Civic Intelligence

El Reno Ril Credit Union

990 • Fiscal year 2013 • EIN 73-0228850

Jan 01, 2013 to Dec 31, 2013 • Filed on May 09, 2014

Organization Profilewww.rockislandcu.com
320 S Rock Island73036

(405) 262-1463

Siviq Scores

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

Liabilities / Assets

95th percentile

0.93x

Higher debt load relative to assets than 95% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

97th percentile

33.96x

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

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

44th percentile

5.1%

Higher net margin than 44% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

32nd percentile

$80,549

Higher top officer pay than 32% of similar nonprofits.

Top officer pay equals 6.5% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

83rd percentile

5.9%

Faster asset growth than 83% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

28th percentile

-4.4%

Faster revenue growth than 28% of similar nonprofits.

2013 filings • $25M-$50M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$45,164,191

Up $2,523,198 (+5.9%) from 2012

Net Assets

Up

$3,290,776

Up $62,908 (+1.9%) from 2012

Liabilities

Up

$41,873,415

Up $2,460,290 (+6.2%) from 2012

Revenue And Expenses
Liabilities / Revenue97th percentileNet Margin44th percentile

Revenue

$1,233,127

No earlier filing loaded for comparison.

Expenses

Down

$1,170,221

Down $14,369 (-1.2%) from 2012

Net Income

$62,906

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

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

$60M$40M$20M$0Assets 2010: $37,061,490Liabilities 2010: $33,891,540Net Assets 2010: $3,169,9502010Assets 2011: $41,429,255Liabilities 2011: $38,240,470Net Assets 2011: $3,188,7852011Assets 2012: $42,640,993Liabilities 2012: $39,413,125Net Assets 2012: $3,227,8682012Assets 2013: $45,164,191Liabilities 2013: $41,873,415Net Assets 2013: $3,290,7762013Assets 2014: $45,071,156Liabilities 2014: $41,647,779Net Assets 2014: $3,423,3772014Assets 2015: $44,255,253Liabilities 2015: $40,594,046Net Assets 2015: $3,661,2072015Assets 2016: $45,178,634Liabilities 2016: $41,379,762Net Assets 2016: $3,798,8722016Assets 2017: $46,735,996Liabilities 2017: $42,709,026Net Assets 2017: $4,026,9702017Assets 2018: $45,429,415Liabilities 2018: $41,187,943Net Assets 2018: $4,241,4722018Assets 2019: $48,373,239Liabilities 2019: $43,605,534Net Assets 2019: $4,767,7052019Assets 2020: $47,374,093Liabilities 2020: $42,066,501Net Assets 2020: $5,307,5922020Assets 2021: $48,341,206Liabilities 2021: $43,078,585Net Assets 2021: $5,262,6212021Assets 2022: $45,921,471Liabilities 2022: $41,396,493Net Assets 2022: $4,524,9782022Assets 2023: $40,156,859Liabilities 2023: $35,371,757Net Assets 2023: $4,785,1022023Assets 2024: $36,499,162Liabilities 2024: $32,936,497Net Assets 2024: $3,562,6652024

Highlighted filing

2013

Assets$45,164,191
Liabilities$41,873,415
Net Assets$3,290,776
Open 2013 Filing

Operations Trend

Revenue Growth28th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$4.0M$2.0M$0-$2.0MExpenses 2010: $1,631,4982010Revenue 2011: $1,348,327Expenses 2011: $1,329,492Net Income 2011: $18,8352011Expenses 2012: $1,184,5902012Revenue 2013: $1,233,127Expenses 2013: $1,170,221Net Income 2013: $62,9062013Revenue 2014: $1,279,906Expenses 2014: $1,147,305Net Income 2014: $132,6012014Revenue 2015: $1,327,586Expenses 2015: $1,068,897Net Income 2015: $258,6892015Revenue 2016: $1,296,824Expenses 2016: $1,146,959Net Income 2016: $149,8652016Revenue 2017: $1,379,983Expenses 2017: $1,077,031Net Income 2017: $302,9522017Revenue 2018: $1,547,007Expenses 2018: $1,239,487Net Income 2018: $307,5202018Revenue 2019: $1,651,965Expenses 2019: $1,327,974Net Income 2019: $323,9912019Revenue 2020: $1,546,918Expenses 2020: $1,252,229Net Income 2020: $294,6892020Revenue 2021: $1,302,472Expenses 2021: $1,149,047Net Income 2021: $153,4252021Revenue 2022: $1,137,857Expenses 2022: $1,173,335Net Income 2022: -$35,4782022Revenue 2023: $1,815,731Expenses 2023: $1,586,576Net Income 2023: $229,1552023Revenue 2024: $2,026,540Expenses 2024: $3,327,569Net Income 2024: -$1,301,0292024

