Civic Intelligence

Firefighters Credit Union

990 • Fiscal year 2013 • EIN 35-1007782

Jan 01, 2013 to Dec 31, 2013 • Filed on Feb 07, 2014

Organization ProfileWWW.FIRE-CU.ORG

View Organization Page

501 North New Jersey Street46204

(800) 462-1431

Siviq Scores

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

Liabilities / Assets

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Liabilities / Revenue

76th percentile

21.84x

Higher debt load relative to revenue than 76% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Net Margin

40th percentile

6.7%

Higher net margin than 40% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Top Officer Pay

7th percentile

$77,140

Higher top officer pay than 7% of similar nonprofits.

Top officer pay equals 3.3% of source-year revenue.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2013

Asset Growth

79th percentile

5.4%

Faster asset growth than 79% of similar nonprofits.

2013 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2012 to 2013

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2013

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$56,064,928

Up $2,862,606 (+5.4%) from 2012

Net Assets

Up

$5,436,181

Up $195,766 (+3.7%) from 2012

Liabilities

Up

$50,628,747

Up $2,666,840 (+5.6%) from 2012

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin40th percentile

Revenue

$2,318,666

No earlier filing loaded for comparison.

Expenses

Down

$2,163,620

Down $207,633 (-8.8%) from 2012

Net Income

$155,046

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth79th percentile

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

$100M$50M$0Assets 2010: $50,946,605Liabilities 2010: $21,091Net Assets 2010: $50,925,5142010Assets 2011: $51,862,480Liabilities 2011: $46,697,982Net Assets 2011: $5,164,4982011Assets 2012: $53,202,322Liabilities 2012: $47,961,907Net Assets 2012: $5,240,4152012Assets 2013: $56,064,928Liabilities 2013: $50,628,747Net Assets 2013: $5,436,1812013Assets 2014: $57,015,505Liabilities 2014: $51,537,015Net Assets 2014: $5,478,4902014Assets 2015: $62,098,854Liabilities 2015: $54,463,235Net Assets 2015: $7,635,6192015Assets 2016: $62,397,730Liabilities 2016: $54,622,566Net Assets 2016: $7,775,1642016Assets 2017: $64,214,364Liabilities 2017: $56,621,657Net Assets 2017: $7,592,7072017Assets 2018: $67,470,282Liabilities 2018: $59,488,647Net Assets 2018: $7,981,6352018Assets 2019: $66,774,557Liabilities 2019: $58,422,214Net Assets 2019: $8,352,3432019Assets 2020: $78,110,259Liabilities 2020: $69,599,343Net Assets 2020: $8,510,9162020Assets 2021: $84,585,258Liabilities 2021: $75,571,824Net Assets 2021: $9,013,4342021Assets 2022: $87,580,317Liabilities 2022: $78,303,654Net Assets 2022: $9,276,6632022Assets 2023: $81,366,116Liabilities 2023: $71,700,613Net Assets 2023: $9,665,5032023Assets 2024: $85,200,613Liabilities 2024: $74,999,848Net Assets 2024: $10,200,7652024

Highlighted filing

2013

Assets$56,064,928
Liabilities$50,628,747
Net Assets$5,436,181
Open 2013 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $3,310,1392010Expenses 2011: $2,606,6592011Expenses 2012: $2,371,2532012Revenue 2013: $2,318,666Expenses 2013: $2,163,620Net Income 2013: $155,0462013Revenue 2014: $2,179,759Expenses 2014: $2,137,450Net Income 2014: $42,3092014Revenue 2015: $2,252,024Expenses 2015: $2,133,867Net Income 2015: $118,1572015Revenue 2016: $2,246,023Expenses 2016: $2,106,478Net Income 2016: $139,5452016Revenue 2017: $2,233,912Expenses 2017: $2,416,369Net Income 2017: -$182,4572017Revenue 2018: $2,701,248Expenses 2018: $2,312,320Net Income 2018: $388,9282018Revenue 2019: $2,792,162Expenses 2019: $2,421,454Net Income 2019: $370,7082019Revenue 2020: $2,540,426Expenses 2020: $2,381,853Net Income 2020: $158,5732020Revenue 2021: $2,760,339Expenses 2021: $2,257,821Net Income 2021: $502,5182021Revenue 2022: $2,731,615Expenses 2022: $2,468,386Net Income 2022: $263,2292022Revenue 2023: $3,319,358Expenses 2023: $2,930,518Net Income 2023: $388,8402023Revenue 2024: $3,539,521Expenses 2024: $3,004,259Net Income 2024: $535,2622024

Highlighted filing

2013

Revenue$2,318,666
Expenses$2,163,620
Net Income$155,046
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Feb 7, 2014
Return Version
2013v3.1
Gross Receipts
$2,318,666
Mission and Program Overview

Mission

Provide loan, deposit, and financial services to approximately 5,345 members.

