RIVERFALL CREDIT UNION (EIN 630436631) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1953

Legal Domicile

Principal Officer

SCOTT RYAN

Phone

2057591505

Tax Period

2023-01-01 to 2023-12-31

RIVERFALL CREDIT UNION, founded in 1953, is a community nonprofit that reported $5.2M in total revenue in fiscal year 2018. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $936K, a strong 18% operating margin.

Mission

TO PROVIDE THRIFT OPPORTUNITIES AND LOW COST LOANS TO MEMBERS

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $4,808,805

Investment Income $1,201,327

Other Revenue $2,163,723

TOTAL REVENUE $8,173,855

Expense Breakdown

Grants Paid $7,500

Salaries & Benefits $2,162,859

Fundraising Expenses $0

Other Expenses $5,334,642

TOTAL EXPENSES $7,505,001

Year-over-Year Comparison

	2023	2022	Change
Revenue	$8,173,855	$6,975,921	+0.2%
Expenses	$7,505,001	$5,941,360	+0.3%
Net Income	$668,854	$1,034,561	-0.4%

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

$344,934

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NEAL GUY	CHAIRMAN	1.00	Director	$0	$0	$0
GREG HURST	BOARD TREASURER	1.00	Director	$0	$0	$0
MARLON MURRAY	DIRECTOR	1.00	Director	$0	$0	$0
DON KELLY	DIRECTOR	1.00	Director	$0	$0	$0
ANDREA FANNIN	SECRETARY	1.00	Director	$0	$0	$0
NANCY TERRY	DIRECTOR	1.00	Director	$0	$0	$0
JACK GIBSON	VICE CHAIRMAN	1.00	Director	$0	$0	$0
SCOTT RYAN	CEO	40.00	Officer	$144,191	$6,077	$150,268
SUSAN HANNAH	COO	40.00	Officer	$94,440	$11,171	$105,611
KAY LACKEY	VICE PRESIDENT LENDING	40.00	Officer	$78,695	$10,360	$89,055

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$8,173,855	$7,505,001	$162,354,260	$668,854
2022	$6,975,921	$5,941,360	$159,794,835	$1,034,561
2021	$6,496,831	$5,504,255	$164,737,507	$992,576
2020	$6,081,947	$5,496,079	$151,929,371	$585,868
2019	$5,757,149	$4,883,061	$126,564,995	$874,088
2018	$5,150,316	$4,214,622	$119,473,574	$935,694

RIVERFALL CREDIT UNION