Civic Intelligence

Rural Cooperatives Credit Union Inc

EIN 61-0647852 • 501(c)14 • Louisville, KY

Profile

CREDIT UNION SERVICES

PO Box 32170Louisville, KY 40232-2170

www.rccu.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

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

Source year 2025

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Net Margin

27th percentile

-21%

Higher net margin than 27% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

83rd percentile

$125,478

Higher top officer pay than 83% of similar nonprofits.

Top officer pay equals 7.1% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

79th percentile

8.9%

Faster revenue growth than 79% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $35,168,423 (-100%) from 2023

Liabilities

Down

$0

Down $30,735,478 (-100%) from 2023

Net Assets

Down

$0

Down $4,432,945 (-100%) from 2023

Operations
Liabilities / Revenue35th percentileNet Margin27th percentile

Revenue

Up

$1,756,833

Up $338,948 (+24%) from 2023

Expenses

Up

$2,120,332

Up $539,435 (+34%) from 2023

Net Income

Down

-$363,499

Down $200,487 (-123%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$60M$40M$20M$0Assets 2010: $37,593,154Liabilities 2010: $33,126,831Net Assets 2010: $4,466,3232010Assets 2011: $38,271,055Liabilities 2011: $33,698,009Net Assets 2011: $4,573,0462011Assets 2012: $38,667,178Liabilities 2012: $34,009,276Net Assets 2012: $4,657,9022012Assets 2013: $38,199,094Liabilities 2013: $33,446,788Net Assets 2013: $4,752,3062013Assets 2014: $39,204,841Liabilities 2014: $34,415,001Net Assets 2014: $4,789,8402014Assets 2015: $38,412,088Liabilities 2015: $33,551,663Net Assets 2015: $4,860,4252015Assets 2016: $37,957,391Liabilities 2016: $33,048,651Net Assets 2016: $4,908,7402016Assets 2017: $37,974,536Liabilities 2017: $33,150,095Net Assets 2017: $4,824,4412017Assets 2018: $36,176,803Liabilities 2018: $31,402,710Net Assets 2018: $4,774,0932018Assets 2019: $35,801,850Liabilities 2019: $31,072,688Net Assets 2019: $4,729,1622019Assets 2020: $37,531,087Liabilities 2020: $32,927,953Net Assets 2020: $4,603,1342020Assets 2021: $40,338,575Liabilities 2021: $35,642,758Net Assets 2021: $4,695,8172021Assets 2022: $38,824,669Liabilities 2022: $34,228,711Net Assets 2022: $4,595,9582022Assets 2023: $35,168,423Liabilities 2023: $30,735,478Net Assets 2023: $4,432,9452023Assets 2025: $0Liabilities 2025: $0Net Assets 2025: $02025

Highlighted filing

2025

Assets$0
Liabilities$0
Net Assets$0
Open 2025 Filing

Operations Trend

Revenue Growth79th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,226,4602010Expenses 2011: $2,013,0102011Expenses 2012: $1,893,1952012Revenue 2013: $1,847,246Expenses 2013: $1,752,842Net Income 2013: $94,4042013Revenue 2014: $1,751,589Expenses 2014: $1,714,055Net Income 2014: $37,5342014Revenue 2015: $1,748,650Expenses 2015: $1,678,065Net Income 2015: $70,5852015Revenue 2016: $1,754,470Expenses 2016: $1,706,155Net Income 2016: $48,3152016Revenue 2017: $1,682,602Expenses 2017: $1,766,901Net Income 2017: -$84,2992017Revenue 2018: $1,667,581Expenses 2018: $1,717,929Net Income 2018: -$50,3482018Revenue 2019: $1,601,386Expenses 2019: $1,646,317Net Income 2019: -$44,9312019Revenue 2020: $1,432,290Expenses 2020: $1,558,318Net Income 2020: -$126,0282020Revenue 2021: $1,492,377Expenses 2021: $1,399,695Net Income 2021: $92,6822021Revenue 2022: $1,252,416Expenses 2022: $1,352,275Net Income 2022: -$99,8592022Revenue 2023: $1,417,885Expenses 2023: $1,580,897Net Income 2023: -$163,0122023Revenue 2025: $1,756,833Expenses 2025: $2,120,332Net Income 2025: -$363,4992025

