Civic Intelligence

Rio Grande Operating Credit Union

990 • Fiscal year 2013 • EIN 84-0188208

Jan 01, 2013 to Dec 31, 2013 • Filed on Apr 29, 2014

Organization ProfileWWW.RGOCU.ORG

View Organization Page

4593 Pecos St80211

(303) 477-3960

Siviq Scores

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

Liabilities / Assets

49th percentile

0.85x

Higher debt load relative to assets than 49% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Liabilities / Revenue

92nd percentile

32.47x

Higher debt load relative to revenue than 92% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Net Margin

9th percentile

-26%

Higher net margin than 9% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2013

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2013

Asset Growth

76th percentile

4.7%

Faster asset growth than 76% of similar nonprofits.

2013 filings • 501(c)14 • $5M-$10M nonprofits • Annualized from 2012 to 2013

Revenue Growth

19th percentile

-13%

Faster revenue growth than 19% of similar nonprofits.

2013 filings • $5M-$10M nonprofits • Annualized from 2011 to 2013

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$8,266,709

Up $368,897 (+4.7%) from 2012

Net Assets

Down

$1,220,233

Down $56,938 (-4.5%) from 2012

Liabilities

Up

$7,046,476

Up $425,835 (+6.4%) from 2012

Revenue And Expenses
Liabilities / Revenue92nd percentileNet Margin9th percentile

Revenue

$217,013

No earlier filing loaded for comparison.

Expenses

Down

$273,951

Down $25,503 (-8.5%) from 2012

Net Income

-$56,938

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth76th percentile

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

$10M$5.0M$0Assets 2010: $7,272,253Liabilities 2010: $5,901,803Net Assets 2010: $1,370,4502010Assets 2011: $7,201,923Liabilities 2011: $5,868,506Net Assets 2011: $1,333,4172011Assets 2012: $7,897,812Liabilities 2012: $6,620,641Net Assets 2012: $1,277,1712012Assets 2013: $8,266,709Liabilities 2013: $7,046,476Net Assets 2013: $1,220,2332013

Highlighted filing

2013

Assets$8,266,709
Liabilities$7,046,476
Net Assets$1,220,233
Open 2013 Filing

Operations Trend

Revenue Growth19th percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $415,6082010Revenue 2011: $283,958Expenses 2011: $320,991Net Income 2011: -$37,0332011Expenses 2012: $299,4542012Revenue 2013: $217,013Expenses 2013: $273,951Net Income 2013: -$56,9382013

Highlighted filing

2013

Revenue$217,013
Expenses$273,951
Net Income-$56,938
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Apr 29, 2014
Return Version
2013v3.1
Gross Receipts
$217,013
Mission and Program Overview

Mission

State chrtered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$4,915,986$5,416,167▲ $500,181
Other Notes and Loans Receivable, Net$2,722,509$2,595,263▼ $127,246
Rtn Earn Endowment Incm Other Fnds$824,144$767,206▼ $56,938
Pd in Cap Srpls Land Bldg Eqp Fund$453,027$453,027→ $0
Land, Buildings, and Equipment, Net$92,122$89,657▼ $2,465
Cash and Non-Interest-Bearing Accounts$77,167$68,844▼ $8,323
Accounts Receivable$9,415$9,697▲ $282
Prepaid Expenses and Deferred Charges$8,141$9,308▲ $1,167
Total Assets$7,897,812$8,266,709▲ $368,897
Other Assets Total$72,472$77,773▲ $5,301
Liabilities
Other Liabilities$6,603,234$7,028,026▲ $424,792
Accounts Payable and Accrued Expenses$17,407$18,450▲ $1,043
Total Liabilities$6,620,641$7,046,476▲ $425,835
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,277,171$1,220,233▼ $56,938
Total Liabilities and Net Assets / Fund Balance$7,897,812$8,266,709▲ $368,897

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$48,029$137,030$185,059
Equipment$1,628$59,161$60,789
Land$40,000-$40,000
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Cindera HaasBoard Member
Greg WardBoard Member
Leroy RomeBoard Member
Patrick D SullivanBoard Member
Ron VigilBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$188,537
Investment Income
$28,476
Other Revenue
$0
Change in Net Assets
$-56,938
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$143,789
Other Expenses$130,162
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$121,857
Office Expenses---$42,573
All Other Expenses---$15,271
Occupancy---$13,341
Other Employee Benefits---$10,374
Payroll Taxes---$10,321
Insurance---$9,462
Other Expenses---$7,163
Depreciation Depletion---$4,214
Fees for Services Accounting---$3,500
Advertising---$1,315
Pension Plan Contributions---$1,237
Fees for Services Legal---$636
Conferences and Meetings---$84
Total Functional Expenses$0$0$0$273,951
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
Member Deposits$7,028,026
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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, Page 6, Part VI, Line 6

“All depositors are considered members.”

