Civic Intelligence

White River Credit Union

990 • Fiscal year 2011 • EIN 91-0599107

Jan 01, 2011 to Dec 31, 2011 • Filed on Jun 14, 2012

Organization ProfileWWW.WHITERIVERCU.COM

View Organization Page

PO Box 3598022
Siviq Scores

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

Liabilities / Assets

31st percentile

0.88x

Higher debt load relative to assets than 31% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

68th percentile

7.3%

Faster asset growth than 68% of similar nonprofits.

2011 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets31st percentile

Assets

Up

$52,838,684

Up $3,608,546 (+7.3%) from 2010

Net Assets

Up

$6,493,321

Up $115,192 (+1.8%) from 2010

Liabilities

Up

$46,345,363

Up $3,493,354 (+8.2%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$2,233,664

Up $337,109 (+18%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth68th percentile

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

$150M$100M$50M$0Assets 2010: $49,230,138Liabilities 2010: $42,852,009Net Assets 2010: $6,378,1292010Assets 2011: $52,838,684Liabilities 2011: $46,345,363Net Assets 2011: $6,493,3212011Assets 2012: $53,244,289Liabilities 2012: $46,437,681Net Assets 2012: $6,806,6082012Assets 2013: $55,467,691Liabilities 2013: $47,621,859Net Assets 2013: $7,845,8322013Assets 2014: $62,986,322Liabilities 2014: $54,262,034Net Assets 2014: $8,724,2882014Assets 2015: $67,037,828Liabilities 2015: $57,581,267Net Assets 2015: $9,456,5612015Assets 2016: $69,901,279Liabilities 2016: $59,745,862Net Assets 2016: $10,155,4172016Assets 2017: $76,587,952Liabilities 2017: $65,752,644Net Assets 2017: $10,835,3082017Assets 2018: $80,584,971Liabilities 2018: $68,878,853Net Assets 2018: $11,706,1182018Assets 2019: $84,607,639Liabilities 2019: $71,858,394Net Assets 2019: $12,749,2452019Assets 2020: $100,685,737Liabilities 2020: $87,085,971Net Assets 2020: $13,599,7662020Assets 2021: $119,235,607Liabilities 2021: $104,968,573Net Assets 2021: $14,267,0342021Assets 2022: $124,008,865Liabilities 2022: $109,151,545Net Assets 2022: $14,857,3202022Assets 2023: $119,708,505Liabilities 2023: $103,355,645Net Assets 2023: $16,352,8602023

Highlighted filing

2011

Assets$52,838,684
Liabilities$46,345,363
Net Assets$6,493,321
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $1,896,5552010Expenses 2011: $2,233,6642011Expenses 2012: $2,231,3072012Revenue 2013: $2,913,243Expenses 2013: $1,874,019Net Income 2013: $1,039,2242013Revenue 2014: $2,845,109Expenses 2014: $1,966,653Net Income 2014: $878,4562014Revenue 2015: $2,789,365Expenses 2015: $2,057,092Net Income 2015: $732,2732015Revenue 2016: $2,823,187Expenses 2016: $2,124,331Net Income 2016: $698,8562016Revenue 2017: $3,088,106Expenses 2017: $2,375,625Net Income 2017: $712,4812017Revenue 2018: $3,462,558Expenses 2018: $2,591,748Net Income 2018: $870,8102018Revenue 2019: $3,821,063Expenses 2019: $2,777,936Net Income 2019: $1,043,1272019Revenue 2020: $4,027,465Expenses 2020: $3,176,944Net Income 2020: $850,5212020Revenue 2021: $4,031,020Expenses 2021: $3,363,752Net Income 2021: $667,2682021Revenue 2022: $5,041,563Expenses 2022: $4,557,718Net Income 2022: $483,8452022Revenue 2023: $6,562,021Expenses 2023: $5,177,680Net Income 2023: $1,384,3412023

Highlighted filing

2011

Revenue-
Expenses$2,233,664
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
Jun 14, 2012
Return Version
2011v1.2
Gross Receipts
$2,340,908
Mission and Program Overview

Mission

To provide quality service to our member/owners and a full range of competitive financial products with personal, caring and efficient service.

