Civic Intelligence

Firefighters Community Credit Union Inc

990 • Fiscal year 2012 • EIN 34-0150243

Jan 01, 2012 to Dec 31, 2012 • Filed on May 08, 2013

Organization ProfileWWW.FFCOMMUNITY.COM

View Organization Page

2300 St Clair Ave44114
Siviq Scores

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

Liabilities / Assets

36th percentile

0.89x

Higher debt load relative to assets than 36% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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

81st percentile

8.7%

Faster asset growth than 81% of similar nonprofits.

2012 filings • 501(c)14 • $100M-$250M 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 / Assets36th percentile

Assets

Up

$193,514,875

Up $15,427,857 (+8.7%) from 2011

Net Assets

Up

$22,231,177

Up $1,992,211 (+9.8%) from 2011

Liabilities

Up

$171,283,698

Up $13,435,646 (+8.5%) from 2011

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Up

$8,939,873

Up $284,965 (+3.3%) from 2011

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth81st percentile

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

$400M$300M$200M$100M$0Assets 2010: $177,018,013Liabilities 2010: $158,093,082Net Assets 2010: $18,924,9312010Assets 2011: $178,087,018Liabilities 2011: $157,848,052Net Assets 2011: $20,238,9662011Assets 2012: $193,514,875Liabilities 2012: $171,283,698Net Assets 2012: $22,231,1772012Assets 2013: $197,113,231Liabilities 2013: $174,722,412Net Assets 2013: $22,390,8192013Assets 2014: $231,296,936Liabilities 2014: $207,877,165Net Assets 2014: $23,419,7712014Assets 2015: $234,772,067Liabilities 2015: $211,216,478Net Assets 2015: $23,555,5892015Assets 2016: $242,477,686Liabilities 2016: $218,999,124Net Assets 2016: $23,478,5622016Assets 2017: $248,680,811Liabilities 2017: $225,030,605Net Assets 2017: $23,650,2062017Assets 2018: $250,770,717Liabilities 2018: $226,077,753Net Assets 2018: $24,692,9642018Assets 2019: $255,981,903Liabilities 2019: $229,710,440Net Assets 2019: $26,271,4632019Assets 2020: $289,517,324Liabilities 2020: $262,535,560Net Assets 2020: $26,981,7642020Assets 2021: $312,911,216Liabilities 2021: $285,530,205Net Assets 2021: $27,381,0112021Assets 2022: $335,297,509Liabilities 2022: $308,233,515Net Assets 2022: $27,063,9942022Assets 2023: $330,048,636Liabilities 2023: $301,735,015Net Assets 2023: $28,313,6212023Assets 2024: $343,850,260Liabilities 2024: $313,087,212Net Assets 2024: $30,763,0482024

Highlighted filing

2012

Assets$193,514,875
Liabilities$171,283,698
Net Assets$22,231,177
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$30M$20M$10M$0-$10MExpenses 2010: $9,733,0742010Expenses 2011: $8,654,9082011Expenses 2012: $8,939,8732012Revenue 2013: $10,213,523Expenses 2013: $9,829,845Net Income 2013: $383,6782013Revenue 2014: $10,499,262Expenses 2014: $10,724,975Net Income 2014: -$225,7132014Revenue 2015: $12,409,501Expenses 2015: $12,318,048Net Income 2015: $91,4532015Revenue 2016: $13,035,438Expenses 2016: $13,130,638Net Income 2016: -$95,2002016Revenue 2017: $13,336,993Expenses 2017: $13,146,893Net Income 2017: $190,1002017Revenue 2018: $13,577,211Expenses 2018: $12,523,061Net Income 2018: $1,054,1502018Revenue 2019: $14,383,463Expenses 2019: $12,857,969Net Income 2019: $1,525,4942019Revenue 2020: $13,000,563Expenses 2020: $12,308,358Net Income 2020: $692,2052020Revenue 2021: $13,147,195Expenses 2021: $12,269,199Net Income 2021: $877,9962021Revenue 2022: $14,606,591Expenses 2022: $12,761,956Net Income 2022: $1,844,6352022Revenue 2023: $17,544,871Expenses 2023: $17,041,273Net Income 2023: $503,5982023Revenue 2024: $20,259,225Expenses 2024: $18,525,921Net Income 2024: $1,733,3042024

