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Ripco Credit Union

  • Rhinelander, WI
  • EIN: 39-0571035

Organization summary

Organization summary might be incomplete or out of date

This organization is not listed in the IRS's most recent list of tax exempt organizations, but we have data associated with this Employer Identification Number.

Type of Nonprofit

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

Summary charts: organization finances over time

Revenue
$9.59M (2023)

Expenses
$8.8M (2023)

Total Assets
$181M (2023)

Total Liabilities
$165M (2023)

Source: Form 990 tax filings from 2011 to 2023

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.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,591,257
Expenses
$8,804,298
Net Income
$786,959
Net Assets
$15,740,522
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,909,477
82.5%
Investment Income $1,702,992
17.8%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$21,212
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $502,655
5.7%
Professional Fundraising Fees $0
Other Salaries and Wages $2,485,409
28.2%
Assets/Debt
Total Assets $180,873,404
Total Liabilities $165,132,882
Net Assets $15,740,522
Compensation
Key Employees and Officers Compensation Related Other
Jennifer Grinder (President/Ceo) $220,830 $0 $18,326
Stephanie Laska (Cfo) $146,814 $0 $5,475
Pamela M Chitko (Vp Of Lending) $100,324 $0 $2,759
Veronika Baron (Interim President/Ceo (Thru Sep.)) $81,590 $0 $10,070
Steven Ferch (Chairman) $4,500 $0 $0
Heather Schallock (Vice Chairman) $3,200 $0 $0
Rick Zoerb (Director) $2,600 $0 $0
Maggie Steffen (Secretary/Treasurer) $2,550 $0 $0
Alyssa Borski (Director) $2,300 $0 $0
Grace Zuiker Nash (Director) $2,300 $0 $0
Chad Baker (Director) $1,650 $0 $0
Rod Olson (Director (Thru Mar.)) $450 $0 $0
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Document Links

990
Filed on Sept. 10, 2024

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,543,781
Expenses
$7,024,233
Net Income
$519,548
Net Assets
$14,760,772
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,388,214
84.7%
Investment Income $1,149,064
15.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $6,503
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $322,738
4.6%
Professional Fundraising Fees $0
Other Salaries and Wages $2,281,039
32.5%
Assets/Debt
Total Assets $188,341,075
Total Liabilities $173,580,303
Net Assets $14,760,772
Compensation
Key Employees and Officers Compensation Related Other
Veronika Baron (Interim President/Ceo) $139,485 $0 $25,084
James Levandoski (Vp Of Lending) $117,586 $0 $28,883
Steven Ferch (Chairman) $2,750 $0 $0
Heather Schallock (Treasurer) $1,850 $0 $0
Maggie Steffen (Secretary) $1,800 $0 $0
Rod Olson (Vice Chairman) $1,700 $0 $0
Alyssa Borski (Director) $1,200 $0 $0
Rick Zoerb (Director) $1,200 $0 $0
Grace Zuiker Nash (Director) $1,200 $0 $0
+ View more people

Document Links

990
Filed on Aug. 16, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,425,527
Expenses
$6,480,367
Net Income
$945,160
Net Assets
$16,596,942
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,441,001
86.7%
Investment Income $754,422
10.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $12,604
0.2%
Net Inventory Sales $0
Other Revenue $217,500
2.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $357,853
5.5%
Professional Fundraising Fees $0
Other Salaries and Wages $2,159,860
33.3%
Assets/Debt
Total Assets $186,942,299
Total Liabilities $170,345,357
Net Assets $16,596,942
Compensation
Key Employees and Officers Compensation Related Other
Liza Edinger (President/Ceo (Thru August)) $169,423 $0 $32,469
James Levandoski (Vp Of Lending) $122,504 $0 $11,838
Veronika Baron (Interim President/Ceo) $114,888 $0 $29,924
Stephanie Laska (Vp Of Finance) $102,180 $0 $10,042
Steven Ferch (Chairman) $3,000 $0 $0
Maggie Steffen (Secretary) $1,800 $0 $0
Heather Schallock (Treasurer) $1,650 $0 $0
Rod Olson (Vice Chairman) $1,200 $0 $0
Alyssa Borski (Director) $1,200 $0 $0
Rick Zoerb (Director) $1,200 $0 $0
Grace Zuiker Nash (Director) $1,100 $0 $0
+ View more people

