Liabilities / Assets
26th percentile
Higher debt load relative to assets than 26% of similar nonprofits.
990 • Fiscal year 2012 • EIN 91-0599107
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
26th percentile
Higher debt load relative to assets than 26% of similar nonprofits.
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
18th percentile
Faster asset growth than 18% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Assets
Up$53,244,289
Up $405,605 (+0.8%) from 2011
Net Assets
Up$6,806,608
Up $313,287 (+4.8%) from 2011
Liabilities
Up$46,437,681
Up $92,318 (+0.2%) from 2011
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$2,231,307
Down $2,357 (-0.1%) from 2011
Net Income
-
No earlier filing loaded for comparison.
To provide quality service to our member/owners and a full range of competitive financial products with personal, caring and efficient service.
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/AccountantCompileOrReview | 0 | true |
| IRS990/AccountsPayableAccruedExpenses/BOY | 0 | 106747 |
| IRS990/AccountsPayableAccruedExpenses/EOY | 0 | 70621 |
| IRS990/ActivitiesConductedPartnership | 0 | false |
| IRS990/ActivityOrMissionDescription | 0 | PROVIDE CREDIT UNION SERVICES TO MEMBERS. |
| IRS990/AddressPrincipalOfficerUS/AddressLine1 | 0 | PO BOX 35 |
| IRS990/AddressPrincipalOfficerUS/City | 0 | ENUMCLAW |
| IRS990/AddressPrincipalOfficerUS/State | 0 | WA |
| IRS990/AddressPrincipalOfficerUS/ZIPCode | 0 | 98022 |
| IRS990/Advertising/Total | 0 | 63000 |
| IRS990/AllOtherExpenses/Total | 0 | 174884 |
| IRS990/AnnualDisclosureCoveredPersons | 0 | true |
| IRS990/BenefitsPaidToMembersCY | 0 | 0 |
| IRS990/BsnssRltnshpThruFamilyMember | 0 | false |
| IRS990/BsnssRltnshpWithOrganization | 0 | false |
| IRS990/CashNonInterestBearing/BOY | 0 | 311688 |
| IRS990/CashNonInterestBearing/EOY | 0 | 210682 |
| IRS990/ChangesToOrganizingDocs | 0 | false |
| IRS990/CollectionsOfArt | 0 | false |
| IRS990/CompCurrentOfficersDirectors/Total | 0 | 75110 |
| IRS990/CompensationFromOtherSources | 0 | false |
| IRS990/CompensationProcessCEO | 0 | true |
| IRS990/CompensationProcessOther | 0 | false |
| IRS990/ConferencesMeetings/Total | 0 | 12400 |
| IRS990/ConflictOfInterestPolicy | 0 | true |
| IRS990/ConservationEasements | 0 | false |
| IRS990/ConsolidatedAuditFinancialStmt | 0 | false |
| IRS990/ContributionsGrantsCurrentYear | 0 | 0 |
| IRS990/CreditCounseling | 0 | false |
| IRS990/DecisionsSubjectToApproval | 0 | true |
| IRS990/DeductibleContributionsOfArt | 0 | false |
| IRS990/DeductibleNonCashContributions | 0 | false |
| IRS990/DelegationOfManagementDuties | 0 | false |
| IRS990/DepreciationDepletion/Total | 0 | 81014 |
| IRS990/DescribedIn501C3 | 0 | false |
| IRS990/Description | 0 | WHITE RIVER CREDIT UNION, LOCATED IN ENUMCLAW, WASHINGTON IS 5,826 MEMBERS STRONG WITH 53,244,289 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/DisregardedEntity | 0 | false |
| IRS990/DocumentRetentionPolicy | 0 | true |
| IRS990/DonorAdvisedFunds | 0 | false |
| IRS990/DoNotFollowSFAS117 | 0 | X |
| IRS990/ElectionOfBoardMembers | 0 | true |
| IRS990/EmploymentTaxReturnsFiled | 0 | true |
| IRS990/FamilyOrBusinessRelationship | 0 | false |
| IRS990/FederalGrantAuditRequired | 0 | false |
| IRS990/FeesForServicesAccounting/Total | 0 | 905 |
| IRS990/FeesForServicesManagement/Total | 0 | 11305 |
| IRS990/FeesForServicesOther/Total | 0 | 24903 |
| IRS990/ForeignActivities | 0 | false |
| IRS990/ForeignFinancialAccount | 0 | false |
