RIO GRANDE VALLEY CREDIT UNION: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization: RIO GRANDE VALLEY CREDIT UNION (EIN 74-1367995)
Tax period: 2025-01-01 to 2025-12-31
Filed: 2026-08-03
IRS object ID: 202632159349301158
Schema version: 2025v4.2
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule C
Schedule D
Schedule I
Schedule J
Schedule O

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2026-08-03T15:22:31-05:00	ReturnTs
Tax Period End	2025-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	420714325	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	RSM US LLP	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	4650 EAST 53RD STREET	AddressLine1Txt
City	DAVENPORT	CityNm
State Abbreviation	IA	StateAbbreviationCd
ZIP	528073479	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2025-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	741367995	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RIO GRANDE VALLEY CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	RIOG	BusinessNameControlTxt
Phone	9564235792	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1221 MORGAN BLVD	AddressLine1Txt
City	HARLINGEN	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	78550	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	SHERILYN GOAD	PersonNm
Person Title	CEO	PersonTitleTxt
Phone	9564235792	PhoneNum
Signature	2026-07-31	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JENIFER L CHASE	PreparerPersonNm
PTIN	P01306883	PTIN
Phone	5638884000	PhoneNum
Preparation	2026-07-31	PreparationDt

Field	Value	IRS element (for citing)
Tax	2025	TaxYr
Build TS	2025-03-06 01:10:19Z	BuildTS

