Riverfall Credit Union

Nonprofit profile at a glance

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

11 people listed

SCOTT RYAN (CEO): $200,955 total reported compensation
SUSAN HANNAH (COO): $122,954 total reported compensation
KAY LACKEY (FORMER VICE PRESIDENT LENDING): $101,598 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

To provide thrift opportunities and low cost loans to members.

14,287 members served to promote thrift opportunities and low cost loans.

Revenue model: Mixed. Its operating money came from several sources; no one source provided a clear majority.
Distribution model: Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
Pay-setting controls: 0 of 6 controls in place; rating input score 0
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Missing
- Board or committee approval: Missing
Foreign activity oversight: Limited
Grant itemization coverage: 100%; rating input score 100; 76th percentile among comparable filings
Major donor itemization: Limited
Related-party transparency: Limited

Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
Governance controls: 7 of 9 controls in place; rating input score 78
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail

Operating margin: 3%; rating input score 37; 37th percentile among comparable filings
Total-asset coverage ratio: 18.35; rating input score 92; 92nd percentile among comparable filings
Liabilities to assets ratio: 0.91; rating input score 6; 6th percentile among comparable filings
Officer compensation ratio: 4.4%; rating input score 62; 62nd percentile among comparable filings

Program expense growth: Limited
Revenue growth: 5.7% per year; rating input score 100; 47th percentile among comparable filings
Asset growth: 4.1% per year; rating input score 100; 27th percentile among comparable filings

Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
Governance: 7 of 7 board members independent · 7 of 9 filing controls reported
Programs: 1 filed program accomplishment
Leadership: top reported pay $201K · 11 people listed · 0 of 6 pay-setting controls reported
Highest-paid contractors: 3 contractors listed · $630K reported
Consistency: 12 of 12 current checks pass
Schedules: 4 filed schedules · includes grants and executive pay
Filing history: 14 filing years from 2010 to 2025
Contacts: How to reach this organization
Money network: 4 filed money-flow records
Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
People: Everyone the filings name, and which of them the filings identify by more than a name.

Signals prioritize questions for review. They are not findings of misconduct.

High — Transparency & Controls: Pay-setting controls scored 0/100.
Moderate — Sustainability: Operating margin scored 37/100.
Review — Accountability: Governance controls: Independent financial-statement audit not reported.
High — Sustainability: Liabilities to assets ratio scored 6/100.