| IRS990/ForeignOffice | 0 | false |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 0 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 1 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 2 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 3 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 4 | 1.00 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 5 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 6 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 7 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 8 | 0.50 |
| IRS990/Form990PartVIISectionA/AverageHoursPerWeek | 9 | 55.00 |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 0 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 1 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 2 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 3 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 4 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 5 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 6 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 7 | X |
| IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector | 8 | X |
| IRS990/Form990PartVIISectionA/NamePerson | 0 | WALT MCLEAN |
| IRS990/Form990PartVIISectionA/NamePerson | 1 | DOUG WAGNER |
| IRS990/Form990PartVIISectionA/NamePerson | 2 | EILEEN MARGANO |
| IRS990/Form990PartVIISectionA/NamePerson | 3 | PEGGY WENHAM |
| IRS990/Form990PartVIISectionA/NamePerson | 4 | JIM DEROSA |
| IRS990/Form990PartVIISectionA/NamePerson | 5 | SHAWN CHRISTIANSEN |
| IRS990/Form990PartVIISectionA/NamePerson | 6 | PAT KOLLEN |
| IRS990/Form990PartVIISectionA/NamePerson | 7 | TJ STRECKER |
| IRS990/Form990PartVIISectionA/NamePerson | 8 | MARY NESTOS |
| IRS990/Form990PartVIISectionA/NamePerson | 9 | BRANDY FIELDING |
| IRS990/Form990PartVIISectionA/Officer | 0 | X |
| IRS990/Form990PartVIISectionA/Officer | 1 | X |
| IRS990/Form990PartVIISectionA/OtherCompensation | 0 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 1 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 2 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 3 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 4 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 5 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 6 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 7 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 8 | 0 |
| IRS990/Form990PartVIISectionA/OtherCompensation | 9 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 8 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromOrganization | 9 | 75110 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 0 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 1 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 2 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 3 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 4 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 5 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 6 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 7 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 8 | 0 |
| IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs | 9 | 0 |
| IRS990/Form990PartVIISectionA/Title | 0 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 1 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 2 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 3 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 4 | BOARD CHAIRM |
| IRS990/Form990PartVIISectionA/Title | 5 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 6 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 7 | BOARD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 8 | BOAD MEMBER |
| IRS990/Form990PartVIISectionA/Title | 9 | PRESIDENT/CE |
| IRS990/Form990ProvidedToGoverningBody | 0 | true |
| IRS990/Form990-TFiled | 0 | true |
| IRS990/FormersListed | 0 | false |
| IRS990/FSAudited | 0 | false |
| IRS990/FundraisingActivities | 0 | false |
