RIVER VALLEY CREDIT UNION (EIN 386119310) - 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

1965

Legal Domicile

Principal Officer

Janelle Franke

Phone

6167877481

Tax Period

2025-01-01 to 2025-12-31

RIVER VALLEY CREDIT UNION, founded in 1965, is a community nonprofit that reported $7.0M in total revenue in fiscal year 2025. Expenses of $6.1M left a modest 13% surplus.

Mission

PROVIDE FINANCIAL SERVICES AND PRODUCTS TO MEMBERS.

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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 $5,934,455

Investment Income $1,046,920

Other Revenue $0

TOTAL REVENUE $6,981,375

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,321,549

Fundraising Expenses $0

Other Expenses $3,735,976

TOTAL EXPENSES $6,057,525

Year-over-Year Comparison

	2025	2024	Change
Revenue	$6,981,375	$6,596,608	+0.1%
Expenses	$6,057,525	$5,745,860	+0.1%
Net Income	$923,850	$850,748	+0.1%

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

$682,322

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JANELLE FRANKE	CEO	40.00	Officer	$217,782	$37,831	$255,613
KRISTA HUVER	Vice President	40.00	Officer	$152,862	$32,958	$185,820
ERIC CUTTER PHILLIPS	Vice President	40.00	Officer	$116,682	$30,403	$147,085
MARILYN KASPER	Vice President	40.00	Officer	$74,844	$18,960	$93,804
TERESA CUMMINGS	VICE PRESIDENT	40.00		$37,788	$6,293	$44,081
TED COURTER	Director	1.00	Director	$0	$0	$0
JUDY BEAL	Secretary	1.00	Director	$0	$0	$0
DANIELLE CALIENDO	Director	1.00	Director	$0	$0	$0
TIMOTHY HILE	Director	1.00	Director	$0	$0	$0
JAMES DETRICK	Director	1.00	Director	$0	$0	$0
SCOTT BOLES	Director	1.00	Director	$0	$0	$0
KURT HANSEN	Chairman	1.00	Director	$0	$0	$0

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	$6,981,375	$6,057,525	$119,768,283	$923,850
2024	$6,596,608	$5,745,860	$118,861,191	$850,748
2023	$6,251,594	$4,907,186	$120,399,657	$1,344,408
2022	$6,576,697	$4,347,821	$128,937,343	$2,228,876
2021	$4,948,974	$3,851,956	$126,081,454	$1,097,018
2020	$4,765,360	$5,036,673	$112,413,060	$-271,313
2019	$4,886,643	$4,116,156	$92,161,008	$770,487
2018	$4,642,594	$4,121,349	$91,555,314	$521,245

RIVER VALLEY CREDIT UNION