Provide loan, deposit, and financial services to approximately 6,020 members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$25,972,894$28,847,045▲ $2,874,151
Other Notes and Loans Receivable, Net$24,716,098$24,856,354▲ $140,256
Rtn Earn Endowment Incm Other Fnds$5,240,415$5,436,181▲ $195,766
Land, Buildings, and Equipment, Net$1,341,205$1,303,217▼ $37,988
Cash and Non-Interest-Bearing Accounts$343,239$212,075▼ $131,164
Prepaid Expenses and Deferred Charges$182,410$138,342▼ $44,068
Accounts Receivable$-1,118$123▲ $1,241
Total Assets$53,202,321$56,064,928▲ $2,862,607
Other Assets Total$647,593$707,772▲ $60,179
Liabilities
Other Liabilities$47,577,720$50,576,970▲ $2,999,250
Accounts Payable and Accrued Expenses$384,186$51,777▼ $332,409
Total Liabilities$47,961,906$50,628,747▲ $2,666,841
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,240,415$5,436,181▲ $195,766
Total Liabilities and Net Assets / Fund Balance$53,202,321$56,064,928▲ $2,862,607

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,180,705$304,458$1,485,163
Equipment$60,564$93,466$154,030
Land$60,000-$60,000
Other Land Buildings$1,948$2,416$4,364
Compensation and Service Providers
Top Officer Pay7th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Linda WalkerCEOFT$77,140$77,140

Board Members and Trustees

NameTitle
Jerry HouselChairman
David HarmanDirector
Mark HarveyDirector
Matthew J KestersonDirector
Rita ReithDirector
Gregory Harris1st Vice CHA
Nathaniel Harman2nd Vice CHA
Timothy WhitakerSecretary
Jason SmithTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,412,711
Investment Income
$309,236
Other Revenue
$596,719
Change in Net Assets
$155,046
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,260,858
Salaries, Compensation, and Employee Benefits$902,762
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$628,338
Other Salaries and Wages---$604,660
Office Expenses---$190,199
Other Employee Benefits---$147,380
Current Officers, Directors, Trustees, and Key Employees---$77,140
Payroll Taxes---$60,283
Depreciation Depletion---$50,484
Other Expenses---$37,894
All Other Expenses---$35,107
Advertising---$33,102
Occupancy---$23,356
Fees for Services Legal---$14,820
Pension Plan Contributions---$13,299
Fees for Services Accounting---$7,075
Conferences and Meetings---$1,478
Interest---$7
Total Functional Expenses$0$0$0$2,163,620
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
Other Liabilities$50,576,970
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 2

“David harman nathan harman father and son”

Form 990, Page 6, Part VI, Line 6

“All firefighters appointed to any capacity or status and the civilian employees of the fire departments of marion, boone, hamilton, hancock, hendricks, johnson, morgan, and shelby counties in indiana, along with employees and family members of certain employers are eligible for membership.”

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

“Members elect board members at the annual meeting.”

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

“Reviewed by treasurer prior to filing.”

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

“Board of directors uses independent salary surveys to determine ceo salary.”

Form 990, Page 6, Part VI, Line 19

“On request and financial statements posted on website.”

Filing and Contact Details

Filer

EIN
35-1007782
Phone
8004621431

Signing Officer

Name
Linda Walker
Title
CEO
Phone
8004621431
Signed
2014-02-07
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Linda Walker
Formed
1956
Legal Domicile
In
Voting Board Members
9
Independent Board Members
9
Employees
19
Volunteers
13

Preparer

Preparer
Michael G Whisler CPA
Phone
7652897951
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Provide loan, deposit, and financial services to approximatley 6020 members.”

Form 990, Part IX, Line 11G

“Atm processing 57,706 0 0 other it expenses 24,209 0 0 shared branch processing 162,519 0 0 debit card processing 167,743 0 0 on-line data processing 130,661 0 0 internet banking expense 56,259 0 0 other fees 29,241 0 0”

Form 990, Part XI, Line 9

“Adjustment to prior year re 40,720”

