Civic Intelligence

White River Credit Union

990 • Fiscal year 2015 • EIN 91-0599107

Jan 01, 2015 to Dec 31, 2015 • Filed on Nov 14, 2016

Organization ProfileWWW.WHITERIVERCU.COM

View Organization Page

PO Box 35Enumclaw, WA 98022

(360) 825-4833

Siviq Scores

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

Liabilities / Assets

24th percentile

0.86x

Higher debt load relative to assets than 24% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Liabilities / Revenue

61st percentile

20.64x

Higher debt load relative to revenue than 61% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Net Margin

95th percentile

26%

Higher net margin than 95% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Top Officer Pay

12th percentile

$90,936

Higher top officer pay than 12% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2015

Asset Growth

69th percentile

6.4%

Faster asset growth than 69% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Revenue Growth

24th percentile

-2.0%

Faster revenue growth than 24% of similar nonprofits.

2015 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$67,037,828

Up $4,051,506 (+6.4%) from 2014

Net Assets

Up

$9,456,561

Up $732,273 (+8.4%) from 2014

Liabilities

Up

$57,581,267

Up $3,319,233 (+6.1%) from 2014

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin95th percentile

Revenue

Down

$2,789,365

Down $55,744 (-2.0%) from 2014

Expenses

Up

$2,057,092

Up $90,439 (+4.6%) from 2014

Net Income

Down

$732,273

Down $146,183 (-17%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth69th 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

2015

Assets$67,037,828
Liabilities$57,581,267
Net Assets$9,456,561
Open 2015 Filing

Operations Trend

Revenue Growth24th percentile

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

2015

Revenue$2,789,365
Expenses$2,057,092
Net Income$732,273
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Nov 14, 2016
Return Version
2015v2.1
Gross Receipts
$2,789,365
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.

To provide quality service to our member/owners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$32,600,682$38,035,382▲ $5,434,700
Other Notes and Loans Receivable, Net$24,459,584$23,036,756▼ $1,422,828
Rtn Earn Endowment Incm Other Fnds$8,724,288$9,456,561▲ $732,273
Land, Buildings, and Equipment, Net$2,603,428$2,529,847▼ $73,581
Cash and Non-Interest-Bearing Accounts$592,510$520,898▼ $71,612
Savings and Temporary Cash Investments$439,424$384,778▼ $54,646
Investments Program Related$134,296$146,638▲ $12,342
Prepaid Expenses and Deferred Charges$86,428$43,557▼ $42,871
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$62,986,322$67,037,828▲ $4,051,506
Other Assets Total$2,069,970$2,339,972▲ $270,002
Liabilities
Other Liabilities$54,037,585$57,340,851▲ $3,303,266
Accounts Payable and Accrued Expenses$224,449$240,416▲ $15,967
Total Liabilities$54,262,034$57,581,267▲ $3,319,233
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,724,288$9,456,561▲ $732,273
Total Liabilities and Net Assets / Fund Balance$62,986,322$67,037,828▲ $4,051,506

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,941,722$525,000$2,466,722
Equipment$81,341$1,198,677$1,280,018
Land$506,784-$506,784
Other Securities$4,624,049--
Compensation and Service Providers
Top Officer Pay12th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Brandy FieldingPresident/CEOFT$79,075$11,861$90,936

Board Members and Trustees

NameTitle
Doug WagnerBoard Chairman
Dave VossBoard Member
Eileen MaragnoBoard Member
Gary McgillivrayBoard Member
Marla KoplitzBoard Member
Mary JanosikBoard Member
Mary NestosBoard Member
Pat KollenBoard Member
Tj StreckerBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,295,095
Investment Income
$494,270
Other Revenue
$0
Change in Net Assets
$732,273
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,307,504
Salaries, Compensation, and Employee Benefits$749,588
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$523,641
Information Technology---$172,403
Advertising---$114,655
Office Expenses---$111,099
Occupancy---$80,936
Depreciation Depletion---$80,283
Current Officers, Directors, Trustees, and Key Employees---$79,075
Other Employee Benefits---$66,546
All Other Expenses---$58,005
Payroll Taxes---$54,596
Insurance---$50,713
Other Expenses---$42,559
Pension Plan Contributions---$25,730
Conferences and Meetings---$23,121
Fees for Services Management---$21,751
Fees for Services Accounting---$18,000
Total Functional Expenses$0$0$0$2,057,092
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$57,340,851
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
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

“The credit union has 6,121 members as of december 31, 2015.”