Form 990 IRS990

Doing Business As Name DoingBusinessAsName

Field	Value	IRS element (for citing)
Business Name Line1	RGV CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Principal Officer	SHERILYN GOAD	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1221 MORGAN BLVD	AddressLine1Txt
City	HARLINGEN	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	78550	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$9,989,311	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Group Exemption	2742	GroupExemptionNum
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.RGVCU.COOP	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1954	FormationYr
Legal Domicile State	TX	LegalDomicileStateCd
Activity Or Mission	THE MISSION OF RIO GRANDE VALLEY (RGV) CREDIT UNION IS "YOUR FINANCIAL HELPING HAND".	ActivityOrMissionDesc
Voting Members Governing Body	9	VotingMembersGoverningBodyCnt
Voting Members Independent	9	VotingMembersIndependentCnt
Total Employee	59	TotalEmployeeCnt
Total Volunteers	17	TotalVolunteersCnt
Total Gross UBI	$54,285	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	$0	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$0	CYContributionsGrantsAmt
PY Program Service Revenue	$6,835,265	PYProgramServiceRevenueAmt
CY Program Service Revenue	$6,848,581	CYProgramServiceRevenueAmt
PY Investment Income	$2,206,574	PYInvestmentIncomeAmt
CY Investment Income	$3,116,729	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$9,041,839	PYTotalRevenueAmt
CY Total Revenue	$9,965,310	CYTotalRevenueAmt
PY Grants And Similar Paid	$14,660	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$19,623	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$0	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$0	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$3,030,612	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$3,094,506	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$4,202,880	PYOtherExpensesAmt
CY Other Expenses	$4,965,157	CYOtherExpensesAmt
PY Total Expenses	$7,248,152	PYTotalExpensesAmt
CY Total Expenses	$8,079,286	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,793,687	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,886,024	CYRevenuesLessExpensesAmt
Total Assets BOY	$155,688,405	TotalAssetsBOYAmt
Total Assets EOY	$175,046,564	TotalAssetsEOYAmt
Total Liabilities BOY	$139,342,865	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$156,815,000	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$16,345,540	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$18,231,564	NetAssetsOrFundBalancesEOYAmt
Mission	TO BE THE PRIMARY SOURCE FOR FINANCIAL SERVICES AND FINANCIAL EDUCATION FOR OUR MEMBERS.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	CHECKING ACCOUNTS: RIO GRANDE VALLEY (RGV) CREDIT UNION PROVIDES MEMBERS WITH A VARIETY OF CHECKING ACCOUNT TYPES DESIGNED TO FIT THE MEMBERS' NEEDS. FEATURES CAN VARY ANYWHERE FROM FREE CHECKING TO THOSE THAT ARE INTEREST BEARING. DIVIDENDS ARE PAID MONTHLY AND ALL COME WITH FREE INTERNET ACCESS AND BILL PAY SERVICES. MEMBERS ALSO HAVE FREE ACCESS TO ANY ONE OF RGV CREDIT UNION'S ATMS AND CAN FIND A SURCHARGE FREE ATM THROUGH ALLPOINT ON OUR WEBSITE.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	LOANS: RIO GRANDE VALLEY CREDIT UNION PROVIDES MEMBERS WITH AFFORDABLE LOANS FOR THE PURCHASE OF A VEHICLE OR A RECREATIONAL VEHICLE, SUCH AS MOTORCYCLES, BOATS, ETC. CREDIT LIFE AND DISABILITY, GAP AND EXTENDED WARRANTIES ARE ALSO AVAILABLE ON ANY OF THESE PRODUCTS. ALSO, MORTGAGE LOANS ARE AVAILABLE THROUGH A THIRD PARTY PROCESSOR.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	SAVINGS ACCOUNTS: RIO GRANDE VALLEY CREDIT UNION SAVINGS ACCOUNTS OFFER ADVANTAGES TO MEMBERS OF ALL AGES. DIVIDENDS ARE PAID OUT QUARTERLY AND MEMBERS CAN ACCESS THEIR ACCOUNTS VIA THE INTERNET, ATM, BY PHONE, OR THROUGH HOME BANKING.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	Yes (1)	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Donor Rstr Or Quasi Endowments	0	DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	Yes (1)	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent	0	BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	0	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	2499	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	59	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt	0	SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc	0	SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	9	GoverningBodyVotingMembersCnt
Independent Voting Member	9	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	0	LocalChaptersInd
Form990 Provided To Gvrn Body	Yes (1)	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	0	ConflictOfInterestPolicyInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	0	CompensationProcessOtherInd
Investment In Joint Venture	0	InvestmentInJointVentureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	JANIE SANDOVAL	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	9564235792	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	1221 MORGAN BLVD	AddressLine1Txt
City	HARLINGEN	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	78550	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (12 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	OfficerOfficerInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	Highest Compensated EmployeeHighestCompensatedEmployeeInd
JOYCE BEATTIE
SECRETARY	1.00	Yes (X)	Yes (X)	$0	$0	$0
CHAD E BENDER
BOARD DIRECTOR	1.00	Yes (X)		$0	$0	$0
JIM COFFMAN
BOARD DIRECTOR	1.00	Yes (X)		$0	$0	$0
IMELDA HERNANDEZ
TREASURER	1.00	Yes (X)	Yes (X)	$0	$0	$0
DAVID JONES
CHAIRMAN	1.00	Yes (X)	Yes (X)	$0	$0	$0
CARL LEATHERMAN
BOARD DIRECTOR	1.00	Yes (X)		$0	$0	$0
ELIZABETH MARTINEZ
FORMER BOARD DIRECTOR	1.00	Yes (X)		$0	$0	$0
EMMA MCCALL
BOARD DIRECTOR	1.00	Yes (X)		$0	$0	$0
JOE MONTEMAYOR
VICE CHAIRMAN	1.00	Yes (X)	Yes (X)	$0	$0	$0
ELIZANDRO MUNIZ
BOARD DIRECTOR	1.00	Yes (X)		$0	$0	$0
SHERILYN GOAD
CEO	40.00		Yes (X)	$164,873	$0	$42,127
NANCY RENNEKER
EXECUTIVE VP	40.00			$107,542	$0	$25,521	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$272,415	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$67,648	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	2	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (4 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
CU ANSWERS
6000 28TH STREET SE STE 100	GRAND RAPIDS	MI	49546	CORE PROCESSOR	$524,373
MEMBER ACCESS PROCESSING
450 ALASKA WAY SOUTH SUITE 246	SEATTLE	WA	98104	CARD MANAGEMENT	$333,210
INNOVATIVE COMMUNICATION SYSTEMS
10430 GULFDALE STREET	SAN ANTONIO	TX	78216	INFORMATION TECHNOLOGY	$175,247
CHARTER COMMUNICATIONS
1900 BLUE CREST LN	SAN ANTONIO	TX	78247	INTERNET	$108,742

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	4	CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$4,102,423	$4,102,423
FEE INCOME	522100	$1,466,124	$1,414,039	$52,085
OTHER OPERATING INCOME	522100	$1,280,034	$1,277,834	$2,200

Field	Value	IRS element (for citing)
Total Program Service Revenue	$6,848,581	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$3,097,122	TotalRevenueColumnAmt
Exclusion	$3,097,122	ExclusionAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$43,608	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$24,001	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	$19,607	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$19,607	TotalRevenueColumnAmt
Exclusion	$19,607	ExclusionAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$9,965,310	TotalRevenueColumnAmt
Related Or Exempt Func Income	$6,794,296	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$54,285	UnrelatedBusinessRevenueAmt
Exclusion	$3,116,729	ExclusionAmt

