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River To River Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Details

According to its Dec. 2024 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$1.52M (2024)

Expenses
$904k (2024)

Total Assets
$26.7M (2024)

Total Liabilities
$23.4M (2024)

Source: Form 990 tax filings from 2011 to 2024

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2024

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,515,333
Expenses
$904,269
Net Income
$611,064
Net Assets
$3,285,494
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $1,066,884
70.4%
Investment Income $448,449
29.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $103,330
11.4%
Professional Fundraising Fees $0
Other Salaries and Wages $183,083
20.2%
Assets/Debt
Total Assets $26,722,239
Total Liabilities $23,436,745
Net Assets $3,285,494
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Steven Sanders (President/Ceo) $103,330 $0 $0
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sheila Reichert (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
Haley Perzee (Director/Supervisory Commi) $0 $0 $0
Jeannie Housewright (Director/Supervisory Commi) $0 $0 $0
James Bailey (Director/Supervisory Commi) $0 $0 $0
Jeff Dennison (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$1,216,594
Expenses
$815,074
Net Income
$401,520
Net Assets
$2,674,430
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $859,808
70.7%
Investment Income $356,786
29.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $112,754
13.8%
Professional Fundraising Fees $0
Other Salaries and Wages $177,225
21.7%
Assets/Debt
Total Assets $25,683,854
Total Liabilities $23,009,424
Net Assets $2,674,430
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Steven Sanders (President/Ceo) $96,983 $0 $15,771
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sheila Reichert (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
Haley Perzee (Director/Supervisory Committee Chair) $0 $0 $0
Jeannie Housewright (Director/Supervisory Committee) $0 $0 $0
James Bailey (Director/Supervisory Committee) $0 $0 $0
Jeff Dennison (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$856,264
Expenses
$708,900
Net Income
$147,364
Net Assets
$2,272,910
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $701,319
81.9%
Investment Income $154,945
18.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $104,363
14.7%
Professional Fundraising Fees $0
Other Salaries and Wages $160,896
22.7%
Assets/Debt
Total Assets $26,885,610
Total Liabilities $24,612,700
Net Assets $2,272,910
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Steven Sanders (President/Ceo/Director) $89,135 $0 $15,228
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sheila Reichert (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
Haley Perzee (Director/Supervisory Committee Chair) $0 $0 $0
Jeannie Housewright (Director/Supervisory Committee) $0 $0 $0
James Bailey (Director/Supervisory Committee) $0 $0 $0
Jeff Dennison (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$795,583
Expenses
$660,671
Net Income
$134,912
Net Assets
$2,125,546
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $749,651
94.2%
Investment Income $45,932
5.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $101,375
15.3%
Professional Fundraising Fees $0
Other Salaries and Wages $147,608
22.3%
Assets/Debt
Total Assets $26,266,190
Total Liabilities $24,140,644
Net Assets $2,125,546
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Steven Sanders (President/Ceo/Director) $86,670 $0 $14,705
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sharon Robbs (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
Haley Perzee (Director/Supervisory Committee Chairman) $0 $0 $0
Kim Vaughn (Director/Supervisory Committee) $0 $0 $0
James Bailey (Director/Supervisory Committee) $0 $0 $0
Jeannie Housewright (Director) $0 $0 $0
Sheila Reichert (Director) $0 $0 $0
Jeff Dennison (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$827,659
Expenses
$647,846
Net Income
$179,813
Net Assets
$1,995,642
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $708,823
85.6%
Investment Income $118,836
14.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $96,533