Filing and Contact Details

Filer

EIN
91-0599107
Raw XML Appendix385 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReview0false
IRS990/AccountsPayableAccruedExpenses/BOY084765
IRS990/AccountsPayableAccruedExpenses/EOY0106747
IRS990/ActivitiesConductedPartnership0false
IRS990/ActivityOrMissionDescription0PROVIDE CREDIT UNION SERVICES TO MEMBERS.
IRS990/AddressPrincipalOfficerUS/AddressLine10PO BOX 35
IRS990/AddressPrincipalOfficerUS/City0ENUMCLAW
IRS990/AddressPrincipalOfficerUS/State0WA
IRS990/AddressPrincipalOfficerUS/ZIPCode098022
IRS990/Advertising/Total050000
IRS990/AllOtherExpenses/Total0104663
IRS990/AnnualDisclosureCoveredPersons0true
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY0693339
IRS990/CashNonInterestBearing/EOY0311688
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
IRS990/CompCurrentOfficersDirectors/Total075110
IRS990/CompensationFromOtherSources0false
IRS990/CompensationProcessCEO0true
IRS990/CompensationProcessOther0false
IRS990/ComplianceWithBackupWitholding0true
IRS990/ConferencesMeetings/Total09905
IRS990/ConflictOfInterestPolicy0true
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0true
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DepreciationDepletion/Total080453
IRS990/DescribedIn501C30false
IRS990/Description0WHITE RIVER CREDIT UNION, LOCATED IN ENUMCLAW, WASHINGTON IS 5,749 MEMBERS STRONG WITH 52,838,684 IN ASSETS. THE CREDIT UNION WAS FOUNDED IN 1952 AND ORIGINALLY SERVED WEYERHAUSER EMPLOYEES. SINCE THEN, MEMBERSHIP HAS BEEN EXPANDED TO INCLUDE THE ENUMCLAW COMMUNITY AND THE GREATER SOUTH SOUND REGION. OUR CREDIT UNION PROVIDES BASIC FINANCIAL SERVICES INCLUDING SHARE DRAFTS (CHECKING), SHARE ACCOUNTS (SAVINGS), LOANS, AND OTHER SERVICES. BUT, WE DO A LOT MORE. SOME OF THE UNIQUE SERVICES INCLUDE: -SAVINGS SECURED CREDIT CARDS -STUDENT LOANS -LOW COST INTERNATIONAL WIRES -MONEY ORDERS OUR CREDIT UNION EXISTS TO HELP PEOPLE, NOT MAKE A PROFIT. MANY OF OUR MEMBERS EARN LESS THAN 40,000 ANNUALLY. OUR GOAL IS TO SERVE OUR ENTIRE MEMBERSHIP WELL, INCLUDING THOSE OF MODEST MEANS. OUR COMMITMENT TO OUR MEMBERS - WE ALSO REACH OUT TO MEMBERS OR POTENTIAL MEMBERS WHO ARE UNDERSERVED. MEMBERS AT THE WHITE RIVER CREDIT UNION CAN OPEN AN ACCOUNT FOR 25. ALL OF THOSE MEMBERS HAVE ACCESS TO OUR FULL RANGE OF FINANCIAL SERVICES. WE DO A LOT MORE TO HELP MEMBERS IN NEED: -WE WILL GRANT A LOAN AS LOW AS 100 TO ASSIST MEMBERS -FINANCIAL AND DEBT COUNSELING FOR INDIVIDUALS -SMALL BALANCE LOANS TO TIDE MEMBERS OVER UNTIL PAYDAY -SHARE SECURED LOANS, INCLUDING CREDIT CARDS OUR COMMITMENT TO COMMUNITY FINANCIAL EDUCATION & LITERACY - PROMOTING FINANCIAL LITERACY HAS BEEN A PRIMARY MISSION OF CREDIT UNIONS SINCE THEY WERE ESTABLISHED. EDWARD A. FILENE, THE FATHER OF THE AMERICAN CREDIT UNION MOVEMENT IN 1908 SAID, "CREDIT UNIONS ARE EDUCATIONAL INSTITUTIONS." OUR INTENT IS TO TEACH PEOPLE WISE MONEY MANAGEMENT SKILLS THEY CAN USE TO MAKE THEIR ENTIRE LIVES BETTER. IT'S WITH THIS COMMITMENT, WE RUN AND SUPPORT A STUDENT CREDIT UNION AT WHITE RIVER HIGH SCHOOL. GOOD GOVERNANCE AND DIVERSITY - CREDIT UNIONS EXIST TO SERVE ALL MEMBERS EQUALLY, WITH DIGNITY, RESPECT, AND CONSIDERATION. WE STRIVE TO SERVE EVERYONE WHO NEEDS FINANCIAL SERVICES WITHIN OUR MEMBERSHIP AND TO BE SENSITIVE TO THE INDIVIDUAL NEEDS OF THE VARIOUS CULTURES WE SERVE. OUR