2026-06-27T05:06:31-05:00 2025-12-31 810781371 J TENBRINK & ASSOCIATES 11272 S RIDGEVIEW RD OLATHE KS 660616454 990 2025-01-01 237209589 RIVER TO RIVER CREDIT UNION RIVE 6186588312 PO BOX 516 VIENNA IL 629950516 STEVEN SANDERS PRESIDENT/CEO 6186588312 2026-06-27 1 GERALD TENBRINK P00638199 9138946214 2026-06-24 2025 2025-03-06 01:10:19Z STEVEN SANDERS 1895 STATE ROUTE 146 EAST VIENNA IL 629952850 1696461 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 6 8 1686 0 0 0 1066884 1197209 448449 499252 0 0 1515333 1696461 0 0 0 0 348232 358401 0 0 0 556037 603939 904269 962340 611064 734121 26722239 29021830 23436745 25002215 3285494 4019615 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 2,421 MEMBERS. PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2025, THERE WERE 1,140 LOANS OUTSTANDING TOTALING $15,175,763. PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $110,323 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 1 921 0 1 6 1 0 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 COMMI 0.50 X 0 0 0 JEANNIE HOUSEWRIGHT DIRECTOR/SUPERVISORY COMMI 0.50 X 0 0 0 JAMES BAILEY DIRECTOR/SUPERVISORY COMMI 0.50 X 0 0 0 JEFF DENNISON DIRECTOR 0.50 X 0 0 0 STEVEN SANDERS PRESIDENT/CEO 40.00 X X 106788 0 13340 SHANNON KERLEY VICE PRESIDENT 40.00 X 63727 0 11104 170515 0 24444 1 0 0 0 0 INTEREST ON LOANS 522100 977909 977909 FEES & OTHER INCOME 522100 219300 217614 1686 1197209 499252 499252 1696461 1694775 1686 0 X 194959 127503 6568 3834 25537 2238 17732 120653 1798 220246 25310 3299 35 31880 532 MEMBER DIVIDENDS 110323 PROVISION FOR LOAN LOSS 40431 LOAN SERVICING 12583 16879 962340 467748 170585 12384774 13058464 13350917 15142371 14691 12830 1258688 1031051 216028 227637 118400 288081 291543 26722239 29021830 55559 61949 23381186 24940266 23436745 25002215 X 0 0 0 0 3285494 4019615 3285494 4019615 26722239 29021830 734121 0 X 0 0 0 15000 15000 517175 345016 172159 726513 686035 40478 227637 MEMBER SHARE DEPOSITS 24940266 24940266 JAMIE KERLEY SPOUSE OF SHANNON KERLEY, VP 1425 MOWING SERVICES 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. FORM 990, PART IX, LINE 11G EXAMINATION/SUPERVISION 12,010. OTHER OUTSIDE PROFESSIONAL SERVICES 108,643.