| IRS990/Gaming | 0 | false |
| IRS990/GrantsAndSimilarAmntsCY | 0 | 0 |
| IRS990/GrantsToIndividuals | 0 | false |
| IRS990/GrantsToOrganizations | 0 | false |
| IRS990/GrantToRelatedPerson | 0 | false |
| IRS990/GrossReceipts | 0 | 2496326 |
| IRS990/GroupReturnForAffiliates | 0 | false |
| IRS990/Hospital | 0 | false |
| IRS990/IndependentAuditFinancialStmt | 0 | false |
| IRS990/IndoorTanningServices | 0 | false |
| IRS990/InfoInScheduleOPartIII | 0 | X |
| IRS990/InfoInScheduleOPartVI | 0 | X |
| IRS990/InformationTechnology/Total | 0 | 196095 |
| IRS990/Insurance/Total | 0 | 41223 |
| IRS990/InvestmentIncomeCurrentYear | 0 | 284642 |
| IRS990/InvestmentIncomePriorYear | 0 | 204930 |
| IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome | 0 | 284642 |
| IRS990/InvestmentIncome/TotalRevenueColumn | 0 | 284642 |
| IRS990/InvestmentInJointVenture | 0 | false |
| IRS990/InvestmentsOtherSecurities/BOY | 0 | 27459712 |
| IRS990/InvestmentsOtherSecurities/EOY | 0 | 25569022 |
| IRS990/InvestmentsProgramRelated/EOY | 0 | 129009 |
| IRS990/LandBldgEquipmentAccumDeprec | 0 | 1411513 |
| IRS990/LandBuildingsEquipmentBasis | 0 | 4193185 |
| IRS990/LandBuildingsEquipmentBasisNet/BOY | 0 | 2912358 |
| IRS990/LandBuildingsEquipmentBasisNet/EOY | 0 | 2781672 |
| IRS990/LoanToOfficerOrDQP | 0 | false |
| IRS990/LocalChapters | 0 | false |
| IRS990/MaterialDiversionOrMisuse | 0 | false |
| IRS990/MembersOrStockholders | 0 | true |
| IRS990/MethodOfAccountingAccrual | 0 | X |
| IRS990/MinutesOfCommittees | 0 | true |
| IRS990/MinutesOfGoverningBody | 0 | true |
| IRS990/MissionDescription | 0 | PROVIDE CREDIT UNION SERVICES TO MEMBERS. |
| IRS990/MoreThan5000KToIndividuals | 0 | false |
| IRS990/MoreThan5000KToOrganizations | 0 | false |
| IRS990/NameOfPrincipalOfficerPerson | 0 | BRANDY FIELDING |
| IRS990/NbrIndependentVotingMembers | 0 | 9 |
| IRS990/NbrVotingGoverningBodyMembers | 0 | 9 |
| IRS990/NbrVotingMembersGoverningBody | 0 | 9 |
| IRS990/NetAssetsOrFundBalancesBOY | 0 | 6493321 |
| IRS990/NetAssetsOrFundBalancesEOY | 0 | 6806608 |
| IRS990/NetUnrelatedBusinessTxblIncome | 0 | 5353 |
| IRS990/NonDeductibleContributions | 0 | false |
| IRS990/NumberFormsTransmittedWith1096 | 0 | 578 |
| IRS990/NumberIndependentVotingMembers | 0 | 9 |
| IRS990/NumberOfEmployees | 0 | 27 |
| IRS990/NumberW2GIncluded | 0 | 0 |
| IRS990/Occupancy/Total | 0 | 60946 |
| IRS990/OfficeExpenses/Total | 0 | 116139 |
| IRS990/OfficerEntityWithBsnssRltnshp | 0 | false |
| IRS990/OfficerMailingAddress | 0 | false |
| IRS990/Organization501c | 0 | X |
| IRS990/OtherAssetsTotal/BOY | 0 | 1820244 |
| IRS990/OtherAssetsTotal/EOY | 0 | 1931033 |
| IRS990/OtherEmployeeBenefits/Total | 0 | 60993 |
| IRS990/OtherExpensePriorYear | 0 | 1580796 |
| IRS990/OtherExpensesCurrentYear | 0 | 1567088 |
| IRS990/OtherExpenses/Description | 0 | PROVISION FOR LOAN LOSSES |
| IRS990/OtherExpenses/Description | 1 | LOSS ON FORECLOSED ASSETS |
| IRS990/OtherExpenses/Description | 2 | VISA DEBIT CARD FEES |
| IRS990/OtherExpenses/Description | 3 | LOAN SERVICING |
| IRS990/OtherExpenses/Total | 0 | 438324 |
| IRS990/OtherExpenses/Total | 1 | 133164 |
| IRS990/OtherExpenses/Total | 2 | 133141 |
| IRS990/OtherExpenses/Total | 3 | 79645 |
| IRS990/OtherLiabilities/BOY | 0 | 46238616 |
| IRS990/OtherLiabilities/EOY | 0 | 46367060 |
| IRS990/OtherNotesLoansReceivableNet/BOY | 0 | 20269638 |
| IRS990/OtherNotesLoansReceivableNet/EOY | 0 | 22461842 |
| IRS990/OtherRevenueCurrentYear | 0 | 0 |
| IRS990/OtherSalariesAndWages/Total | 0 | 454708 |
| IRS990/OtherWebsite | 0 | X |
| IRS990/PartialLiquidation | 0 | false |
| IRS990/PayrollTaxes/Total | 0 | 47360 |
| IRS990/PensionPlanContributions/Total | 0 | 26048 |