Highlighted filing

2012

Revenue-
Expenses$8,939,873
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 8, 2013
Return Version
2012v2.1
Gross Receipts
$9,946,289
Mission and Program Overview

Mission

To provide lending, savings, and other financial services to its qualifying members at terms generally better than available in the marketplace and with a "service-based emphasis" that recognizes the members' status as owners.

Filing and Contact Details

Filer

EIN
34-0150243
Raw XML AppendixShowing 400 of 505 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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IRS990ScheduleL/LoanTable/NamePerson4ELMER KHAL
IRS990ScheduleL/LoanTable/NamePerson5ALLEN POSLET
IRS990ScheduleL/LoanTable/NamePerson6JAMES ANDREWS
IRS990ScheduleL/LoanTable/NamePerson7BRYAN GALLAGHER
IRS990ScheduleL/LoanTable/NamePerson8KEVIN GUNN
IRS990ScheduleL/LoanTable/NamePerson9DAMIAN BORKOWSKI
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount019684
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount181730
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount246583
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount337267
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount412632
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount559006
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount610000
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount710001
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount821921
IRS990ScheduleL/LoanTable/OriginalPrincipalAmount9250
IRS990ScheduleL/LoanTable/PurposeOfLoan0PERSONAL LOANS
IRS990ScheduleL/LoanTable/PurposeOfLoan1PERSONAL LOANS
IRS990ScheduleL/LoanTable/PurposeOfLoan2PERSONAL LOANS
IRS990ScheduleL/LoanTable/PurposeOfLoan3PERSONAL LOANS
IRS990ScheduleL/LoanTable/PurposeOfLoan4PERSONAL LOANS
IRS990ScheduleL/LoanTable/PurposeOfLoan5PERSONAL LOANS
IRS990ScheduleL/LoanTable/PurposeOfLoan6PERSONAL LOANS
IRS990ScheduleL/LoanTable/PurposeOfLoan7PERSONAL LOANS
IRS990ScheduleL/LoanTable/PurposeOfLoan8PERSONAL LOANS
IRS990ScheduleL/LoanTable/PurposeOfLoan9PERSONAL LOANS
IRS990ScheduleL/LoanTable/WrittenAgreement0true
IRS990ScheduleL/LoanTable/WrittenAgreement1true
IRS990ScheduleL/LoanTable/WrittenAgreement2true
IRS990ScheduleL/LoanTable/WrittenAgreement3true
IRS990ScheduleL/LoanTable/WrittenAgreement4true
IRS990ScheduleL/LoanTable/WrittenAgreement5true
IRS990ScheduleL/LoanTable/WrittenAgreement6true
IRS990ScheduleL/LoanTable/WrittenAgreement7true
IRS990ScheduleL/LoanTable/WrittenAgreement8true
IRS990ScheduleL/LoanTable/WrittenAgreement9true
IRS990ScheduleL/TotalBalanceDue0477522
IRS990ScheduleO/GeneralExplanation/Explanation0TO PROVIDE LENDING, SAVINGS, AND OTHER FINANCIAL SERVICES TO ITS QUALIFYING MEMBERS AT TERMS GENERALLY BETTER THAN AVAILABLE IN THE MARKETPLACE AND WITH A "SERVICE-BASED EMPHASIS" THAT RECOGNIZES THE MEMBERS' STATUS AS OWNERS.
IRS990ScheduleO/GeneralExplanation/Explanation1DIVIDENDS AND INTEREST PAID TO MEMBERS IN APPROXIMATELY 40,000 DEPOSIT ACCOUNTS HELD BY APPROXIMATELY 25,000 MEMBERS. DIRECT LABOR AND EMPLOYEE COSTS INCURRED PROVIDING SAVINGS AND DEPOSIT SERVICES, ORIGINATING NEW LOANS AND SERVICING THE LOAN PORTFOLIO FOR MEMBERS. DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THEIR ACCOUNTS VIA HOME BANKING, ATM NETWORKS AND IN PERSON AT THE CREDIT UNION OFFICES.
IRS990ScheduleO/GeneralExplanation/Explanation2THE MEMBER-OWNERS OF THE CREDIT UNION HAVE THE AUTHORITY TO ELECT THE MEMBERS OF THE BOARD OF DIRECTORS FOR TERMS ON A ROTATING BASIS. CANDIDATES AR ELECTED BY A SIMPLE PLURALITY VOTE.
IRS990ScheduleO/GeneralExplanation/Explanation3CHANGES TO THE GOVERNING DOCUMENTS MUST BE APPROVED BY THE MEMBER-OWNERS AFTER THEY HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS AND THE REGULATORY AGENCY.
IRS990ScheduleO/GeneralExplanation/Explanation4NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/GeneralExplanation/Explanation5BOARD MEMBERS AND OFFICERS ANNUALLY COMPLETE A SURVEY RELATED TO LOANS, BUSINESS RELATIONSHIPS, AND FAMILY MEMBERS THAT COULD, OR DO, CREATE A CONFLICT OF INTEREST. CONFLICTS OF INTEREST ARE MONITORED BY MANAGEMENT AND THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation6THE PROCESS USED TO SET THE CEO'S ANNUAL SALARY IS BASED ON A COMBINATION OF COMPARISON TO COMPARABLE SIZED CREDIT UNIONS AND PERFORMANCE OBJECTIVES DEFINED THAT HAVE BEEN ACHIEVED ON AN ANNUAL BASIS. THE SALARY IS VOTED ON AND AGREED UPON BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/GeneralExplanation/Explanation7THE SAME PROCESS IS USED ON OTHER OFFICERS AND EMPLOYEES AS IS USED ON THE CEO.
IRS990ScheduleO/GeneralExplanation/Explanation8NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/GeneralExplanation/Explanation9BOOK / TAX DEPRECIATION DIFFERENCE 253,650

