2026-08-03T15:22:31-05:00 2025-12-31 420714325 RSM US LLP 4650 EAST 53RD STREET DAVENPORT IA 528073479 990 2025-01-01 741367995 RIO GRANDE VALLEY CREDIT UNION RIOG 9564235792 1221 MORGAN BLVD HARLINGEN TX 78550 SHERILYN GOAD CEO 9564235792 2026-07-31 1 JENIFER L CHASE P01306883 5638884000 2026-07-31 2025 2025-03-06 01:10:19Z RGV CREDIT UNION SHERILYN GOAD 1221 MORGAN BLVD HARLINGEN TX 78550 9989311 0 2742 X WWW.RGVCU.COOP X 1954 TX THE MISSION OF RIO GRANDE VALLEY (RGV) CREDIT UNION IS "YOUR FINANCIAL HELPING HAND". 9 9 59 17 54285 0 0 0 6835265 6848581 2206574 3116729 0 0 9041839 9965310 14660 19623 0 0 3030612 3094506 0 0 0 4202880 4965157 7248152 8079286 1793687 1886024 155688405 175046564 139342865 156815000 16345540 18231564 TO BE THE PRIMARY SOURCE FOR FINANCIAL SERVICES AND FINANCIAL EDUCATION FOR OUR MEMBERS. 0 0 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. 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. 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. 0 0 1 0 0 0 0 0 0 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 2499 0 1 59 1 1 1 0 0 0 0 0 0 0 X 9 9 0 0 0 0 1 1 1 1 1 0 0 1 0 1 1 1 0 0 X JANIE SANDOVAL 9564235792 1221 MORGAN BLVD HARLINGEN TX 78550 JOYCE BEATTIE SECRETARY 1.00 X X 0 0 0 CHAD E BENDER BOARD DIRECTOR 1.00 X 0 0 0 JIM COFFMAN BOARD DIRECTOR 1.00 X 0 0 0 IMELDA HERNANDEZ TREASURER 1.00 X X 0 0 0 DAVID JONES CHAIRMAN 1.00 X X 0 0 0 CARL LEATHERMAN BOARD DIRECTOR 1.00 X 0 0 0 ELIZABETH MARTINEZ FORMER BOARD DIRECTOR 1.00 X 0 0 0 EMMA MCCALL BOARD DIRECTOR 1.00 X 0 0 0 JOE MONTEMAYOR VICE CHAIRMAN 1.00 X X 0 0 0 ELIZANDRO MUNIZ BOARD DIRECTOR 1.00 X 0 0 0 SHERILYN GOAD CEO 40.00 X 164873 0 42127 NANCY RENNEKER EXECUTIVE VP 40.00 X 107542 0 25521 272415 0 67648 2 0 1 0 CU ANSWERS 6000 28TH STREET SE STE 100 GRAND RAPIDS MI 49546 CORE PROCESSOR 524373 MEMBER ACCESS PROCESSING 450 ALASKA WAY SOUTH SUITE 246 SEATTLE WA 98104 CARD MANAGEMENT 333210 INNOVATIVE COMMUNICATION SYSTEMS 10430 GULFDALE STREET SAN ANTONIO TX 78216 INFORMATION TECHNOLOGY 175247 CHARTER COMMUNICATIONS 1900 BLUE CREST LN SAN ANTONIO TX 78247 INTERNET 108742 4 INTEREST ON LOANS 522100 4102423 4102423 FEE INCOME 522100 1466124 1414039 52085 OTHER OPERATING INCOME 522100 1280034 1277834 2200 6848581 3097122 3097122 43608 24001 19607 19607 19607 9965310 6794296 54285 3116729 12623 7000 207000 2298674 173278 231350 184204 2424 17640 276816 75755 1664561 401108 367968 24050 206359 55917 DIVIDENDS PAID TO MEMBE 1349764 PROVISION FOR LOAN LOSS 348657 LOAN SERVICING 85880 DUES 33717 54541 8079286 27363806 42209340 360919 399764 77219899 65374804 749502 770849 7708520 3602500 4450551 4106020 43844156 60193042 1699572 1992745 155688405 175046564 1844282 1354221 137498583 155460779 139342865 156815000 X 0 0 0 0 16345540 18231564 16345540 18231564 155688405 175046564 1886024 0 X 0 0 0 1000 0 1000 1000 1 CORNERSTONE CU LEAGUE 6801 PARKWOOD BLVD SUITE 300 PLANO TX 75024 750603700 0 1000 PART I-A, LINE 1: 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. 426501 426501 6054163 2608847 3445316 1227856 993653 234203 4106020 MORTGAGE BACKED SECURITIES 42885867 C DEPOSITS IN BANKS & S&LS 1638356 C INVESTMENTS IN CORPORATE CREDIT UNIONS 538819 C SIMPLI CD'S 15130000 C 60193042 MEMBER SHARES 155460779 155460779 1 0 0 SCHOLARSHIP ASSISTANCE 4 7000 PART I, LINE 2: RIO GRANDE VALLEY CREDIT UNION ISSUES SCHOLARSHIP FUNDS DIRECTLY TO INDIVIDUALS TO BE USED FOR SCHOOL EXPENSES AT THE RECIPIENT'S DISCRETION. X X 0 0 0 SHERILYN GOAD CEO 134252 0 18428 0 12193 0 18027 0 24100 0 207000 0 0 0 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.