Sep, 30, 2025 — RIVERSIDE COMMUNITY CREDIT UNION is a federally insured state chartered credit union headquartered in KANKAKEE, IL with 2 branch locations and about $44.01 million in total assets. Opened 50 years ago in 1976, RIVERSIDE COMMUNITY CREDIT UNION has about 3,549 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | RIVERSIDE COMMUNITY CREDIT UNION |
|---|---|
| Address: (Main Office) | 185 N Fraser Ave KANKAKEE, IL 60901 |
| Phone: | (815) 933-1101 |
| Fax: | (815) 933-1181 |
| Website: | https://www.riversidecu.com |
| Branches: | 2 branch locations |
| Members: | 3,549 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 63791 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1976 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $44,006,963 |
| CEO/Manager: | Melissa K Bayston |
| Chairperson: | Dale R Tolly |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,353,732 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,000,054 |
| Unsecured Loans | 2,142,138 |
| Other Loans | 15,421,889 |
| TOTAL LOANS | 20,564,081 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -55,069 |
| Land And Building | 1,052,712 |
| Other Fixed Assets | 12,034 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 374,431 |
| All Other Assets | 0 |
| TOTAL ASSETS | 44,006,963 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 14 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -232,004 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 9,234,559 |
| Regular shares | 25,191,749 |
| All Other Shares & Deposits | 4,612,803 |
| TOTAL SHARES & DEPOSITS | 39,039,111 |
| TOTAL LIABILITIES | 38,807,121 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 5,199,842 |
| TOTAL EQUITY | 5,199,842 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 44,006,963 |
| INCOME & EXPENSE | |
| Loan Income | 884,415 |
| Investment Income | 513,527 |
| Other Income | 355,076 |
| Total Employee Compensation & Benefits | 453,784 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 652,555 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 35,000 |
| Cost of Funds | 135,403 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 484,275 |
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