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RIVER VALLEY CREDIT UNION

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Public IRS 990 nonprofit record

RIVER VALLEY CREDIT UNION

EIN 38-6119310 · Mutual & Membership Benefit (Y)

What they do

PROVIDE FINANCIAL SERVICES and PRODUCTS to MEMBERS.

Before you give

Should I give to this charity?

Easy charity check
We do not have enough spending detail

Basic public information is available, but it is not enough to judge how well donations are used. Ask the charity for a current spending breakdown and results.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders12 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

$86.77spent for every $100 of revenueRevenue covered expenses this year.
$19.77in assets for every $1 spent this yearSome assets cannot be spent right away.

Ask these three easy questions

  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $255,613 for JANELLE FRANKE (CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

Money in and money out

Revenue$6,981,375
Expenses$6,057,525
Annual surplus $923,850 Revenue was higher than expenses for this filing year.
See all reported dollar amounts
Revenue$6,981,375
Expenses$6,057,525
Assets$119,768,283
Income$6,981,375
Stocks and bonds$6,172,000
People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation
JANELLE FRANKECEO · 40 hrs/week $255,613Base $217,782 · Other $37,831
KRISTA HUVERVICE PRESIDENT · 40 hrs/week $185,820Base $152,862 · Other $32,958
ERIC CUTTER PHILLIPSVICE PRESIDENT · 40 hrs/week $147,085Base $116,682 · Other $30,403
MARILYN KASPERVICE PRESIDENT · 40 hrs/week $93,804Base $74,844 · Other $18,960
TERESA CUMMINGSVICE PRESIDENT · 40 hrs/week $44,081Base $37,788 · Other $6,293

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (12)

JANELLE FRANKECEO

KRISTA HUVERVICE PRESIDENT

ERIC CUTTER PHILLIPSVICE PRESIDENT

MARILYN KASPERVICE PRESIDENT

TERESA CUMMINGSVICE PRESIDENT

DANIELLE CALIENDODIRECTOR

JAMES DETRICKDIRECTOR

JUDY BEALSECRETARY

KURT HANSENCHAIRMAN

SCOTT BOLESDIRECTOR

TED COURTERDIRECTOR

TIMOTHY HILEDIRECTOR

About this charity

Recognized since
January 1956
Location
7177 HEADLEY ST SE, ADA, MI 49301
County
Kent
In care of
Janelle Franke
Primary officer
Janelle Franke, CEO

How to reach them

Filing and classification

Latest tax year
2025
Tax period began
January 1, 2025
Return type
990
Tax preparer
FINANCIAL STANDARDS GROUP INC
NTEE classification
Mutual & Membership Benefit (Y)
IRS tax category
Mutual & Membership Benefit

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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