Document Links

990
Filed on Nov. 9, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,282,377
Expenses
$6,408,078
Net Income
$874,299
Net Assets
$16,029,167
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,422,575
88.2%
Investment Income $838,270
11.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $17,336
0.2%
Net Fundraising $0
Sales of Assets $4,196
0.1%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $208,602
3.3%
Professional Fundraising Fees $0
Other Salaries and Wages $2,163,501
33.8%
Assets/Debt
Total Assets $163,667,640
Total Liabilities $147,638,473
Net Assets $16,029,167
Compensation
Key Employees and Officers Compensation Related Other
Liza Edinger (President/Ceo) $154,219 $0 $43,033
James Levandoski (Vp Of Lending) $105,545 $0 $10,661
Steven Ferch (Chairman) $2,800 $0 $0
Heather Schallock (Treasurer) $1,800 $0 $0
Maggie Steffen (Secretary) $1,700 $0 $0
Rod Olson (Vice Chairman) $1,650 $0 $0
Alyssa Borski (Director) $1,100 $0 $0
Grace Zuiker Nash (Director) $1,100 $0 $0
Rick Zoerb (Director) $900 $0 $0
Bill Vancos (Secretary (Thru Feb)) $300 $0 $0
+ View more people

Document Links

990
Filed on May 11, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,202,724
Expenses
$6,209,579
Net Income
$993,145
Net Assets
$14,904,543
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $6,127,882
85.1%
Investment Income $1,038,173
14.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $35,134
0.5%
Net Fundraising $0
Sales of Assets $1,535
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $206,960
3.3%
Professional Fundraising Fees $0
Other Salaries and Wages $1,806,249
29.1%
Assets/Debt
Total Assets $136,462,185
Total Liabilities $121,557,642
Net Assets $14,904,543
Compensation
Key Employees and Officers Compensation Related Other
Liza Edinger (President/Ceo) $152,917 $0 $42,943
Steven Ferch (Chairman) $3,000 $0 $0
Rod Olson (Vice Chairman) $1,650 $0 $0
Bill Vancos (Secretary) $1,500 $0 $0
Heather Schallock (Treasurer) $1,500 $0 $0
Grace Zuiker Nash (Director) $1,200 $0 $0
Maggie Steffen (Director) $1,200 $0 $0
Alyssa Borski (Director) $900 $0 $0
David Lehman (Vice Chairman (Thru Jan)) $150 $0 $0
+ View more people

Document Links

990
Filed on Aug. 17, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,551,186
Expenses
$5,503,594
Net Income
$1,047,592
Net Assets
$13,539,660
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,581,591
85.2%
Investment Income $808,980
12.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $29,337
0.4%
Net Fundraising $0
Sales of Assets -$12,813
Net Inventory Sales $0
Other Revenue $144,091
2.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $200,918
3.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,599,927
29.1%
Assets/Debt
Total Assets $129,944,445
Total Liabilities $116,404,785
Net Assets $13,539,660
Compensation
Key Employees and Officers Compensation Related Other
Liza Edinger (President/Ceo) $145,156 $0 $45,752
Steven Ferch (Chairman) $3,000 $0 $0
Bill Vancos (Treasurer) $1,650 $0 $0
Rod Olson (Secretary) $1,350 $0 $0
David Lehman (Vice Chairman) $1,200 $0 $0
Heather Schallock (Director) $1,000 $0 $0
Maggie Steffen (Director) $800 $0 $0
Grace Zuiker Nash (Director) $800 $0 $0
Kim Schaffer (Director (Thru March)) $300 $0 $0
+ View more people

Document Links

990
Filed on Nov. 15, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,679,842
Expenses
$4,875,018
Net Income
$804,824
Net Assets
$12,639,088
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,825,167
85.0%
Investment Income $744,101
13.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $34,671
0.6%
Net Fundraising $0
Sales of Assets $6,545
0.1%
Net Inventory Sales $0
Other Revenue $69,358
1.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $186,385
3.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,518,069
31.1%
Assets/Debt
Total Assets $126,669,752
Total Liabilities $114,030,664
Net Assets $12,639,088
Compensation
Key Employees and Officers Compensation Related Other
Liza Edinger (President/Ceo) $135,003 $0 $41,332
Steven Ferch (Chairman) $2,850 $0 $0
Rod Olson (Treasurer) $1,550 $0 $0
Bill Vancos (Director) $1,500 $0 $0
David Lehman (Secretary) $1,500 $0 $0
Maggie Steffen (Director) $1,000 $0 $0
Heather Schallock (Director) $950 $0 $0
Kim Schaffer (Director) $500 $0 $0
Douglas Joslin (Vice Chairman) $200 $0 $0
+ View more people

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990
Filed on Nov. 15, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,213,298
Expenses
$4,746,087
Net Income
$467,211
Net Assets
$11,818,612
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,381,221
84.0%
Investment Income $700,410
13.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $32,004
0.6%
Net Fundraising $0
Sales of Assets $23,604
0.5%
Net Inventory Sales $0
Other Revenue $76,059
1.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $177,870
3.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,474,251
31.1%
Assets/Debt
Total Assets $120,905,162
Total Liabilities $109,086,550
Net Assets $11,818,612
Compensation
Key Employees and Officers Compensation Related Other
Liza Edinger (President/Ceo) $130,720 $0 $39,500
Steven Ferch (Chairman) $2,400 $0 $0
Douglas Joslin (Vice Chairman) $1,200 $0 $0
David Lehman (Secretary) $1,200 $0 $0
Rod Olson (Treasurer) $1,200 $0 $0
Maggie Steffen (Director) $600 $0 $0
Bill Vancos (Director) $550 $0 $0
Heather Schallock (Director) $500 $0 $0
+ View more people

