Civic Intelligence

Riverdale Credit Union

EIN 63-0580628 • 501(c)14 • Selma, AL

View Organization Page

Profile

Credit union-to provide services to approximately 11,170 members in the form of loans, savings, and other financial services.

198 Highland AvenueSelma, AL 36701

www.riverdalecu.com

Siviq Scores

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

Liabilities / Assets

43rd percentile

0.88x

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

501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

9th percentile

10.14x

Higher debt load relative to revenue than 9% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

36th percentile

8.3%

Higher net margin than 36% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

89th percentile

8.5%

Faster asset growth than 89% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

67th percentile

17%

Faster revenue growth than 67% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets43rd percentile

Assets

Up

$72,673,823

Up $5,701,868 (+8.5%) from 2015

Liabilities

Up

$63,793,864

Up $5,177,779 (+8.8%) from 2015

Net Assets

Up

$8,879,959

Up $524,089 (+6.3%) from 2015

Operations
Liabilities / Revenue9th percentileNet Margin36th percentile

Revenue

Up

$6,293,291

Up $934,359 (+17%) from 2015

Expenses

Up

$5,769,519

Up $1,036,942 (+22%) from 2015

Net Income

Down

$523,772

Down $102,583 (-16%) from 2015

Trend Graphs

Balance Sheet Trend

Asset Growth89th percentile

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

$80M$60M$40M$20M$0Assets 2010: $43,721,388Liabilities 2010: $38,388,180Net Assets 2010: $5,333,2082010Assets 2011: $48,821,357Liabilities 2011: $43,021,358Net Assets 2011: $5,799,9992011Assets 2012: $55,233,094Liabilities 2012: $48,944,014Net Assets 2012: $6,289,0802012Assets 2013: $63,373,500Liabilities 2013: $56,292,678Net Assets 2013: $7,080,8222013Assets 2014: $64,160,099Liabilities 2014: $56,430,857Net Assets 2014: $7,729,2422014Assets 2015: $66,971,955Liabilities 2015: $58,616,085Net Assets 2015: $8,355,8702015Assets 2016: $72,673,823Liabilities 2016: $63,793,864Net Assets 2016: $8,879,9592016

Highlighted filing

2016

Assets$72,673,823
Liabilities$63,793,864
Net Assets$8,879,959
Open 2016 Filing

Operations Trend

Revenue Growth67th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $2,936,6722010Expenses 2011: $3,097,1442011Expenses 2012: $3,357,4552012Revenue 2013: $4,257,488Expenses 2013: $3,465,746Net Income 2013: $791,7422013Revenue 2014: $4,827,156Expenses 2014: $4,177,217Net Income 2014: $649,9392014Revenue 2015: $5,358,932Expenses 2015: $4,732,577Net Income 2015: $626,3552015Revenue 2016: $6,293,291Expenses 2016: $5,769,519Net Income 2016: $523,7722016

Highlighted filing

2016

Revenue$6,293,291
Expenses$5,769,519
Net Income$523,772
Open 2016 Filing

Filings

Most recent year

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

Open filing
Assets
$72,673,823
Liabilities
$63,793,864
Net assets
$8,879,959
Revenue
$6,293,291
Expenses
$5,769,519
Net income
$523,772
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2016Detailed filing. Detailed filing data is available for this year.$72.7$63.8$8.88$6.29$5.77$0.52
2015Detailed filing. Detailed filing data is available for this year.$67.0$58.6$8.36$5.36$4.73$0.63
2014Detailed filing. Detailed filing data is available for this year.$64.2$56.4$7.73$4.83$4.18$0.65
2013Detailed filing. Detailed filing data is available for this year.$63.4$56.3$7.08$4.26$3.47$0.79
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$55.2$48.9$6.29$3.36
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.8$43.0$5.80$3.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.7$38.4$5.33$2.94
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 10, 2017
Return Version
2016v3.0
Gross Receipts
$6,293,291
Mission and Program Overview

Mission

Credit union-to provide services to approximately 10,082 members in the form of loans, savings, and other financial services.

