Civic Intelligence

El Reno Ril Credit Union

990 • Fiscal year 2018 • EIN 73-0228850

Jan 01, 2018 to Dec 31, 2018 • Filed on Mar 12, 2019

Organization Profilewww.rockislandcu.com
320 S Rock IslandEl Reno, OK 73036

(405) 262-1463

Siviq Scores

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

Liabilities / Assets

83rd percentile

0.91x

Higher debt load relative to assets than 83% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Liabilities / Revenue

91st percentile

26.62x

Higher debt load relative to revenue than 91% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Net Margin

80th percentile

20%

Higher net margin than 80% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Top Officer Pay

17th percentile

$70,073

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 4.5% of source-year revenue.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2018

Asset Growth

18th percentile

-2.8%

Faster asset growth than 18% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Revenue Growth

64th percentile

12%

Faster revenue growth than 64% of similar nonprofits.

2018 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets83rd percentile

Assets

Down

$45,429,415

Down $1,306,581 (-2.8%) from 2017

Net Assets

Up

$4,241,472

Up $214,502 (+5.3%) from 2017

Liabilities

Down

$41,187,943

Down $1,521,083 (-3.6%) from 2017

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin80th percentile

Revenue

Up

$1,547,007

Up $167,024 (+12%) from 2017

Expenses

Up

$1,239,487

Up $162,456 (+15%) from 2017

Net Income

Up

$307,520

Up $4,568 (+1.5%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth18th 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

2018

Assets$45,429,415
Liabilities$41,187,943
Net Assets$4,241,472
Open 2018 Filing

Operations Trend

Revenue Growth64th 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

2018

Revenue$1,547,007
Expenses$1,239,487
Net Income$307,520
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Mar 12, 2019
Return Version
2018v3.1
Gross Receipts
$1,547,007
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$19,015,000$17,818,000▼ $1,197,000
Accounts Receivable$12,020,275$13,360,804▲ $1,340,529
Investments Other Securities$10,734,443$9,864,654▼ $869,789
Cash and Non-Interest-Bearing Accounts$4,243,930$3,578,571▼ $665,359
Rtn Earn Endowment Incm Other Fnds$2,723,697$2,938,199▲ $214,502
Pd in Cap Srpls Land Bldg Eqp Fund$1,303,273$1,303,273→ $0
Land, Buildings, and Equipment, Net$173,691$183,095▲ $9,404
Prepaid Expenses and Deferred Charges$60,389$115,361▲ $54,972
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$46,735,996$45,429,415▼ $1,306,581
Other Assets Total$488,268$508,930▲ $20,662
Liabilities
Other Liabilities$42,524,747$40,753,506▼ $1,771,241
Accounts Payable and Accrued Expenses$184,279$434,437▲ $250,158
Total Liabilities$42,709,026$41,187,943▼ $1,521,083
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,026,970$4,241,472▲ $214,502
Total Liabilities and Net Assets / Fund Balance$46,735,996$45,429,415▼ $1,306,581

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$60,791$117,973-
Land$84,654--
Equipment$37,650$389,368-
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michael SmithCEO/ManagerFT$70,073$70,073
Sharon DavisAsst. ManagerFT$46,706$46,706
Lynese ClementsAsst. ManagerFT$41,520$41,520

Board Members and Trustees

NameTitle
Mark GallawayChairman
Bill K NuzumDirector
Bill LackeyDirector
Fred KappusDirector
Fred WolfDirector
Garland DelkDirector
James MooreDirector
Jeffrey JohnsonDirector
Patrick LitickerDirector
Robert McCrayDirector
Sue SnyderDirector
Wesley BrowerDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$362,938
Program Service Revenue
$0
Investment Income
$1,184,069
Other Revenue
$0
Change in Net Assets
$307,520
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$618,694
Salaries, Compensation, and Employee Benefits$442,549
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$210,989
Other Salaries and Wages---$203,132
Benefits to Members---$178,244
Current Officers, Directors, Trustees, and Key Employees---$158,298
Other Employee Benefits---$81,119
Occupancy---$53,000
All Other Expenses---$51,087
Insurance---$32,732
Other Expenses---$27,025
Travel---$4,333
Total Functional Expenses$0$0$0$1,239,487
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
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$40,753,506
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

