2026-03-19T10:12:21-05:00 2025-12-31 931743146 Eifel Rambo Advisory Group Ltd 20635 Abbey Woods Ct Suite 301 Frankfort IL 60423 990 2025-01-01 362889811 Riverside Community Credit Union RIVE 8159331101 185 N Fraser Avenue Kankakee IL 60901 Melissa Bayston Co-CEO 8159331101 2026-03-19 1 Matt Beckley P00331163 7086282365 2026-03-19 2025 2025-03-06 01:10:19Z Melissa Bayston 185 N Fraser Avenue Kankakee IL 60901 2388785 0 X www.riversidecu.com X Cooperative 1976 IL State chartered credit union providing quality financial services 7 7 10 7 11925 0 0 0 1621918 1681853 529037 706932 0 0 2150955 2388785 0 0 0 0 591582 618922 0 0 0 1057030 1142060 1648612 1760982 502343 627803 42477377 45798966 37761807 40455593 4715570 5343373 Riverside Credit Union is committed to providing quality financial services while keeping with the "people helping people" philosophy. 0 0 Credit Union makes and services consumer loans to members. Total number of loans outstanding, including Visa accounts at 12/31/25 was 1,036 for a total of $19,771,955. Credit Union pays out dividends to its members share deposit accounts at a market rate of interest. Total number of share accounts at 12/31/2025 was 6,691 for a total of $40,318,225. Other financial services provided to over 4,000 members. 0 0 0 0 0 0 0 0 0 1 0 0 0 1 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 967 0 1 10 1 1 1 0 0 0 0 0 0 0 X 7 7 0 0 0 0 1 1 1 1 1 0 1 1 1 1 1 1 1 1 0 0 0 X Melissa Bayston 8159331101 185 N Fraser Kankakee IL 60901 Dale Tolly Chairman 5.00 X X 0 0 0 Vern Mitchell Vice Chairman 5.00 X X 0 0 0 Dick Diepeveen Treasurer 5.00 X X 0 0 0 Ron Ruda Secretary 5.00 X X 0 0 0 Kyle Hansen Board member 4.00 X 0 0 0 Natisha Morefield Board member 4.00 X 0 0 0 Mike Baker Board member 4.00 X 0 0 0 Melissa Bayston Co-CEO 40.00 X 101915 0 3057 Stacey Shreffler Co-CEO 40.00 X 110289 0 12108 212204 0 15165 2 0 0 0 0 Interest-member loans 522100 1177729 1177729 Fees & service charges 522100 504124 492199 11925 1681853 706932 706932 2388785 1669928 11925 706932 227369 303782 46214 41557 30436 2053 83160 499141 50746 85303 3147 174 45166 33766 Member dividends 197843 Loan servicing 52014 Provision for loan loss 40000 Association Dues 13481 5630 1760982 710202 657135 2232684 4826759 21165957 19771955 123981 163152 2219284 1148463 1104804 1070821 16627000 18772000 512749 537144 42477377 45798966 152660 137368 37609147 40318225 37761807 40455593 X 0 0 0 0 4715570 5343373 4715570 5343373 42477377 45798966 627803 0 X X 0 1 X 1 0 468140 468140 1484721 906809 577912 266423 241654 24769 1070821 Member shares 40318225 40318225 X 2388785 0 2388785 0 2388785 1760982 0 1760982 0 1760982 Part X, Line 2: PART X, #2. FIN 48 note from Audited Financial Statements Riverside Community Credit Union was granted an exemption from federal income taxes by the Internal Revenue Service pursuant to the provisions of Internal Revenue Code Section 501(c)(14). The tax exempt purpose of the Credit Union and the nature in which it operates is described above. Management believes the Credit Union continues to operate in compliance with its tax exempt purpose. The Credit Union had no unrelated business income in 2024 and 2023 that management believes is subject to taxation. The Credit Union's annual information returns are filed with the federal and state governments are subject to examination for three years after they are filed. Form 990, Part VI, Section A, line 6 The Organization's membership consists of individuals with funds on deposit with the Credit Union. Form 990, Part VI, Section A, line 7a The membership participates in the annual meeting of the members and the election of the Board of Directors. Form 990, Part VI, Section A, line 7b The bylaws of the Credit Union may be amended by a majority vote of the members at any annual meeting or at a special meeting called for this purpose. Form 990, Part VI, Section B, line 11b The Form 990 was provided to the Board of Directors prior to filing. Form 990, Part VI, Section B, line 12c Board members and employees are encouraged to report conflicts as they occur. Form 990, Part VI, Section C, line 19 Governing documents and financial statements made available upon request Form 990, Part XII, Line 2c: The process has not changed from the prior period.