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
$193,514,875
Liabilities
$171,283,698
Net assets
$22,231,177
Revenue
-
Expenses
$8,939,873
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$344$313$30.8$20.3$18.5$1.73
2023Detailed filing. Detailed filing data is available for this year.$330$302$28.3$17.5$17.0$0.50
2022Detailed filing. Detailed filing data is available for this year.$335$308$27.1$14.6$12.8$1.84
2021Detailed filing. Detailed filing data is available for this year.$313$286$27.4$13.1$12.3$0.88
2020Detailed filing. Detailed filing data is available for this year.$290$263$27.0$13.0$12.3$0.69
2019Detailed filing. Detailed filing data is available for this year.$256$230$26.3$14.4$12.9$1.53
2018Detailed filing. Detailed filing data is available for this year.$251$226$24.7$13.6$12.5$1.05
2017Detailed filing. Detailed filing data is available for this year.$249$225$23.7$13.3$13.1$0.19
2016Detailed filing. Detailed filing data is available for this year.$242$219$23.5$13.0$13.1$0.10
2015Detailed filing. Detailed filing data is available for this year.$235$211$23.6$12.4$12.3$0.09
2014Detailed filing. Detailed filing data is available for this year.$231$208$23.4$10.5$10.7$0.23
2013Detailed filing. Detailed filing data is available for this year.$197$175$22.4$10.2$9.83$0.38
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$194$171$22.2$8.94
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$178$158$20.2$8.65
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$177$158$18.9$9.73