Civic Intelligence

River Cities Credit Union

EIN 72-0364564 • 501(c)14 • Alexandria, LA

View Organization Page

Profile

Provide affordable financial services (savings, loans, credit cards, checking accounts) to its members at competitive rates.

1767 Jackson StreetAlexandria, LA 71301

www.netit.financial-net.com/atcu/cgi-bin/ebs

Siviq Scores

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

Liabilities / Assets

72nd percentile

0.89x

Higher debt load relative to assets than 72% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2014

Liabilities / Revenue

97th percentile

35.01x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2014

Net Margin

4th percentile

-50%

Higher net margin than 4% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2014

Top Officer Pay

38th percentile

$50,000

Higher top officer pay than 38% of similar nonprofits.

Top officer pay equals 22.7% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2014

Asset Growth

25th percentile

-5.4%

Faster asset growth than 25% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2014

Revenue Growth

15th percentile

-11%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2014

Balance Sheet
Liabilities / Assets72nd percentile

Assets

Down

$8,711,990

Down $1,027,747 (-11%) from 2012

Liabilities

Down

$7,722,429

Down $772,198 (-9.1%) from 2012

Net Assets

Down

$989,561

Down $255,549 (-21%) from 2012

Operations
Liabilities / Revenue97th percentileNet Margin4th percentile

Revenue

Down

$220,597

Down $59,382 (-21%) from 2012

Expenses

Down

$331,726

Down $81,834 (-20%) from 2012

Net Income

Up

-$111,129

Up $22,452 (+17%) from 2012

Trend Graphs

Balance Sheet Trend

Asset Growth25th percentile

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

$15M$10M$5.0M$0Assets 2010: $11,178,020Liabilities 2010: $9,671,302Net Assets 2010: $1,506,7182010Assets 2012: $9,739,737Liabilities 2012: $8,494,627Net Assets 2012: $1,245,1102012Assets 2014: $8,711,990Liabilities 2014: $7,722,429Net Assets 2014: $989,5612014

Highlighted filing

2014

Assets$8,711,990
Liabilities$7,722,429
Net Assets$989,561
Open 2014 Filing

Operations Trend

Revenue Growth15th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $698,6932010Revenue 2012: $279,979Expenses 2012: $413,560Net Income 2012: -$133,5812012Revenue 2014: $220,597Expenses 2014: $331,726Net Income 2014: -$111,1292014

Highlighted filing

2014

Revenue$220,597
Expenses$331,726
Net Income-$111,129
Open 2014 Filing

Filings

Most recent year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$8,711,990
Liabilities
$7,722,429
Net assets
$989,561
Revenue
$220,597
Expenses
$331,726
Net income
-$111,129
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$8.71$7.72$0.99$0.22$0.33$0.11
2012Summary only. Only limited summary data is available for this year.$9.74$8.49$1.25$0.28$0.41$0.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.2$9.67$1.51$0.70
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 16, 2015
Return Version
2014v5.0
Gross Receipts
$220,597
Mission and Program Overview

Mission

Provide affordable financial services (savings, loans, credit cards, checking accounts) to its members at competitive rates.

Provide financial services (savings, loans, share draft accounts, credit cards, etc) for its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Program Related-$4,559,586-
Other Notes and Loans Receivable, Net-$2,602,940-
Cash and Non-Interest-Bearing Accounts-$1,317,077-
Rtn Earn Endowment Incm Other Fnds$1,118,346$989,561▼ $128,785
Land, Buildings, and Equipment, Net-$140,711-
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$8,697,197$8,711,990▲ $14,793
Other Assets Total$8,697,197$91,676▼ $8,605,521
Liabilities
Other Liabilities$7,578,053$7,718,935▲ $140,882
Accounts Payable and Accrued Expenses$798$3,494▲ $2,696
Total Liabilities$7,578,851$7,722,429▲ $143,578
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,118,346$989,561▼ $128,785
Total Liabilities and Net Assets / Fund Balance$8,697,197$8,711,990▲ $14,793

Asset Categories

AssetBook ValueDepreciationBasis
Investment Program Related Org$4,859--
Buildings$87,908$0$0
Other Land Buildings$52,803$0$0
Land$0-$0
Equipment$0$0$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay38th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Beverly AlwellManagerFT$50,000$50,000

Board Members and Trustees

NameTitle
Betty PellerinBoard of Directors
Cathy AlwellBoard of Directors
Danny IvieBoard of Directors
Dennis VicknairBoard of Directors
Gary SealBoard of Directors
Richard RobinetteBoard of Directors
Roy MaysBoard of Directors
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$148,795
Investment Income
$47,117
Other Revenue
$24,685
Change in Net Assets
$-111,129
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$184,921
Salaries, Compensation, and Employee Benefits$146,805
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$146,805
Office Expenses---$111,578
Occupancy---$18,953
Other Expenses---$12,687
Advertising---$9,863
Interest---$7,566
Fees for Services Other---$6,182
Travel---$444
Total Functional Expenses$0$0$0$331,726
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
Acct 657$6,264,556
Acct 902 Share Drafts$865,263
Acct 906C IRA / Keogh Accounts$464,387
Acct 630 All Other Shares$124,729
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Credit union members are the owners of the credit union A member joins for a nominal fee, and can be a member for life. Each member has one single vote, regardless of amount of funds on deposit or loans made.”

