Sep, 30, 2025 — RIVER TO RIVER CREDIT UNION is a federally insured state chartered credit union headquartered in VIENNA, IL with 1 branch location and about $27.88 million in total assets. Opened 54 years ago in 1972, RIVER TO RIVER CREDIT UNION has about 2,392 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RIVER TO RIVER CREDIT UNION |
|---|---|
| Address: (Main Office) | 1895 State Route 146 E VIENNA, IL 62995 |
| Phone: | (618) 658-8312 |
| Fax: | (618) 658-8371 |
| Website: | https://www.r2rcu.com |
| Branches: | 1 branch locations |
| Members: | 2,392 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 61152 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1972 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $27,875,834 |
| CEO/Manager: | Steven C Sanders |
| Chairperson: | Larry McGill |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,461,229 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 1,628,106 |
| Other Loans | 13,154,790 |
| TOTAL LOANS | 14,782,896 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -67,785 |
| Land And Building | 191,248 |
| Other Fixed Assets | 45,083 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 232,627 |
| All Other Assets | 0 |
| TOTAL ASSETS | 27,875,834 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 753 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 56,198 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 8,607,013 |
| Regular shares | 15,046,588 |
| All Other Shares & Deposits | 314,242 |
| TOTAL SHARES & DEPOSITS | 23,967,843 |
| TOTAL LIABILITIES | 24,024,794 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 3,851,040 |
| TOTAL EQUITY | 3,851,040 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 27,875,834 |
| INCOME & EXPENSE | |
| Loan Income | 722,315 |
| Investment Income | 377,175 |
| Other Income | 165,437 |
| Total Employee Compensation & Benefits | 255,603 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 338,162 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 26,089 |
| Cost of Funds | 79,527 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 565,546 |
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