Civic Intelligence

Firefighters Community Credit Union Inc

990 • Fiscal year 2014 • EIN 34-0150243

Jan 01, 2014 to Dec 31, 2014 • Filed on Nov 06, 2015

Organization ProfileWWW.FFCOMMUNITY.COM

View Organization Page

2300 St Clair AveCleveland, OH 44114

(216) 621-4644

Siviq Scores

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

Liabilities / Assets

54th percentile

0.90x

Higher debt load relative to assets than 54% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Liabilities / Revenue

64th percentile

19.80x

Higher debt load relative to revenue than 64% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Net Margin

4th percentile

-2.1%

Higher net margin than 4% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Top Officer Pay

69th percentile

$236,093

Higher top officer pay than 69% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Source year 2014

Asset Growth

96th percentile

17%

Faster asset growth than 96% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Revenue Growth

54th percentile

2.8%

Faster revenue growth than 54% of similar nonprofits.

2014 filings • 501(c)14 • $100M-$250M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$231,296,936

Up $34,183,705 (+17%) from 2013

Net Assets

Up

$23,419,771

Up $1,028,952 (+4.6%) from 2013

Liabilities

Up

$207,877,165

Up $33,154,753 (+19%) from 2013

Revenue And Expenses
Liabilities / Revenue64th percentileNet Margin4th percentile

Revenue

Up

$10,499,262

Up $285,739 (+2.8%) from 2013

Expenses

Up

$10,724,975

Up $895,130 (+9.1%) from 2013

Net Income

Down

-$225,713

Down $609,391 (-159%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth96th 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

2014

Assets$231,296,936
Liabilities$207,877,165
Net Assets$23,419,771
Open 2014 Filing

Operations Trend

Revenue Growth54th percentile

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

2014

Revenue$10,499,262
Expenses$10,724,975
Net Income-$225,713
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Nov 6, 2015
Return Version
2014v5.0
Gross Receipts
$10,499,262
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.

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 owenrs.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$147,049,202$183,724,042▲ $36,674,840
Rtn Earn Endowment Incm Other Fnds$22,390,819$23,419,771▲ $1,028,952
Savings and Temporary Cash Investments$18,452,157$21,629,056▲ $3,176,899
Investments in Publicly Traded Securities$11,773,842--
Investments Other Securities$26,665$8,939,548▲ $8,912,883
Land, Buildings, and Equipment, Net$4,213,921$7,575,693▲ $3,361,772
Cash and Non-Interest-Bearing Accounts$7,836,975$2,724,872▼ $5,112,103
Prepaid Expenses and Deferred Charges$169,445$737,429▲ $567,984
Receivables From Officers Etc$489,592--
Total Assets$197,113,231$231,296,936▲ $34,183,705
Other Assets Total$7,101,432$5,966,296▼ $1,135,136
Liabilities
Other Liabilities$172,694,984$202,263,490▲ $29,568,506
Accounts Payable and Accrued Expenses$2,027,428$5,613,675▲ $3,586,247
Total Liabilities$174,722,412$207,877,165▲ $33,154,753
Net Assets / Fund Balance
Total Net Assets Fund Balance$22,390,819$23,419,771▲ $1,028,952
Total Liabilities and Net Assets / Fund Balance$197,113,231$231,296,936▲ $34,183,705

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$5,885,777$324,477-
Other Land Buildings$164,041$630,337-
Land$658,096--
Equipment$867,779$1,256,852-
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Benjamin LaurendeauPresident/ceFT$198,990$37,103$236,093
Benjamin LaurendeauPresident/CEO-$198,990$37,103$236,093
John CarrickCFOFT$111,990$33,252$145,242
Lyn RuggeriCOOFT$118,921$25,843$144,764
Terry CorriganCLOFT$106,300$32,741$139,041
Jennifer NorrisCMOFT$96,609$15,783$112,392
Kathy RiggsCRO-$96,474$779$97,253