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

“Members of the credit union have the right to elect one or more members ofthe organization's governing body, whether periodically, as vacanciesarise, or otherwise.”

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

“Members of the creidt 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.”

Form 990, Part VI, Section B, Line 11

“The president/ceo reviews form 990 for accurancy. A copy of the 990 will be presented to the board of directors after it is filed.”

Form 990, Part VI, Section B, Line 12C

“Our employees annually complete a "employee and associated account disclosure" form where the employees list all family member accounts or anyother accounts where there could be a possible conflict of interest. That information is entered into our data processing systems and the system doesnot allow the employee to post transactions to those accounts.”

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

“The board sets the ceo's compensation upon employment based on an outside consultant's suggestions. The rate is adjusted annually based onperformance evaluations.”

Form 990, Part VI, Section C, Line 19

“We provide the annual report to members annually. Conflicts of interest policies and governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
White River Credit Union
EIN
91-0599107
Phone
3608254833
Address
PO BOX 35, ENUMCLAW, WA 98022

Signing Officer

Name
Brandy Fielding
Title
President/CEO
Phone
3608254833
Signed
2016-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Brandy Fielding
Formed
1952
Legal Domicile
Wa
Voting Board Members
9
Independent Board Members
9
Employees
26
Volunteers
12

Preparer

Firm
Hauser Jones & Sas Pllc
Address
10940 NE 33RD PLACE SUITE 100, BELLEVUE, WA 98004
Preparer
Roger a Jones CPA
Phone
4258891778
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 6

“The volunteers consist of the board members and supervisory board members. They provide regular oversight including reviews of policies, procedures, and monthly financial statements.”

