Civic Intelligence

Riverdale Credit Union

990 • Fiscal year 2011 • EIN 63-0580628

Jan 01, 2011 to Dec 31, 2011 • Filed on Aug 15, 2012

Organization ProfileWWW.RIVERDALECU.COM

View Organization Page

198 Highland Avenue36701
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

50th percentile

0.88x

Higher debt load relative to assets than 50% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

90th percentile

12%

Faster asset growth than 90% of similar nonprofits.

2011 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets50th percentile

Assets

Up

$48,821,357

Up $5,099,969 (+12%) from 2010

Net Assets

Up

$5,799,999

Up $466,791 (+8.8%) from 2010

Liabilities

Up

$43,021,358

Up $4,633,178 (+12%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$3,097,144

Up $160,472 (+5.5%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth90th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2011

Assets$48,821,357
Liabilities$43,021,358
Net Assets$5,799,999
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2011

Revenue-
Expenses$3,097,144
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Aug 15, 2012
Return Version
2011v1.2
Gross Receipts
$3,563,935
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.

Filing and Contact Details

Filer

EIN
63-0580628
Raw XML Appendix379 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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IRS990ScheduleI/Form990ScheduleIPartIII/TypeOfGrant0EDUCATIONAL SCHOLARSHIPS FOR POST SECONDARY EDUCATION FOR MEMBERS OF RIVERDALE CREDIT UNION IN THE AMOUNT OF $500 PER ELIGIBLE MEMBER.
IRS990ScheduleI/Form990ScheduleIPartIV/Explanation0SCHEDULE I, PART I, LINE 2: SCHOLARSHIP RECIPIENTS PRESENT A RECEIPT TO THE CREDIT UNION FROM THE EDUCATIONAL INSTITUTION FOR EXPENSES PAID BY THE RECIPIENT. THE CREDIT UNION USES THE RECEIPT TO SUBSTANTIATE THAT THE EXPENSE IS A QUALIFIED EDUCATIONAL EXPENSE COVERED BY THE SCHOLARSHIP. QUALIFIED EXPENSES INCLUDE THOSE RELATED TO TUITION AND/OR BOOKS, EXCLUDING EXPENSES RELATED TO ROOM AND BOARD. REIMBURSEMENT IS THEN PROVIDED TO THE SCHOLARSHIP RECIPIENT FOR THE QUALIFIED EXPENSE. EACH YEAR THE SCHOLARSHIP LIST IS MONITORED TO ENSURE NO DUPLICATION OF PAYMENT.
IRS990ScheduleI/Form990ScheduleIPartIV/Explanation1PART III: THE BOARD OF DIRECTORS DETERMINES THE NUMBER OF SCHOLARSHIP RECIPIENTS BASED ON SCHOLARSHIP BUDGET OF THE CREDIT UNION WHICH IS DETERMINED BY THE BOARD AFTER AN ANNUAL REVIEW OF THE CURRENT FINANCIAL CONDITION OF THE CREDIT UNION.
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IRS990ScheduleI/Form990ScheduleIPartIV/ReturnReference0PART I, LINE 2:
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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS A NON-PROFIT FINANCIAL INSTITUTION THAT IS OWNED AND OPERATED BY ITS MEMBERS. MEMBERS OF THE CREDIT UNION ARE INDIVIDUALS WHO LIVE, WORK, WORSHIP, OR ATTEND SCHOOL IN AUTAUGA, DALLAS, LOWNDES, PERRY, WILCOX, OR CHILTON COUNTIES IN THE STATE OF ALABAMA.
IRS990ScheduleO/GeneralExplanation/Explanation1AT THE ANNUAL MEETING THE NOMINATING COMMITTEE PRESENTS A SLATE FOR APPROVAL BY CREDIT UNION MEMBERS. (EACH BOARD MEMBER HOLDS A 3 YEAR TERM SO THAT 3 OF THE 9 SEATS ARE AVAILABLE FOR ELECTION OR REELECTION EACH YEAR.) MEMBERS VOTE BY ACCLAMATION AND A BALLOT IS USED IF SOMEONE IS NOMINATED FROM THE FLOOR.
IRS990ScheduleO/GeneralExplanation/Explanation2THE CREDIT UNION DOES NOT HAVE COMMITTEES WITH THE RESPONSIBILITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/GeneralExplanation/Explanation3UPON COMPLETION OF THE CREDIT UNION'S FORM 990, THE RETURN IS PRESENTED TO THE BOARD AT A BOARD OF DIRECTORS MEETING. AT THE MEETING, THE BOARD MEMBERS REVIEW THE TAX RETURN AND ARE FREE TO ASK ANY QUESTIONS OR ENGAGE IN DISCUSSION REGARDING ANY TOPIC COVERED IN THE RETURN. ONCE THE GOVERNING BODY HAS REVIEWED AND APPROVED THE FORM 990, THE RETURN IS FILED WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/GeneralExplanation/Explanation4CREDIT UNION BOARD MEMBERS AND OFFICERS REVIEW, REVISE, AND APPROVE THE CONFLICT OF INTEREST POLICY ANNUALLY. IT IS THE RESPONSIBILITY OF STAFF OR DIRECTORS TO IMMEDIATELY NOTIFY THE CREDIT UNION MANAGERS OF ANY POTENTIAL CONFLICT OF INTEREST.
IRS990ScheduleO/GeneralExplanation/Explanation5COMPENSATION FOR MANAGERS, LOAN OFFICERS, AND TELLERS IS REVIEWED ON A YEARLY BASIS. THE PROCESS INCLUDES REVIEW AND APPROVAL BY THE BOARD OF DIRECTORS, USE OF DATA AS TO COMPARABLE COMPENSATION, AND CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING WITH RESPECT TO THE DELIBERATION AND DECISIONS.
IRS990ScheduleO/GeneralExplanation/Explanation6THE CREDIT UNION MAKES AVAILABLE ITS FINANCIAL STATEMENTS VIA THE NCUA WEBSITE WHICH CAN BE FOUND AT WWW.NCUA.GOV. OTHER DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7ON A YEARLY BASIS, THE ALABAMA CREDIT UNION ADMINISTRATION EXAMINES THE FINANCIAL STATEMENTS OF THE CREDIT UNION. ON A QUARTERLY AND YEARLY BASIS, THE LEAGUE OF SOUTHEASTERN CREDIT UNIONS EXAMS THE FINANCIAL STATEMENTS OF THE CREDIT UNION. THE NATIONAL CREDIT UNION ADMINISTRATION PERFORMS SIMILAR EXAMINATION PROCEDURES APPROXIMATELY EVERY THREE YEARS BECAUSE THE CREDIT UNION IS FEDERALLY INSURED.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 8B
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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ReturnHeader/Officer/Phone03348729096
ReturnHeader/Officer/Title0CEO
ReturnHeader/PreparerFirm/EIN0631077072
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10BARFIELD MURPHY SHANK & SMITH PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine101121 RIVERCHASE OFFICE RD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0BIRMINGHAM
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0AL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode035244
ReturnHeader/Preparer/Name0JACK KNIGHT CPA
ReturnHeader/Preparer/Phone02059825500
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-05-29T09:59:10-05:00

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$48,821,357
Liabilities
$43,021,358
Net assets
$5,799,999
Revenue
-
Expenses
$3,097,144
Net income
-
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