| IRS990/PoliticalActivities | 0 | false |
| IRS990/PrepaidExpensesDeferredCharges/BOY | 0 | 65044 |
| IRS990/PrepaidExpensesDeferredCharges/EOY | 0 | 61029 |
| IRS990/ProfessionalFundraising | 0 | false |
| IRS990/ProgramServiceRevenue/BusinessCode | 0 | 522291 |
| IRS990/ProgramServiceRevenue/BusinessCode | 1 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 2 | 522100 |
| IRS990/ProgramServiceRevenue/BusinessCode | 3 | 522100 |
| IRS990/ProgramServiceRevenueCY | 0 | 2211684 |
| IRS990/ProgramServiceRevenue/Description | 0 | INTEREST ON MEMBER LOANS |
| IRS990/ProgramServiceRevenue/Description | 1 | FEES AND OTHER CHARGES |
| IRS990/ProgramServiceRevenue/Description | 2 | WARRANTIES & GAP INSURANCE |
| IRS990/ProgramServiceRevenue/Description | 3 | NON-MEMBER ATM & OTHER FEES |
| IRS990/ProgramServiceRevenuePriorYear | 0 | 2135978 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 0 | 1501335 |
| IRS990/ProgramServiceRevenue/RelatedOrExemptFunctionIncome | 1 | 699215 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 0 | 1501335 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 1 | 699215 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 2 | 8395 |
| IRS990/ProgramServiceRevenue/TotalRevenueColumn | 3 | 2739 |
| IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue | 0 | 8395 |
| IRS990/ProgramServiceRevenue/UnrelatedBusinessRevenue | 1 | 2739 |
| IRS990/ProhibitedTaxShelterTrans | 0 | false |
| IRS990/ReconcilationOtherChanges | 0 | 48268 |
| IRS990/ReconcilationRevenueExpenses | 0 | 265019 |
| IRS990/RegularMonitoringEnforcement | 0 | true |
| IRS990/RelatedEntity | 0 | false |
| IRS990/RelatedOrgControlledEntity | 0 | false |
| IRS990/ReportFin48Footnote | 0 | false |
| IRS990/ReportInvestOthSecurities | 0 | true |
| IRS990/ReportLandBldgEquip | 0 | true |
| IRS990/ReportOtherAssets | 0 | false |
| IRS990/ReportOtherLiabilities | 0 | true |
| IRS990/ReportProgRelInvest | 0 | false |
| IRS990/RetainedEarningsEndowmentEtc/BOY | 0 | 6493321 |
| IRS990/RetainedEarningsEndowmentEtc/EOY | 0 | 6806608 |
| IRS990/RevenuesLessExpensesCY | 0 | 265019 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | 107244 |
| IRS990/SalariesEtcCurrentYear | 0 | 664219 |
| IRS990/SalariesEtcPriorYear | 0 | 652868 |
| IRS990/SavingsAndTempCashInvestments/EOY | 0 | 100000 |
| IRS990/ScheduleBRequired | 0 | false |
| IRS990ScheduleD/Buildings/BookValue | 0 | 2121722 |
| IRS990ScheduleD/Buildings/Depreciation | 0 | 345000 |
| IRS990ScheduleD/Buildings/OtherCostOrOtherBasis | 0 | 2466722 |
| IRS990ScheduleD/Equipment/BookValue | 0 | 153166 |
| IRS990ScheduleD/Equipment/Depreciation | 0 | 1066513 |
| IRS990ScheduleD/Equipment/OtherCostOrOtherBasis | 0 | 1219679 |
| IRS990ScheduleD/Land/BookValue | 0 | 506784 |
| IRS990ScheduleD/Land/OtherCostOrOtherBasis | 0 | 506784 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 46367060 |
| IRS990ScheduleD/OtherLiabilities/Description | 0 | MEMBER DEPOSITS |
| IRS990ScheduleD/OtherSecurities/BookValue | 0 | 19494500 |
| IRS990ScheduleD/OtherSecurities/BookValue | 1 | 6074522 |
| IRS990ScheduleD/OtherSecurities/Description | 0 | QWICKRATE INVESTMENTS |
| IRS990ScheduleD/OtherSecurities/Description | 1 | INVESTMENT IN SW CORP/CATALYST |
| IRS990ScheduleD/OtherSecurities/MethodOfValuation | 0 | C |
| IRS990ScheduleD/OtherSecurities/MethodOfValuation | 1 | C |
| IRS990ScheduleD/TotalOfAmounts | 0 | 46367060 |
| IRS990ScheduleD/TotalOfBookValueLandBuildings | 0 | 2781672 |
| IRS990ScheduleD/TotalOfBookValueSecurities | 0 | 25569022 |
| IRS990/ScheduleJRequired | 0 | false |
