Nonprofit · EIN 36-2889811
RIVERSIDE COMMUNITY CREDIT UNION
Tax-exempt · KANKAKEE, IL 60901
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $2,388,785 | $1,760,982 | $627,803 | $45,798,966 | $40,455,593 | $5,343,373 |
| December 31, 2024 | 990 | $2,150,955 | $1,648,612 | $502,343 | $42,477,377 | $37,761,807 | $4,715,570 |
| December 31, 2023 | 990 | $1,953,903 | $1,461,863 | $492,040 | $41,867,813 | $37,654,586 | $4,213,227 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $1,681,853
- Investment income
- $706,932
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $227,369
- Other salaries and wages
- $303,782
- Salaries, compensation and benefits (total)
- $618,922
- Professional fundraising fees
- $0
- Accounting fees
- $30,436
- Occupancy
- $85,303
- Depreciation
- $45,166
Balance sheet and other
- Total assets, start of year
- $42,477,377
- Total assets, end of year
- $45,798,966
- Total liabilities, end of year
- $40,455,593
- Net assets, end of year
- $5,343,373
- Land, buildings and equipment
- $1,070,821
- Publicly traded securities
- $18,772,000
- Gross unrelated business income
- $11,925
- Gross receipts
- $2,388,785
- Employees
- 10
- Volunteers
- 7
- Year formed
- 1976
- State of legal domicile
- IL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Stacey Shreffler | Co-CEO Officer | 40 | $110,289 | $12,108 |
| Melissa Bayston | Co-CEO Officer | 40 | $101,915 | $3,057 |
| Dale Tolly | Chairman Trustee or director, Officer | 5 | $0 | $0 |
| Vern Mitchell | Vice Chairman Trustee or director, Officer | 5 | $0 | $0 |
| Dick Diepeveen | Treasurer Trustee or director, Officer | 5 | $0 | $0 |
| Ron Ruda | Secretary Trustee or director, Officer | 5 | $0 | $0 |
| Kyle Hansen | Board member Trustee or director | 4 | $0 | $0 |
| Natisha Morefield | Board member Trustee or director | 4 | $0 | $0 |
| Mike Baker | Board member Trustee or director | 4 | $0 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Stacey Shreffler | Co-CEO Officer | 40 | $105,092 | $10,821 |
| Melissa Bayston | Co-CEO Officer | 40 | $99,019 | $2,971 |
| Dale Tolly | Chairman Trustee or director, Officer | 5 | $0 | $0 |
| Vern Mitchell | Vice Chairman Trustee or director, Officer | 5 | $0 | $0 |
| Dick Diepeveen | Treasurer Trustee or director, Officer | 5 | $0 | $0 |
| Ron Ruda | Secretary Trustee or director, Officer | 5 | $0 | $0 |
| Kyle Hansen | Board member Trustee or director | 4 | $0 | $0 |
| Natisha Morefield | Board member Trustee or director | 4 | $0 | $0 |
| Mike Baker | Board member Trustee or director | 4 | $0 | $0 |
990 for the year ended December 31, 2023: 8 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Stacey Shreffler | Co-CEO Officer | 40 | $79,428 | $7,901 |
| Melissa Bayston | Co-CEO Officer | 40 | $81,040 | $2,294 |
| Dale Tolly | Chairman Trustee or director, Officer | 5 | $0 | $0 |
| Vern Mitchell | Vice Chairman Trustee or director, Officer | 5 | $0 | $0 |
| Dick Diepeveen | Treasurer Trustee or director, Officer | 5 | $0 | $0 |
| Ron Ruda | Secretary Trustee or director, Officer | 5 | $0 | $0 |
| Kyle Hansen | Board member Trustee or director | 4 | $0 | $0 |
| William Thompson | Board member Trustee or director | 4 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 185 N FRASER AVE, KANKAKEE, IL 60901-3350
- In care of
- % MELISSA BOYSTON
- Principal officer (990 for 2025)
- Melissa Bayston, 185 N Fraser Avenue, Kankakee, IL 60901
- Signed the 990
- Melissa Bayston, Co-CEO
- Phone
- (815) 933-1101
- Website
- www.riversidecu.com
- Return prepared by
- Eifel Rambo Advisory Group Ltd
Mission
Riverside Credit Union is committed to providing quality financial services while keeping with the "people helping people" philosophy.
Program accomplishments
- 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.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 36-2889811
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1976
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $45,798,966
- Income (IRS master file)
- $2,388,785
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $2,388,785 | $1,760,982 | $45,798,966 | XML |
| 990 | December 2024 | $2,150,955 | $1,648,612 | $42,477,377 | XML |
| 990 | December 2023 | $1,953,903 | $1,461,863 | $41,867,813 | XML |
| 990 | December 2022 | $1,767,244 | $1,344,577 | $42,937,211 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 36-2889811).
Questions about RIVERSIDE COMMUNITY CREDIT UNION
- What is the EIN of RIVERSIDE COMMUNITY CREDIT UNION?
- The employer identification number (EIN) of RIVERSIDE COMMUNITY CREDIT UNION is 36-2889811.
- Is RIVERSIDE COMMUNITY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1976.
- Are donations to RIVERSIDE COMMUNITY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does RIVERSIDE COMMUNITY CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of RIVERSIDE COMMUNITY CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did RIVERSIDE COMMUNITY CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of RIVERSIDE COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Melissa Bayston.
- Who are the officers and directors of RIVERSIDE COMMUNITY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 9 people; 2 received compensation from the organization, the highest $110,289 (Stacey Shreffler, Co-CEO).
- How much revenue does RIVERSIDE COMMUNITY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $2,388,785, expenses of $1,760,982 and total assets of $45,798,966 at year end.
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