Board Members and Trustees

NameTitle
William DeightonChairman
James PolkVice Chairma
Bryan GallagherDirector
Damian BorkowskiDirector
Elmer KhalDirector
James AndrewsDirector
John ColemanDirector
Kevin GunnDirector
Matthew WojtowiczDirector
Tony MissigSecretary
Richard BowmanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$10,176,656
Investment Income
$322,606
Other Revenue
$0
Change in Net Assets
$-225,713
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,176,567
Salaries, Compensation, and Employee Benefits$3,838,723
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Office Expenses---$2,475,415
Other Salaries and Wages---$1,990,442
Current Officers, Directors, Trustees, and Key Employees---$729,284
Benefits to Members---$709,685
Other Employee Benefits---$705,977
Occupancy---$404,308
Depreciation Depletion---$339,514
Advertising---$308,273
Payroll Taxes---$209,853
Pension Plan Contributions---$203,167
Conferences and Meetings---$170,292
Other Expenses---$164,452
Fees for Services Management---$78,688
All Other Expenses---$34,394
Fees for Service Investment Mgmnt Fees---$6,527
Interest---$2,683
Total Functional Expenses$0$0$0$10,724,975
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$489,592--
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Savings and Cd Accounts$202,263,490
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

“The 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 are elected by a simple plurality vote.”

Form 990, Page 6, Part VI, Line 7B

“Changes 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.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 12C

“Board members and officers annually complete a survey related to loans, business relationships, and family members that could, or do, create a conflict of interest and are monitored by management and board of directors.”

Form 990, Page 6, Part VI, Line 15A

“The process used to set the ceo's annual salary is based on a combination of comparison to comparable sized credit unions and performance objectives that have been acheived on an annual basis. The salary is voted on and agreed upon by the board of directors.”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Firefighters Community Credit Union
EIN
34-0150243
Phone
2166214644
Address
2300 ST CLAIR AVE, CLEVELAND, OH 44114

Signing Officer

Name
Ben Laurendeau
Title
President & CEO
Phone
2166214644
Signed
2015-11-06

Organization Details

Principal Officer
Ben Laurendeau
Formed
1936
Legal Domicile
Oh
Voting Board Members
11
Independent Board Members
11
Employees
77
Volunteers
11

Preparer

Firm
Weston & Company Cpas LLC
Address
371 COUNTY LINE RD W STE 100B, WESTERVILLE, OH 43082
Preparer
Andrew Mathias CPA
Phone
6148906620
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S 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 owenrs.”

Form 990, Part XI, Line 9

“Equity acquired in merger 1,455,090”