EMPLOYEES AND VOLUNTEERS REFLECT THE DIVERSITY OF OUR MEMBERSHIP. THE CREDIT UNION MOVEMENT - CREDIT UNIONS DON'T JUST EXIST TO PROVIDE FINANCIAL SERVICES - WE PROVIDED FINANCIAL SERVICES FOR THE PURPOSE OF IMPROVING LIVES. WHILE OUR FIRST RESPONSIBILITY IS TO OUR MEMBERS, PART OF BEING A COOPERATIVE MOVEMENT MEANS LOOKING BEYOND OUR WALLS TO THE LARGER COMMUNITY. THIS PHILOSOPHY LEADS US TO SUPPORT WORTHWHILE CHARITABLE AND SOCIAL COAUSES, AND TO WORK WITH OTHER CREDIT UNIONS. IN OUR CREDIT UNION, WE REACH OUT BY: -COOPERATING IN ALLIANCES AND PARTNERSHIPS TO BETTER SERVE OUR MEMBERS AND COMMUNITY -SPONSORING FOOD DRIVES FOR THE LOCAL FOOD BANK -SUPPORTING THE CHILDREN'S MIRACLE NETWORK, TOYS FOR TOTS, AND ADOPT A FAMILY PROGRAMS -BEING ACTIVE PARTICIPANTS IN LOCAL SERVICE ORGANIZATIONS INCLUDING ROTARY, BNI AND MRIBA -ESTABLISHING ELECTRONIC FUNDS TRANSFER (EFT) ACCOUNTS -SHARING OUR RESOURCES, EQUIPMENT AND PERSONNEL TO CREDIT UNIONS IN NEED. -ENCOURAGING OUR STAFF AND VOLUNTEERS TO SUPPORT OUR LOCAL CREDIT UNION CHAPTER
IRS990/DisregardedEntity0false
IRS990/DocumentRetentionPolicy0true
IRS990/DonorAdvisedFunds0false
IRS990/DoNotFollowSFAS1170X
IRS990/ElectionOfBoardMembers0true
IRS990/EmploymentTaxReturnsFiled0true
IRS990/FamilyOrBusinessRelationship0false
IRS990/FederalGrantAuditRequired0false
IRS990/FeesForServicesAccounting/Total033250
IRS990/FeesForServicesManagement/Total012204
IRS990/FeesForServicesOther/Total022931
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek00.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek10.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek20.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek30.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek40.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek51.00
IRS990/Form990PartVIISectionA/AverageHoursPerWeek60.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek70.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek80.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek90.50
IRS990/Form990PartVIISectionA/AverageHoursPerWeek1055.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector3X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector4X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector5X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector6X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector7X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector8X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector9X
IRS990/Form990PartVIISectionA/NamePerson0WALT MCLEAN
IRS990/Form990PartVIISectionA/NamePerson1DOUG WAGNER
IRS990/Form990PartVIISectionA/NamePerson2EILEEN MARGANO
IRS990/Form990PartVIISectionA/NamePerson3STEVE OLES
IRS990/Form990PartVIISectionA/NamePerson4PEGGY WENHAM
IRS990/Form990PartVIISectionA/NamePerson5JIM DEROSA
IRS990/Form990PartVIISectionA/NamePerson6SHAWN CHRISTIANSEN
IRS990/Form990PartVIISectionA/NamePerson7PAT KOLLEN
IRS990/Form990PartVIISectionA/NamePerson8TJ STRECKER
IRS990/Form990PartVIISectionA/NamePerson9MARY NESTOS
IRS990/Form990PartVIISectionA/NamePerson10BRANDY FIELDING
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/OtherCompensation40
IRS990/Form990PartVIISectionA/OtherCompensation50
IRS990/Form990PartVIISectionA/OtherCompensation60
IRS990/Form990PartVIISectionA/OtherCompensation70
