River Valley Credit Union Inc
EIN: 310547898 · Miamisburg, OH
About River Valley Credit Union Inc
River Valley Credit Union Inc (EIN: 310547898) is a nonprofit organization based in Miamisburg, OH. The organization reported total revenue of $28.1M and total assets of $476.3M according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of River Valley Credit Union Inc's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
AI Analysis Pending
AI enrichment for River Valley Credit Union Inc has not yet been completed. Basic IRS 990 data is shown below. Check back later for a full transparency report including a Mission Score, spending breakdown, executive compensation analysis, and red flags assessment.
Mission Effectiveness Score
NonprofitSpending's AI analysis rates River Valley Credit Union Inc with a Mission Score of 0 out of 100 (Very Poor). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Filing History
IRS 990 filing history for River Valley Credit Union Inc showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), River Valley Credit Union Inc's revenue has grown by 105.5%, moving from $11.8M to $24.3M. Total assets increased by 118.8% over the same period, from $208.4M to $456.1M. Total functional expenses rose by 94.6%, from $10.3M to $20.0M. In its most recent filing year (2023), River Valley Credit Union Inc reported a surplus of $4.3M, with revenue exceeding expenses. The organization holds $411.7M in liabilities against $456.1M in assets (debt-to-asset ratio: 90.3%), resulting in net assets of $44.4M.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. | |
|---|---|---|---|---|---|---|
| 2023 | $24.3M | $20.0M | $456.1M | $411.7M | — | — |
| 2022 | $19.8M | $16.1M | $442.4M | $402.5M | — | View 990 |
| 2021 | $18.2M | $14.8M | $417.8M | $375.2M | — | View 990 |
| 2020 | $18.0M | $15.1M | $391.4M | $350.6M | — | View 990 |
| 2019 | $17.9M | $15.7M | $341.8M | $304.5M | — | — |
| 2018 | $16.8M | $15.0M | $337.7M | $303.0M | — | View 990 |
| 2017 | $15.4M | $13.9M | $330.2M | $297.2M | — | View 990 |
| 2016 | $14.3M | $13.6M | $325.4M | $293.9M | — | View 990 |
| 2015 | $15.0M | $14.1M | $315.9M | $285.1M | — | View 990 |
| 2014 | $15.6M | $12.8M | $308.8M | $278.9M | — | View 990 |
| 2013 | $11.1M | $9.7M | $225.3M | $204.4M | — | View 990 |
| 2012 | $11.6M | $10.0M | $218.4M | $198.9M | — | View 990 |
| 2011 | $11.8M | $10.3M | $208.4M | $190.5M | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $24.3M, expenses of $20.0M, and assets of $456.1M (revenue +22.8% year-over-year).
- 2022: Revenue of $19.8M, expenses of $16.1M, and assets of $442.4M (revenue +9.0% year-over-year).
- 2021: Revenue of $18.2M, expenses of $14.8M, and assets of $417.8M (revenue +1.0% year-over-year).
- 2020: Revenue of $18.0M, expenses of $15.1M, and assets of $391.4M (revenue +0.4% year-over-year).
- 2019: Revenue of $17.9M, expenses of $15.7M, and assets of $341.8M (revenue +7.0% year-over-year).
- 2018: Revenue of $16.8M, expenses of $15.0M, and assets of $337.7M (revenue +9.0% year-over-year).
- 2017: Revenue of $15.4M, expenses of $13.9M, and assets of $330.2M (revenue +7.4% year-over-year).
- 2016: Revenue of $14.3M, expenses of $13.6M, and assets of $325.4M (revenue -4.3% year-over-year).
- 2015: Revenue of $15.0M, expenses of $14.1M, and assets of $315.9M (revenue -3.9% year-over-year).
- 2014: Revenue of $15.6M, expenses of $12.8M, and assets of $308.8M (revenue +40.0% year-over-year).
- 2013: Revenue of $11.1M, expenses of $9.7M, and assets of $225.3M (revenue -4.0% year-over-year).
- 2012: Revenue of $11.6M, expenses of $10.0M, and assets of $218.4M (revenue -2.0% year-over-year).
- 2011: Revenue of $11.8M, expenses of $10.3M, and assets of $208.4M.
Data Sources and Methodology
This transparency report for River Valley Credit Union Inc is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.