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River Works Credit Union

Organization summary

Type of Nonprofit

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

Category: Public, Society Benefit — Multipurpose and Other / Credit Unions (NTEE)

Donations to this organization are not tax deductible.

Details

According to its Dec. 2022 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
$4.57M (2022)

Expenses
$4.4M (2022)

Total Assets
$113M (2022)

Total Liabilities
$97.3M (2022)

Source: Form 990 tax filings from 2011 to 2022

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.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,574,179
Expenses
$4,399,314
Net Income
$174,865
Net Assets
$15,209,110
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,304,417
72.2%
Investment Income $284,676
6.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $985,086
21.5%
Notable Expenses Percent of Total Expenses
Executive Compensation $780,604
17.7%
Professional Fundraising Fees $0
Other Salaries and Wages $884,728
20.1%
Assets/Debt
Total Assets $112,516,103
Total Liabilities $97,306,993
Net Assets $15,209,110
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Donahue (Ceo/Treasure) $203,583 $0 $29,384
Colleen Twinem (Avp Operatio) $132,617 $0 $7,062
Peter Kopoulos (Cfo) $119,154 $0 $4,903
Paul T Crowley (Vice Chairpe) $24,670 $0 $0
Kevin J Chiles (Chairperson) $0 $0 $0
George Honor (Director) $0 $0 $0
Paul Barron (Secretary/Di) $0 $0 $0
Kevin Monahan (Director) $0 $0 $0
Keith Kenyon (Director) $0 $0 $0
Nilson Garcia (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,008,646
Expenses
$4,515,329
Net Income
$493,317
Net Assets
$15,034,245
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,780,515
95.4%
Investment Income $228,131
4.6%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,681,693
37.2%
Assets/Debt
Total Assets $115,018,497
Total Liabilities $99,984,252
Net Assets $15,034,245
Compensation
Key Employees and Officers Compensation Related Other
James Donahue (Treasurer) $160,438 $0 $0
Colleen Twinem (Director/Executive Vice President) $120,904 $0 $0
Kevin J Chiles (Director) $0 $0 $0
Paul Barron (Secretary/Director) $0 $0 $0
Paul Crowley (Vice Chairperson) $0 $0 $0
Keith Kenyon (Director) $0 $0 $0
George W Honor Jr (Director) $0 $0 $0
Kevin Monahan (Director) $0 $0 $0
Nilsen Garcia (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,106,008
Expenses
$4,765,010
Net Income
$340,998
Net Assets
$14,540,928
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,670,058
91.5%
Investment Income $435,950
8.5%
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 $264,263
5.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,377,218
28.9%
Assets/Debt
Total Assets $109,766,973
Total Liabilities $95,226,045
Net Assets $14,540,928
Compensation
Key Employees and Officers Compensation Related Other
James Donahue (Treasurer) $160,495 $0 $0
Kevin J Chiles (Director) $0 $0 $0
Paul Barron (Secretary/Director) $0 $0 $0
Paul Crowley (Vice Chairperson) $0 $0 $0
Keith Kenyon (Director) $0 $0 $0
George W Honor Jr (Director) $0 $0 $0
Kevin Monahan (Director) $0 $0 $0
Nilsen Garcia (Director) $0 $0 $0
Mathew Newhall (Vice Chairperson) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,660,468
Expenses
$4,581,981
Net Income
$78,487
Net Assets
$14,199,930
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,962,493
85.0%
Investment Income $697,975
15.0%
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 $0
Professional Fundraising Fees $0
Other Salaries and Wages $1,380,442
30.1%
Assets/Debt
Total Assets $102,221,120
Total Liabilities $88,021,190
Net Assets $14,199,930
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Donahue (Treasurer) $168,418 $0 $0
Kevin J Chiles (Director) $0 $0 $0
Paul Barron (Director) $0 $0 $0
Paul Crowley (Chairperson) $0 $0 $0
Virginia Doocy (Director) $0 $0 $0
George W Honor Jr (Director) $0 $0 $0
Mark Kennard (Director) $0 $0 $0
Nilsen Garcia (Director) $0 $0 $0
Mathew Newhall (Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,640,173
Expenses
$4,446,073
Net Income
$194,100
Net Assets
$14,121,443
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $3,822,798
82.4%
Investment Income $817,375
17.6%
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 $168,418
3.8%
Professional Fundraising Fees $0
Other Salaries and Wages $1,227,862
27.6%
Assets/Debt
Total Assets $102,682,814
Total Liabilities $88,561,371
Net Assets $14,121,443
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Donahue (Treasurer) $168,418 $0 $0
George Allen (Director) $0 $0 $0
Paul Barron (Director) $0 $0 $0
Paul Crowley (Chairperson) $0 $0 $0
Virginia Doocy (Director) $0 $0 $0
George W Honor Jr (Director) $0 $0 $0
Mark Kennard (Director) $0 $0 $0
Nilsen Garcia (Director) $0 $0 $0
Hong Net (Director) $0 $0 $0
Mathew Newhall (Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,592,236
Expenses
$4,359,616
Net Income
$232,620
Net Assets
$13,927,343
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,075,995
88.8%
Investment Income $516,241
11.2%
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 $150,313
3.4%
Professional Fundraising Fees $0
Other Salaries and Wages $1,168,126
26.8%
Assets/Debt
Total Assets $106,329,845
Total Liabilities $92,402,502
Net Assets $13,927,343
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Donahue (Treasurer) $150,313 $0 $0
George Allen (Director) $0 $0 $0
Paul Barron (Director) $0 $0 $0