Grants To Domestic Orgs GrantsToDomesticOrgsGrp

Field	Value	IRS element (for citing)
Total	$12,623	TotalAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$7,000	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$207,000	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$2,298,674	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$173,278	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$231,350	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$184,204	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$2,424	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$17,640	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$276,816	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$75,755	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,664,561	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$401,108	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$367,968	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$24,050	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$206,359	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$55,917	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
DIVIDENDS PAID TO MEMBE	$1,349,764
PROVISION FOR LOAN LOSS	$348,657
LOAN SERVICING	$85,880
DUES	$33,717

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$54,541	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$8,079,286	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$27,363,806	BOYAmt
EOY	$42,209,340	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$360,919	BOYAmt
EOY	$399,764	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$77,219,899	BOYAmt
EOY	$65,374,804	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$749,502	BOYAmt
EOY	$770,849	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$7,708,520	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$3,602,500	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$4,450,551	BOYAmt
EOY	$4,106,020	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$43,844,156	BOYAmt
EOY	$60,193,042	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$1,699,572	BOYAmt
EOY	$1,992,745	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$155,688,405	BOYAmt
EOY	$175,046,564	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,844,282	BOYAmt
EOY	$1,354,221	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$137,498,583	BOYAmt
EOY	$155,460,779	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$139,342,865	BOYAmt
EOY	$156,815,000	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow FASB117	Yes (X)	OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$16,345,540	BOYAmt
EOY	$18,231,564	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$16,345,540	BOYAmt
EOY	$18,231,564	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$155,688,405	BOYAmt
EOY	$175,046,564	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,886,024	ReconcilationRevenueExpnssAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule C IRS990ScheduleC

Field	Value	IRS element (for citing)
Political Expenditures	$1,000	PoliticalExpendituresAmt
Expended527 Activities	$0	Expended527ActivitiesAmt
Internal Funds Contributed	$1,000	InternalFundsContributedAmt
Total Exempt Function Expend	$1,000	TotalExemptFunctionExpendAmt
Form1120 POL Filed	Yes (1)	Form1120POLFiledInd

Section527 Political Org Section527PoliticalOrgGrp

Organization Business Name OrganizationBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	CORNERSTONE CU LEAGUE	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	6801 PARKWOOD BLVD SUITE 300	AddressLine1Txt
City	PLANO	CityNm
State Abbreviation	TX	StateAbbreviationCd
ZIP	75024	ZIPCd

Field	Value	IRS element (for citing)
EIN	750603700	EIN
Paid Internal Funds	$0	PaidInternalFundsAmt
Contributions Rcvd Dlvr	$1,000	ContributionsRcvdDlvrAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I-A, LINE 1:	FormAndLineReferenceDesc
Explanation	RIO GRANDE VALLEY CREDIT UNION RECEIVES FUNDS FROM EMPLOYEES AND PROMPTLY AND DIRECTLY DELIVERS FUNDS TO CORNERSTONE CU LEAGUE TO SUPPORT POLITICAL ACTION COMMITTEES PROMOTING CREDIT UNION CAUSES.	ExplanationTxt

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$426,501	OtherCostOrOtherBasisAmt
Book Value	$426,501	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$6,054,163	OtherCostOrOtherBasisAmt
Depreciation	$2,608,847	DepreciationAmt
Book Value	$3,445,316	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,227,856	OtherCostOrOtherBasisAmt
Depreciation	$993,653	DepreciationAmt
Book Value	$234,203	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$4,106,020	TotalBookValueLandBuildingsAmt

Other Securities OtherSecuritiesGrp (4 entries)

DescDesc	Book ValueBookValueAmt	Method ValuationMethodValuationCd
MORTGAGE BACKED SECURITIES	$42,885,867	C
DEPOSITS IN BANKS & S&LS	$1,638,356	C
INVESTMENTS IN CORPORATE CREDIT UNIONS	$538,819	C
SIMPLI CD'S	$15,130,000	C

Field	Value	IRS element (for citing)
Total Book Value Securities	$60,193,042	TotalBookValueSecuritiesAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARES	Desc
Amt	$155,460,779	Amt

Field	Value	IRS element (for citing)
Total Liability	$155,460,779	TotalLiabilityAmt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd
Total501c3 Org	0	Total501c3OrgCnt
Total Other Org	0	TotalOtherOrgCnt

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp

Field	Value	IRS element (for citing)
Grant Type	SCHOLARSHIP ASSISTANCE	GrantTypeTxt
Recipient	4	RecipientCnt
Cash Grant	$7,000	CashGrantAmt

