RIVERVIEW CREDIT UNION (EIN 416031223) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1931

Legal Domicile

Principal Officer

JULIA HAVENS

Phone

6512244631

Tax Period

2025-01-01 to 2025-12-31

RIVERVIEW CREDIT UNION, founded in 1931, is a small nonprofit that reported $411K in total revenue in fiscal year 2025. Expenses of $390K left a modest 5% surplus.

Mission

TO PROVIDE COURTEOUS, PROFESSIONAL, AND COMPETITIVE FINANCIAL SERVICES TO MEET THE NEEDS OF OUR MEMBERS WHILE MAINTAINING ACCURATE AND EFFICIENT OPERATIONS TO SAFEGUARD OUR MEMBERS ASSETS.

🔒

Trantor Score

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

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $371,091

Investment Income $39,315

Other Revenue $440

TOTAL REVENUE $410,846

Expense Breakdown

Grants Paid $500

Salaries & Benefits $192,229

Fundraising Expenses $0

Other Expenses $197,554

TOTAL EXPENSES $390,283

Year-over-Year Comparison

	2025	2024	Change
Revenue	$410,846	$389,223	+0.1%
Expenses	$390,283	$366,873	+0.1%
Net Income	$20,563	$22,350	-0.1%

Key Indicators

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

🔒

Financial Health Indicators

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

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$126,789

Total Directors

$126,789

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JULIA HAVENS	PRESIDENT &	45.00	Officer Director	$118,012	$8,777	$126,789
TAMARA SNAZA	CHAIR	0.50	Officer Director	$0	$0	$0
RICHARD BAUER	VICE CHAIR	0.50	Officer Director	$0	$0	$0
WARREN MITCHELL	SECRETARY	0.50	Officer Director	$0	$0	$0
STEVEN HIRTE	DIRECTOR	0.50	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	$410,846	$390,283	$7,768,145	$20,563
2024	$389,223	$366,873	$7,529,375	$22,350
2023	$385,006	$330,662	$7,498,185	$54,344
2022	$356,408	$307,209	$7,759,280	$49,199
2021	$320,830	$277,954	$7,845,773	$42,876
2020	$291,625	$275,647	$7,243,830	$15,978
2019	$304,320	$260,355	$6,344,133	$43,965
2018	$287,186	$252,581	$5,732,828	$34,605

RIVERVIEW CREDIT UNION