Riverside Community Credit Union (EIN 362889811) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1976

Legal Domicile

Principal Officer

Melissa Bayston

Phone

8159331101

Tax Period

2025-01-01 to 2025-12-31

Riverside Community Credit Union, founded in 1976, is a community nonprofit that reported $2.4M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $628K, a strong 26% operating margin.

Mission

State chartered credit union providing quality financial services

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,681,853

Investment Income $706,932

Other Revenue $0

TOTAL REVENUE $2,388,785

Expense Breakdown

Grants Paid $0

Salaries & Benefits $618,922

Fundraising Expenses $0

Other Expenses $1,142,060

TOTAL EXPENSES $1,760,982

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,388,785	$2,150,955	+0.1%
Expenses	$1,760,982	$1,648,612	+0.1%
Net Income	$627,803	$502,343	+0.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$227,369

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dale Tolly	Chairman	5.00	Officer Director	$0	$0	$0
Vern Mitchell	Vice Chairman	5.00	Officer Director	$0	$0	$0
Dick Diepeveen	Treasurer	5.00	Officer Director	$0	$0	$0
Ron Ruda	Secretary	5.00	Officer Director	$0	$0	$0
Kyle Hansen	Board member	4.00	Director	$0	$0	$0
Natisha Morefield	Board member	4.00	Director	$0	$0	$0
Mike Baker	Board member	4.00	Director	$0	$0	$0
Melissa Bayston	Co-CEO	40.00	Officer	$101,915	$3,057	$104,972
Stacey Shreffler	Co-CEO	40.00	Officer	$110,289	$12,108	$122,397

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$2,388,785	$1,760,982	$45,798,966	$627,803
2024	$2,150,955	$1,648,612	$42,477,377	$502,343
2023	$1,953,903	$1,461,863	$41,867,813	$492,040
2022	$1,767,244	$1,344,577	$42,937,211	$422,667
2021	$1,491,489	$1,340,232	$43,340,686	$151,257
2020	$1,470,704	$1,341,205	$38,799,156	$129,499
2019	$1,561,777	$1,438,310	$31,869,516	$123,467
2018	$1,498,846	$1,274,020	$31,007,516	$224,826

Riverside Community Credit Union