IRS990/Form990PartVIISectionA/OtherCompensation80
IRS990/Form990PartVIISectionA/OtherCompensation90
IRS990/Form990PartVIISectionA/OtherCompensation1011267
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization40
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization50
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization60
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization70
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization80
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization90
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization1075110
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs40
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs50
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs60
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs70
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs80
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs90
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs100
IRS990/Form990PartVIISectionA/Title0BOARD MEMBER
IRS990/Form990PartVIISectionA/Title1BOARD MEMBER
IRS990/Form990PartVIISectionA/Title2BOARD MEMBER
IRS990/Form990PartVIISectionA/Title3BOARD MEMBER
IRS990/Form990PartVIISectionA/Title4BOARD MEMBER
IRS990/Form990PartVIISectionA/Title5BOARD CHAIRM
IRS990/Form990PartVIISectionA/Title6BOARD MEMBER
IRS990/Form990PartVIISectionA/Title7BOARD MEMBER
IRS990/Form990PartVIISectionA/Title8BOARD MEMBER
IRS990/Form990PartVIISectionA/Title9BOAD MEMBER
IRS990/Form990PartVIISectionA/Title10PRESIDENT/CE
IRS990/Form990ProvidedToGoverningBody0true
IRS990/Form990-TFiled0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts02340908
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartIII0X
IRS990/InfoInScheduleOPartVI0X
IRS990/InfoInScheduleOPartXI0X
IRS990/InformationTechnology/Total0173371
IRS990/Insurance/Total043800
IRS990/InvestmentIncomeCurrentYear0204930
IRS990/InvestmentIncome/ExclusionAmount0204930
IRS990/InvestmentIncomePriorYear0-59998
IRS990/InvestmentIncome/TotalRevenueColumn0204930
IRS990/InvestmentInJointVenture0false
IRS990/InvestmentsOtherSecurities/BOY022953163
IRS990/InvestmentsOtherSecurities/EOY027459712
IRS990/LandBldgEquipmentAccumDeprec01266775
IRS990/LandBuildingsEquipmentBasis04179133
IRS990/LandBuildingsEquipmentBasisNet/BOY03026093
IRS990/LandBuildingsEquipmentBasisNet/EOY02912358
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0false
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0PROVIDE CREDIT UNION SERVICES TO MEMBERS.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0BRANDY FIELDING
IRS990/NbrIndependentVotingMembers09
IRS990/NbrVotingGoverningBodyMembers09
IRS990/NbrVotingMembersGoverningBody09
IRS990/NetAssetsOrFundBalancesBOY06378129
IRS990/NetAssetsOrFundBalancesEOY06493321
IRS990/NetUnrelatedBusinessTxblIncome03184
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith10960864
IRS990/NumberIndependentVotingMembers09
IRS990/NumberOfEmployees024
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total078347
IRS990/OfficeExpenses/Total0121344
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0false
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY01742464
IRS990/OtherAssetsTotal/EOY01820244
IRS990/OtherEmployeeBenefits/Total066199
IRS990/OtherExpensePriorYear01249056
IRS990/OtherExpensesCurrentYear01580796
