Civic Intelligence

River Bend Credit Union

EIN 42-0797087

801 West Burlington Avenue52655-1648
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

93rd percentile

0.88x

Higher debt load relative to assets than 93% of similar nonprofits.

$5M-$10M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on the latest valid filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

No filing with officer or executive compensation is available for this organization yet.

Asset Growth

44th percentile

1.8%

Faster asset growth than 44% of similar nonprofits.

$5M-$10M nonprofits • Annualized from 2010 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Up

$7,385,825

Up $264,971 (+3.7%) from 2010

Liabilities

Up

$6,466,365

Up $295,848 (+4.8%) from 2010

Net Assets

Down

$919,460

Down $30,877 (-3.2%) from 2010

Operations
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$227,705

Down $55,380 (-20%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $7,120,854Liabilities 2010: $6,170,517Net Assets 2010: $950,3372010Assets 2012: $7,385,825Liabilities 2012: $6,466,365Net Assets 2012: $919,4602012

Highlighted filing

2012

Assets$7,385,825
Liabilities$6,466,365
Net Assets$919,460
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0Expenses 2010: $283,0852010Expenses 2012: $227,7052012

Highlighted filing

2012

Revenue-
Expenses$227,705
Net Income-
Open 2012 Filing

Filings

Most recent year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$7,385,825
Liabilities
$6,466,365
Net assets
$919,460
Revenue
-
Expenses
$227,705
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.39$6.47$0.92$0.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.12$6.17$0.95$0.28
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Aug 7, 2013
Return Version
2012v2.1
Gross Receipts
$195,855
Filing and Contact Details