Highlighted filing

2013

Revenue$1,233,127
Expenses$1,170,221
Net Income$62,906
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
May 9, 2014
Return Version
2013v3.1
Gross Receipts
$1,233,127
Mission and Program Overview

Mission

Provided and promoted thrift among the 4100 members of the credit union giving them the opportunity to accumulate savings and create for them a source of credit for provident and productive purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$21,212,000$22,341,000▲ $1,129,000
Accounts Receivable$11,896,876$10,759,894▼ $1,136,982
Investments Other Securities$3,733,291$9,038,457▲ $5,305,166
Cash and Non-Interest-Bearing Accounts$5,086,753$2,240,868▼ $2,845,885
Rtn Earn Endowment Incm Other Fnds$1,924,595$1,987,503▲ $62,908
Pd in Cap Srpls Land Bldg Eqp Fund$1,303,273$1,303,273→ $0
Land, Buildings, and Equipment, Net$170,568$197,352▲ $26,784
Prepaid Expenses and Deferred Charges$70,516$91,325▲ $20,809
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$42,640,993$45,164,191▲ $2,523,198
Other Assets Total$470,989$495,295▲ $24,306
Liabilities
Other Liabilities$39,356,764$41,860,841▲ $2,504,077
Accounts Payable and Accrued Expenses$56,361$12,574▼ $43,787
Total Liabilities$39,413,125$41,873,415▲ $2,460,290
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,227,868$3,290,776▲ $62,908
Total Liabilities and Net Assets / Fund Balance$42,640,993$45,164,191▲ $2,523,198

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$60,998$87,102-
Land$84,654--
Equipment$51,700$324,696-
Compensation and Service Providers
Top Officer Pay32nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Kelly WaggonerCEO/ManagerFT$80,549$80,549
Lynese ClementsAsst. ManagerFT$39,567$39,567

Board Members and Trustees

NameTitle
Bill K NuzumDirector
Bill LackeyDirector
James MooreDirector
Jeff JohnsonDirector
Jim BoundsDirector
Mark GallowayDirector
Newton TarverDirector
Patrick LitickerDirector
Robert McCrayDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$257,609
Program Service Revenue
$0
Investment Income
$975,518
Other Revenue
$0
Change in Net Assets
$62,906
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$448,274
Salaries, Compensation, and Employee Benefits$358,561
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$363,386
Office Expenses---$228,563
Other Salaries and Wages---$179,805
Current Officers, Directors, Trustees, and Key Employees---$120,116
Other Employee Benefits---$58,640
Occupancy---$42,117
All Other Expenses---$30,206
Other Expenses---$15,436
Travel---$2,385
Total Functional Expenses$0$0$0$1,170,221
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares & Deposits$41,860,841
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
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
No
Other officer compensation reviewed
No
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, Line 6: Explanation of Classes of Members or Shareholder

“El Reno RIL Credit Union is a member owned financial cooperative owned entirely by our members and operated exclusively for their benefit.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“Form 990 is reviewed by the Manager/CEO prior to filing.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“No documents available to the public.”

Filing and Contact Details

Filer

EIN
73-0228850
Phone
4052621463

Signing Officer

Name
Kelly Waggoner
Title
CEO/Manager
Signed
2014-05-09
Discuss with paid preparer
Yes

Organization Details

Formed
1934
Legal Domicile
Ok
Voting Board Members
9
Independent Board Members
0
Employees
13

Preparer

Preparer
Joe D Beller CPA
Phone
4056072943
Supplemental Narrative

Additional Explanations

Other Changes In Net Assets Or Fund Balances - Other Increases

“Rounding = $2”