Raw XML Appendix357 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/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt05240415
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt05436181
IRS990/SavingsAndTempCashInvstGrp/BOYAmt025972894
IRS990/SavingsAndTempCashInvstGrp/EOYAmt028847045
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt01180705
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0304458
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01485163
IRS990ScheduleD/EquipmentGrp/BookValueAmt060564
IRS990ScheduleD/EquipmentGrp/DepreciationAmt093466
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0154030
IRS990ScheduleD/LandGrp/BookValueAmt060000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt060000
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt01948
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt02416
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt04364
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt050576970
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01303217
IRS990ScheduleD/TotalLiabilityAmt050576970
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE LOAN, DEPOSIT, AND FINANCIAL SERVICES TO APPROXIMATLEY 6020 MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1DAVID HARMAN NATHAN HARMAN FATHER AND SON
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL FIREFIGHTERS APPOINTED TO ANY CAPACITY OR STATUS AND THE CIVILIAN EMPLOYEES OF THE FIRE DEPARTMENTS OF MARION, BOONE, HAMILTON, HANCOCK, HENDRICKS, JOHNSON, MORGAN, AND SHELBY COUNTIES IN INDIANA, ALONG WITH EMPLOYEES AND FAMILY MEMBERS OF CERTAIN EMPLOYERS ARE ELIGIBLE FOR MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERS ELECT BOARD MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4REVIEWED BY TREASURER PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5BOARD OF DIRECTORS USES INDEPENDENT SALARY SURVEYS TO DETERMINE CEO SALARY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ON REQUEST AND FINANCIAL STATEMENTS POSTED ON WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ATM PROCESSING 57,706 0 0 OTHER IT EXPENSES 24,209 0 0 SHARED BRANCH PROCESSING 162,519 0 0 DEBIT CARD PROCESSING 167,743 0 0 ON-LINE DATA PROCESSING 130,661 0 0 INTERNET BANKING EXPENSE 56,259 0 0 OTHER FEES 29,241 0 0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8ADJUSTMENT TO PRIOR YEAR RE 40,720
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
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 IX, LINE 11G
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IN
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt053202321
IRS990/TotalAssetsEOYAmt056064928
IRS990/TotalAssetsGrp/BOYAmt053202321
IRS990/TotalAssetsGrp/EOYAmt056064928
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt019
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt02163620
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt047961906
IRS990/TotalLiabilitiesEOYAmt050628747
IRS990/TotalLiabilitiesGrp/BOYAmt047961906
IRS990/TotalLiabilitiesGrp/EOYAmt050628747
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05240415
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05436181
IRS990/TotalProgramServiceRevenueAmt01412711
IRS990/TotalReportableCompFromOrgAmt077140
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02318666
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02318666
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt053202321
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt056064928
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine10501 NORTH NEW JERSEY STREET
IRS990/USAddress/City0INDIANAPOLIS
IRS990/USAddress/State0IN
IRS990/USAddress/ZIPCode046204
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.FIRE-CU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02015-11-30 17:44:51Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0LINDA WALKER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08004621431
ReturnHeader/BusinessOfficerGrp/SignatureDt02014-02-07
ReturnHeader/Filer/BusinessName/BusinessNameLine10FIREFIGHTERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FIRE
ReturnHeader/Filer/EIN0351007782
ReturnHeader/Filer/PhoneNum08004621431
ReturnHeader/Filer/USAddress/AddressLine10501 NORTH NEW JERSEY STREET
ReturnHeader/Filer/USAddress/City0INDIANPOLIS
ReturnHeader/Filer/USAddress/State0IN
ReturnHeader/Filer/USAddress/ZIPCode046204
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine10SUMMERS CARROLL WHISLER LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine10330 EAST MAIN STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/City0MUNCIE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/State0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCode047305
ReturnHeader/PreparerPersonGrp/PhoneNum07652897951
ReturnHeader/PreparerPersonGrp/PreparationDt02014-02-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL G WHISLER CPA
ReturnHeader/ReturnTs02014-02-20T13:46:09-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02013-01-01
ReturnHeader/TaxPeriodEndDt02013-12-31
ReturnHeader/TaxYr02013

Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$56,064,928
Liabilities
$50,628,747
Net assets
$5,436,181
Revenue
$2,318,666
Expenses
$2,163,620
Net income
$155,046
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$85.2$75.0$10.2$3.54$3.00$0.54
2023Detailed filing. Detailed filing data is available for this year.$81.4$71.7$9.67$3.32$2.93$0.39
2022Detailed filing. Detailed filing data is available for this year.$87.6$78.3$9.28$2.73$2.47$0.26
2021Detailed filing. Detailed filing data is available for this year.$84.6$75.6$9.01$2.76$2.26$0.50
2020Detailed filing. Detailed filing data is available for this year.$78.1$69.6$8.51$2.54$2.38$0.16
2019Detailed filing. Detailed filing data is available for this year.$66.8$58.4$8.35$2.79$2.42$0.37
2018Detailed filing. Detailed filing data is available for this year.$67.5$59.5$7.98$2.70$2.31$0.39
2017Detailed filing. Detailed filing data is available for this year.$64.2$56.6$7.59$2.23$2.42$0.18
2016Detailed filing. Detailed filing data is available for this year.$62.4$54.6$7.78$2.25$2.11$0.14
2015Detailed filing. Detailed filing data is available for this year.$62.1$54.5$7.64$2.25$2.13$0.12
2014Detailed filing. Detailed filing data is available for this year.$57.0$51.5$5.48$2.18$2.14$0.04
2013Detailed filing. Detailed filing data is available for this year.$56.1$50.6$5.44$2.32$2.16$0.16
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$53.2$48.0$5.24$2.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.9$46.7$5.16$2.61
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.9$0.02$50.9$3.31