Form 990, Page 6, Part VI, Line 7A

“The credit union members elect on an annual basis the members of the board of directors.”

Form 990, Page 6, Part VI, Line 7B

“Any proposed mergers must be approved by a majority of the membership.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors completes an employee evaluation on the ceo on an annual basis. The employee evaluation is discussed at the board meeting, a motion is made as to the level of compensation and then voted on by the board. The last evaluation was conducted in december 2013.”

Form 990, Page 6, Part VI, Line 19

“The monthly financial statements are posted in the lobby and are updated on a monthly basis. The governing documents are not made available to the general public.”

Filing and Contact Details

Filer

EIN
84-0188208
Phone
3034773960

Signing Officer

Name
Loretta Thomas
Title
Manager
Phone
3034773960
Signed
2014-04-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Loretta Thomas
Formed
1931
Legal Domicile
Co
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
8

Preparer

Preparer
Steven O Petersen
Phone
4023332800
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“N/A”

Form 990, Page 5, Part V, Line 3B

“The credit union provides financial services to its members. All income and expenses are deemed related to the overall objective of member services.”

Raw XML Appendix304 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/BOYAmt017407
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt018450
IRS990/AccountsReceivableGrp/BOYAmt09415
IRS990/AccountsReceivableGrp/EOYAmt09697
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0STATE CHRTERED CREDIT UNION
IRS990/AdvertisingGrp/TotalAmt01315
IRS990/AllOtherExpensesGrp/TotalAmt015271
IRS990/BooksInCareOfDetail/PersonNm0LORETTA J THOMAS
IRS990/BooksInCareOfDetail/PhoneNum03034773960
IRS990/BooksInCareOfDetail/USAddress/AddressLine104593 PECOS ST
IRS990/BooksInCareOfDetail/USAddress/City0DENVER
IRS990/BooksInCareOfDetail/USAddress/State0CO
IRS990/BooksInCareOfDetail/USAddress/ZIPCode080211
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt077167
IRS990/CashNonInterestBearingGrp/EOYAmt068844
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt084
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt028476
IRS990/CYOtherExpensesAmt0130162
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt0188537
IRS990/CYRevenuesLessExpensesAmt0-56938
IRS990/CYSalariesCompEmpBnftPaidAmt0143789
IRS990/CYTotalExpensesAmt0273951
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0217013
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt04214
IRS990/Desc0N/A
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt04
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt03500
IRS990/FeesForServicesLegalGrp/TotalAmt0636
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/PersonNm0LEROY ROME
IRS990/Form990PartVIISectionAGrp/PersonNm1PATRICK D SULLIVAN
IRS990/Form990PartVIISectionAGrp/PersonNm2GREG WARD
IRS990/Form990PartVIISectionAGrp/PersonNm3CINDERA HAAS
IRS990/Form990PartVIISectionAGrp/PersonNm4RON VIGIL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/TitleTxt0BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARD MEMBER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01931
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt0217013
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartVInd0X
IRS990/InsuranceGrp/TotalAmt09462
IRS990/InvestmentIncomeGrp/ExclusionAmt028476
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt028476
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt0198
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0196191
IRS990/LandBldgEquipBasisNetGrp/BOYAmt092122
IRS990/LandBldgEquipBasisNetGrp/EOYAmt089657
IRS990/LandBldgEquipCostOrOtherBssAmt0285848
IRS990/LegalDomicileStateCd0CO
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0STATE CHRTERED CREDIT UNION
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01277171
IRS990/NetAssetsOrFundBalancesEOYAmt01220233
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt013341
IRS990/OfficeExpensesGrp/TotalAmt042573
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt072472
IRS990/OtherAssetsTotalGrp/EOYAmt077773
IRS990/OtherEmployeeBenefitsGrp/TotalAmt010374
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1DIVIDEND EXPENSE
IRS990/OtherExpensesGrp/Desc2CREDIT CARD PROCESSING
IRS990/OtherExpensesGrp/Desc3PROFESSIONAL SERVICES
IRS990/OtherExpensesGrp/TotalAmt013428
IRS990/OtherExpensesGrp/TotalAmt19746
IRS990/OtherExpensesGrp/TotalAmt29429
IRS990/OtherExpensesGrp/TotalAmt37163
IRS990/OtherLiabilitiesGrp/BOYAmt06603234
IRS990/OtherLiabilitiesGrp/EOYAmt07028026
IRS990/OtherSalariesAndWagesGrp/TotalAmt0121857
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02722509
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02595263
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt010321
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt0453027
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt0453027
IRS990/PensionPlanContributionsGrp/TotalAmt01237
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt08141
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt09308
IRS990/PrincipalOfficerNm0LORETTA THOMAS
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2MISCELLANEOUS INCOME