Document Links

990
Filed on Nov. 15, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,079,053
Expenses
$4,470,392
Net Income
$608,661
Net Assets
$11,511,440
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,265,569
84.0%
Investment Income $664,693
13.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $32,004
0.6%
Net Fundraising $0
Sales of Assets $25,450
0.5%
Net Inventory Sales $0
Other Revenue $91,337
1.8%
Notable Expenses Percent of Total Expenses
Executive Compensation $171,556
3.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,408,652
31.5%
Assets/Debt
Total Assets $115,244,945
Total Liabilities $103,733,505
Net Assets $11,511,440
Compensation
Key Employees and Officers Compensation Related Other
Liza Edinger (President/Ceo) $126,396 $0 $37,560
Steven Ferch (Chairman) $2,400 $0 $0
Douglas Joslin (Vice Chairman) $1,200 $0 $0
Rod Olson (Treasurer) $1,200 $0 $0
David Lehman (Secretary) $1,000 $0 $0
Heather Schallock (Director) $600 $0 $0
Maggie Steffen (Director) $600 $0 $0
Bill Vancos (Director) $600 $0 $0
+ View more people

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990
Filed on Nov. 14, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,155,944
Expenses
$4,755,670
Net Income
$400,274
Net Assets
$10,996,598
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,384,522
85.0%
Investment Income $639,717
12.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $38,127
0.7%
Net Fundraising $0
Sales of Assets -$26,506
Net Inventory Sales $0
Other Revenue $120,084
2.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $164,791
3.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,325,240
27.9%
Assets/Debt
Total Assets $113,592,457
Total Liabilities $102,595,859
Net Assets $10,996,598
Compensation
Key Employees and Officers Compensation Related Other
Liza Edinger (President/Ceo) $125,971 $0 $35,307
Steven Ferch (Chairman) $2,400 $0 $0
David Lehman (Treasurer) $1,275 $0 $0
Douglas Joslin (Vice Chairman) $1,050 $0 $0
Rod Olson (Secretary) $1,050 $0 $0
Eileen Persike (Director (Thru July)) $0 $0 $0
Heather Schallock (Director) $0 $0 $0
Maggie Steffen (Director) $0 $0 $0
Bill Vancos (Director) $0 $0 $0
+ View more people

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990
Filed on Oct. 19, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,176,278
Expenses
$4,877,241
Net Income
$299,037
Net Assets
$10,433,993
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,441,226
85.8%
Investment Income $490,834
9.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $45,249
0.9%
Net Fundraising $0
Sales of Assets -$21,536
Net Inventory Sales $0
Other Revenue $220,505
4.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $141,669
2.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,285,127
26.3%
Assets/Debt
Total Assets $114,594,099
Total Liabilities $104,160,106
Net Assets $10,433,993
Compensation
Key Employees and Officers Compensation Related Other
Liza Edinger (President) $117,107 $0 $19,837
Steven Ferch (Chairman) $2,400 $0 $0
David Lehman (Treasurer) $1,125 $0 $0
Eileen Persike (Director) $600 $0 $0
Doug Joslin (Vice Chairman) $600 $0 $0
Bill Vancos (Director) $0 $0 $0
Heather Schallock (Director) $0 $0 $0
Rod Olson (Secretary) $0 $0 $0
+ View more people

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990
Filed on Nov. 17, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,380,093
Expenses
$4,980,668
Net Income
$399,425
Net Assets
$10,432,848
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,563,906
84.8%
Investment Income $466,149
8.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $350,038
6.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $120,538
2.4%
Professional Fundraising Fees $0
Other Salaries and Wages $1,229,373
24.7%
Assets/Debt
Total Assets $109,627,469
Total Liabilities $99,194,621
Net Assets $10,432,848

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,541,866
Expenses
$4,165,054
Net Income
$1,376,812
Net Assets
$10,094,800
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,849,758
69.5%
Investment Income $527,423
9.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $1,164,685
21.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $177,110
4.3%
Professional Fundraising Fees $0
Other Salaries and Wages $961,105
23.1%
Assets/Debt
Total Assets $100,712,054
Total Liabilities $90,617,254
Net Assets $10,094,800

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

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

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

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.

Which Organizations Are Here?

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 »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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About Nonprofit Explorer

Nonprofit Explorer

Browse millions of annual returns filed by tax-exempt organizations with ProPublica’s Nonprofit Explorer. See details like executive compensation, revenue, expenses and more. Search for an organization or a person, or search the full text of filings.

By Andrea Suozzo, Alec Glassford, Ash Ngu and Brandon Roberts.

Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

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