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Nonprofit · EIN 23-7209589

RIVER TO RIVER CREDIT UNION

Tax-exempt · VIENNA, IL 62995

Financials

$1.2M$815K2023$1.5M$904K2024$1.7M$962K2025
Revenue Expenses · by fiscal year end
Financials of RIVER TO RIVER CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$1,696,461$962,340$734,121$29,021,830$25,002,215$4,019,615
December 31, 2024990$1,515,333$904,269$611,064$26,722,239$23,436,745$3,285,494
December 31, 2023990$1,216,594$815,074$401,520$25,683,854$23,009,424$2,674,430
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$1,197,209
Investment income
$499,252
Other revenue
$0

Expenses

Grants and similar amounts paid
$0
Compensation of officers, directors and key employees
$194,959
Other salaries and wages
$127,503
Salaries, compensation and benefits (total)
$358,401
Professional fundraising fees
$0
Legal fees
$2,238
Accounting fees
$17,732
Occupancy
$25,310
Travel
$3,299
Depreciation
$31,880

Balance sheet and other

Total assets, start of year
$26,722,239
Total assets, end of year
$29,021,830
Total liabilities, end of year
$25,002,215
Net assets, end of year
$4,019,615
Land, buildings and equipment
$227,637
Gross unrelated business income
$1,686
Gross receipts
$1,696,461
Employees
6
Volunteers
8
Year formed
1972
State of legal domicile
IL

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2025, highest compensation first.

NameTitleHours / weekCompensationOther / benefits
STEVEN SANDERSPRESIDENT/CEO
Trustee or director, Officer
40$106,788$13,340
SHANNON KERLEYVICE PRESIDENT
Officer
40$63,727$11,104
LARRY MCGILLCHAIRMAN
Trustee or director
0.5$0$0
KENNETH WIGGSVICE CHAIRMAN
Trustee or director
0.5$0$0
SHEILA REICHERTTREASURER
Trustee or director
0.5$0$0
BETTY HEATONSECRETARY
Trustee or director
0.5$0$0
HALEY PERZEEDIRECTOR/SUPERVISORY COMMI
Trustee or director
0.5$0$0
JEANNIE HOUSEWRIGHTDIRECTOR/SUPERVISORY COMMI
Trustee or director
0.5$0$0
JAMES BAILEYDIRECTOR/SUPERVISORY COMMI
Trustee or director
0.5$0$0
JEFF DENNISONDIRECTOR
Trustee or director
0.5$0$0
990 for the year ended December 31, 2024: 9 people
NameTitleHours / weekCompensation
STEVEN SANDERSPRESIDENT/CEO
Trustee or director, Officer
40$103,330
LARRY MCGILLCHAIRMAN
Trustee or director
0.5$0
KENNETH WIGGSVICE CHAIRMAN
Trustee or director
0.5$0
SHEILA REICHERTTREASURER
Trustee or director
0.5$0
BETTY HEATONSECRETARY
Trustee or director
0.5$0
HALEY PERZEEDIRECTOR/SUPERVISORY COMMI
Trustee or director
0.5$0
JEANNIE HOUSEWRIGHTDIRECTOR/SUPERVISORY COMMI
Trustee or director
0.5$0
JAMES BAILEYDIRECTOR/SUPERVISORY COMMI
Trustee or director
0.5$0
JEFF DENNISONDIRECTOR
Trustee or director
0.5$0
990 for the year ended December 31, 2023: 9 people
NameTitleHours / weekCompensationOther / benefits
STEVEN SANDERSPRESIDENT/CEO
Trustee or director, Officer
40$96,983$15,771
LARRY MCGILLCHAIRMAN
Trustee or director
0.5$0$0
KENNETH WIGGSVICE CHAIRMAN
Trustee or director
0.5$0$0
SHEILA REICHERTTREASURER
Trustee or director
0.5$0$0
BETTY HEATONSECRETARY
Trustee or director
0.5$0$0
HALEY PERZEEDIRECTOR/SUPERVISORY COMMITTEE CHAIR
Trustee or director
0.5$0$0
JEANNIE HOUSEWRIGHTDIRECTOR/SUPERVISORY COMMITTEE
Trustee or director
0.5$0$0
JAMES BAILEYDIRECTOR/SUPERVISORY COMMITTEE
Trustee or director
0.5$0$0
JEFF DENNISONDIRECTOR
Trustee or director
0.5$0$0

Address and contacts

Address (IRS master file)
PO BOX 516, VIENNA, IL 62995-0516
Principal officer (990 for 2025)
STEVEN SANDERS, 1895 STATE ROUTE 146 EAST, VIENNA, IL 629952850
Signed the 990
STEVEN SANDERS, PRESIDENT/CEO
Phone
(618) 658-8312
Website
R2RCU.COM
Return prepared by
J TENBRINK & ASSOCIATES

Mission

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.

990 for the year ended December 31, 2025

Program accomplishments

  • 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.

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
23-7209589
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1972
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$29,021,830
Income (IRS master file)
$1,696,461

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$1,696,461$962,340$29,021,830XML
990December 2024$1,515,333$904,269$26,722,239XML
990December 2023$1,216,594$815,074$25,683,854XML
990December 2022$856,264$708,900$26,885,610IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2019–––IRS
990December 2018–––IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 23-7209589).

Questions about RIVER TO RIVER CREDIT UNION

What is the EIN of RIVER TO RIVER CREDIT UNION?
The employer identification number (EIN) of RIVER TO RIVER CREDIT UNION is 23-7209589.
Is RIVER TO RIVER CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1972.
Are donations to RIVER TO RIVER CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does RIVER TO RIVER CREDIT UNION file?
Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of RIVER TO RIVER CREDIT UNION due?
The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
When did RIVER TO RIVER CREDIT UNION last file with the IRS?
The latest return in the IRS public files is the 990 for the year ended December 2025.
Who is the principal officer of RIVER TO RIVER CREDIT UNION?
The 990 for the year ended December 31, 2025 names STEVEN SANDERS.
Who are the officers and directors of RIVER TO RIVER CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 10 people; 2 received compensation from the organization, the highest $106,788 (STEVEN SANDERS, PRESIDENT/CEO).
How much revenue does RIVER TO RIVER CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $1,696,461, expenses of $962,340 and total assets of $29,021,830 at year end.

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