Civic Intelligence

Rio Grande Valley Credit Union

EIN 74-1367995 • 501(c)14 • Harlingen, TX

View Organization Page

Profile

To be the primary source for financial services and financial education for our members.

1221 Morgan BlvdHarlingen, TX 78550

www.rgvcu.coop

Siviq Scores

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

Liabilities / Assets

54th percentile

0.90x

Higher debt load relative to assets than 54% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Liabilities / Revenue

53rd percentile

15.41x

Higher debt load relative to revenue than 53% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Net Margin

78th percentile

20%

Higher net margin than 78% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Top Officer Pay

34th percentile

$202,661

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2024

Asset Growth

58th percentile

3.8%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Revenue Growth

72nd percentile

18%

Faster revenue growth than 72% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$155,688,405

Up $5,630,868 (+3.8%) from 2023

Liabilities

Up

$139,342,865

Up $3,837,181 (+2.8%) from 2023

Net Assets

Up

$16,345,540

Up $1,793,687 (+12%) from 2023

Operations
Liabilities / Revenue53rd percentileNet Margin78th percentile

Revenue

Up

$9,041,839

Up $1,403,006 (+18%) from 2023

Expenses

Up

$7,248,152

Up $2,134,670 (+42%) from 2023

Net Income

Down

$1,793,687

Down $731,664 (-29%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

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

$200M$150M$100M$50M$0Assets 2010: $58,678,388Liabilities 2010: $51,373,165Net Assets 2010: $7,305,2232010Assets 2011: $68,503,224Liabilities 2011: $61,162,636Net Assets 2011: $7,340,5882011Assets 2012: $72,099,331Liabilities 2012: $64,499,084Net Assets 2012: $7,600,2472012Assets 2013: $74,416,770Liabilities 2013: $66,646,486Net Assets 2013: $7,770,2842013Assets 2014: $78,065,481Liabilities 2014: $70,070,390Net Assets 2014: $7,995,0912014Assets 2015: $84,753,857Liabilities 2015: $76,574,146Net Assets 2015: $8,179,7112015Assets 2016: $88,993,793Liabilities 2016: $80,418,619Net Assets 2016: $8,575,1742016Assets 2017: $95,460,018Liabilities 2017: $86,623,422Net Assets 2017: $8,836,5962017Assets 2018: $99,449,177Liabilities 2018: $90,213,981Net Assets 2018: $9,235,1962018Assets 2019: $109,895,880Liabilities 2019: $99,465,238Net Assets 2019: $10,430,6422019Assets 2020: $132,629,206Liabilities 2020: $121,980,087Net Assets 2020: $10,649,1192020Assets 2021: $152,342,621Liabilities 2021: $141,214,709Net Assets 2021: $11,127,9122021Assets 2022: $155,717,321Liabilities 2022: $143,690,819Net Assets 2022: $12,026,5022022Assets 2023: $150,057,537Liabilities 2023: $135,505,684Net Assets 2023: $14,551,8532023Assets 2024: $155,688,405Liabilities 2024: $139,342,865Net Assets 2024: $16,345,5402024

Highlighted filing

2024

Assets$155,688,405
Liabilities$139,342,865
Net Assets$16,345,540
Open 2024 Filing

Operations Trend

Revenue Growth72nd percentile

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

$10M$5.0M$0Expenses 2010: $3,457,0602010Expenses 2011: $3,470,4092011Expenses 2012: $3,281,6882012Revenue 2013: $3,494,268Expenses 2013: $3,238,550Net Income 2013: $255,7182013Revenue 2014: $3,540,123Expenses 2014: $3,325,172Net Income 2014: $214,9512014Revenue 2015: $3,644,199Expenses 2015: $3,460,915Net Income 2015: $183,2842015Revenue 2016: $4,010,183Expenses 2016: $3,614,720Net Income 2016: $395,4632016Revenue 2017: $3,871,241Expenses 2017: $3,609,819Net Income 2017: $261,4222017Revenue 2018: $4,452,285Expenses 2018: $4,053,685Net Income 2018: $398,6002018Revenue 2019: $4,868,881Expenses 2019: $4,029,028Net Income 2019: $839,8532019Revenue 2020: $4,715,040Expenses 2020: $4,496,563Net Income 2020: $218,4772020Revenue 2021: $4,865,424Expenses 2021: $4,386,631Net Income 2021: $478,7932021Revenue 2022: $5,787,054Expenses 2022: $4,888,464Net Income 2022: $898,5902022Revenue 2023: $7,638,833Expenses 2023: $5,113,482Net Income 2023: $2,525,3512023Revenue 2024: $9,041,839Expenses 2024: $7,248,152Net Income 2024: $1,793,6872024

