Civic Intelligence

Riverdale Credit Union

990 • Fiscal year 2012 • EIN 63-0580628

Jan 01, 2012 to Dec 31, 2012 • Filed on Nov 15, 2013

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

41st percentile

0.89x

Higher debt load relative to assets than 41% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

93rd percentile

13%

Faster asset growth than 93% of similar nonprofits.

2012 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$55,233,094

Up $6,411,737 (+13%) from 2011

Net Assets

Up

$6,289,080

Up $489,081 (+8.4%) from 2011

Liabilities

Up

$48,944,014

Up $5,922,656 (+14%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$3,357,455

Up $260,311 (+8.4%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth93rd 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

2012

Assets$55,233,094
Liabilities$48,944,014
Net Assets$6,289,080
Open 2012 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

2012

Revenue-
Expenses$3,357,455
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Nov 15, 2013
Return Version
2012v2.3
Gross Receipts
$3,846,536
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 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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IRS990ScheduleI/Form990ScheduleIPartIII/TypeOfGrant0EDUCATIONAL SCHOLARSHIPS
IRS990ScheduleI/Form990ScheduleIPartIV/Explanation0SCHOLARSHIP RECIPIENTS PRESENT A RECEIPT TO THE CREDIT UNION FROM THE EDUCATIONAL INSTITUTION FOR EXPENSES PAID BY THE RECEIPIENT. THE CREDIT UNION USES THE RECEIPT TO SUBSTANTIATE THAT THE EXPENSE IS QUALIFIED EDUCATIONAL EXPENSE COVERED BY THE SCHOLARSHIP. QUALIFIED EXPENSES INCLUDE THOSE RELATED TO TUITITION 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.
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IRS990ScheduleO/GeneralExplanation/Explanation0MEMBERS SERVED TO PROMOTE THRIFT OPPORTUNITIES AND LOW COST LOANS.
IRS990ScheduleO/GeneralExplanation/Explanation1THE 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/Explanation2AT THE ANNUAL MEETING THE NOMINATING COMMITTEE PRESENTS A SLATE FOR APPROVAL BY CREDIT UNION MEMBERS. EACH BOARD MEMBER HOLDS A 3 YEAR TERM SO 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/Explanation3THE CREDIT UNION DOES NOT HAVE COMMITTEES WITH THE RESPONSIBILITY TO ACT ON BEHALF OF THE GOVERNING BODY.
IRS990ScheduleO/GeneralExplanation/Explanation4NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/GeneralExplanation/Explanation5CREDIT 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 NOTIFIY THE CREDIT UNION MANAGER OF ANY POTENTIAL CONFLICT OF INTEREST.
IRS990ScheduleO/GeneralExplanation/Explanation6COMPENSATION FOR MANAGERS, LOAN OFFICERS, AND TELLERS IS REVIEWED ON AN ANNUAL BASIS. THE PROCESS INCLUDES REVIEW AN APPROVAL BY THE BOARD OF DIRECTORS, USE OF DATA AS TO COMPARABLE COMPENSATION, AND THE CONTEMPORANEOUS DOCUMENTATION AND RECORDKEEPING WITH RESPECT TO THE DELIBERATION AND DECISIONS.
IRS990ScheduleO/GeneralExplanation/Explanation7DOCUMENTED IN QUESTION 15A.
IRS990ScheduleO/GeneralExplanation/Explanation8THE 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/Explanation9ON 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 UANIONS EXAMINES 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/Identifier0ALL OTHER ACCOMPLISHMENT DESCRIPTION
IRS990ScheduleO/GeneralExplanation/Identifier1CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier3DOCUMENTATION BY COMMITTEE
IRS990ScheduleO/GeneralExplanation/Identifier4ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier5ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier6COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier7COMPENSATION PROCESS FOR OFFICERS
IRS990ScheduleO/GeneralExplanation/Identifier8GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier9CHANGE IN ACCOUNTING METHOD EXPLANATION
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IRS990/WebSite0WWW.RIVERDALECU.COM
IRS990/WhistleblowerPolicy0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/Filer/EIN0630580628
ReturnHeader/Filer/Name/BusinessNameLine10RIVERDALE CREDIT UNION
ReturnHeader/Filer/NameControl0RIVE
ReturnHeader/Filer/USAddress/AddressLine10198 HIGHLAND AVENUE
ReturnHeader/Filer/USAddress/City0SELMA
ReturnHeader/Filer/USAddress/State0AL
ReturnHeader/Filer/USAddress/ZIPCode036701
ReturnHeader/Officer/AuthorizeThirdParty0false
ReturnHeader/Officer/DateSigned02013-11-15
ReturnHeader/Officer/Name0LINDA S WALKER
ReturnHeader/Officer/Title0PRESIDENT/CEO
ReturnHeader/Preparer/DatePrepared02013-11-15
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10LEVERAGE THE LSCU SERVICE CORPORATION
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine103773 COMMONWEALTH BLVD
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0TALLAHASSEE
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0FL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0323033175
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-11-15T16:43:17-06:00

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$55,233,094
Liabilities
$48,944,014
Net assets
$6,289,080
Revenue
-
Expenses
$3,357,455
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