Raw XML AppendixShowing 400 of 420 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/GrossReceiptsAmt010499262
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt011
IRS990/IndivRcvdGreaterThan100KCnt04
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/TotalAmt02683
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0322606
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0322606
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt026665
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt08939548
IRS990/InvestmentsPubTradedSecGrp/BOYAmt011773842
IRS990/IRPDocumentCnt04521
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt02211666
IRS990/LandBldgEquipBasisNetGrp/BOYAmt04213921
IRS990/LandBldgEquipBasisNetGrp/EOYAmt07575693
IRS990/LandBldgEquipCostOrOtherBssAmt09787359
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO 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 OWENRS.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt022390819
IRS990/NetAssetsOrFundBalancesEOYAmt023419771
IRS990/NetUnrelatedBusTxblIncmAmt0-18094
IRS990/NetUnrlzdGainsLossesInvstAmt0-12212
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt0404308
IRS990/OfficeExpensesGrp/TotalAmt02475415
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07101432
IRS990/OtherAssetsTotalGrp/EOYAmt05966296
IRS990/OtherChangesInNetAssetsAmt01455090
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0705977
IRS990/OtherExpensesGrp/Desc0PROVISION FOR LOSSES
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2OPERATING
IRS990/OtherExpensesGrp/Desc3OUTSIDE SERVICES
IRS990/OtherExpensesGrp/TotalAmt0983529
IRS990/OtherExpensesGrp/TotalAmt1917816
IRS990/OtherExpensesGrp/TotalAmt2290676
IRS990/OtherExpensesGrp/TotalAmt3164452
IRS990/OtherLiabilitiesGrp/BOYAmt0172694984
IRS990/OtherLiabilitiesGrp/EOYAmt0202263490
IRS990/OtherSalariesAndWagesGrp/TotalAmt01990442
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0147049202
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0183724042
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt0209853
IRS990/PensionPlanContributionsGrp/TotalAmt0203167
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0169445
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0737429
IRS990/PrincipalOfficerNm0BEN LAURENDEAU
IRS990/PriorPeriodAdjustmentsAmt0-188213
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522200
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt07357645
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11736275
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21055597
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt07357645
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11736275
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21055597
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt327139
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt027139
IRS990/ProgSrvcAccomActy2Grp/Desc0EMPLOYEE LABOR AND BENEFIT COSTS INCURRED PROVIDING MEMBER SERVICES AND SUPPORT; INCLUDING SAVINGS DEPOSITS AND WITHDRAWALS, LOAN ORIGINATION AND SERVICING, AND MEMBER TECHNICAL SUPPORT.
IRS990/ProgSrvcAccomActy3Grp/Desc0DATA PROCESSING COSTS INCURRED RECORDING MEMBER ACCOUNT ACTIVITY AND PROVIDING ACCESS TO MEMBERS TO THIER ACCOUNTS VIA HOME BANKING, ATM NETWORKS AND IN PERSON AT THE CREDIT UNION OFFICES.
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt0738060
IRS990/PYInvestmentIncomeAmt0470074
IRS990/PYOtherExpensesAmt05539004
IRS990/PYProgramServiceRevenueAmt09743449
IRS990/PYRevenuesLessExpensesAmt0383678
IRS990/PYSalariesCompEmpBnftPaidAmt03552781
IRS990/PYTotalExpensesAmt09829845
IRS990/PYTotalRevenueAmt010213523
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0489592
IRS990/ReconcilationRevenueExpnssAmt0-225713
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt022390819
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt023419771
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018452157
IRS990/SavingsAndTempCashInvstGrp/EOYAmt021629056
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt05885777
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0324477
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt06210254
IRS990ScheduleD/EquipmentGrp/BookValueAmt0867779
IRS990ScheduleD/EquipmentGrp/DepreciationAmt01256852
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt02124631
IRS990ScheduleD/LandGrp/BookValueAmt0658096
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0658096
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0164041
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0630337
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt0794378
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0202263490
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SAVINGS AND CD ACCOUNTS
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07575693
IRS990ScheduleD/TotalLiabilityAmt0202263490
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0198990
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt037103
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0BENJAMIN LAURENDEAU
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0236093
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO 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 OWENRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE 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 ARE ELECTED BY A SIMPLE PLURALITY VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHANGES 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/SupplementalInformationDetail/ExplanationTxt3NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD MEMBERS AND OFFICERS ANNUALLY COMPLETE A SURVEY RELATED TO LOANS, BUSINESS RELATIONSHIPS, AND FAMILY MEMBERS THAT COULD, OR DO, CREATE A CONFLICT OF INTEREST AND ARE MONITORED BY MANAGEMENT AND BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PROCESS USED TO SET THE CEO'S ANNUAL SALARY IS BASED ON A COMBINATION OF COMPARISON TO COMPARABLE SIZED CREDIT UNIONS AND PERFORMANCE OBJECTIVES THAT HAVE BEEN ACHEIVED ON AN ANNUAL BASIS. THE SALARY IS VOTED ON AND AGREED UPON BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7EQUITY ACQUIRED IN MERGER 1,455,090
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0197113231
IRS990/TotalAssetsEOYAmt0231296936
IRS990/TotalAssetsGrp/BOYAmt0197113231
IRS990/TotalAssetsGrp/EOYAmt0231296936
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt077
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt010724975
IRS990/TotalGrossUBIAmt027139
IRS990/TotalLiabilitiesBOYAmt0174722412
IRS990/TotalLiabilitiesEOYAmt0207877165
IRS990/TotalLiabilitiesGrp/BOYAmt0174722412
IRS990/TotalLiabilitiesGrp/EOYAmt0207877165
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt022390819
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt023419771
IRS990/TotalOtherCompensationAmt0145501
IRS990/TotalProgramServiceRevenueAmt010176656
IRS990/TotalReportableCompFromOrgAmt0729284
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt010472123
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt010499262
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt027139
IRS990/TotalVolunteersCnt011
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0197113231
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0231296936
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02300 ST CLAIR AVENUE
IRS990/USAddress/CityNm0CLEVELAND
IRS990/USAddress/StateAbbreviationCd0OH
IRS990/USAddress/ZIPCd044114
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WebsiteAddressTxt0WWW.FFCOMMUNITY.COM
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/PersonNm0BEN LAURENDEAU
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT & CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum02166214644
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-11-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FIREFIGHTERS COMMUNITY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FIRE

Document Assets

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Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$231,296,936
Liabilities
$207,877,165
Net assets
$23,419,771
Revenue
$10,499,262
Expenses
$10,724,975
Net income
-$225,713
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