Raw XML Appendix389 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/Form990PartVIISectionAGrp/TitleTxt10Asst. Manager
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IRS990/OtherExpensesGrp/Desc1Educational & Promotional Exp
IRS990/OtherExpensesGrp/Desc2Loan Loss Provision
IRS990/OtherExpensesGrp/Desc3Loan Servicing Expense
IRS990/OtherExpensesGrp/TotalAmt053328
IRS990/OtherExpensesGrp/TotalAmt147102
IRS990/OtherExpensesGrp/TotalAmt229137
IRS990/OtherExpensesGrp/TotalAmt315436
IRS990/OtherLiabilitiesGrp/BOYAmt039356764
IRS990/OtherLiabilitiesGrp/EOYAmt041860841
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0179805
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt01303273
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt01303273
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt070516
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt091325
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0434524
IRS990/PYContributionsGrantsAmt0233534
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0990139
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0400466
IRS990/PYRevenuesLessExpensesAmt039083
IRS990/PYSalariesCompEmpBnftPaidAmt0349600
IRS990/PYTotalExpensesAmt01184590
IRS990/PYTotalRevenueAmt01223673
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt062906
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01924595
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt01987503
IRS990/SavingsAndTempCashInvstGrp/BOYAmt021212000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt022341000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt060998
IRS990ScheduleD/BuildingsGrp/DepreciationAmt087102
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0148100
IRS990ScheduleD/EquipmentGrp/BookValueAmt051700
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0324696
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0376396
IRS990ScheduleD/LandGrp/BookValueAmt084654
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt084654
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt041860841
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares & Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0197352
IRS990ScheduleD/TotalBookValueSecuritiesAmt09038457
IRS990ScheduleD/TotalLiabilityAmt041860841
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0El Reno RIL Credit Union is a member owned financial cooperative owned entirely by our members and operated exclusively for their benefit.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Form 990 is reviewed by the Manager/CEO prior to filing.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2No documents available to the public.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Rounding = $2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Changes In Net Assets Or Fund Balances - Other Increases
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt042640993
IRS990/TotalAssetsEOYAmt045164191
IRS990/TotalAssetsGrp/BOYAmt042640993
IRS990/TotalAssetsGrp/EOYAmt045164191
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0257609
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01170221
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt039413125
IRS990/TotalLiabilitiesEOYAmt041873415
IRS990/TotalLiabilitiesGrp/BOYAmt039413125
IRS990/TotalLiabilitiesGrp/EOYAmt041873415
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03227868
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03290776
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt0120116
IRS990/TotalRevenueGrp/ExclusionAmt0975518
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01233127
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt042640993
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt045164191
IRS990/TransactionWithControlEntInd0false
IRS990/TravelGrp/TotalAmt02385
IRS990/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.rockislandcu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Kelly Waggoner
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/Manager
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-05-09
ReturnHeader/Filer/BusinessName/BusinessNameLine10El Reno RIL Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0ELRE
ReturnHeader/Filer/EIN0730228850
ReturnHeader/Filer/PhoneNum04052621463
ReturnHeader/Filer/USAddress/AddressLine10320 S Rock Island
ReturnHeader/Filer/USAddress/City0El Reno
ReturnHeader/Filer/USAddress/State0OK
ReturnHeader/Filer/USAddress/ZIPCode073036
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10JD BELLER AND COMPANY PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine102601 NW EXPRESSWAY STE 1105 WEST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0OKLAHOMA CITY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0OK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0731127272
ReturnHeader/PreparerPersonGrp/PhoneNum04056072943
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Joe D Beller CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02014-05-09T08:35:26-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$45,164,191
Liabilities
$41,873,415
Net assets
$3,290,776
Revenue
$1,233,127
Expenses
$1,170,221
Net income
$62,906
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.5$32.9$3.56$2.03$3.33$1.30
2023Summary only. Only limited summary data is available for this year.$40.2$35.4$4.79$1.82$1.59$0.23
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$45.9$41.4$4.52$1.14$1.17$0.04
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.3$43.1$5.26$1.30$1.15$0.15
2020Summary only. Only limited summary data is available for this year.$47.4$42.1$5.31$1.55$1.25$0.29
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.4$43.6$4.77$1.65$1.33$0.32
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.4$41.2$4.24$1.55$1.24$0.31
2017Summary only. Only limited summary data is available for this year.$46.7$42.7$4.03$1.38$1.08$0.30
2016Summary only. Only limited summary data is available for this year.$45.2$41.4$3.80$1.30$1.15$0.15
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$44.3$40.6$3.66$1.33$1.07$0.26
2014Summary only. Only limited summary data is available for this year.$45.1$41.6$3.42$1.28$1.15$0.13
2013Detailed filing. Detailed filing data is available for this year.$45.2$41.9$3.29$1.23$1.17$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$42.6$39.4$3.23$1.18
2011Summary only. Only limited summary data is available for this year.$41.4$38.2$3.19$1.35$1.33$0.02
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$37.1$33.9$3.17$1.63
Peer Organizations

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