IRS990/OtherExpenses/Description0PROVISION FOR LOAN LOSSES
IRS990/OtherExpenses/Description1DIVIDENDS
IRS990/OtherExpenses/Description2VISA DEBIT CARD FEES
IRS990/OtherExpenses/Description3MEMBERS INSURANCE
IRS990/OtherExpenses/Total0463010
IRS990/OtherExpenses/Total1147980
IRS990/OtherExpenses/Total2130274
IRS990/OtherExpenses/Total3109264
IRS990/OtherLiabilities/BOY042767244
IRS990/OtherLiabilities/EOY046238616
IRS990/OtherNotesLoansReceivableNet/BOY020748033
IRS990/OtherNotesLoansReceivableNet/EOY020269638
IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/Total0435166
IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/Total048368
IRS990/PensionPlanContributions/Total028025
IRS990/PoliticalActivities0false
IRS990/PrepaidExpensesDeferredCharges/BOY067046
IRS990/PrepaidExpensesDeferredCharges/EOY065044
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenue/BusinessCode0522100
IRS990/ProgramServiceRevenue/BusinessCode1522100
IRS990/ProgramServiceRevenueCY02135978
IRS990/ProgramServiceRevenue/Description0INTEREST ON MEMBER LOANS
IRS990/ProgramServiceRevenue/Description1FEES AND OTHER CHARGES
IRS990/ProgramServiceRevenue/Description2WARRANTIES & GAP INSURANCE
IRS990/ProgramServiceRevenue/Description3NON-MEMBER ATM FEES
IRS990/ProgramServiceRevenuePriorYear02103847
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome01482964
IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome1644065
IRS990/ProgramServiceRevenue/TotalRevenueColumn01482964
IRS990/ProgramServiceRevenue/TotalRevenueColumn1644065
IRS990/ProgramServiceRevenue/TotalRevenueColumn28445
IRS990/ProgramServiceRevenue/TotalRevenueColumn3504
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue08445
IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue1504
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationOtherChanges07948
IRS990/ReconcilationRevenueExpenses0107244
IRS990/RegularMonitoringEnforcement0true
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0true
IRS990/ReportLandBldgEquip0true
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY06378129
IRS990/RetainedEarningsEndowmentEtc/EOY06493321
IRS990/RevenuesLessExpensesCY0107244
IRS990/RevenuesLessExpensesPriorYear0147294
IRS990/SalariesEtcCurrentYear0652868
IRS990/SalariesEtcPriorYear0647499
IRS990/ScheduleBRequired0false
IRS990ScheduleD/AgentTrusteeEtc0false
IRS990ScheduleD/AreRelatedOrgsListedScheduleR0false
IRS990ScheduleD/Buildings/BookValue02181722
IRS990ScheduleD/Buildings/Depreciation0285000
IRS990ScheduleD/Buildings/OtherCostOrOtherBasis02466722
IRS990ScheduleD/DisclosedForCharitablePurposes0false
IRS990ScheduleD/DisclosedOrgsLegalControl0false
IRS990ScheduleD/EndowmentsHeldByRelatedOrgs0false
IRS990ScheduleD/EndowmentsHeldByUnrelatedOrgs0false
IRS990ScheduleD/Equipment/BookValue0223852
IRS990ScheduleD/Equipment/Depreciation0981775
IRS990ScheduleD/Equipment/OtherCostOrOtherBasis01205627
IRS990ScheduleD/IncludedOnFS0false
IRS990ScheduleD/Land/BookValue0506784
IRS990ScheduleD/Land/OtherCostOrOtherBasis0506784
IRS990ScheduleD/OtherLiabilities/Amount046238616
IRS990ScheduleD/OtherLiabilities/Description0MEMBER DEPOSITS
IRS990ScheduleD/OtherSecurities/BookValue020704000
IRS990ScheduleD/OtherSecurities/BookValue16755712
IRS990ScheduleD/OtherSecurities/Description0QWICKRATE INVESTMENTS
IRS990ScheduleD/OtherSecurities/Description1INVESTMENT IN SW CORP/CATALYST