Highlighted filing

2024

Revenue$9,041,839
Expenses$7,248,152
Net Income$1,793,687
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$155,688,405
Liabilities
$139,342,865
Net assets
$16,345,540
Revenue
$9,041,839
Expenses
$7,248,152
Net income
$1,793,687
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$156$139$16.3$9.04$7.25$1.79
2023Detailed filing. Detailed filing data is available for this year.$150$136$14.6$7.64$5.11$2.53
2022Detailed filing. Detailed filing data is available for this year.$156$144$12.0$5.79$4.89$0.90
2021Detailed filing. Detailed filing data is available for this year.$152$141$11.1$4.87$4.39$0.48
2020Detailed filing. Detailed filing data is available for this year.$133$122$10.6$4.72$4.50$0.22
2019Detailed filing. Detailed filing data is available for this year.$110$99.5$10.4$4.87$4.03$0.84
2018Detailed filing. Detailed filing data is available for this year.$99.4$90.2$9.24$4.45$4.05$0.40
2017Detailed filing. Detailed filing data is available for this year.$95.5$86.6$8.84$3.87$3.61$0.26
2016Detailed filing. Detailed filing data is available for this year.$89.0$80.4$8.58$4.01$3.61$0.40
2015Detailed filing. Detailed filing data is available for this year.$84.8$76.6$8.18$3.64$3.46$0.18
2014Detailed filing. Detailed filing data is available for this year.$78.1$70.1$8.00$3.54$3.33$0.21
2013Summary only. Only limited summary data is available for this year.$74.4$66.6$7.77$3.49$3.24$0.26
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$72.1$64.5$7.60$3.28
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.5$61.2$7.34$3.47
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$58.7$51.4$7.31$3.46
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 17, 2025
Return Version
2024v5.1
Gross Receipts
$9,131,657
Mission and Program Overview

Mission

To provide savings and borrowing services to members of rio grande valley credit union.

The mission of rio grande valley (rgv) credit union is "your financial helping hand".

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$85,280,811$77,219,899▼ $8,060,912
Investments Other Securities$41,425,038$43,844,156▲ $2,419,118
Cash and Non-Interest-Bearing Accounts$15,838,697$27,363,806▲ $11,525,109
Rtn Earn Endowment Incm Other Fnds$14,551,853$16,345,540▲ $1,793,687
Land, Buildings, and Equipment, Net$4,825,955$4,450,551▼ $375,404
Prepaid Expenses and Deferred Charges$234,177$749,502▲ $515,325
Accounts Receivable$825,895$360,919▼ $464,976
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$150,057,537$155,688,405▲ $5,630,868
Other Assets Total$1,626,964$1,699,572▲ $72,608
Liabilities
Other Liabilities$132,488,653$137,498,583▲ $5,009,930
Accounts Payable and Accrued Expenses$3,017,031$1,844,282▼ $1,172,749
Total Liabilities$135,505,684$139,342,865▲ $3,837,181
Net Assets / Fund Balance
Total Net Assets Fund Balance$14,551,853$16,345,540▲ $1,793,687
Total Liabilities and Net Assets / Fund Balance$150,057,537$155,688,405▲ $5,630,868

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$3,697,816$2,593,265$6,291,081
Equipment$326,234$903,914$1,230,148
Land$426,501-$426,501
Other Securities$13,395,000--
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Sherilyn GoadCEOFT$127,913$74,748$202,661
Nancy RennekerExecutive VPFT$107,878$30,141$138,019