Highlighted filing

2025

Revenue$1,756,833
Expenses$2,120,332
Net Income-$363,499
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$1,756,833
Expenses
$2,120,332
Net income
-$363,499
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$1.76$2.12$0.36
2023Summary only. Only limited summary data is available for this year.$35.2$30.7$4.43$1.42$1.58$0.16
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.8$34.2$4.60$1.25$1.35$0.10
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$40.3$35.6$4.70$1.49$1.40$0.09
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.5$32.9$4.60$1.43$1.56$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.8$31.1$4.73$1.60$1.65$0.04
2018Summary only. Only limited summary data is available for this year.$36.2$31.4$4.77$1.67$1.72$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.0$33.2$4.82$1.68$1.77$0.08
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.0$33.0$4.91$1.75$1.71$0.05
2015Detailed filing. Detailed filing data is available for this year.$38.4$33.6$4.86$1.75$1.68$0.07
2014Detailed filing. Detailed filing data is available for this year.$39.2$34.4$4.79$1.75$1.71$0.04
2013Detailed filing. Detailed filing data is available for this year.$38.2$33.4$4.75$1.85$1.75$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.7$34.0$4.66$1.89
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.3$33.7$4.57$2.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.6$33.1$4.47$2.23
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Jan 31, 2026
Return Version
2025v4.0
Gross Receipts
$1,756,833
Mission and Program Overview

Mission

Mission Statement: To assist member-owners in realizing personal financial success by providing competitive, value-oriented products and services delivered with excellent member service and convenience.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$21,492,101--
Other Notes and Loans Receivable, Net$11,955,448--
Rtn Earn Endowment Incm Other Fnds$4,400,449--
Cash and Non-Interest-Bearing Accounts$319,601--
Land, Buildings, and Equipment, Net$117,210--
Prepaid Expenses and Deferred Charges$47,605--
Total Assets$34,423,234$0▼ $34,423,234
Other Assets Total$491,269--
Liabilities
Other Liabilities$29,904,787--
Accounts Payable and Accrued Expenses$117,998--
Total Liabilities$30,022,785$0▼ $30,022,785
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,400,449$0▼ $4,400,449
Total Liabilities and Net Assets / Fund Balance$34,423,234$0▼ $34,423,234
Compensation and Service Providers
Top Officer Pay83rd percentile

Employees

NameTitleFull / Part TimeOtherTotal
Larry BischoffCEOFT$125,478$125,478

Board Members and Trustees

NameTitle
Jennie PhelpsChairperson
Chuck WilliamsonVice Chairperson
Anna SwansonSecretarytreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,755,946
Investment Income
$887
Other Revenue
$0
Change in Net Assets
$-363,499
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,010,881
Other Expenses$929,417
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$563,408
Information Technology---$439,015
Pension Plan Contributions---$259,041
Benefits to Members---$180,034
Other Employee Benefits---$142,561
Occupancy---$55,423
Office Expenses---$49,611
Payroll Taxes---$45,871
Conferences and Meetings---$37,052
Insurance---$23,836
Depreciation Depletion---$19,996
Fees for Services Accounting---$11,274
Other Expenses$11,164--$11,164
Advertising---$10,367
All Other Expenses---$754
Total Functional Expenses$0$0$0$2,120,332
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
Shares and CDs-
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“This organization has members.”

Member election for additional members Part VI line 7A

“The members elect the board of directors.”

Governing body decisions Part VI line 7B

“Major decisions are put to a vote by the membership through the use of special meetings or at the annual meeting.”

Local chapters branches affiliates Part VI line 10A

“Written policies and procedures are in place to ensure the local branch location activities are consistent with the credit unions exempt purpose.”

Form 990 governing body review Part VI line 11

“A copy of the 990 is emailed to the board of directors for their review.”

Conflict of interest policy compliance Part VI line 12C

“Informal policy of self reporting”

CEO executive director top management comp Part VI line 15A

“Market data for comparable positions is used along with other research information from trade associations to determine compensation. The review and approval is performed by the board of directors of the credit union.”

Governing documents etc available to public Part VI line 19

“Governing documents are provided to members upon request. The conflict-of-interest policy is provided to members upon request. Financial statements are published in an annual report to members and displayed in the credit union offices.”

Filing and Contact Details

Filer

Filer Name
Rural Cooperatives Credit Union Inc
EIN
61-0647852
In Care Of
% Larry Bischoff
Phone
8007987228
Address
PO BOX 32170, Louisville, KY 40232-2170

Signing Officer

Name
Larry Bischoff
Title
CEO
Phone
5028156364
Signed
2026-01-31
Discuss with paid preparer
Yes

Organization Details

Formed
1964
Legal Domicile
Ky
Voting Board Members
19
Independent Board Members
19
Employees
0

Preparer

Firm
Kenneth Kling CPA Psc
Address
325 CHELSEA RD, LOUISVILLE, KY 40207
Preparer
Kenneth Kling
Phone
5022878455
Supplemental Narrative

Additional Explanations

Explanation of other changes in net assets or fund balances Part XI line 9

“Transfer to Caro Federal Credit Union due to Merger on 12/31/25.”