IRS990ScheduleD/OtherSecurities/MethodOfValuation0C
IRS990ScheduleD/OtherSecurities/MethodOfValuation1C
IRS990ScheduleD/Sect170hRequirementsSatisfied0false
IRS990ScheduleD/SolicitedAssetsForSale0false
IRS990ScheduleD/TotalOfAmounts046238616
IRS990ScheduleD/TotalOfBookValueLandBuildings02912358
IRS990ScheduleD/TotalOfBookValueSecurities027459712
IRS990ScheduleD/WrittenPolicyMonitoring0false
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0THE VOLUNTEERS CONSIST OF THE BOARD MEMBERS AND SUPERVISORY BOARD MEMBERS. THEY PROVIDE REGULAR OVERSIGHT INCLUDING REVIEWS OF POLICIES, PROCEDURES, AND MONTHLY FINANCIAL STATEMENTS.
IRS990ScheduleO/GeneralExplanation/Explanation1-MONEY ORDERS OUR CREDIT UNION EXISTS TO HELP PEOPLE, NOT MAKE A PROFIT. MANY OF OUR MEMBERS EARN LESS THAN 40,000 ANNUALLY. OUR GOAL IS TO SERVE OUR ENTIRE MEMBERSHIP WELL, INCLUDING THOSE OF MODEST MEANS. OUR COMMITMENT TO OUR MEMBERS - WE ALSO REACH OUT TO MEMBERS OR POTENTIAL MEMBERS WHO ARE UNDERSERVED. MEMBERS AT THE WHITE RIVER CREDIT UNION CAN OPEN AN ACCOUNT FOR 25. ALL OF THOSE MEMBERS HAVE ACCESS TO OUR FULL RANGE OF FINANCIAL SERVICES. WE DO A LOT MORE TO HELP MEMBERS IN NEED: -WE WILL GRANT A LOAN AS LOW AS 100 TO ASSIST MEMBERS -FINANCIAL AND DEBT COUNSELING FOR INDIVIDUALS -SMALL BALANCE LOANS TO TIDE MEMBERS OVER UNTIL PAYDAY -SHARE SECURED LOANS, INCLUDING CREDIT CARDS OUR COMMITMENT TO COMMUNITY FINANCIAL EDUCATION & LITERACY - PROMOTING FINANCIAL LITERACY HAS BEEN A PRIMARY MISSION OF CREDIT UNIONS SINCE THEY WERE ESTABLISHED. EDWARD A. FILENE, THE FATHER OF THE AMERICAN CREDIT UNION MOVEMENT IN 1908 SAID, "CREDIT UNIONS ARE EDUCATIONAL INSTITUTIONS." OUR INTENT IS TO TEACH PEOPLE WISE MONEY MANAGEMENT SKILLS THEY CAN USE TO MAKE THEIR ENTIRE LIVES BETTER. IT'S WITH THIS COMMITMENT, WE RUN AND SUPPORT A STUDENT CREDIT UNION AT WHITE RIVER HIGH SCHOOL. GOOD GOVERNANCE AND DIVERSITY - CREDIT UNIONS EXIST TO SERVE ALL MEMBERS EQUALLY, WITH DIGNITY, RESPECT, AND CONSIDERATION. WE STRIVE TO SERVE EVERYONE WHO NEEDS FINANCIAL SERVICES WITHIN OUR MEMBERSHIP AND TO BE SENSITIVE TO THE INDIVIDUAL NEEDS OF THE VARIOUS CULTURES WE SERVE. OUR EMPLOYEES AND VOLUNTEERS REFLECT THE DIVERSITY OF OUR MEMBERSHIP. THE CREDIT UNION MOVEMENT - CREDIT UNIONS DON'T JUST EXIST TO PROVIDE FINANCIAL SERVICES - WE PROVIDED FINANCIAL SERVICES FOR THE PURPOSE OF IMPROVING LIVES. WHILE OUR FIRST RESPONSIBILITY IS TO OUR MEMBERS, PART OF BEING A COOPERATIVE MOVEMENT MEANS LOOKING BEYOND OUR WALLS TO THE LARGER COMMUNITY. THIS PHILOSOPHY LEADS US TO SUPPORT WORTHWHILE CHARITABLE AND SOCIAL COAUSES, AND TO WORK WITH OTHER CREDIT UNIONS. IN OUR CREDIT UNION, WE REACH OUT BY: -COOPERATING IN ALLIANCES AND PARTNERSHIPS TO BETTER SERVE OUR MEMBERS AND COMMUNITY -SPONSORING FOOD DRIVES FOR THE LOCAL FOOD BANK -SUPPORTING THE CHILDREN'S MIRACLE NETWORK, TOYS FOR TOTS, AND ADOPT A FAMILY PROGRAMS -BEING ACTIVE PARTICIPANTS IN LOCAL SERVICE ORGANIZATIONS INCLUDING ROTARY, BNI AND MRIBA -ESTABLISHING ELECTRONIC FUNDS TRANSFER (EFT) ACCOUNTS -SHARING OUR RESOURCES, EQUIPMENT AND PERSONNEL TO CREDIT UNIONS IN NEED. -ENCOURAGING OUR STAFF AND VOLUNTEERS TO SUPPORT OUR LOCAL CREDIT UNION CHAPTER
IRS990ScheduleO/GeneralExplanation/Explanation2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OF THE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIES ARISE, OR OTHERWISE.
