RIVERVIEW CREDIT UNION

EIN: 416031223

SOUTH SAINT PAUL, MN

Total Revenue
$410,846
Total Expenses
$390,283
Total Assets
$7,768,145
Net Assets
$1,278,210
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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
1931
Legal Domicile
MN
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.

Program Service Accomplishments

Program 1

THE CREDIT UNION HAS VARIOUS TYPES OF DEPOSIT ACCOUNTS AVAILABLE FOR OUR MEMBERS. WE OPENED 11 NEW DEPOSIT ACCOUNTS IN 2025. AS OF 12/31/25 WE HAD 441 MEMBERS.

Program 2

THE CREDIT UNION HAS SEVERAL TYPES OF LOAN PROGRAMS AVAILABLE FOR OUR MEMBERS. WE FUNDED 53 NEW LOANS DURING 2025. AS OF 12/31/25 WE HAD 265 LOANS RECEIVABLE.

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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%)

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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
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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

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Governance

Voting Members
5
Independent Members
4
Employees
2
Volunteers
6

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
4
$126,789
Total Directors
5
$126,789
Key Employees
0
$0
Highest Compensated
0
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
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