Raw XML Appendix331 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
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IRS990/AdvertisingGrp/TotalAmt010367
IRS990/AllOtherExpensesGrp/TotalAmt0754
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt0180034
IRS990/BooksInCareOfDetail/PersonNm0RURAL COOPERATIVES CREDIT UNION
IRS990/BooksInCareOfDetail/PhoneNum08007987228
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01630 LYNDON FARM CT STE 201
IRS990/BooksInCareOfDetail/USAddress/CityNm0Louisville
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0KY
IRS990/BooksInCareOfDetail/USAddress/ZIPCd040223
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0319601
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt037052
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractTerminationInd0X
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt0180034
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0887
IRS990/CYOtherExpensesAmt0929417
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01755946
IRS990/CYRevenuesLessExpensesAmt0-363499
IRS990/CYSalariesCompEmpBnftPaidAmt01010881
IRS990/CYTotalExpensesAmt02120332
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01756833
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt019996
IRS990/Desc0RURAL COOPERATIVES CREDIT UNION PROVIDES FINANCIAL SERVICES TO 3,094 MEMBERS IN THE RURAL ELECTRIC COOPERATIVE FIELD IN KENTUCKY AND OHIO.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt00
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt011274
IRS990/FinalReturnInd0X
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt050.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/PersonNm0LARRY BISCHOFF
IRS990/Form990PartVIISectionAGrp/PersonNm1JENNIE PHELPS
IRS990/Form990PartVIISectionAGrp/PersonNm2CHUCK WILLIAMSON
IRS990/Form990PartVIISectionAGrp/PersonNm3ANNA SWANSON
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt0125478
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARYTREASURER
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01964
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0887
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt019
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0887
IRS990/GrossReceiptsAmt01756833
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt019
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0439015
IRS990/InsuranceGrp/TotalAmt023836
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0331
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0117210
IRS990/LegalDomicileStateCd0KY
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0true
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Mission Statement: To assist member-owners in realizing personal financial success by providing competitive, value-oriented products and services delivered with excellent member service and convenience.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt04400449
IRS990/NetAssetsOrFundBalancesEOYAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0887
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0887
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt055423
IRS990/OfficeExpensesGrp/TotalAmt049611
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IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0491269
IRS990/OtherChangesInNetAssetsAmt0-4036950
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0142561
IRS990/OtherExpensesGrp/Desc0LOAN SERVICE EXPENSES
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2CASH OVER & SHORT
IRS990/OtherExpensesGrp/Desc3ASSOCIATION DUES
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IRS990/OtherExpensesGrp/ProgramServicesAmt1143354
IRS990/OtherExpensesGrp/ProgramServicesAmt2-5
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IRS990/OtherExpensesGrp/TotalAmt2-5
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IRS990/OtherLiabilitiesGrp/BOYAmt029904787
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IRS990/PartialLiquidationInd0true
IRS990/PayrollTaxesGrp/TotalAmt045871
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IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0false
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1INVESTMENT INCOME
IRS990/ProgramServiceRevenueGrp/Desc2MEMBER FEES-SERVICES
IRS990/ProgramServiceRevenueGrp/Desc3MISC INCOME
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt328928
IRS990/ProhibitedTaxShelterTransInd0false
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IRS990/PYInvestmentIncomeAmt02750
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IRS990/PYTotalExpensesAmt01645753
IRS990/PYTotalRevenueAmt01613255
IRS990/ReconcilationRevenueExpnssAmt0-363499
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
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IRS990/ReportLandBuildingEquipmentInd0false
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt04400449
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021492101
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares and CDs
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleN/AssetsDistributedInd0true
IRS990ScheduleN/AttorneyGeneralNotifiedInd0true
IRS990ScheduleN/BondsOutstandingInd0false
IRS990ScheduleN/DirectorOfSuccessor2Ind0true
IRS990ScheduleN/DirectorOfSuccessorInd0true