Raw XML Appendix376 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/Desc0WHITE RIVER CREDIT UNION, LOCATED IN ENUMCLAW, WASHINGTON IS 6,121 MEMBERS STRONG WITH $67,037,828 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
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IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE QUALITY SERVICE TO OUR MEMBER/OWNERS AND A FULL RANGE OF COMPETITIVE FINANCIAL PRODUCTS WITH PERSONAL, CARING AND EFFICIENT SERVICE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt08724288
IRS990/NetAssetsOrFundBalancesEOYAmt09456561
IRS990/NetUnrelatedBusTxblIncmAmt0-376
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt080936
IRS990/OfficeExpensesGrp/TotalAmt0111099
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt02069970
IRS990/OtherAssetsTotalGrp/EOYAmt02339972
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt066546
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/Desc1PROFESSIONAL & OUTSIDE
IRS990/OtherExpensesGrp/Desc2DIVIDEND
IRS990/OtherExpensesGrp/Desc3PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/TotalAmt0245601
IRS990/OtherExpensesGrp/TotalAmt1229195
IRS990/OtherExpensesGrp/TotalAmt259183
IRS990/OtherExpensesGrp/TotalAmt342559
IRS990/OtherLiabilitiesGrp/BOYAmt054037585
IRS990/OtherLiabilitiesGrp/EOYAmt057340851
IRS990/OtherSalariesAndWagesGrp/TotalAmt0523641
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt024459584
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt023036756
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt054596
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt025730
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt086428
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt043557
IRS990/PrincipalOfficerNm0BRANDY FIELDING
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522291
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON MEMBER LOA
IRS990/ProgramServiceRevenueGrp/Desc1FEES AND OTHER CHARGES
IRS990/ProgramServiceRevenueGrp/Desc2NON-MEMBER ATM & OTHER
IRS990/ProgramServiceRevenueGrp/Desc3AUTO WARRANTIES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01480641
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1812009
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01480641
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1812009
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt22145
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3300
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt02145
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt1300
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0374821
IRS990/PYOtherExpensesAmt01149516
IRS990/PYOtherRevenueAmt0534
IRS990/PYProgramServiceRevenueAmt02469754
IRS990/PYRevenuesLessExpensesAmt0971090
IRS990/PYSalariesCompEmpBnftPaidAmt0724503
IRS990/PYTotalExpensesAmt01874019
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02845109
IRS990/ReconcilationRevenueExpnssAmt0732273
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08724288
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt09456561
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0439424
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0384778
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt01941722
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0525000
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02466722
IRS990ScheduleD/EquipmentGrp/BookValueAmt081341
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01198677
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt01280018
IRS990ScheduleD/LandGrp/BookValueAmt0506784
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0506784
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt057340851
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt033290000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1121333
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt24624049
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CATALYST PERPETUAL CONT CAP
IRS990ScheduleD/OtherSecuritiesGrp/Desc2PERFORMANCE TIER ACCT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02529847
IRS990ScheduleD/TotalBookValueSecuritiesAmt038035382
IRS990ScheduleD/TotalLiabilityAmt057340851
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE VOLUNTEERS CONSIST OF THE BOARD MEMBERS AND SUPERVISORY BOARD MEMBERS. THEY PROVIDE REGULAR OVERSIGHT INCLUDING REVIEWS OF POLICIES, PROCEDURES, AND MONTHLY FINANCIAL STATEMENTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION HAS 6,121 MEMBERS AS OF DECEMBER 31, 2015.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2MEMBERS OF THE CREDIT UNION HAVE THE RIGHT TO ELECT ONE OR MORE MEMBERS OFTHE ORGANIZATION'S GOVERNING BODY, WHETHER PERIODICALLY, AS VACANCIESARISE, OR OTHERWISE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERS OF THE CREIDT 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/SupplementalInformationDetail/ExplanationTxt4THE PRESIDENT/CEO REVIEWS FORM 990 FOR ACCURANCY. A COPY OF THE 990 WILL BE PRESENTED TO THE BOARD OF DIRECTORS AFTER IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5OUR EMPLOYEES ANNUALLY COMPLETE A "EMPLOYEE AND ASSOCIATED ACCOUNT DISCLOSURE" FORM WHERE THE EMPLOYEES LIST ALL FAMILY MEMBER ACCOUNTS OR ANYOTHER ACCOUNTS WHERE THERE COULD BE A POSSIBLE CONFLICT OF INTEREST. THAT INFORMATION IS ENTERED INTO OUR DATA PROCESSING SYSTEMS AND THE SYSTEM DOESNOT ALLOW THE EMPLOYEE TO POST TRANSACTIONS TO THOSE ACCOUNTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE BOARD SETS THE CEO'S COMPENSATION UPON EMPLOYMENT BASED ON AN OUTSIDE CONSULTANT'S SUGGESTIONS. THE RATE IS ADJUSTED ANNUALLY BASED ONPERFORMANCE EVALUATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7WE PROVIDE THE ANNUAL REPORT TO MEMBERS ANNUALLY. CONFLICTS OF INTEREST POLICIES AND GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt062986322
IRS990/TotalAssetsEOYAmt067037828
IRS990/TotalAssetsGrp/BOYAmt062986322
IRS990/TotalAssetsGrp/EOYAmt067037828
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt026
IRS990/TotalFunctionalExpensesGrp/TotalAmt02057092
IRS990/TotalGrossUBIAmt02445
IRS990/TotalLiabilitiesBOYAmt054262034
IRS990/TotalLiabilitiesEOYAmt057581267
IRS990/TotalLiabilitiesGrp/BOYAmt054262034
IRS990/TotalLiabilitiesGrp/EOYAmt057581267
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt08724288
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt09456561
IRS990/TotalOtherCompensationAmt011861
IRS990/TotalProgramServiceRevenueAmt02295095
IRS990/TotalReportableCompFromOrgAmt079075
IRS990/TotalRevenueGrp/ExclusionAmt0494270
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02292650
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02789365
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt02445
IRS990/TotalVolunteersCnt012
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt062986322
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt067037828
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 35
IRS990/USAddress/CityNm0ENUMCLAW
IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd098022
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.WHITERIVERCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0BRANDY FIELDING
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT/CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum03608254833
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-11-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WHITE RIVER CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WHIT
ReturnHeader/Filer/EIN0910599107
ReturnHeader/Filer/PhoneNum03608254833
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 35
ReturnHeader/Filer/USAddress/CityNm0ENUMCLAW
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd098022
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810987947
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HAUSER JONES & SAS PLLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010940 NE 33RD PLACE SUITE 100
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BELLEVUE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd098004
ReturnHeader/PreparerPersonGrp/PhoneNum04258891778
ReturnHeader/PreparerPersonGrp/PreparationDt02016-11-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROGER A JONES CPA
ReturnHeader/ReturnTs02016-11-15T14:19:38-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$67,037,828
Liabilities
$57,581,267
Net assets
$9,456,561
Revenue
$2,789,365
Expenses
$2,057,092
Net income
$732,273
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. 2015 filings • 501(c)14 • $50M-$100M nonprofits