Form 990, Part VI, Section A, Line 7A

“The Board of Directors has its members voted upon by the Credit Union's general membership at its annual meeting. Any member of legal age is eligible to run for elective office on the Board.”

Form 990, Part VI, Section B, Line 11B

“The credit union's auditor prepares Form 990. It is submitted for review to the Board of Directors, the Supervisory Audit Committee, the Manager, and senior management, before being filed electronically with the IRS.”

Form 990, Part VI, Section B, Line 15

“The Board of Directors reviews and approves the Manager's annual compensation. This review evaluates job performance, goals met, and a survey of salary and benefits paid by comparable credit unions to their managers. The BOD approves a calendar budget, which includes salaries and wages. The manager supervises subordinates, and sets salary schedules for different positions, based upon job responsibilities.”

Form 990, Part VI, Section C, Line 19

“A written request must be submitted to the governing Board of Directors for copies of its governing documents, policies, and financial statements. The BOD reviews this request, and solicits input from the Supervisory Audit Committee, senior management, legal counsel, and, in some instances, its regulator. Assuming all privacy concerns are adequately addressed, the requested information is provided.”

Filing and Contact Details

Filer

Filer Name
River Cities Credit Union
EIN
72-0364564
Phone
3184450113
Address
1767 Jackson Street, Alexandria, LA 71301

Signing Officer

Name
Beverly Alwell
Title
Manager
Phone
3184450113
Signed
2015-11-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Beverly Alwell
Formed
1936
Legal Domicile
La
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
10

Preparer

Firm
TaxSmart LLC
Address
P O Box 83777, Baton Rouge, LA 70884
Preparer
R James Ray
Phone
2259077041
Raw XML Appendix385 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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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt052803
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0865263
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt16264556
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2464387
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3124729
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Acct 902 Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Acct 657
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Acct 906C IRA / Keogh Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3Acct 630 All Other Shares
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0140711
IRS990ScheduleD/TotalBookValueProgramRltdAmt04559586
IRS990ScheduleD/TotalLiabilityAmt07718935
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit union members are the owners of the credit union A member joins for a nominal fee, and can be a member for life. Each member has one single vote, regardless of amount of funds on deposit or loans made.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors has its members voted upon by the Credit Union's general membership at its annual meeting. Any member of legal age is eligible to run for elective office on the Board.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The credit union's auditor prepares Form 990. It is submitted for review to the Board of Directors, the Supervisory Audit Committee, the Manager, and senior management, before being filed electronically with the IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The Board of Directors reviews and approves the Manager's annual compensation. This review evaluates job performance, goals met, and a survey of salary and benefits paid by comparable credit unions to their managers. The BOD approves a calendar budget, which includes salaries and wages. The manager supervises subordinates, and sets salary schedules for different positions, based upon job responsibilities.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4A written request must be submitted to the governing Board of Directors for copies of its governing documents, policies, and financial statements. The BOD reviews this request, and solicits input from the Supervisory Audit Committee, senior management, legal counsel, and, in some instances, its regulator. Assuming all privacy concerns are adequately addressed, the requested information is provided.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt08697197
IRS990/TotalAssetsEOYAmt08711990
IRS990/TotalAssetsGrp/BOYAmt08697197
IRS990/TotalAssetsGrp/EOYAmt08711990
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0331726
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt07578851
IRS990/TotalLiabilitiesEOYAmt07722429
IRS990/TotalLiabilitiesGrp/BOYAmt07578851
IRS990/TotalLiabilitiesGrp/EOYAmt07722429
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01118346
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0989561
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalProgramServiceExpensesAmt0331726
IRS990/TotalProgramServiceRevenueAmt0148795
IRS990/TotalReportableCompFromOrgAmt050000
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0220597
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0220597
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt08697197
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08711990
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt0444
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01767 Jackson Street
IRS990/USAddress/CityNm0Alexandria
IRS990/USAddress/StateAbbreviationCd0LA
IRS990/USAddress/ZIPCd071301
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0www.netit.financial-net.com/atcu/cgi-bin/ebs
IRS990/WhistleblowerPolicyInd00
ReasonableCauseExplanation/ExplanationTxt0Form 990 filing was timely extended to 11-15-15. Since 11-15-15 fell on a Sunday, deadline is extended to next business day: Monday, 11-16-15.
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Beverly Alwell
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/PhoneNum03184450113
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0River Cities Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0RIVE
ReturnHeader/Filer/EIN0720364564
ReturnHeader/Filer/PhoneNum03184450113
ReturnHeader/Filer/USAddress/AddressLine1Txt01767 Jackson Street
ReturnHeader/Filer/USAddress/CityNm0Alexandria
ReturnHeader/Filer/USAddress/StateAbbreviationCd0LA
ReturnHeader/Filer/USAddress/ZIPCd071301
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0710916855
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0TaxSmart LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0P O Box 83777
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Baton Rouge
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0LA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd070884
ReturnHeader/PreparerPersonGrp/PhoneNum02259077041
ReturnHeader/PreparerPersonGrp/PreparationDt02015-11-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0R James Ray
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02015-11-16T17:28:09-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02014-01-01
ReturnHeader/TaxPeriodEndDt02014-12-31
ReturnHeader/TaxYr02014

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