Civic Intelligence

Lowell Firefighters Credit Union

EIN 04-1558025 • 501(c)14 • Lowell, MA

Profile

Credit union member thrift

Refreshing map…

642 Chelmsford StLowell, MA 01851

lffcu.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

51st percentile

0.87x

Higher debt load relative to assets than 51% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

74th percentile

19.10x

Higher debt load relative to revenue than 74% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

29th percentile

2.6%

Higher net margin than 29% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

44th percentile

0.1%

Faster asset growth than 44% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

63rd percentile

12%

Faster revenue growth than 63% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets51st percentile

Assets

Up

$27,142,758

Up $16,504 (+0.1%) from 2023

Liabilities

Down

$23,681,561

Down $16,671 (-0.1%) from 2023

Net Assets

Up

$3,461,197

Up $33,175 (+1.0%) from 2023

Operations
Liabilities / Revenue74th percentileNet Margin29th percentile

Revenue

Up

$1,239,930

Up $136,735 (+12%) from 2023

Expenses

Up

$1,207,192

Up $210,059 (+21%) from 2023

Net Income

Down

$32,738

Down $73,324 (-69%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth44th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $15,130,909Liabilities 2010: $12,424,758Net Assets 2010: $2,706,1512010Assets 2011: $15,524,483Liabilities 2011: $12,750,319Net Assets 2011: $2,774,1642011Assets 2012: $15,574,289Liabilities 2012: $12,734,303Net Assets 2012: $2,839,9862012Assets 2013: $16,514,771Liabilities 2013: $13,625,329Net Assets 2013: $2,889,4422013Assets 2014: $16,962,595Liabilities 2014: $14,038,283Net Assets 2014: $2,924,3122014Assets 2015: $17,290,091Liabilities 2015: $14,306,426Net Assets 2015: $2,983,6652015Assets 2016: $16,580,424Liabilities 2016: $13,564,952Net Assets 2016: $3,015,4722016Assets 2017: $16,325,561Liabilities 2017: $13,262,840Net Assets 2017: $3,062,7212017Assets 2018: $16,899,511Liabilities 2018: $13,770,811Net Assets 2018: $3,128,7002018Assets 2019: $18,974,148Liabilities 2019: $15,796,892Net Assets 2019: $3,177,2562019Assets 2020: $24,508,998Liabilities 2020: $21,305,330Net Assets 2020: $3,203,6682020Assets 2021: $26,588,905Liabilities 2021: $23,310,366Net Assets 2021: $3,278,5392021Assets 2022: $28,482,603Liabilities 2022: $25,123,873Net Assets 2022: $3,358,7302022Assets 2023: $27,126,254Liabilities 2023: $23,698,232Net Assets 2023: $3,428,0222023Assets 2024: $27,142,758Liabilities 2024: $23,681,561Net Assets 2024: $3,461,1972024

Highlighted filing

2024

Assets$27,142,758
Liabilities$23,681,561
Net Assets$3,461,197
Open 2024 Filing

Operations Trend

Revenue Growth63rd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0Expenses 2010: $559,3382010Expenses 2011: $548,4702011Expenses 2012: $531,7762012Revenue 2013: $579,133Expenses 2013: $529,677Net Income 2013: $49,4562013Revenue 2014: $596,161Expenses 2014: $561,291Net Income 2014: $34,8702014Revenue 2015: $630,703Expenses 2015: $571,350Net Income 2015: $59,3532015Revenue 2016: $686,524Expenses 2016: $654,717Net Income 2016: $31,8072016Revenue 2017: $718,892Expenses 2017: $671,643Net Income 2017: $47,2492017Revenue 2018: $759,748Expenses 2018: $693,769Net Income 2018: $65,9792018Revenue 2019: $793,488Expenses 2019: $744,932Net Income 2019: $48,5562019Revenue 2020: $748,990Expenses 2020: $722,577Net Income 2020: $26,4132020Revenue 2021: $812,586Expenses 2021: $737,716Net Income 2021: $74,8702021Revenue 2022: $945,854Expenses 2022: $863,910Net Income 2022: $81,9442022Revenue 2023: $1,103,195Expenses 2023: $997,133Net Income 2023: $106,0622023Revenue 2024: $1,239,930Expenses 2024: $1,207,192Net Income 2024: $32,7382024

Highlighted filing

2024

Revenue$1,239,930
Expenses$1,207,192
Net Income$32,738
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$27,142,758
Liabilities
$23,681,561
Net assets
$3,461,197
Revenue
$1,239,930
Expenses
$1,207,192
Net income
$32,738
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$27.1$23.7$3.46$1.24$1.21$0.03
2023Detailed filing. Detailed filing data is available for this year.$27.1$23.7$3.43$1.10$1.00$0.11
2022Detailed filing. Detailed filing data is available for this year.$28.5$25.1$3.36$0.95$0.86$0.08
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$26.6$23.3$3.28$0.81$0.74$0.07
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.5$21.3$3.20$0.75$0.72$0.03
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.0$15.8$3.18$0.79$0.74$0.05
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.9$13.8$3.13$0.76$0.69$0.07
2017Detailed filing. Detailed filing data is available for this year.$16.3$13.3$3.06$0.72$0.67$0.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$16.6$13.6$3.02$0.69$0.65$0.03
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.3$14.3$2.98$0.63$0.57$0.06
2014Detailed filing. Detailed filing data is available for this year.$17.0$14.0$2.92$0.60$0.56$0.03
2013Detailed filing. Detailed filing data is available for this year.$16.5$13.6$2.89$0.58$0.53$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.6$12.7$2.84$0.53
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.5$12.8$2.77$0.55
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.1$12.4$2.71$0.56
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 10, 2025
Return Version
2024v5.2
Gross Receipts
$1,239,930
Mission and Program Overview