14.9%
Professional Fundraising Fees $0
Other Salaries and Wages $153,532
23.7%
Assets/Debt
Total Assets $23,420,972
Total Liabilities $21,425,330
Net Assets $1,995,642
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Steven Sanders (President/Ceo/Director) $85,428 $0 $11,105
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sharon Robbs (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
Haley Perzee (Director/Supervisory Committee Chairman) $0 $0 $0
Kim Vaughn (Director/Supervisory Committee) $0 $0 $0
James Bailey (Director/Supervisory Committee) $0 $0 $0
Jeannie Housewright (Director) $0 $0 $0
Sheila Reichert (Director) $0 $0 $0
Kevin Dowdy (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$892,692
Expenses
$739,940
Net Income
$152,752
Net Assets
$1,815,829
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $738,186
82.7%
Investment Income $154,506
17.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $156,816
21.2%
Professional Fundraising Fees $0
Other Salaries and Wages $162,251
21.9%
Assets/Debt
Total Assets $19,691,395
Total Liabilities $17,875,566
Net Assets $1,815,829
Compensation
Key Employees and Officers Compensation Related Other
Sheila Reichert (President/Ceo/Director) $93,622 $0 $15,535
Steven Sanders (Executive Vice President) $44,000 $0 $3,659
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sharon Robbs (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
James Bailey (Director/Supervisory Committee Chairman) $0 $0 $0
Patty Bundren (Director/Supervisory Committee) $0 $0 $0
Haley Perzee (Director/Supervisory Committee) $0 $0 $0
Jeannie Housewright (Director) $0 $0 $0
Pete Ryan (Director) $0 $0 $0
Kevin Dowdy (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$831,952
Expenses
$686,593
Net Income
$145,359
Net Assets
$1,663,077
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $723,687
87.0%
Investment Income $108,265
13.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $103,498
15.1%
Professional Fundraising Fees $0
Other Salaries and Wages $145,731
21.2%
Assets/Debt
Total Assets $18,064,102
Total Liabilities $16,401,025
Net Assets $1,663,077
Compensation
Key Employees and Officers Compensation Related Other
Sheila Reichert (President/Ceo/Director) $87,619 $0 $15,879
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sharon Robbs (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
Haley Perzee (Director) $0 $0 $0
Jeannie Housewright (Director) $0 $0 $0
Peter Ryan (Director) $0 $0 $0
Patty Bundren (Director) $0 $0 $0
James Bailey (Director/Supervisory Committee Chairman) $0 $0 $0
Kevin Dowdy (Director/Supervisory Committee) $0 $0 $0
Chris Taylor (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$709,586
Expenses
$646,333
Net Income
$63,253
Net Assets
$1,517,718
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $631,607
89.0%
Investment Income $77,979
11.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $100,610
15.6%
Professional Fundraising Fees $0
Other Salaries and Wages $146,913
22.7%
Assets/Debt
Total Assets $18,259,164
Total Liabilities $16,741,446
Net Assets $1,517,718
Compensation
Key Employees and Officers Compensation Related Other
Sheila Reichert (President/Ceo/Director) $85,479 $0 $15,131
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sharon Robbs (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
Haley Perzee (Director) $0 $0 $0
Jeannie Housewright (Director) $0 $0 $0
Peter Ryan (Director) $0 $0 $0
Kevin Dowdy (Director) $0 $0 $0
James Bailey (Director/Supervisory Committee Chairman) $0 $0 $0
Chris Taylor (Director/Supervisory Committee) $0 $0 $0
Davis Prewitt (Director/Supervisory Committee) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$682,219
Expenses
$619,462
Net Income
$62,757
Net Assets
$1,454,465
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $620,084
90.9%
Investment Income $62,135
9.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $100,989
16.3%
Professional Fundraising Fees $0
Other Salaries and Wages $141,136
22.8%
Assets/Debt
Total Assets $17,880,771
Total Liabilities $16,426,306
Net Assets $1,454,465
Compensation
Key Employees and Officers Compensation Related Other
Sheila Reichert (President/Ceo/Director) $84,607 $0 $16,382
