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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 990-EZ 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
2014
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 16,033 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. KAREN CEDERGREN - PO BOX 2532, W. BRATTLEBORO, VT 05303. STEPHEN DUCLOS - 20302 DEERBROOK WAY, WOODSTOCK, VT 05091. KIMBERLEY GOUGER - 7 MOSS HOLLOW LANE, NEWFANE, VT 05345. JILL FORTIER - 579 MT HERMAN STATION ROAD, NORTHFIELD , MA 01360. 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. REBECCA EDSON - 775 US ROUTE 5, DUMMERSTON, VT 05301. JEFFREY MORSE - PO BOX 538-6 NAMASCHAUG LANDING, SPOFFORD , NH 03462. MICHAEL COONEY - 146 NEWFANE ROAD, WARDSBORO, VT 05355. |
| FORM 990, PART IX, LINE 24E | COLLECTION COSTS: PROGRAM SERVICE EXPENSES 111,237. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 111,237. POSTAGE: PROGRAM SERVICE EXPENSES 108,731. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 108,731. DEPOSIT SERVICES EXPENSE: PROGRAM SERVICE EXPENSES 80,657. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 80,657. DUES/SUBSCRIPTIONS: PROGRAM SERVICE EXPENSES 50,050. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 50,050. STATEMENT SERVICES: PROGRAM SERVICE EXPENSES 32,138. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 32,138. DONATIONS: PROGRAM SERVICE EXPENSES 26,495. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 26,495. ARMORED CAR & CURRIER: PROGRAM SERVICE EXPENSES 24,388. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 24,388. BOARD/COMMITTEE COSTS: PROGRAM SERVICE EXPENSES 21,014. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 21,014. OREO EXPENSE: PROGRAM SERVICE EXPENSES 18,647. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 18,647. MEAL EXPENSES: PROGRAM SERVICE EXPENSES 15,207. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 15,207. CREDIT BUREAU COSTS: PROGRAM SERVICE EXPENSES 14,503. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 14,503. PAYROLL FEES: PROGRAM SERVICE EXPENSES 13,778. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 13,778. ATM COSTS: PROGRAM SERVICE EXPENSES 8,960. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 8,960. VERMONT EXAM. FEES: PROGRAM SERVICE EXPENSES 8,709. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 8,709. CONFERENCE EXPENSE: PROGRAM SERVICE EXPENSES 7,543. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 7,543. TRAINING: PROGRAM SERVICE EXPENSES 5,709. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 5,709. ANNUAL MEETING EXPENSES: PROGRAM SERVICE EXPENSES 2,916. MANAGEMENT AND GENERAL EXPENSES 0. FUNDRAISING EXPENSES 0. TOTAL EXPENSES 2,916. |
| 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) 2014
Additional Data
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