Mission

Credit union member thrift

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$17,138,416$16,501,716▼ $636,700
Savings and Temporary Cash Investments$8,727,283$9,509,342▲ $782,059
Rtn Earn Endowment Incm Other Fnds$3,428,022$3,461,197▲ $33,175
Land, Buildings, and Equipment, Net$421,365$467,955▲ $46,590
Prepaid Expenses and Deferred Charges$330,950$280,011▼ $50,939
Cash and Non-Interest-Bearing Accounts$203,170$112,703▼ $90,467
Accounts Receivable$49,428$40,062▼ $9,366
Total Assets$27,126,254$27,142,758▲ $16,504
Other Assets Total$255,642$230,969▼ $24,673
Liabilities
Other Liabilities$23,563,145$23,648,195▲ $85,050
Accounts Payable and Accrued Expenses$135,087$33,366▼ $101,721
Total Liabilities$23,698,232$23,681,561▼ $16,671
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,428,022$3,461,197▲ $33,175
Total Liabilities and Net Assets / Fund Balance$27,126,254$27,142,758▲ $16,504

Asset Categories

AssetBook ValueDepreciationBasis
Buildings-$375,756-
Other Land Buildings$201$72,374-
Land$119,000--
Equipment$22,290$239,772-
Leasehold Improvements$326,464$121,984-
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Jason T StrunkDirectorpresident
Barry F GannonDirector
Patrick R Mccabe JrDirector
Robert W LittlefieldDirector
Robert a BennetDirector
Ronald J BouchardDirector
Paul D Cronk JrDirectorsecretary
David ProvencherCEO Treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$792,928
Investment Income
$303,811
Other Revenue
$143,191
Change in Net Assets
$32,738
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$844,603
Salaries, Compensation, and Employee Benefits$355,044
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$364,104
Other Salaries and Wages---$237,786
Other Expenses---$134,848
Current Officers, Directors, Trustees, and Key Employees---$90,000
Office Expenses---$77,892
Information Technology---$36,225
Advertising---$35,679
Payroll Taxes---$27,258
Fees for Services Accounting---$22,616
Occupancy---$19,711
Insurance---$10,489
Benefits to Members---$7,545
Conferences and Meetings---$6,791
Depreciation Depletion---$3,486
Total Functional Expenses$0$0$0$1,207,192
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares and Deposi$23,648,195
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI Line 11B

“Outside auditor prepares 990 for cu board and ceo to review”

Part VI Line 11B

“Before being electronically filed by the auditor.”

Part VI Line 19

“Financial statements displayed in the cu lobby.”

Part VI Line 19

“Governing documents and policies are available upon request.”

Filing and Contact Details

Filer

Filer Name
Lowell Firefighters Credit Union
EIN
04-1558025
In Care Of
% DAVID PROVENCHER
Phone
9784532734
Address
642 CHELMSFORD ST, LOWELL, MA 01851

Signing Officer

Name
David Provencher
Title
CEO
Phone
9784532734
Signed
2025-11-10
Discuss with paid preparer
No

Organization Details

Principal Officer
David Provencher
Formed
1963
Legal Domicile
Ma
Voting Board Members
0
Independent Board Members
0
Employees
7

Preparer

Preparer
Charles R Conant Iv
Phone
7815561821
Raw XML Appendix354 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OUTSIDE AUDITOR PREPARES 990 FOR CU BOARD AND CEO TO REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BEFORE BEING ELECTRONICALLY FILED BY THE AUDITOR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2FINANCIAL STATEMENTS DISPLAYED IN THE CU LOBBY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS AND POLICIES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Line 19
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IRS990/TotalReportableCompFromOrgAmt00
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01239930
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IRS990/USAddress/CityNm0LOWELL
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IRS990/WebsiteAddressTxt0LFFCU.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0DAVID PROVENCHER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09784532734
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LOWELL FIREFIGHTERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LOWE
ReturnHeader/Filer/EIN0041558025
ReturnHeader/Filer/InCareOfNm0% DAVID PROVENCHER
ReturnHeader/Filer/PhoneNum09784532734
ReturnHeader/Filer/USAddress/AddressLine1Txt0642 CHELMSFORD ST
ReturnHeader/Filer/USAddress/CityNm0LOWELL
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001851
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerPersonGrp/PhoneNum07815561821
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHARLES R CONANT IV
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-11-10T07:14:21-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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