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TIN:
SCHEDULE O
(Form 990 or 990-EZ)
Department of the Treasury
Internal Revenue Service
(Form 990 or 990-EZ)
Department of the Treasury
Internal Revenue Service
Supplemental Information to Form 990 or 990-EZ
Complete to provide information for responses to specific questions on
Form 990 or to provide any additional information.
Attach to Form 990 or 990-EZ.
Information about Schedule O (Form 990 or 990-EZ) and its instructions is atwww.irs.gov/form990.
OMB No. 1545-0047
2013
Open to Public
Inspection
Inspection
Name of the organization
RIVER VALLEY CREDIT UNION
Employer identification number
03-0196668
03-0196668
| Return Reference | Explanation |
|---|---|
| FORM 990, PART VI, SECTION A, LINE 6 | ENTITY IS A CREDIT UNION WITH 15,670 MEMBERS. |
| FORM 990, PART VI, SECTION A, LINE 7A | THE MEMBERS OF RVCU ELECT AT LEAST ONE MEMBER OF THE BOARD OF DIRECTORS |
| FORM 990, PART VI, SECTION A, LINE 7B | ENTITY WIDE DECISIONS INCLUDING ELECTION OF OFFICERS, MERGER AND ACQUISITION, AND CHANGES TO BY-LAWS OR GOVERNING DOCUMENTS WOULD REQUIRE MEMBERSHIP APPROVAL. |
| FORM 990, PART VI, SECTION B, LINE 11 | FORM 990 IS REVIEWED BY THE CEO AND CFO PRIOR TO FILING. FILING IS REPORTED TO THE BOARD OF DIRECTORS AND MADE AVAILABLE FOR REVIEW. |
| FORM 990, PART VI, SECTION B, LINE 12C | RELATED PARTY QUESTIONNAIRES ARE COMPLETED BY DIRECTORS ANNUALLY TO DETERMINE ANY CONFLICTING INTERESTS. |
| FORM 990, PART VI, SECTION B, LINE 15 | CEO COMPENSATION IS REVIEWED AND APPROVED BY A COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS. OFFICER COMPENSATION IS INITIATED AND APPROVED BY THE CEO AND CONSIDERED BY THE BOARD IN ANNUAL BUDGET REPORTING. |
| FORM 990, PART VI, SECTION C, LINE 19 | RVCU MAKES ITS DOCUMENTS AVAILABLE TO THE PUBLIC BY REQUEST WITH THE EXCEPTION OF THE FINANCIAL STATEMENTS WHICH ARE POSTED IN EACH BRANCH LOBBY. |
| FORM 990, PART VII | DEBORAH CARPENTER - 190 CANOE BROOK ROAD, E DUMMERSTON, VT 05346. PHILLIP CROWLEY - PO BOX 284, CHESTERFIELD, NH 03443. RUSSELL FARRAR - 2618 FLAMSTEAD ROAD, CHESTER, VT 05143. JAMES BEDARD - 186 MAPLE STREET, BRATTLEBORO, VT 05301. LARRY KRAFT - 12 PINEBROOK LANE F-8, N. SPRINGFIELD, VT 05150. LESLIE MOREY - PO BOX 1580, BRATTLEBORO, VT 05302. ARTHUR SNARSKI - 22 HOMESTEAD DRIVE, EAST DUMMERSTON, VT 05346. SAMANTHA BOVAT - 270 HILL ROAD, BROOKLINE, VT 05345. RICHARD CARROLL - 93 SOUTHERN HEIGHTS DRIVE, VERNON, VT 05354. |
| FORM 990, PART IX, LINE 24E | POSTAGE : PROGRAM SERVICE EXPENSES 97,825. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 97,825. DEPOSIT SERVICES EXPENSE : PROGRAM SERVICE EXPENSES 75,678. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 75,678. TELEPHONE : PROGRAM SERVICE EXPENSES 63,558. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 63,558. NCUA INSURANCE ASSESSMENT : PROGRAM SERVICE EXPENSES 55,043. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 55,043. COLLECTION COSTS : PROGRAM SERVICE EXPENSES 50,876. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 50,876. DUES/SUBSCRIPTIONS : PROGRAM SERVICE EXPENSES 50,561. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 50,561. ARMORED CAR & CURRIER : PROGRAM SERVICE EXPENSES 25,552. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 25,552. STATEMENT SERVICES : PROGRAM SERVICE EXPENSES 22,300. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 22,300. DONATIONS : PROGRAM SERVICE EXPENSES 22,102. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 22,102. GAIN(LOSS) ON DISPOSAL OF ASSET : PROGRAM SERVICE EXPENSES 20,506. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 20,506. BOARD/COMMITTEE COSTS : PROGRAM SERVICE EXPENSES 19,920. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 19,920. ATM COSTS : PROGRAM SERVICE EXPENSES 17,600. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 17,600. MEAL EXPENSES : PROGRAM SERVICE EXPENSES 14,603. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 14,603. CREDIT BUREAU COSTS : PROGRAM SERVICE EXPENSES 12,792. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 12,792. PAYROLL FEES : PROGRAM SERVICE EXPENSES 12,711. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 12,711. CONFERENCE EXPENSE : PROGRAM SERVICE EXPENSES 9,165. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 9,165. VERMONT EXAM. FEES : PROGRAM SERVICE EXPENSES 7,920. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 7,920. ANNUAL MEETING EXPENSES : PROGRAM SERVICE EXPENSES 3,223. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 3,223. TRAINING : PROGRAM SERVICE EXPENSES 2,830. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 2,830. |
| FORM 990, PART XII, LINE 2C: | THE ORGANIZATION HAS NOT CHANGED ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR. |
For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.
Cat. No. 51056K
Schedule O (Form 990 or 990-EZ) 2013
Additional Data
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