Board Members and Trustees

NameTitle
David JonesChairman
Joe MontemayorVice Chairman
Carl LeathermanBoard Director
Elizandro MunizBoard Director
Emma MccallBoard Director
Jim CoffmanBoard Director
Chad E BenderBoard Member
Elizabeth MartinezFormer Board Director
Joyce BeattieSecretary
Imelda HernandezTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Cu AnswersCore Data Processor6000 28TH STREET SE STE100, Grand Rapids, MI 49546$516,187
Cornerstone Advisors Of AzContract NegotiationsPO BOX 915505, Longwood, FL 32791$433,509
Innovative Communication SystemsIt10430 GULFDALE STREET, San Antonio, TX 78216$164,090
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$6,835,265
Investment Income
$2,206,574
Other Revenue
$0
Change in Net Assets
$1,793,687
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$4,202,880
Salaries, Compensation, and Employee Benefits$3,030,612
Grants and Similar Amounts Paid$14,660
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$2,072,298
Office Expenses---$1,530,782
Occupancy---$427,208
Information Technology---$382,008
Current Officers, Directors, Trustees, and Key Employees---$340,680
Other Employee Benefits---$249,353
Fees for Services Other---$197,072
Depreciation Depletion---$194,938
Pension Plan Contributions---$184,778
Payroll Taxes---$183,503
Insurance---$60,710
All Other Expenses---$51,232
Advertising---$44,279
Other Expenses---$31,331
Travel---$22,699
Fees for Services Accounting---$16,800
Grants to Domestic Orgs---$7,660
Grants to Domestic Individuals---$7,000
Fees for Services Legal---$4,067
Total Functional Expenses$0$0$0$7,248,152
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
Yes
Subject to proxy tax
No

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$1,834
Total Exempt Function Spending$1,834
Section 527 Activity Spending$0

Section 527 Organizations

OrganizationLocationAmount
75-0603700Plano, TX$0
23-7065623Washington, DC$0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$137,498,583
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Rio grande valley credit union has members as specified in its bylaws.”

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

“Rio grande valley credit union members have the power to elect the members of the governing body.”

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

“Rio grande valley credit union members have the power to elect and remove members of the governing body.”

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

“Form 990 is reviewed by the chief executive officer and a copy is provided to the board prior to filing with the internal revenue service. Form 990 is formally presented to the board of directors at their monthly meeting immediately following the submission of form 990.”

Form 990, Part VI, Section B, Line 15A

“Rio grande valley credit union hires a third party to evaluate the chief executive officer's performance over a 12-month period. A compensation scale comparable to other qualified persons who are functioning in a similar level or position is presented to the board of directors. The report includes a description of how the data was gathered and compared to similar organizations, the review period, and the chief executive officer's overall performance rating. The governing body will then review and approve the merit increase for the chief executive officer. The governing body contemporaneously documents the decision in the board minutes. This process last occurred in 2024.”

Form 990, Part VI, Section C, Line 19

“Rio grande valley (rgv) credit union makes its governing documents and unaudited financial statements available to the public upon request in the same time and manner as other disclosures required under internal revenue code section 6104. Rgv credit union does not have a separate conflict of interest policy.”

Filing and Contact Details

Filer

Filer Name
Rio Grande Valley Credit Union
EIN
74-1367995
Phone
9564235792
Address
1221 MORGAN BLVD, HARLINGEN, TX 78550
Doing Business As
Rgv Credit Union

Signing Officer

Name
Sherilyn Goad
Title
CEO
Phone
9564235792
Signed
2025-06-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Sherilyn Goad
Formed
1954
Legal Domicile
TX
Voting Board Members
9
Independent Board Members
9
Employees
55
Volunteers
17