Filer Name
El Reno RIL Credit Union
EIN
73-0228850
Phone
4052621463
Address
320 S Rock Island, El Reno, OK 73036

Signing Officer

Name
Michael Smith
Title
CEO/Manager
Signed
2019-03-12
Discuss with paid preparer
Yes

Organization Details

Formed
1934
Legal Domicile
Ok
Voting Board Members
9
Independent Board Members
0
Employees
11

Preparer

Firm
Jd Beller and Company Pllc
Address
2601 NW EXPRESSWAY STE 1105 WEST, OKLAHOMA CITY, OK 73112-7272
Preparer
Joe D Beller CPA
Phone
4056072943
Raw XML AppendixShowing 400 of 422 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.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0184279
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0434437
IRS990/AccountsReceivableGrp/BOYAmt012020275
IRS990/AccountsReceivableGrp/EOYAmt013360804
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0Provided 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.
IRS990/AdvertisingGrp/TotalAmt00
IRS990/AllAffiliatesIncludedInd0false
IRS990/AllOtherExpensesGrp/TotalAmt051087
IRS990/AnnualDisclosureCoveredPrsnInd0false
IRS990/BackupWthldComplianceInd0true
IRS990/BenefitsToMembersGrp/TotalAmt0178244
IRS990/BooksInCareOfDetail/PersonNm0Michael Smith
IRS990/BooksInCareOfDetail/PhoneNum04052621463
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0320 S Rock Island
IRS990/BooksInCareOfDetail/USAddress/CityNm0El Reno
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0OK
IRS990/BooksInCareOfDetail/USAddress/ZIPCd073036
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt04243930
IRS990/CashNonInterestBearingGrp/EOYAmt03578571
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0158298
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt0178244
IRS990/CYContributionsGrantsAmt0362938
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01184069
IRS990/CYOtherExpensesAmt0618694
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt0307520
IRS990/CYSalariesCompEmpBnftPaidAmt0442549
IRS990/CYTotalExpensesAmt01239487
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01547007
IRS990/DAFExcessBusinessHoldingsInd0false
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0Provided 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.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DistributionToDonorInd0false
IRS990/DocumentRetentionPolicyInd0false
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EscrowAccountInd0false
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt110.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt120.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt130.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt111.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt131.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt141.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd12X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd13X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd14X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/PersonNm0Wesley Brower
IRS990/Form990PartVIISectionAGrp/PersonNm1James Moore
IRS990/Form990PartVIISectionAGrp/PersonNm2Bill K Nuzum
IRS990/Form990PartVIISectionAGrp/PersonNm3Fred Wolf
IRS990/Form990PartVIISectionAGrp/PersonNm4Robert McCray
IRS990/Form990PartVIISectionAGrp/PersonNm5Mark Gallaway
IRS990/Form990PartVIISectionAGrp/PersonNm6Bill Lackey
IRS990/Form990PartVIISectionAGrp/PersonNm7Lynese Clements
IRS990/Form990PartVIISectionAGrp/PersonNm8Patrick Liticker
IRS990/Form990PartVIISectionAGrp/PersonNm9Fred Kappus
IRS990/Form990PartVIISectionAGrp/PersonNm10Sharon Davis
IRS990/Form990PartVIISectionAGrp/PersonNm11Garland Delk
IRS990/Form990PartVIISectionAGrp/PersonNm12Michael Smith
IRS990/Form990PartVIISectionAGrp/PersonNm13Jeffrey Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm14Sue Snyder
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt741520
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1046706
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1270073
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0Director
IRS990/Form990PartVIISectionAGrp/TitleTxt1Director
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Asst. Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Asst. Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12CEO/Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt13Director
IRS990/Form990PartVIISectionAGrp/TitleTxt14Director
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0false
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01547007
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt00
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt032732
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt01184069
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01184069
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt010734443
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt09864654
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt013