Filer

EIN
42-0797087
Raw XML Appendix386 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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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS COMPRISED OF A SINGLE CLASS OF APPROXIMATELY 1,200 MEMBER-OWNERS, EACH OF WHICH HAS EQUAL RIGHTS OF OWNERSHIP, GOVERNANCE AND VOTING RIGHTS AT THE ANNUAL MEETINGS, WITH THE EXCEPTION OF THE MEMBER-OWNERS WHO ARE ELECTED TO THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR THREE-YEAR TERMS ON A ROTATING BASIS. CANDIDATES ARE ELECTED BY A SIMPLE PLURALITY VOTE. THE BOARD OF DIRECTORS ELECTS DIRECTORS TO SERVE ON THE SUPERVISORY COMMITTEE, WHICH IS VESTED WITH MONITORING SAFETY AND SOUNDNESS OF THE ORGANIZATION. IF DEEMED APPROPRATE, THE SUPERVISORY COMMITTEE CAN SUSPEND BOARD MEMBERS AND CAN CALL A SPECIAL MEETING OF THE MEMBERSHIP TO EVALUATE THE ISSUE AND VOTE TO EITHER DISMISS OR REINSTATE THE BOARD MEMBER.
IRS990ScheduleO/GeneralExplanation/Explanation2CHANGES TO THE GOVERNING DOCUMENTS (BYLAWS) MUST BE APPROVED BY THE MEMBER-OWNERS AFTER THEY HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS AND THE REGULATORY AGENCY. APPROVAL OCCURS WHEN AT LEAST 50% OF THE MEMBER-OWNERS VOTE TO APPROVE.
IRS990ScheduleO/GeneralExplanation/Explanation3PRIOR TO BEING FILED WITH THE IRS, A COPY OF THE IRS FORM 990 AND RELATED SCHEDULES ARE REVIEWED BY THE PRESIDENT, INCLUDING A CONFIRMATION OF THE ACCURACY OF EVERY ANSWER AND OVERSIGHT OF APPROPRIATE CHANGES. UPON COMPLETION OF THIS REVIEW, THE FORMS ARE PROVIDED TO THE BOARD OF DIRECTORS BEFORE FILING.
IRS990ScheduleO/GeneralExplanation/Explanation4BOARD MEMBERS AND OFFICERS ANNUALLY COMPLETE A SURVEY RELATED TO LOANS, BUSINESS RELATIONSHIPS, AND FAMILY MEMBERS THAT COULD, OR DO, CREATE A CONFLICT OF INTEREST. THESE ARE SUMMARIZED AND MAINTAINED IN A DOCUMENT PRESENTED AT EACH BOARD MEETING. CONFLICTS OF INTEREST ARE DETERMINED BY A REVIEW OF THE POTENTIAL CONFLICTS BY THE BOARD OF DIRECTORS. IF A CONFLICT EXITS, THEN THE CONFLICTED BOARD MEMBER OR OFFICER IS EXCLUDED FROM DISCUSSIONS AND VOTES RELATED TO ANY POTENTIAL OR EXISTING RELATIONSHIPS INVOLVING THE CONFLICT OF INTEREST. IF IT IS DETERMINED THAT A CONFLICT OF INTEREST WAS INTENTIONALLY HIDDEN BY A BOARD MEMBER, THEN THE SITUATION WOULD BE INVESTIGATED BY THE SURPERVISORY COMMITTEE AND THE BOARD MEMBER COULD BE SUSPENDED AND SUBJECT TO DISMISSAL AT A SPECIAL MEETING OF ALL THE MEMBERS-OWNERS. ADDITIONALLY, THE REMAING BOARD MEMBERS AND OFFICERS WILL REVIEW, FOR FAIRNESS, ALL PAST TRANSACTIONS INVOLVING CONFLICTS OF INTERESTS. IF A TRANSACTION APPEARS TO LACK ARMS-LENGTH, EITHER TO THE DETRIMENT OF THE CREDIT UNION, OR TO THE UNFAIR ADVANTAGE OF THE BOARD MEMBER, THAN ALL LEGAL REMEDIES WILL BE CONSIDERED.
IRS990ScheduleO/GeneralExplanation/Explanation5THE PROCESS USED BY THE CREDIT UNION FOR DETERMINING COMPENSATION OF THE PRESIDENT/CEO AND OTHER OFFICERS AND KEY EMPLOYEES INCLUDES OBTAINING DATA AND INFORMATION FROM INDEPENDENT, THIRD-PARTY SOURCES, COMPARING AND CONTRASTING THE DATA AGAINST CURRENT COMPENSATION PRACTICES, AND THE INPUT FROM EXTERNAL PARTIES ON THE EXECUTIVE COMMITTEE. THE PRESIDENT AND BOARD OF DIRECTORS HAS ULTIMATE APPROVAL OF COMPENSATION POLICIES AND PRACTICES.
IRS990ScheduleO/GeneralExplanation/Explanation6THE ORGANIZATION MAKES AVAILABLE ALL DOCUMENTATION IN THE LOBBY OF THE OFFICES OF THE ORGANIZATION. ALSO, THE FINANCIAL INFORMATION IS AVAILABLE VIA THE NATIONAL CREDIT UNION ADMINISTRATION WEBSITE IN THE FORM OF CALL REPORTS THAT ARE SUBMITTED ON A QUARTERLY BASIS BY THE ORGANIZATION.
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IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
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IRS990/TotalRevenue/TotalRevenueColumn0195855
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome00
IRS990/UponRequest0X
IRS990/WebSite0N/A
IRS990/WhistleblowerPolicy01
IRS990/YearFormation01953
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0420797087
ReturnHeader/Filer/Name/BusinessNameLine10RIVER BEND CREDIT UNION
ReturnHeader/Filer/NameControl0RIVE
ReturnHeader/Filer/Phone03197520181
ReturnHeader/Filer/USAddress/AddressLine10801 WEST BURLINGTON AVENUE
ReturnHeader/Filer/USAddress/City0WEST BURLINGTON
ReturnHeader/Filer/USAddress/State0IA
ReturnHeader/Filer/USAddress/ZIPCode0526551648
ReturnHeader/Officer/DateSigned02013-08-07
ReturnHeader/Officer/Name0JOHN J BENTLER
ReturnHeader/Officer/Phone03197520181
ReturnHeader/Officer/Title0PRESIDENT
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-08-07T15:37:24-05:00

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