Civic Intelligence

Lowell Firefighters Credit Union

990 • Fiscal year 2012 • EIN 04-1558025

Jan 01, 2012 to Dec 31, 2012 • Filed on May 17, 2013

Organization ProfileLFFCU.COM

View Organization Page

642 Chelmsford Street01851
Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

24th percentile

0.82x

Higher debt load relative to assets than 24% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

23rd percentile

0.3%

Faster asset growth than 23% of similar nonprofits.

2012 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2011 to 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets24th percentile

Assets

Up

$15,574,289

Up $49,806 (+0.3%) from 2011

Net Assets

Up

$2,839,986

Up $65,822 (+2.4%) from 2011

Liabilities

Down

$12,734,303

Down $16,016 (-0.1%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$531,776

Down $16,694 (-3.0%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth23rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2012

Assets$15,574,289
Liabilities$12,734,303
Net Assets$2,839,986
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this 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

2012

Revenue-
Expenses$531,776
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 17, 2013
Return Version
2012v2.1
Gross Receipts
$597,598
Mission and Program Overview

Mission

Credit union member thrift

Filing and Contact Details

Filer

EIN
04-1558025
Raw XML Appendix392 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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IRS990ScheduleO/GeneralExplanation/Explanation0THE CREDIT UNION IS OWNED BY ITS MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1CREDIT UNION MEMBERS ELECT THEIR VOLUNTEER BOARD OF DIRECTORS WHO ARE ALSO MEMBERS OF THE CREDIT UNION. ONE MEMBER, ONE VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation2ANY MAJOR CHANGES TO THE CREDIT UNION BY-LAWS MUST BE APPROVED BY THE MEMBERSHIP
IRS990ScheduleO/GeneralExplanation/Explanation3THE ACCOUNTING MANAGER PREPARES THE 990. THE PRESIDENT/CEO REVIEWS THE FORM FOR ACCURACY. THE CREDIT UNION'S OUTSIDE CPA AUDITOR REVIEWS THE FORM AND MAKES ANY NECESSARY CORRECTIONS BEFORE ELECTRONICALLY FILING THE REPORT ON THE CREDIT UNION'S BEHALF. THE 990 IS AVAILABLE FOR THE BOARD AND SUPERVISORY COMMITTEE TO REVIEW.
IRS990ScheduleO/GeneralExplanation/Explanation4PROFESSIONAL CREDIT UNION COMPENSATION SURVEYS ARE OBTAINED AND PROVIDED TO THE BOARD. THE BOARD USES THIS INFORMATION IN CONJUNCTION WITH A REVIEW OF THE PERFORMANCE OF THE CEO TO DETERMINE AN APPROPRIATE COMPENSATION AMOUNT. THE BOARD VOTES ON THE CEO'S COMPENSATION.
IRS990ScheduleO/GeneralExplanation/Explanation5THE CREDIT UNION'S BYLAWS ARE AVAILABLE UPON REQUEST. FINANCIAL STATEMENTS ARE POSTED IN THE CU MAIN LOBBY AND ARE AVAILABLE UPON REQUEST. THEY CAN ALSO BE VIEWED ON NCUA'S WEBSITE.
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ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-15T09:19:35-05:00

Document Assets

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Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$15,574,289
Liabilities
$12,734,303
Net assets
$2,839,986
Revenue
-
Expenses
$531,776
Net income
-
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