| IRS990ScheduleO/GeneralExplanation/Explanation | 0 | THE 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/Explanation | 1 | -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/Explanation | 2 | THE CREDIT UNION HAS 5,286 MEMBERS AS OF DECEMBER 31, 2012. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 3 | MEMBERS 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/Explanation | 4 | MEMBERS 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/Explanation | 5 | THE 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/Explanation | 6 | OUR 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/Explanation | 7 | THE 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/Explanation | 8 | WE PROVIDE THE ANNUAL REPORT TO MEMBERS ANNUALLY. CONFLICTS OF INTEREST POLICIES AND GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. |
| IRS990ScheduleO/GeneralExplanation/Explanation | 9 | GAIN ON SURRENDER VALUE OF LIFE INSURANCE 48,268 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 0 | EXPLANATION ON VOLUNTEERS AND TYPES OF SERVICES OR BENEFITS |
| IRS990ScheduleO/GeneralExplanation/Identifier | 1 | FIRST ACCOMPLISHMENT DESCRIPTION |
| IRS990ScheduleO/GeneralExplanation/Identifier | 2 | CLASSES OF MEMBERS OR STOCKHOLDERS |
| IRS990ScheduleO/GeneralExplanation/Identifier | 3 | ELECTION OF MEMBERS AND THEIR RIGHTS |
| IRS990ScheduleO/GeneralExplanation/Identifier | 4 | DECISIONS SUBJECT TO APPROVAL OF MEMBERS |
| IRS990ScheduleO/GeneralExplanation/Identifier | 5 | ORGANIZATION'S PROCESS USED TO REVIEW FORM 990 |
| IRS990ScheduleO/GeneralExplanation/Identifier | 6 | ENFORCEMENT OF CONFLICTS POLICY |
| IRS990ScheduleO/GeneralExplanation/Identifier | 7 | COMPENSATION PROCESS FOR TOP OFFICIAL |
| IRS990ScheduleO/GeneralExplanation/Identifier | 8 | GOVERNING DOCUMENTS DISCLOSURE EXPLANATION |
| IRS990ScheduleO/GeneralExplanation/Identifier | 9 | OTHER CHANGES IN NET ASSETS EXPLANATION |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 0 | FORM 990, PAGE 1, PART I, LINE 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 1 | FORM 990, PAGE 2, PART III, LINE 4A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 2 | FORM 990, PAGE 6, PART VI, LINE 6 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 3 | FORM 990, PAGE 6, PART VI, LINE 7A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 4 | FORM 990, PAGE 6, PART VI, LINE 7B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 5 | FORM 990, PAGE 6, PART VI, LINE 11B |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 6 | FORM 990, PAGE 6, PART VI, LINE 12C |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 7 | FORM 990, PAGE 6, PART VI, LINE 15A |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 8 | FORM 990, PAGE 6, PART VI, LINE 19 |
| IRS990ScheduleO/GeneralExplanation/ReturnReference | 9 | FORM 990, PART XI, LINE 9 |
| IRS990/ScheduleORequired | 0 | true |
| IRS990/School | 0 | false |
| IRS990/SignificantChange | 0 | false |
| IRS990/SignificantNewProgramServices | 0 | false |
| IRS990/StateLegalDomicile | 0 | WA |
| IRS990/SubjectToProxyTax | 0 | false |
| IRS990/TaxablePartyNotification | 0 | false |
| IRS990/TaxExemptBonds | 0 | false |
| IRS990/Terminated | 0 | false |
| IRS990/TermOrPermanentEndowments | 0 | false |
| IRS990/TheBooksAreInCareOf/AddressUS/AddressLine1 | 0 | 1499 GARRETT STREET |
| IRS990/TheBooksAreInCareOf/AddressUS/City | 0 | ENUMCLAW |
| IRS990/TheBooksAreInCareOf/AddressUS/State | 0 | WA |
| IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode | 0 | 98022 |
| IRS990/TheBooksAreInCareOf/NamePerson | 0 | BRANDY FIELDING |
| IRS990/TheBooksAreInCareOf/TelephoneNumber | 0 | 3608254833 |
| IRS990/TotalAssets/BOY | 0 | 52838684 |
| IRS990/TotalAssetsBOY | 0 | 52838684 |
| IRS990/TotalAssets/EOY | 0 | 53244289 |
| IRS990/TotalAssetsEOY | 0 | 53244289 |
| IRS990/TotalCompGT150K | 0 | false |
| IRS990/TotalExpensesCurrentYear | 0 | 2231307 |