Preparer

Firm
Rsm US Llp
Address
4650 EAST 53RD STREET, DAVENPORT, IA 52807-3479
Preparer
Jenifer L Chase
Phone
5638884000
Raw XML AppendixShowing 400 of 473 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/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/TitleTxt0SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6FORMER BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9BOARD DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt11EXECUTIVE VP
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/Form990TFiledInd01
IRS990/FormationYr01954
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0238451
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt07000
IRS990/GrantsToDomesticOrgsGrp/TotalAmt07660
IRS990/GrantsToIndividualsInd01
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt0328269
IRS990/GrossReceiptsAmt09131657
IRS990/GroupExemptionNum02742
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0382008
IRS990/InsuranceGrp/TotalAmt060710
IRS990/InvestmentIncomeGrp/ExclusionAmt01968123
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt01968123
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt041425038
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt043844156
IRS990/IRPDocumentCnt02288
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt03497179
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04825955
IRS990/LandBldgEquipBasisNetGrp/EOYAmt04450551
IRS990/LandBldgEquipCostOrOtherBssAmt07947730
IRS990/LegalDomicileStateCd0TX
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt089818
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO BE THE PRIMARY SOURCE FOR FINANCIAL SERVICES AND FINANCIAL EDUCATION FOR OUR MEMBERS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt014551853
IRS990/NetAssetsOrFundBalancesEOYAmt016345540
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0238451
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0238451
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0427208
IRS990/OfficeExpensesGrp/TotalAmt01530782
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01626964
IRS990/OtherAssetsTotalGrp/EOYAmt01699572
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0249353
IRS990/OtherExpensesGrp/Desc0DIVIDENDS PAID TO MEMBE
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2LOAN SERVICING
IRS990/OtherExpensesGrp/Desc3DUES
IRS990/OtherExpensesGrp/TotalAmt0858888
IRS990/OtherExpensesGrp/TotalAmt1292907
IRS990/OtherExpensesGrp/TotalAmt287959
IRS990/OtherExpensesGrp/TotalAmt331331
IRS990/OtherLiabilitiesGrp/BOYAmt0132488653
IRS990/OtherLiabilitiesGrp/EOYAmt0137498583
IRS990/OtherSalariesAndWagesGrp/TotalAmt02072298
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt085280811
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt077219899
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0183503
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt0184778
IRS990/PoliticalCampaignActyInd01
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0234177
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0749502
IRS990/PrincipalOfficerNm0SHERILYN GOAD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER OPERATING INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt04260164
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt12269248
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2235586
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt04260164
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt12336515
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2238586
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt067267
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt13000
IRS990/ProgSrvcAccomActy2Grp/Desc0LOANS: RIO GRANDE VALLEY CREDIT UNION PROVIDES MEMBERS WITH AFFORDABLE LOANS FOR THE PURCHASE OF A VEHICLE OR A RECREATIONAL VEHICLE, SUCH AS MOTORCYCLES, BOATS, ETC. CREDIT LIFE AND DISABILITY, GAP AND EXTENDED WARRANTIES ARE ALSO AVAILABLE ON ANY OF THESE PRODUCTS. ALSO, MORTGAGE LOANS ARE AVAILABLE THROUGH A THIRD PARTY PROCESSOR.
IRS990/ProgSrvcAccomActy3Grp/Desc0SAVINGS ACCOUNTS: RIO GRANDE VALLEY CREDIT UNION SAVINGS ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. DIVIDENDS ARE PAID OUT QUARTERLY AND MEMBERS CAN ACCESS THEIR ACCOUNTS VIA THE INTERNET, ATM, BY PHONE, OR THROUGH HOME BANKING.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt015460
IRS990/PYInvestmentIncomeAmt01097143
IRS990/PYOtherExpensesAmt02224878
IRS990/PYOtherRevenueAmt0963250
IRS990/PYProgramServiceRevenueAmt05578440
IRS990/PYRevenuesLessExpensesAmt02525351
IRS990/PYSalariesCompEmpBnftPaidAmt02873144
IRS990/PYTotalExpensesAmt05113482
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt07638833
IRS990/ReconcilationRevenueExpnssAmt01793687
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt014551853
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt016345540
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/Expended527ActivitiesAmt00
IRS990ScheduleC/Form1120POLFiledInd01
IRS990ScheduleC/InternalFundsContributedAmt01834
IRS990ScheduleC/PoliticalExpendituresAmt01834
IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt0917
IRS990ScheduleC/Section527PoliticalOrgGrp/ContributionsRcvdDlvrAmt1917
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN0750603700
IRS990ScheduleC/Section527PoliticalOrgGrp/EIN1237065623
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt0CORNERSTONE CU LEAGUE