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	RIO GRANDE VALLEY CREDIT UNION ISSUES SCHOLARSHIP FUNDS DIRECTLY TO INDIVIDUALS TO BE USED FOR SCHOOL EXPENSES AT THE RECIPIENT'S DISCRETION.	ExplanationTxt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Independent Consultant	Yes (X)	IndependentConsultantInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp

Field	Value	IRS element (for citing)
Person	SHERILYN GOAD	PersonNm
Title	CEO	TitleTxt
Base Compensation Filing Org	$134,252	BaseCompensationFilingOrgAmt
Compensation Based On Rltd Orgs	$0	CompensationBasedOnRltdOrgsAmt
Bonus Filing Organization	$18,428	BonusFilingOrganizationAmount
Bonus Related Organizations	$0	BonusRelatedOrganizationsAmt
Other Compensation Filing Org	$12,193	OtherCompensationFilingOrgAmt
Other Compensation Rltd Orgs	$0	OtherCompensationRltdOrgsAmt
Deferred Compensation Flng Org	$18,027	DeferredCompensationFlngOrgAmt
Deferred Comp Rltd Orgs	$0	DeferredCompRltdOrgsAmt
Nontaxable Benefits Filing Org	$24,100	NontaxableBenefitsFilingOrgAmt
Nontaxable Benefits Rltd Orgs	$0	NontaxableBenefitsRltdOrgsAmt
Total Compensation Filing Org	$207,000	TotalCompensationFilingOrgAmt
Total Compensation Rltd Orgs	$0	TotalCompensationRltdOrgsAmt
Comp Report Prior990 Filing Org	$0	CompReportPrior990FilingOrgAmt
Comp Report Prior990 Rltd Orgs	$0	CompReportPrior990RltdOrgsAmt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (6 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	RIO GRANDE VALLEY CREDIT UNION HAS MEMBERS AS SPECIFIED IN ITS BYLAWS.
FORM 990, PART VI, SECTION A, LINE 7A	RIO GRANDE VALLEY CREDIT UNION MEMBERS HAVE THE POWER TO ELECT THE MEMBERS OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION A, LINE 7B	RIO GRANDE VALLEY CREDIT UNION MEMBERS HAVE THE POWER TO ELECT AND REMOVE MEMBERS OF THE GOVERNING BODY.
FORM 990, PART VI, SECTION B, LINE 11B	FORM 990 IS REVIEWED BY THE CHIEF EXECUTIVE OFFICER AND A COPY IS PROVIDED TO THE BOARD PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE. FORM 990 IS FORMALLY PRESENTED TO THE BOARD OF DIRECTORS AT THEIR MONTHLY MEETING IMMEDIATELY FOLLOWING THE SUBMISSION OF FORM 990.
FORM 990, PART VI, SECTION B, LINE 15A	RIO GRANDE VALLEY CREDIT UNION HIRES AN INDEPENDENT THIRD PARTY TO EVALUATE THE CHIEF EXECUTIVE OFFICER'S PERFORMANCE OVER A 12-MONTH PERIOD. THE BOARD OF DIRECTORS RECEIVES A COMPENSATION STUDY CONTAINING COMPENSATION DATA FOR COMPARABLE POSITIONS AT SIMILAR ORGANIZATIONS, TOGETHER WITH AN EVALUATION OF THE CHIEF EXECUTIVE OFFICER'S PERFORMANCE. THE REPORT INCLUDES A DESCRIPTION OF THE METHODOLOGY USED TO GATHER AND COMPARE THE DATA, THE REVIEW PERIOD, AND THE CHIEF EXECUTIVE OFFICER'S OVERALL PERFORMANCE RATING. BASED ON THIS INFORMATION, THE BOARD OF DIRECTORS REVIEWS AND APPROVES THE CHIEF EXECUTIVE OFFICER'S COMPENSATION AND ANY MERIT INCREASE. THE GOVERNING BODY CONTEMPORANEOUSLY DOCUMENTS THE DELIBERATIONS AND APPROVAL IN THE BOARD MINUTES. THIS PROCESS LAST OCCURRED IN 2025.
FORM 990, PART VI, SECTION C, LINE 19	RIO GRANDE VALLEY (RGV) CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND UNAUDITED FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST IN THE SAME TIME AND MANNER AS OTHER DISCLOSURES REQUIRED UNDER INTERNAL REVENUE CODE SECTION 6104. RGV CREDIT UNION DOES NOT HAVE A SEPARATE CONFLICT OF INTEREST POLICY.