IRS990/ProgramServiceRevenueGrp/ExclusionAmt0138306
IRS990/ProgramServiceRevenueGrp/ExclusionAmt142226
IRS990/ProgramServiceRevenueGrp/ExclusionAmt28005
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0138306
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt142226
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt28005
IRS990/ProgSrvcAccomActyOtherGrp/Desc0N/A
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt028960
IRS990/PYOtherExpensesAmt0150004
IRS990/PYProgramServiceRevenueAmt0214248
IRS990/PYRevenuesLessExpensesAmt0-56246
IRS990/PYSalariesCompEmpBnftPaidAmt0149450
IRS990/PYTotalExpensesAmt0299454
IRS990/PYTotalRevenueAmt0243208
IRS990/ReconcilationRevenueExpnssAmt0-56938
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0824144
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0767206
IRS990/SavingsAndTempCashInvstGrp/BOYAmt04915986
IRS990/SavingsAndTempCashInvstGrp/EOYAmt05416167
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt048029
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0137030
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0185059
IRS990ScheduleD/EquipmentGrp/BookValueAmt01628
IRS990ScheduleD/EquipmentGrp/DepreciationAmt059161
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt060789
IRS990ScheduleD/LandGrp/BookValueAmt040000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt040000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07028026
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt089657
IRS990ScheduleD/TotalLiabilityAmt07028026
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION PROVIDES FINANCIAL SERVICES TO ITS MEMBERS. ALL INCOME AND EXPENSES ARE DEEMED RELATED TO THE OVERALL OBJECTIVE OF MEMBER SERVICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL DEPOSITORS ARE CONSIDERED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION MEMBERS ELECT ON AN ANNUAL BASIS THE MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ANY PROPOSED MERGERS MUST BE APPROVED BY A MAJORITY OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD OF DIRECTORS COMPLETES AN EMPLOYEE EVALUATION ON THE CEO ON AN ANNUAL BASIS. THE EMPLOYEE EVALUATION IS DISCUSSED AT THE BOARD MEETING, A MOTION IS MADE AS TO THE LEVEL OF COMPENSATION AND THEN VOTED ON BY THE BOARD. THE LAST EVALUATION WAS CONDUCTED IN DECEMBER 2013.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND ARE UPDATED ON A MONTHLY BASIS. THE GOVERNING DOCUMENTS ARE NOT MADE AVAILABLE TO THE GENERAL PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 5, PART V, LINE 3B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CO
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt07897812
IRS990/TotalAssetsEOYAmt08266709
IRS990/TotalAssetsGrp/BOYAmt07897812
IRS990/TotalAssetsGrp/EOYAmt08266709
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0273951
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06620641
IRS990/TotalLiabilitiesEOYAmt07046476
IRS990/TotalLiabilitiesGrp/BOYAmt06620641
IRS990/TotalLiabilitiesGrp/EOYAmt07046476
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01277171
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt01220233
IRS990/TotalProgramServiceRevenueAmt0188537
IRS990/TotalRevenueGrp/ExclusionAmt0217013
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0217013
IRS990/TotalVolunteersCnt08
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07897812
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt08266709
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine104593 PECOS ST
IRS990/USAddress/City0DENVER
IRS990/USAddress/State0CO
IRS990/USAddress/ZIPCode080211
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.RGOCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LORETTA THOMAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum03034773960
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-04-29
ReturnHeader/Filer/BusinessName/BusinessNameLine10RIO GRANDE OPERATING CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0RIOG
ReturnHeader/Filer/EIN0840188208
ReturnHeader/Filer/PhoneNum03034773960
ReturnHeader/Filer/USAddress/AddressLine104593 PECOS ST
ReturnHeader/Filer/USAddress/City0DENVER
ReturnHeader/Filer/USAddress/State0CO
ReturnHeader/Filer/USAddress/ZIPCode080211
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10PETERSEN & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine101410 GOLD COAST RD 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0PAPILLION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0NE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode0680465742
ReturnHeader/PreparerPersonGrp/PhoneNum04023332800
ReturnHeader/PreparerPersonGrp/PreparationDt02014-05-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEVEN O PETERSEN
ReturnHeader/ReturnTs02014-05-05T08:10:00-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$8,266,709
Liabilities
$7,046,476
Net assets
$1,220,233
Revenue
$217,013
Expenses
$273,951
Net income
-$56,938
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Detailed filing. Detailed filing data is available for this year.$8.27$7.05$1.22$0.22$0.27$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.90$6.62$1.28$0.30
2011Summary only. Only limited summary data is available for this year.$7.20$5.87$1.33$0.28$0.32$0.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.27$5.90$1.37$0.42