RIVER COMMUNITY CREDIT UNION (EIN 420453085) - 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

1928

Legal Domicile

Principal Officer

NATHAN BISSELL

Phone

6416846302

Tax Period

2025-01-01 to 2025-12-31

RIVER COMMUNITY CREDIT UNION, founded in 1928, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2025. The organization ran a surplus of $399K, a strong 21% operating margin.

Mission

PROVIDE FINANCIAL SERVICES TO MEMBERS INCLUDING DEPOSIT AND LOAN PROGRAMS

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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 $1,271,518

Investment Income $350,773

Other Revenue $293,401

TOTAL REVENUE $1,915,692

Expense Breakdown

Grants Paid $0

Salaries & Benefits $426,190

Fundraising Expenses $0

Other Expenses $1,090,298

TOTAL EXPENSES $1,516,488

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,915,692	$1,833,486	+0.0%
Expenses	$1,516,488	$1,489,413	+0.0%
Net Income	$399,204	$344,073	+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

N/A

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

$105,027

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NATHAN BISSELL	CEO	40.00	Officer	$105,027	$0	$105,027
JEFF BOX	CREDIT COMM	N/A	Director	$0	$0	$0
DEANNE FEAR	SECRETARY	N/A	Director	$0	$0	$0
HERB GREENFIELD	CHAIR	N/A	Officer Director	$0	$0	$0
VICKI HARTER	AUDIT COMMIT	N/A	Director	$0	$0	$0
DAVE MCMILLIN	PRESIDENT	N/A	Officer Director	$0	$0	$0
PATRICIA MEYER	CHAIR AUDIT	N/A	Officer Director	$0	$0	$0
R BRIAN MORGAN	AUDIT COMMIT	N/A	Director	$0	$0	$0
BRAD PAYNE	VICE-CHAIRPE	N/A	Officer Director	$0	$0	$0
JD WHEATON	CREDIT COMMI	N/A	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	$1,915,692	$1,516,488	$29,088,923	$399,204
2024	$1,833,486	$1,489,413	$29,574,676	$344,073
2023	$1,572,380	$1,268,734	$28,899,207	$303,646
2022	$1,176,087	$1,041,372	$25,701,753	$134,715
2021	$1,185,685	$1,025,013	$24,868,449	$160,672
2020	$1,158,972	$929,273	$22,743,388	$229,699
2019	$1,130,208	$940,438	$18,647,108	$189,770
2018	$1,015,434	$869,688	$19,163,892	$145,746

RIVER COMMUNITY CREDIT UNION