IRS990ScheduleC/Section527PoliticalOrgGrp/OrganizationBusinessName/BusinessNameLine1Txt1CREDIT UNION NATIONAL ASSOCIATION INC
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt00
IRS990ScheduleC/Section527PoliticalOrgGrp/PaidInternalFundsAmt10
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt06801 PARKWOOD BLVD SUITE 300
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/AddressLine1Txt199 M STREET SE 300
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm0PLANO
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/CityNm1WASHINGTON
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd0TX
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/StateAbbreviationCd1DC
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd075024
IRS990ScheduleC/Section527PoliticalOrgGrp/USAddress/ZIPCd120003
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0RIO GRANDE VALLEY CREDIT UNION RECEIVES FUNDS FROM EMPLOYEES AND PROMPTLY AND DIRECTLY DELIVERS FUNDS TO CORNERSTONE CU LEAGUE AND CUNA TO SUPPORT POLITICAL ACTION COMMITTEES PROMOTING CREDIT UNION CAUSES.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/TotalExemptFunctionExpendAmt01834
IRS990ScheduleD/BuildingsGrp/BookValueAmt03697816
IRS990ScheduleD/BuildingsGrp/DepreciationAmt02593265
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt06291081
IRS990ScheduleD/EquipmentGrp/BookValueAmt0326234
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0903914
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01230148
IRS990ScheduleD/LandGrp/BookValueAmt0426501
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0426501
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0137498583
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt029418053
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1492284
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2538819
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt313395000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0MORTGAGE BACKED SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1DEPOSITS IN BANKS & S&LS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2INVESTMENTS IN CORPORATE CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc3SIMPLI CD'S
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt04450551
IRS990ScheduleD/TotalBookValueSecuritiesAmt043844156
IRS990ScheduleD/TotalLiabilityAmt0137498583
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/CashGrantAmt07000
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/GrantTypeTxt0SCHOLARSHIP ASSISTANCE
IRS990ScheduleI/GrantsOtherAsstToIndivInUSGrp/RecipientCnt04
IRS990ScheduleI/SupplementalInformationDetail/ExplanationTxt0RIO GRANDE VALLEY CREDIT UNION ISSUES SCHOLARSHIP FUNDS DIRECTLY TO INDIVIDUALS TO BE USED FOR SCHOOL EXPENSES AT THE RECIPIENT'S DISCRETION.
IRS990ScheduleI/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I, LINE 2:
IRS990ScheduleI/Total501c3OrgCnt00
IRS990ScheduleI/TotalOtherOrgCnt00
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/IndependentConsultantInd0X
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0127913
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount016250
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt016951
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt029186
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt012361
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0SHERILYN GOAD
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0202661
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0RIO GRANDE VALLEY CREDIT UNION HAS MEMBERS AS SPECIFIED IN ITS BYLAWS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1RIO GRANDE VALLEY CREDIT UNION MEMBERS HAVE THE POWER TO ELECT THE MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2RIO GRANDE VALLEY CREDIT UNION MEMBERS HAVE THE POWER TO ELECT AND REMOVE MEMBERS OF THE GOVERNING BODY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS REVIEWED BY THE CHIEF EXECUTIVE OFFICER AND A COPY IS PROVIDED TO THE BOARD PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE. FORM 990 IS FORMALLY PRESENTED TO THE BOARD OF DIRECTORS AT THEIR MONTHLY MEETING IMMEDIATELY FOLLOWING THE SUBMISSION OF FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4RIO GRANDE VALLEY CREDIT UNION HIRES A THIRD PARTY TO EVALUATE THE CHIEF EXECUTIVE OFFICER'S PERFORMANCE OVER A 12-MONTH PERIOD. A COMPENSATION SCALE COMPARABLE TO OTHER QUALIFIED PERSONS WHO ARE FUNCTIONING IN A SIMILAR LEVEL OR POSITION IS PRESENTED TO THE BOARD OF DIRECTORS. THE REPORT INCLUDES A DESCRIPTION OF HOW THE DATA WAS GATHERED AND COMPARED TO SIMILAR ORGANIZATIONS, THE REVIEW PERIOD, AND THE CHIEF EXECUTIVE OFFICER'S OVERALL PERFORMANCE RATING. THE GOVERNING BODY WILL THEN REVIEW AND APPROVE THE MERIT INCREASE FOR THE CHIEF EXECUTIVE OFFICER. THE GOVERNING BODY CONTEMPORANEOUSLY DOCUMENTS THE DECISION IN THE BOARD MINUTES. THIS PROCESS LAST OCCURRED IN 2024.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5RIO GRANDE VALLEY (RGV) CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND UNAUDITED FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST IN THE SAME TIME AND MANNER AS OTHER DISCLOSURES REQUIRED UNDER INTERNAL REVENUE CODE SECTION 6104. RGV CREDIT UNION DOES NOT HAVE A SEPARATE CONFLICT OF INTEREST POLICY.
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 A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00

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