Credit union-to provide financial services for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$51,415,426$59,828,410▲ $8,412,984
Cap Stk Tr Prin Current Funds$5,700,002$5,700,002→ $0
Investments Other Securities$5,231,038$3,304,232▼ $1,926,806
Cash and Non-Interest-Bearing Accounts$4,430,363$3,210,359▼ $1,220,004
Rtn Earn Endowment Incm Other Fnds$2,655,868$3,179,957▲ $524,089
Savings and Temporary Cash Investments$1,996,000$2,056,142▲ $60,142
Prepaid Expenses and Deferred Charges$1,554,873$1,617,317▲ $62,444
Land, Buildings, and Equipment, Net$1,438,503$1,348,052▼ $90,451
Total Assets$66,971,955$72,673,823▲ $5,701,868
Other Assets Total$905,752$1,309,311▲ $403,559
Liabilities
Other Liabilities$56,600,297$58,685,238▲ $2,084,941
Unsecured Notes Loans Payable-$4,262,920-
Accounts Payable and Accrued Expenses$2,015,788$845,706▼ $1,170,082
Total Liabilities$58,616,085$63,793,864▲ $5,177,779
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,355,870$8,879,959▲ $524,089
Total Liabilities and Net Assets / Fund Balance$66,971,955$72,673,823▲ $5,701,868

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,154,749$538,185$1,692,934
Equipment$61,303$979,972$1,041,275
Land$132,000-$132,000
Leasehold Improvements-$60,153$60,153
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Linda S WalkerPresident/ceFT$130,158$46,248$176,406
Linda S WalkerPresident/CEO-$111,415$64,991$176,406

Board Members and Trustees

NameTitle
Marion P HigginbothamPresident
Charles W UsreyBoard Member
Charles a MehanBoard Member
Kirk EllisonBoard Member
Ray OliverBoard Member
Ricky T HuffmanBoard Member
Jerry H Casey1st Vice Pre
Ira H Curry Jr2nd Vice Pre
Willie E SmileyCredit COM C
Byron AllisonCredit COM M
David L RinehartCredit COM M
Hugh M Ware JrSecretary-tr
Percy L EalumSupervisory
Richard F HugheySupervisory
Darren AtchisonSupervisoryc
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$5,869,723
Investment Income
$88,692
Other Revenue
$334,876
Change in Net Assets
$523,772
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,398,234
Salaries, Compensation, and Employee Benefits$1,371,285
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages-$859,436-$859,436
Interest-$571,779-$571,779
Office Expenses-$418,769-$418,769
Pension Plan Contributions-$252,073-$252,073
Other Employee Benefits-$193,608-$193,608
Occupancy-$191,060-$191,060
Other Expenses-$114,576-$114,576
All Other Expenses-$107,074-$107,074
Payroll Taxes-$66,168-$66,168
Conferences and Meetings-$53,931-$53,931
Total Functional Expenses$0$5,769,519$0$5,769,519
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
Yes
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
All Other Shares$33,376,608
Regular Shares$18,449,360
Share Drafts$6,859,270
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The credit union is owned by the members.”

Form 990, Page 6, Part VI, Line 7A

“The board of directors is elected by the membership (one member, one vote). All duties, powers, and responsibilities are controlled by the board of directors. The members elect the board of directors at the annual meeting every year.”

Form 990, Page 6, Part VI, Line 7B

“Some decisions made by the board of directors are affirmed by the members.”

Form 990, Page 6, Part VI, Line 11B

“The manager reviews the form 990. The form 990 is available for review by the board of directors upon request.”

Form 990, Page 6, Part VI, Line 12C

“The board of directors monitor and enforce the conflict of interst policy.”

Form 990, Page 6, Part VI, Line 15A

“Yes, includes comparability data from the league and cuna salary information.”

Form 990, Page 6, Part VI, Line 19

“Financial documents are posted in the credit union lobby by the 15th of the subsequent month.”