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0507341
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0173691
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0183095
IRS990/LandBldgEquipCostOrOtherBssAmt0690436
IRS990/LegalDomicileStateCd0OK
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembershipDuesAmt0362938
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0Provided 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.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt04026970
IRS990/NetAssetsOrFundBalancesEOYAmt04241472
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt053000
IRS990/OfficeExpensesGrp/TotalAmt0210989
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0488268
IRS990/OtherAssetsTotalGrp/EOYAmt0508930
IRS990/OtherEmployeeBenefitsGrp/TotalAmt081119
IRS990/OtherExpensesGrp/Desc0Professional & Outside Service
IRS990/OtherExpensesGrp/Desc1Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc2Loan Loss Provision
IRS990/OtherExpensesGrp/Desc3State In Lieu Tax
IRS990/OtherExpensesGrp/TotalAmt0112633
IRS990/OtherExpensesGrp/TotalAmt171233
IRS990/OtherExpensesGrp/TotalAmt255662
IRS990/OtherExpensesGrp/TotalAmt327025
IRS990/OtherLiabilitiesGrp/BOYAmt042524747
IRS990/OtherLiabilitiesGrp/EOYAmt040753506
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0203132
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/BOYAmt060389
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0115361
IRS990/PriorPeriodAdjustmentsAmt0-93018
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0197426
IRS990/PYContributionsGrantsAmt0350536
IRS990/PYInvestmentIncomeAmt01029447
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0456810
IRS990/PYRevenuesLessExpensesAmt0302952
IRS990/PYSalariesCompEmpBnftPaidAmt0422795
IRS990/PYTotalExpensesAmt01077031
IRS990/PYTotalRevenueAmt01379983
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0307520
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0true
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02723697
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02938199
IRS990/SavingsAndTempCashInvstGrp/BOYAmt019015000
IRS990/SavingsAndTempCashInvstGrp/EOYAmt017818000
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt060791
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0117973
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt0178764
IRS990ScheduleD/EquipmentGrp/BookValueAmt037650
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0389368
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0427018
IRS990ScheduleD/LandGrp/BookValueAmt084654
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt084654
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt040753506
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Shares & Deposits
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0183095
IRS990ScheduleD/TotalBookValueSecuritiesAmt09864654
IRS990ScheduleD/TotalLiabilityAmt040753506
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/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
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt046735996
IRS990/TotalAssetsEOYAmt045429415
IRS990/TotalAssetsGrp/BOYAmt046735996
IRS990/TotalAssetsGrp/EOYAmt045429415
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt0362938
IRS990/TotalEmployeeCnt011
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01239487
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt042709026
IRS990/TotalLiabilitiesEOYAmt041187943
IRS990/TotalLiabilitiesGrp/BOYAmt042709026
IRS990/TotalLiabilitiesGrp/EOYAmt041187943
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt04026970
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt04241472
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt0158299
IRS990/TotalRevenueGrp/ExclusionAmt01184069
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01547007
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt046735996
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt045429415
IRS990/TravelGrp/TotalAmt04333
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0320 S Rock Island
IRS990/USAddress/CityNm0El Reno
IRS990/USAddress/StateAbbreviationCd0OK
IRS990/USAddress/ZIPCd073036
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt00
IRS990/WebsiteAddressTxt0www.rockislandcu.com
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Michael Smith
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/Manager
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-03-12

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$45,429,415
Liabilities
$41,187,943
Net assets
$4,241,472
Revenue
$1,547,007
Expenses
$1,239,487
Net income
$307,520
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
2018Detailed filing. Detailed filing data is available for this year.$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

Similar nonprofits based on the same Siviq industry and scale cohort. 2018 filings • 501(c)14 • $25M-$50M nonprofits