IRS990ScheduleN/DispositionOfAssetsDetail/AssetsDistriOrExpnssPaidDesc0Merger into Caro Federal Credit Union
IRS990ScheduleN/DispositionOfAssetsDetail/BusinessName/BusinessNameLine1Txt0Caro Federal Credit Union
IRS990ScheduleN/DispositionOfAssetsDetail/DistributionDt02025-12-31
IRS990ScheduleN/DispositionOfAssetsDetail/EIN0576001163
IRS990ScheduleN/DispositionOfAssetsDetail/FairMarketValueOfAssetAmt04036950
IRS990ScheduleN/DispositionOfAssetsDetail/IRCSectionTxt0501C14
IRS990ScheduleN/DispositionOfAssetsDetail/MethodOfFMVDeterminationTxt0Book Value
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/AddressLine1Txt04480 Rosewood Dr
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/CityNm0Columbia
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/StateAbbreviationCd0SC
IRS990ScheduleN/DispositionOfAssetsDetail/USAddress/ZIPCd029209
IRS990ScheduleN/EmployeeOfSuccessor2Ind0true
IRS990ScheduleN/EmployeeOfSuccessorInd0true
IRS990ScheduleN/LiabilitiesPaidInd0true
IRS990ScheduleN/OwnerOfSuccessor2Ind0false
IRS990ScheduleN/OwnerOfSuccessorInd0false
IRS990ScheduleN/ReceiveCompensation2Ind0false
IRS990ScheduleN/ReceiveCompensationInd0false
IRS990ScheduleN/RequiredToNotifyAGInd0true
IRS990ScheduleN/SupplementalInformationDetail/ExplanationTxt0All employees of Rural Cooperatives Credit Union have been offered a jobwith Caro Federal Credit Union. The acquiring Credit Union plans to keepthe locations of Rural Cooperatives Credit Union open using their existingemployees.
IRS990ScheduleN/SupplementalInformationDetail/FormAndLineReferenceDesc0General Explanation Attachment
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THIS ORGANIZATION HAS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MAJOR DECISIONS ARE PUT TO A VOTE BY THE MEMBERSHIP THROUGH THE USE OF SPECIAL MEETINGS OR AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3WRITTEN POLICIES AND PROCEDURES ARE IN PLACE TO ENSURE THE LOCAL BRANCH LOCATION ACTIVITIES ARE CONSISTENT WITH THE CREDIT UNIONS EXEMPT PURPOSE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A COPY OF THE 990 IS EMAILED TO THE BOARD OF DIRECTORS FOR THEIR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INFORMAL POLICY OF SELF REPORTING
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6MARKET DATA FOR COMPARABLE POSITIONS IS USED ALONG WITH OTHER RESEARCH INFORMATION FROM TRADE ASSOCIATIONS TO DETERMINE COMPENSATION. THE REVIEW AND APPROVAL IS PERFORMED BY THE BOARD OF DIRECTORS OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7GOVERNING DOCUMENTS ARE PROVIDED TO MEMBERS UPON REQUEST. THE CONFLICT-OF-INTEREST POLICY IS PROVIDED TO MEMBERS UPON REQUEST. FINANCIAL STATEMENTS ARE PUBLISHED IN AN ANNUAL REPORT TO MEMBERS AND DISPLAYED IN THE CREDIT UNION OFFICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Transfer to Caro Federal Credit Union due to Merger on 12/31/25.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Local chapters branches affiliates Part VI line 10a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Explanation of other changes in net assets or fund balances Part XI line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0true
IRS990/TotalAssetsBOYAmt034423234
IRS990/TotalAssetsEOYAmt00
IRS990/TotalAssetsGrp/BOYAmt034423234
IRS990/TotalAssetsGrp/EOYAmt00
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02120332
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt030022785
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt030022785
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04400449
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt01755946
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01756833
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01756833
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt034423234
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt00
IRS990/TotReportableCompRltdOrgAmt0125478
IRS990/TransactionWithControlEntInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt019
IRS990/VotingMembersIndependentCnt019
IRS990/WebsiteAddressTxt0www.rccu.com
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LARRY BISCHOFF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05028156364
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-01-31
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RURAL COOPERATIVES CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0RURA
ReturnHeader/Filer/EIN0610647852
ReturnHeader/Filer/InCareOfNm0% Larry Bischoff
ReturnHeader/Filer/PhoneNum08007987228
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 32170
ReturnHeader/Filer/USAddress/CityNm0Louisville
ReturnHeader/Filer/USAddress/StateAbbreviationCd0KY
ReturnHeader/Filer/USAddress/ZIPCd0402322170
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0201871743
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KENNETH KLING CPA PSC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0325 CHELSEA RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LOUISVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd040207
ReturnHeader/PreparerPersonGrp/PhoneNum05022878455
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KENNETH KLING
ReturnHeader/ReturnTs02026-02-04T16:59:43-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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