Filing and Contact Details

Filer

Filer Name
Riverdale Credit Union
EIN
63-0580628
Phone
3348729096
Address
198 HIGHLAND AVENUE, SELMA, AL 36701

Signing Officer

Name
Linda S Walker
Title
President/CEO
Phone
3348729096
Signed
2017-03-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Linda S Walker
Formed
1967
Legal Domicile
Al
Voting Board Members
9
Independent Board Members
9
Employees
15
Volunteers
15

Preparer

Firm
Leverage the Lscu Service Corporation
Address
3692 COOLIDGE CT, TALLAHASSEE, FL 32311-7890
Preparer
Hiram H Hollifield
Phone
8505581102
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Hours of service are related to duties of the board of directors, supervisory committee, and credit committee without compensation.”

Form 990, Part XI, Line 9

“Oci for defined benefit plan 930 other misc items -613 total 317”

Form 990, Part XII

“Annual agreed upon procedures are performed by an independent auditor”

Raw XML AppendixShowing 400 of 445 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/MissionDesc0CREDIT UNION-TO PROVIDE SERVICES TO APPROXIMATELY 12,187 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES.
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/OccupancyGrp/ManagementAndGeneralAmt0191060
IRS990/OccupancyGrp/TotalAmt0191060
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0418769
IRS990/OfficeExpensesGrp/TotalAmt0418769
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0905752
IRS990/OtherAssetsTotalGrp/EOYAmt01309311
IRS990/OtherChangesInNetAssetsAmt0317
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt0193608
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0193608
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc1PROF & OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3MISC OPERATING EXP
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IRS990/OtherExpensesGrp/ManagementAndGeneralAmt1644828
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt2243935
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt3114576
IRS990/OtherExpensesGrp/TotalAmt02052282
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IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0334876
IRS990/OtherRevenueTotalAmt0334876
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0859436
IRS990/OtherSalariesAndWagesGrp/TotalAmt0859436
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt066168
IRS990/PayrollTaxesGrp/TotalAmt066168
IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt0252073
IRS990/PensionPlanContributionsGrp/TotalAmt0252073
IRS990/PoliciesReferenceChaptersInd0true
IRS990/PoliticalCampaignActyInd0true
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt01554873
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt01617317
IRS990/PrincipalOfficerNm0LINDA S WALKER
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IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1586976
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1586976
IRS990/ProgSrvcAccomActy2Grp/Desc0THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES TO ITS MEMBERS.
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IRS990/PYSalariesCompEmpBnftPaidAmt01283092
IRS990/PYTotalExpensesAmt04732577
IRS990/PYTotalRevenueAmt05358932
IRS990/ReconcilationRevenueExpnssAmt0523772
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IRS990/RelatedEntityInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt02056142
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IRS990ScheduleD/BuildingsGrp/BookValueAmt01154749
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0538185
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01692934
IRS990ScheduleD/EquipmentGrp/BookValueAmt061303
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0979972
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01041275
IRS990ScheduleD/LandGrp/BookValueAmt0132000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0132000
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt060153
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt060153
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt033376608
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt118449360
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt26859270
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ALL OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2SHARE DRAFTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01348052
IRS990ScheduleD/TotalLiabilityAmt058685238
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IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0111415
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount018743
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt046248
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0LINDA S WALKER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0176406
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, SUPERVISORY COMMITTEE, AND CREDIT COMMITTEE WITHOUT COMPENSATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION IS OWNED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE MANAGER REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTERST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6YES, INCLUDES COMPARABILITY DATA FROM THE LEAGUE AND CUNA SALARY INFORMATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8OCI FOR DEFINED BENEFIT PLAN 930 OTHER MISC ITEMS -613 TOTAL 317
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9ANNUAL AGREED UPON PROCEDURES ARE PERFORMED BY AN INDEPENDENT AUDITOR
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9FORM 990, PART XII
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IRS990/TerminateOperationsInd0false
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IRS990/TotalFunctionalExpensesGrp/TotalAmt05769519
IRS990/TotalGrossUBIAmt00
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IRS990/TotalOtherCompensationAmt046248
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IRS990/TotalProgramServiceRevenueAmt05869723
IRS990/TotalReportableCompFromOrgAmt0130158
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt06293291
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt06293291

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