IRS990ScheduleO/GeneralExplanation/Explanation3MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO APPROVE THE GOVERNING BODY'S ELECTION AND REMOVAL OF MEMBERS OF THE GOVERNING BODY, AS WELL AS OTHER MATTERS THAT ARE SUBJECT TO THE APPROVAL OF MEMBERS OF THE CREDIT UNION, AS THEY OCCUR.
IRS990ScheduleO/GeneralExplanation/Explanation4THE PRESIDENT/CEO REVIEWS FORM 990 FOR ACCURACY. A COPY OF THE 990 WILL BE PRESENTED TO THE BOARD OF DIRECTORS BEFORE IT IS FILED.
IRS990ScheduleO/GeneralExplanation/Explanation5OUR EMPLOYEES ANNUALLY COMPLETE A "EMPLOYEE AND ASSOCIATED ACCOUNT DISCLOSURE" FORM WHERE THE EMPLOYEES LIST ALL FAMILY MEMBER ACCOUNTS OR ANY OTHER ACCOUNTS WHERE THERE COULD BE A POSSIBLE CONFLICT OF INTEREST. THAT INFORMATION IS ENTERED INTO OUR DATA PROCESSING SYSTEMS AND THE SYSTEM DOES NOT ALLOW THE EMPLOYEE TO POST TRANSACTIONS TO THOSE ACCOUNTS.
IRS990ScheduleO/GeneralExplanation/Explanation6THE BOARD SETS THE CEO'S COMPENSATION UPON EMPLOYMENT BASED ON AN OUTSIDE CONSULTANT'S SUGGESTIONS. THE RATE IS ADJUSTED ANNUALLY BASED ON PERFORMANCE EVALUATIONS.
IRS990ScheduleO/GeneralExplanation/Explanation7WE PROVIDE THE ANNUAL REPORT TO MEMBERS ANNUALLY. CONFLICTS OF INTEREST POLICIES AND GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation8GAIN ON SURRENDER VALUE OF INSURANCE 7,949
IRS990ScheduleO/GeneralExplanation/Identifier0EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS
IRS990ScheduleO/GeneralExplanation/Identifier1FIRST ACCOMPLISHMENT DESCRIPTION
IRS990ScheduleO/GeneralExplanation/Identifier2ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier3DECISIONS SUBJECT TO APPROVAL OF MEMBERS
IRS990ScheduleO/GeneralExplanation/Identifier4ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier5ENFORCEMENT OF CONFLICTS POLICY
IRS990ScheduleO/GeneralExplanation/Identifier6COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier7GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/Identifier8OTHER CHANGES IN NET ASSETS EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 2, PART III, LINE 4A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XI, LINE 5
IRS990/ScheduleORequired0true
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0WA
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine101499 GARRETT STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0ENUMCLAW
IRS990/TheBooksAreInCareOf/AddressUS/State0WA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode098022
IRS990/TheBooksAreInCareOf/NamePerson0BRANDY FIELDING
IRS990/TheBooksAreInCareOf/TelephoneNumber03608254833
IRS990/TotalAssets/BOY049230138
IRS990/TotalAssetsBOY049230138
IRS990/TotalAssets/EOY052838684
IRS990/TotalAssetsEOY052838684
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear02233664
IRS990/TotalExpensesPriorYear01896555
IRS990/TotalFunctionalExpenses/Fundraising00
IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
IRS990/TotalFunctionalExpenses/Total02233664
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI08949
IRS990/TotalLiabilities/BOY042852009
IRS990/TotalLiabilitiesBOY042852009
IRS990/TotalLiabilities/EOY046345363
IRS990/TotalLiabilitiesEOY046345363
IRS990/TotalLiabNetAssetsFundBalances/BOY049230138
IRS990/TotalLiabNetAssetsFundBalances/EOY052838684
IRS990/TotalNbrEmployees024
IRS990/TotalNbrVolunteers012