Paul Crowley (Chairperson) $0 $0 $0
Virginia Doocy (Director) $0 $0 $0
George W Honor Jr (Director) $0 $0 $0
Mark Kennard (Director) $0 $0 $0
Nilsen Garcia (Director) $0 $0 $0
Hong Net (Director) $0 $0 $0
Mathew Newhall (Vice Chairman) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$6,102,538
Expenses
$5,663,176
Net Income
$439,362
Net Assets
$13,694,723
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,898,474
96.7%
Investment Income $204,064
3.3%
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 $135,242
2.4%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $107,023,616
Total Liabilities $93,328,893
Net Assets $13,694,723
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
James Donahue (Treasurer) $135,242 $0 $0
George Allen (Director) $0 $0 $0
Paul Barron (Director) $0 $0 $0
Paul Crowley (Director) $0 $0 $0
Virginia Doocy (Vice Chairperson) $0 $0 $0
George W Honor Jr (Director) $0 $0 $0
Mark Kennard (Chairperson) $0 $0 $0
Nilsen Garcia (Director) $0 $0 $0
Hong Net (Director) $0 $0 $0
Mathew Newhall (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,534,662
Expenses
$4,366,006
Net Income
$1,168,656
Net Assets
$13,255,361
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,329,813
96.3%
Investment Income $206,496
3.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$1,647
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $150,138
3.4%
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $105,989,301
Total Liabilities $92,733,940
Net Assets $13,255,361
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Maria Cacciola (Treasurer/Ceo) $150,138 $0 $0
George Allen (Director) $0 $0 $0
Paul Barron (Director) $0 $0 $0
Paul Crowley (Director) $0 $0 $0
Virginia Doocy (Vice Chairperson) $0 $0 $0
George W Honor Jr (Director) $0 $0 $0
Caroline Keely (Director) $0 $0 $0
Christopher Moulder (Director) $0 $0 $0
Mark Kennard (Chairperson) $0 $0 $0
Nilsen Garcia (Director) $0 $0 $0
Michael Taglieri (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,516,148
Expenses
$4,213,449
Net Income
$1,302,699
Net Assets
$12,086,705
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $5,044,702
91.5%
Investment Income $253,036
4.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $218,410
4.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $145,629
3.5%
Professional Fundraising Fees $0
Other Salaries and Wages $1,116,068
26.5%
Assets/Debt
Total Assets $102,784,517
Total Liabilities $90,697,812
Net Assets $12,086,705
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Maria Cacciola (Treasurer/Ceo) $145,629 $0 $0
George Allen (Director) $0 $0 $0
Paul Barron (Director) $0 $0 $0
Paul Crowley (Director) $0 $0 $0
Virginia Doocy (Vice Chairperson) $0 $0 $0
George W Honor Jr (Director) $0 $0 $0
Caroline Keely (Director) $0 $0 $0
Christopher Moulder (Director) $0 $0 $0
Mark Kennard (Chairperson) $0 $0 $0
Nilsen Garcia (Director) $0 $0 $0
Michael Taglieri (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$4,811,426
Expenses
$4,067,608
Net Income
$743,818
Net Assets
$10,858,229
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,206,575
87.4%
Investment Income $372,615
7.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $232,236
4.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $283,811
7.0%
Professional Fundraising Fees $0
Other Salaries and Wages $892,529
21.9%
Assets/Debt
Total Assets $94,301,131
Total Liabilities $83,442,902
Net Assets $10,858,229
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Maria Cacciola (Treasurer/Ceo) $124,080 $0 $0
George Allen (Chairperson) $0 $0 $0
Paul Barron (Director) $0 $0 $0
Paul Crowley (Director) $0 $0 $0
Virginia Doocy (Director) $0 $0 $0
George W Honor Jr (Vice Chairperson) $0 $0 $0
William J O'neill (Director) $0 $0 $0
Nicholas Amendolare (Director) $0 $0 $0
Mark Kennard (Director) $0 $0 $0
Kenneth Gould (Director) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,224,083
Expenses
$4,205,360
Net Income
$1,018,723
Net Assets
$10,184,623
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,409,513
84.4%
Investment Income $380,112
7.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $434,458
8.3%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $122,254
2.9%
Professional Fundraising Fees $0
Other Salaries and Wages $995,248
23.7%
Assets/Debt
Total Assets $83,768,299
Total Liabilities $73,583,676
Net Assets $10,184,623

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$5,392,052
Expenses
$4,438,642
Net Income
$953,410
Net Assets
$9,160,703
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $4,967,169
92.1%
Investment Income $392,317
7.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $32,566
0.6%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $120,592
2.7%
Professional Fundraising Fees $0
Other Salaries and Wages $1,035,432
23.3%
Assets/Debt
Total Assets $85,811,458
Total Liabilities $76,650,755
Net Assets $9,160,703

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.
2006

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

Fiscal Year Ending Dec.
2004

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

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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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.
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  • 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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