesGrp/BOYAmt022225812
IRS990/TotalLiabilitiesGrp/EOYAmt025048086
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03475941
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03851121
IRS990/TotalProgramServiceRevenueAmt01056980
IRS990/TotalReportableCompFromOrgAmt086425
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01572380
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01572380
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt025701753
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt028899207
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0RIVERCOMMUNITYCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0NATHAN BISSELL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum06416846302
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-01-29
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/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421125570
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANDERSON LARKIN & CO PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0221 N WAPELLO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OTTUMWA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd052501
ReturnHeader/PreparerPersonGrp/PhoneNum06416845489
ReturnHeader/PreparerPersonGrp/PreparationDt02024-04-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KENNETH E CROSSER
ReturnHeader/ReturnTs02024-04-04T11:53:37-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0NATHAN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0BISSELL
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$28,899,207
Liabilities
$25,048,086
Net assets
$3,851,121
Revenue
$1,572,380
Expenses
$1,268,734
Net income
$303,646
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
2023Detailed filing. Detailed filing data is available for this year.$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