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sharon Robbs (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
James Bailey (Director) $0 $0 $0
Jeannie Housewright (Director) $0 $0 $0
Haley Perzee (Director) $0 $0 $0
Davis Prewitt (Director) $0 $0 $0
Peter Ryan (Director) $0 $0 $0
Chris Taylor (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$636,748
Expenses
$566,391
Net Income
$70,357
Net Assets
$1,391,708
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $590,443
92.7%
Investment Income $46,305
7.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $97,690
17.2%
Professional Fundraising Fees $0
Other Salaries and Wages $135,860
24.0%
Assets/Debt
Total Assets $17,645,790
Total Liabilities $16,254,082
Net Assets $1,391,708
Compensation
Key Employees and Officers Compensation Related Other
Sheila Reichert (President/Ceo/Director) $82,947 $0 $14,743
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sharon Robbs (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
James Bailey (Director) $0 $0 $0
Jeannie Housewright (Director) $0 $0 $0
Haley Perzee (Director) $0 $0 $0
Davis Prewitt (Director) $0 $0 $0
Peter Ryan (Director) $0 $0 $0
Chris Taylor (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$637,150
Expenses
$565,819
Net Income
$71,331
Net Assets
$1,321,351
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $598,968
94.0%
Investment Income $38,182
6.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $97,990
17.3%
Professional Fundraising Fees $0
Other Salaries and Wages $137,777
24.4%
Assets/Debt
Total Assets $16,571,548
Total Liabilities $15,250,197
Net Assets $1,321,351
Compensation
Key Employees and Officers Compensation Related Other
Sheila Reichert (President/Ceo/Director) $81,336 $0 $16,654
Larry Mcgill (Chairman) $0 $0 $0
Kenneth Wiggs (Vice Chairman) $0 $0 $0
Sharon Robbs (Treasurer) $0 $0 $0
Betty Heaton (Secretary) $0 $0 $0
James Bailey (Director) $0 $0 $0
Jeannie Housewright (Director) $0 $0 $0
Haley Perzee (Director) $0 $0 $0
Davis Prewitt (Director) $0 $0 $0
Peter Ryan (Director) $0 $0 $0
Chris Taylor (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$652,434
Expenses
$598,124
Net Income
$54,310
Net Assets
$1,250,020
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $626,848
96.1%
Investment Income $25,586
3.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $95,857
16.0%
Professional Fundraising Fees $0
Other Salaries and Wages $123,530
20.7%
Assets/Debt
Total Assets $15,881,081
Total Liabilities $14,631,061
Net Assets $1,250,020
Compensation
Key Employees and Officers Compensation Related Other
Sheila Reichert (President/Ceo/Director) $80,125 $0 $15,562
Larry Mcgill (Chairman) $0 $0 $17
Herbert Buche Jr (Vice Chairman) $0 $0 $17
Sharon Robbs (Treasurer) $0 $0 $17
Kenneth Wiggs (Secretary) $0 $0 $17
James Bailey (Director) $0 $0 $17
James Rouse (Director) $0 $0 $17
Chris Taylor (Director) $0 $0 $17
Betty Heaton (Director) $0 $0 $17
Davis Prewitt (Director) $0 $0 $17
Pete Ryan (Director) $0 $0 $17

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$655,600
Expenses
$594,835
Net Income
$60,765
Net Assets
$1,195,710
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $634,565
96.8%
Investment Income $21,035
3.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $91,879
15.4%
Professional Fundraising Fees $0
Other Salaries and Wages $132,833
22.3%
Assets/Debt
Total Assets $15,315,487
Total Liabilities $14,119,777
Net Assets $1,195,710

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$676,168
Expenses
$618,610
Net Income
$57,558
Net Assets
$1,134,945
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $662,792
98.0%
Investment Income $13,376
2.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $85,335
13.8%
Professional Fundraising Fees $0
Other Salaries and Wages $122,352
19.8%
Assets/Debt
Total Assets $14,021,511
Total Liabilities $12,886,566
Net Assets $1,134,945

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

What Is This Data?

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

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Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

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