| IRS990/TotalExpensesPriorYear | 0 | 2233664 |
| IRS990/TotalFunctionalExpenses/Fundraising | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ManagementAndGeneral | 0 | 0 |
| IRS990/TotalFunctionalExpenses/ProgramServices | 0 | 0 |
| IRS990/TotalFunctionalExpenses/Total | 0 | 2231307 |
| IRS990/TotalFundrsngExpCurrentYear | 0 | 0 |
| IRS990/TotalGrossUBI | 0 | 11134 |
| IRS990/TotalLiabilities/BOY | 0 | 46345363 |
| IRS990/TotalLiabilitiesBOY | 0 | 46345363 |
| IRS990/TotalLiabilities/EOY | 0 | 46437681 |
| IRS990/TotalLiabilitiesEOY | 0 | 46437681 |
| IRS990/TotalLiabNetAssetsFundBalances/BOY | 0 | 52838684 |
| IRS990/TotalLiabNetAssetsFundBalances/EOY | 0 | 53244289 |
| IRS990/TotalNbrEmployees | 0 | 27 |
| IRS990/TotalNbrVolunteers | 0 | 12 |
| IRS990/TotalNetAssetsFundBalances/BOY | 0 | 6493321 |
| IRS990/TotalNetAssetsFundBalances/EOY | 0 | 6806608 |
| IRS990/TotalProfFundrsngExpCY | 0 | 0 |
| IRS990/TotalProgramServiceRevenue | 0 | 2211684 |
| IRS990/TotalReportableCompFromOrg | 0 | 75110 |
| IRS990/TotalRevenueCurrentYear | 0 | 2496326 |
| IRS990/TotalRevenuePriorYear | 0 | 2340908 |
| IRS990/TotalRevenue/RelatedOrExemptFunctionIncome | 0 | 2485192 |
| IRS990/TotalRevenue/TotalRevenueColumn | 0 | 2496326 |
| IRS990/TotalRevenue/UnrelatedBusinessRevenue | 0 | 11134 |
| IRS990/TypeOfOrganizationCorporation | 0 | X |
| IRS990/UnrelatedBusinessIncome | 0 | true |
| IRS990/UponRequest | 0 | X |
| IRS990/WebSite | 0 | WWW.WHITERIVERCU.COM |
| IRS990/WhistleblowerPolicy | 0 | true |
| IRS990/YearFormation | 0 | 1952 |
| ReturnHeader/BuildTS | 0 | 2016-02-24 21:20:13Z |
| ReturnHeader/Filer/EIN | 0 | 910599107 |
| ReturnHeader/Filer/Name/BusinessNameLine1 | 0 | WHITE RIVER CREDIT UNION |
| ReturnHeader/Filer/NameControl | 0 | WHIT |
| ReturnHeader/Filer/Phone | 0 | 3608254833 |
| ReturnHeader/Filer/USAddress/AddressLine1 | 0 | PO BOX 35 |
| ReturnHeader/Filer/USAddress/City | 0 | ENUMCLAW |
| ReturnHeader/Filer/USAddress/State | 0 | WA |
| ReturnHeader/Filer/USAddress/ZIPCode | 0 | 98022 |
| ReturnHeader/Officer/AuthorizeThirdParty | 0 | true |
| ReturnHeader/Officer/DateSigned | 0 | 2013-11-13 |
| ReturnHeader/Officer/Name | 0 | BRANDY FIELDING |
| ReturnHeader/Officer/Phone | 0 | 3608254833 |
| ReturnHeader/Officer/Title | 0 | PRESIDENT/CEO |
| ReturnHeader/Preparer/DatePrepared | 0 | 2013-11-13 |
| ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1 | 0 | SHANNON & ASSOCIATES LLP |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1 | 0 | 1851 CENTRAL PLACE SOUTH SUITE 225 |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City | 0 | KENT |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State | 0 | WA |
| ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode | 0 | 980307507 |
| ReturnHeader/Preparer/Name | 0 | ROGER JONES |
| ReturnHeader/Preparer/Phone | 0 | 2538528500 |
| ReturnHeader/ReturnType | 0 | 990 |
| ReturnHeader/TaxPeriodBeginDate | 0 | 2012-01-01 |
| ReturnHeader/TaxPeriodEndDate | 0 | 2012-12-31 |
| ReturnHeader/TaxYear | 0 | 2012 |
| ReturnHeader/Timestamp | 0 | 2013-11-13T13:01:59-06:00 |
No mirrored PDF or thumbnail assets are attached yet.
Displayed year
2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $50M-$100M nonprofits
Indianapolis, IN
View Organization501(c)14
Revenue vs current organization
No dataAssets vs current organization
About the sameAlbany, GA
View Organization501(c)14
Revenue vs current organization
No dataAssets vs current organization
About the sameEvergreen Park, IL
View Organization501(c)14
Revenue vs current organization
No dataAssets vs current organization
About the sameSpokane, WA
View Organization501(c)14
Revenue vs current organization
No dataAssets vs current organization
About the same