2024-05-13T14:42:21-05:00 2023-12-31 810781371 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 660616454 990 2023-01-01 237209589 RIVER TO RIVER CREDIT UNION RIVE 6186588312 PO BOX 516 VIENNA IL 629950516 STEVEN SANDERS PRESIDENT/CEO 6186588312 2024-05-13 1 STEVEN SANDERS 999009999 0 GERALD TENBRINK P00638199 9138946214 2024-05-13 2 AAL1 IAL1 2023 2023-04-26 12:10:37Z STEVEN SANDERS 1895 STATE ROUTE 146 EAST VIENNA IL 629952850 1216594 0 X R2RCU.COM X 1972 IL RIVER TO RIVER CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION DEDICATED TO PROVIDING A WIDE RANGE OF PRODUCTS AND SERVICES IN A FRIENDLY ATMOSPHERE WHILE MAINTAINING LONG TERM FINANCIAL STABILITY. 9 8 8 8 1262 0 0 0 701319 859808 154945 356786 0 0 856264 1216594 0 0 0 0 311082 337928 0 0 0 397818 477146 708900 815074 147364 401520 26885610 25683854 24612700 23009424 2272910 2674430 RIVER TO RIVER CREDIT UNION IS A MEMBER OWNED FINANCIAL INSTITUTION DEDICATED TO PROVIDING A WIDE RANGE OF PRODUCTS AND SERVICES IN A FRIENDLY ATMOSPHERE WHILE MAINTAINING LONG TERM FINANCIAL STABILITY. 0 0 PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 2,327 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2023, THERE WERE 1,017 LOANS OUTSTANDING TOTALING $12,161,575. PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $62,466 FOR THE YEAR. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 1 711 0 1 8 1 1 1 0 0 0 0 0 0 0 X 9 8 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 0 0 1 1 0 X STEVEN SANDERS 6186588312 1895 STATE ROUTE 146 EAST VIENNA IL 629952850 LARRY MCGILL CHAIRMAN 0.50 X 0 0 0 KENNETH WIGGS VICE CHAIRMAN 0.50 X 0 0 0 SHEILA REICHERT TREASURER 0.50 X 0 0 0 BETTY HEATON SECRETARY 0.50 X 0 0 0 HALEY PERZEE DIRECTOR/SUPERVISORY COMMITTEE CHAIR 0.50 X 0 0 0 JEANNIE HOUSEWRIGHT DIRECTOR/SUPERVISORY COMMITTEE 0.50 X 0 0 0 JAMES BAILEY DIRECTOR/SUPERVISORY COMMITTEE 0.50 X 0 0 0 JEFF DENNISON DIRECTOR 0.50 X 0 0 0 STEVEN SANDERS PRESIDENT/CEO 40.00 X X 96983 0 15771 96983 0 15771 0 0 0 0 0 INTEREST ON LOANS 522100 645162 645162 FEES & OTHER INCOME 522100 214646 213384 1262 859808 356786 356786 1216594 1215332 1262 0 112754 177225 9366 13916 24667 112 22218 89746 1269 176109 26825 3580 22 31664 23214 MEMBER DIVIDENDS 62466 LOAN SERVICING 14127 ASSOCIATION DUES 11042 PROVISION FOR LOAN LOSS 8277 6475 815074 447287 566468 14934462 12480819 10970518 12120517 16931 14473 1182161 969033 239638 213128 276774 288449 26885610 25683854 45144 40049 24567556 22969375 24612700 23009424 X 0 0 0 0 2272910 2674430 2272910 2674430 26885610 25683854 401520 0 X 0 0 0 15000 15000 480257 314141 166116 686904 654892 32012 213128 MEMBER SHARE DEPOSITS 22969375 22969375 CYNTHIA WATERS TELLER SISTER OF KENNETH WIGGS, BOARD VICE CHAIRMAN 33214 COMPENSATION 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS. FORM 990, PART VI, SECTION A, LINE 7B CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY CREDIT UNION MANAGEMENT AND APPROVED BY THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION B, LINE 12C ON AN ANNUAL BASIS, THE PRESIDENT, DIRECTORS, AND COMMITTEE MEMBERS ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION. FORM 990, PART VI, SECTION B, LINE 15 THE PERSONNEL COMMMITTEE MEETS, REVIEWS ICUL COMPENSATION DATA, AND MAKES RECOMMENDATIONS TO THE BOARD OF DIRECTORS FOR THEIR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE MINUTES. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION,THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.