Civic Intelligence

Firefighters Credit Union

990 • Fiscal year 2024 • EIN 35-1007782

Jan 01, 2024 to Dec 31, 2024 • Filed on May 27, 2025

Organization ProfileWWW.FIRE-CU.ORG

View Organization Page

726 Massachusetts AvenueIndianapolis, IN 46204

(800) 462-1431

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.88x

Higher debt load relative to assets than 52% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

94th percentile

21.19x

Higher debt load relative to revenue than 94% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

60th percentile

15%

Higher net margin than 60% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

55th percentile

$165,788

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 4.7% of source-year revenue.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

75th percentile

4.7%

Faster asset growth than 75% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

23rd percentile

6.6%

Faster revenue growth than 23% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$85,200,613

Up $3,834,497 (+4.7%) from 2023

Net Assets

Up

$10,200,765

Up $535,262 (+5.5%) from 2023

Liabilities

Up

$74,999,848

Up $3,299,235 (+4.6%) from 2023

Revenue And Expenses
Liabilities / Revenue94th percentileNet Margin60th percentile

Revenue

Up

$3,539,521

Up $220,163 (+6.6%) from 2023

Expenses

Up

$3,004,259

Up $73,741 (+2.5%) from 2023

Net Income

Up

$535,262

Up $146,422 (+38%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth75th 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

2024

Assets$85,200,613
Liabilities$74,999,848
Net Assets$10,200,765
Open 2024 Filing

Operations Trend

Revenue Growth23rd percentile

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

2024

Revenue$3,539,521
Expenses$3,004,259
Net Income$535,262
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 27, 2025
Return Version
2024v5.0
Gross Receipts
$3,539,521
Mission and Program Overview

Mission

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

Provide loan, deposit, and financial services to approximately 4,914 members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$42,518,991$48,233,259▲ $5,714,268
Other Notes and Loans Receivable, Net$34,182,303$32,896,674▼ $1,285,629
Rtn Earn Endowment Incm Other Fnds$9,665,503$10,200,765▲ $535,262
Land, Buildings, and Equipment, Net$2,540,327$2,466,976▼ $73,351
Prepaid Expenses and Deferred Charges$287,419$269,045▼ $18,374
Cash and Non-Interest-Bearing Accounts$680,486$242,443▼ $438,043
Total Assets$81,366,116$85,200,613▲ $3,834,497
Other Assets Total$1,156,590$1,092,216▼ $64,374
Liabilities
Other Liabilities$71,585,643$74,912,305▲ $3,326,662
Accounts Payable and Accrued Expenses$108,149$83,420▼ $24,729
Escrow Account Liability$6,821$4,123▼ $2,698
Total Liabilities$71,700,613$74,999,848▲ $3,299,235
Net Assets / Fund Balance
Total Net Assets Fund Balance$9,665,503$10,200,765▲ $535,262
Total Liabilities and Net Assets / Fund Balance$81,366,116$85,200,613▲ $3,834,497

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,594,868$310,400$1,905,268
Land$792,750-$792,750
Equipment$79,358$363,798$443,156
Compensation and Service Providers
Top Officer Pay55th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Melody SelfCEO/presidenFT$145,410$20,378$165,788
Melody SelfCEO/president-$145,410$20,378$165,788
Deirdre GerronVice PresideFT$105,983$19,189$125,172

Board Members and Trustees

NameTitle
Gregory HarrisChairman
Bernie MicklerDirector
David HarmanDirector
Rita ReithDirector
Ron KauskyDirector
Jason Smith1st Vice CHA
Mark Harvey2nd Vice CHA
Jerry HouselSecretary
Nathaniel HarmanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,180,150
Investment Income
$877,401
Other Revenue
$481,970
Change in Net Assets
$535,262
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,928,532
Salaries, Compensation, and Employee Benefits$1,075,727
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Other---$855,016
Other Salaries and Wages---$539,263
Current Officers, Directors, Trustees, and Key Employees---$290,960
Office Expenses---$211,324
Other Employee Benefits---$175,277
Occupancy---$120,277
Depreciation Depletion---$81,565
Payroll Taxes---$61,920
Insurance---$49,071
Advertising---$23,760
Other Expenses---$17,876
Fees for Services Legal---$16,658
Fees for Services Accounting---$10,175
Pension Plan Contributions---$8,307
Information Technology---$5,893
All Other Expenses---$1,923
Total Functional Expenses$0$0$0$3,004,259
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
Member Shares$74,912,305
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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

Filer Name
Firefighters Credit Union
EIN
35-1007782
Phone
8004621431
Address
726 MASSACHUSETTS AVENUE, INDIANAPOLIS, IN 46204

