Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2024.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Who runs it and what they're paid
10 people listed on the 990; $647K paid to officers and key staff.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Jennifer Grinder | $265,484 | $220,830 | — | — | — |
| Stephanie Laska | $209,744 | $146,814 | — | $102,180 | — |
| Liza Edinger | — | — | — | $169,423 | $154,219 |
| Veronika Baron | — | $81,590 | $139,485 | $114,888 | — |
| Pamela M Chitko | $138,804 | $100,324 | — | — | — |
| James Levandoski | — | — | $117,586 | $122,504 | $105,545 |
| Steven Ferch | $6,200 | $4,500 | $2,750 | $3,000 | $2,800 |
| Heather Schallock | $5,673 | $3,200 | $1,850 | $1,650 | $1,800 |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Provides exceptional financial services and builds lifelong member relationships.
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Ripco continues to promote financial literacy for children and young adults through our customized youth accounts. The kids club program engages children to save by offering a gift bag at account opening that includes fun, educational items. Our kids club promotions and events are also provided throughout the year.
Ripco thrives on the credit union culture of "people helping people". We have numerous certified budget counselors on staff who provide free services to those in need of additional financial assistance. We also offer a wide wage of financial literacy resources on our website including information on financial wellness and budgeting tools.
Ripco credit union serves over 12,000 members, providing a wide range of deposit and loan products at competitive rates. We strive for innovation through our products and services in addition to offering exceptional customer service.
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By the numbers
The FY2024 990, line by line.
Download 990
| Line | Start FY24 | End FY24 |
|---|---|---|
| Cash and savingsLn 1–2 | $20.2M | $21.1M |
| InvestmentsLn 11–13 | $39.0M | $30.2M |
| Land, buildings, equipmentLn 10c | $5.7M | $6.2M |
| Total assetsLn 16 | $180.9M | $176.9M |
| LiabilitiesLn 26 | $165.1M | $160.1M |
| Net assetsLn 32 | $15.7M | $16.8M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Grants to domestic organizationsLn 1 | $9K | |||
| Benefits paid to or for membersLn 4 | $1.3M | |||
| Pay of current officers, directors and key staffLn 5 | $538K | |||
| Other salaries and wagesLn 7 | $3.1M | |||
| Pension plan contributionsLn 8 | $157K | |||
| Other employee benefitsLn 9 | $616K | |||
| Payroll taxesLn 10 | $266K | |||
| Accounting feesLn 11c | $21K | |||
| Other fees for servicesLn 11g | $602K | |||
| Advertising and promotionLn 12 | $201K | |||
| Office expensesLn 13 | $459K | |||
| Information technologyLn 14 | $129K | |||
| OccupancyLn 16 | $388K | |||
| TravelLn 17 | $90 | |||
| Conferences, conventions and meetingsLn 19 | $218K | |||
| InterestLn 20 | $25 | |||
| Depreciation, depletion and amortizationLn 22 | $466K | |||
| InsuranceLn 23 | $61K | |||
| Other expenses (24a–d)Ln 24 | $1.5M | |||
| All other expensesLn 24e | $844K | |||
| Total functional expensesLn 25 | $10.9M |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2024 Latest Viewing | $11.2M | $10.9M | $303K | $16.8M | 990 PDF |
| FY2023 | $9.6M | $8.8M | $787K | $15.7M | 990 PDF |
| FY2022 | $7.5M | $7.0M | $520K | $14.8M | 990 PDF |
| FY2021 | $7.4M | $6.5M | $945K | $16.6M | 990 PDF |
| FY2020 | $7.3M | $6.4M | $874K | $16.0M | 990 PDF |
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Schedules filed Part IV
See the full FY2024 990 (4 parts)
Part VIII · Statement of revenue $11,166,658 across 4 lines filed
Part IX · Statement of functional expenses $10,863,840 across 20 lines filed
Part X · Balance sheet $176,948,780 assets, 15 lines filed
Part XI · Reconciliation of net assets $16,846,832 net assets at year end
Form 990 e-file (XML) FY2024 from the IRS · Classification, formation year and address from the IRS Business Master File
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