IRS990/TotalNetAssetsFundBalances/BOY06378129
IRS990/TotalNetAssetsFundBalances/EOY06493321
IRS990/TotalOtherCompensation011267
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProgramServiceRevenue02135978
IRS990/TotalReportableCompFromOrg075110
IRS990/TotalRevenueCurrentYear02340908
IRS990/TotalRevenue/ExclusionAmount0204930
IRS990/TotalRevenuePriorYear02043849
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome02127029
IRS990/TotalRevenue/TotalRevenueColumn02340908
IRS990/TotalRevenue/UnrelatedBusinessRevenue08949
IRS990/TransactionRelatedEntity0false
IRS990/TypeOfOrganizationCorporation0X
IRS990/UnrelatedBusinessIncome0true
IRS990/WebSite0WWW.WHITERIVERCU.COM
IRS990/WhistleblowerPolicy0true
IRS990/YearFormation01952
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0910599107
ReturnHeader/Filer/Name/BusinessNameLine10WHITE RIVER CREDIT UNION
ReturnHeader/Filer/NameControl0WHIT
ReturnHeader/Filer/Phone03608254833
ReturnHeader/Filer/USAddress/AddressLine10PO BOX 35
ReturnHeader/Filer/USAddress/City0ENUMCLAW
ReturnHeader/Filer/USAddress/State0WA
ReturnHeader/Filer/USAddress/ZIPCode098022
ReturnHeader/Officer/DateSigned02012-06-14
ReturnHeader/Officer/Name0BRANDY FIELDING
ReturnHeader/Officer/Phone03608254833
ReturnHeader/Officer/Title0PRESIDENT/CEO
ReturnHeader/Preparer/DatePrepared02012-06-18
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10SHANNON & ASSOCIATES LLP
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine101851 CENTRAL PLACE SOUTH SUITE 225
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0KENT
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0WA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode0980307507
ReturnHeader/Preparer/Name0ANDREW RAYMOND
ReturnHeader/Preparer/Phone02538528500
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-06-18T12:47:35-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$52,838,684
Liabilities
$46,345,363
Net assets
$6,493,321
Revenue
-
Expenses
$2,233,664
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Summary only. Only limited summary data is available for this year.$120$103$16.4$6.56$5.18$1.38
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$124$109$14.9$5.04$4.56$0.48
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$119$105$14.3$4.03$3.36$0.67
2020Summary only. Only limited summary data is available for this year.$101$87.1$13.6$4.03$3.18$0.85
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$84.6$71.9$12.7$3.82$2.78$1.04
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$80.6$68.9$11.7$3.46$2.59$0.87
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$76.6$65.8$10.8$3.09$2.38$0.71
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$69.9$59.7$10.2$2.82$2.12$0.70
2015Detailed filing. Detailed filing data is available for this year.$67.0$57.6$9.46$2.79$2.06$0.73
2014Detailed filing. Detailed filing data is available for this year.$63.0$54.3$8.72$2.85$1.97$0.88
2013Detailed filing. Detailed filing data is available for this year.$55.5$47.6$7.85$2.91$1.87$1.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.2$46.4$6.81$2.23
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.8$46.3$6.49$2.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$49.2$42.9$6.38$1.90
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2011 filings • 501(c)14 • $50M-$100M nonprofits