Signing Officer

Name
Melody Self
Title
CEO/president
Phone
8004621431
Signed
2025-05-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Melody Self
Formed
1956
Legal Domicile
In
Voting Board Members
9
Independent Board Members
9
Employees
22
Volunteers
13

Preparer

Firm
Cardinal CPA Group LLC
Address
330 E MAIN ST, MUNCIE, IN 47305
Preparer
Jennifer L Dudley CPA
Phone
7652897951
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Atm processing 81,791 0 0 shared branch processing 114,440 0 0 debit card processing 246,982 0 0 on-line data processing 161,350 0 0 internet banking expense 121,197 0 0 debit card interchange 10,946 0 0 payroll processing 4,706 0 0 loan servicing 103,657 0 0 dfi expense 9,947 0 0 total 855,016 0 0”

Financial Statement Notes

Schedule D, Page 2, Part IV, Line 2B

“Firefighters credit union has 2 mortgage escrow accounts used for remitting real estate taxes and mortgage insurance for members.”

Raw XML Appendix372 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/ProgramServiceRevenueGrp/TotalRevenueColumnAmt116652
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IRS990/PYInvestmentIncomeAmt0892139
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IRS990/PYProgramServiceRevenueAmt01876373
IRS990/PYRevenuesLessExpensesAmt0388840
IRS990/PYSalariesCompEmpBnftPaidAmt01021005
IRS990/PYTotalExpensesAmt02930518
IRS990/PYTotalRevenueAmt03319358
IRS990/ReconcilationRevenueExpnssAmt0535262
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleD/BuildingsGrp/BookValueAmt01594868
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0310400
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt01905268
IRS990ScheduleD/EquipmentGrp/BookValueAmt079358
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0363798
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0443156
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd0true
IRS990ScheduleD/LandGrp/BookValueAmt0792750
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0792750
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt074912305
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FIREFIGHTERS CREDIT UNION HAS 2 MORTGAGE ESCROW ACCOUNTS USED FOR REMITTING REAL ESTATE TAXES AND MORTGAGE INSURANCE FOR MEMBERS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 2, PART IV, LINE 2B
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02466976
IRS990ScheduleD/TotalLiabilityAmt074912305
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt04024
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt016354
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0CEO/PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0165788
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IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DAVID HARMAN NATHAN HARMAN FATHER AND SON
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL 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/ExplanationTxt2MEMBERS ELECT BOARD MEMBERS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3REVIEWED BY TREASURER PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4BOARD OF DIRECTORS USES INDEPENDENT SALARY SURVEYS TO DETERMINE CEO SALARY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ON REQUEST AND FINANCIAL STATEMENTS POSTED ON WEBSITE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ATM PROCESSING 81,791 0 0 SHARED BRANCH PROCESSING 114,440 0 0 DEBIT CARD PROCESSING 246,982 0 0 ON-LINE DATA PROCESSING 161,350 0 0 INTERNET BANKING EXPENSE 121,197 0 0 DEBIT CARD INTERCHANGE 10,946 0 0 PAYROLL PROCESSING 4,706 0 0 LOAN SERVICING 103,657 0 0 DFI EXPENSE 9,947 0 0 TOTAL 855,016 0 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART IX, LINE 11G
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IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IN
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsEOYAmt085200613
IRS990/TotalAssetsGrp/BOYAmt081366116
IRS990/TotalAssetsGrp/EOYAmt085200613
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt022
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IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt03004259
IRS990/TotalGrossUBIAmt016652
IRS990/TotalLiabilitiesBOYAmt071700613
IRS990/TotalLiabilitiesEOYAmt074999848
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IRS990/TotalProgramServiceRevenueAmt02180150
IRS990/TotalReportableCompFromOrgAmt0251393
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IRS990/UnrelatedBusIncmOverLimitInd0true
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.FIRE-CU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MELODY SELF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO/PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08004621431
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FIREFIGHTERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FIRE
ReturnHeader/Filer/EIN0351007782
ReturnHeader/Filer/PhoneNum08004621431
ReturnHeader/Filer/USAddress/AddressLine1Txt0726 MASSACHUSETTS AVENUE
ReturnHeader/Filer/USAddress/CityNm0INDIANAPOLIS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IN
ReturnHeader/Filer/USAddress/ZIPCd046204
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0351831899
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CARDINAL CPA GROUP LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0330 E MAIN ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MUNCIE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd047305
ReturnHeader/PreparerPersonGrp/PhoneNum07652897951
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JENNIFER L DUDLEY CPA
ReturnHeader/ReturnTs02025-06-09T14:46:27-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$85,200,613
Liabilities
$74,999,848
Net assets
$10,200,765
Revenue
$3,539,521
Expenses
$3,004,259
Net income
$535,262
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