Civic Intelligence

Joliet Firefighters Credt Unio

990 • Fiscal year 2024 • EIN 36-6088968

Jan 01, 2024 to Dec 31, 2024 • Filed on Mar 03, 2025

Organization Profile
1000 Galway RdJoliet, IL 60431

(815) 744-1001

Siviq Scores

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

Liabilities / Assets

94th percentile

0.88x

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

2024 filings • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

88th percentile

20.64x

Higher debt load relative to revenue than 88% of similar nonprofits.

2024 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2024

Net Margin

89th percentile

25%

Higher net margin than 89% of similar nonprofits.

2024 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

86th percentile

$98,036

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 30.8% of source-year revenue.

2024 filings • 501(c)14 • $5M-$10M nonprofits • Source year 2024

Asset Growth

20th percentile

-3.4%

Faster asset growth than 20% of similar nonprofits.

2024 filings • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

58th percentile

15%

Faster revenue growth than 58% of similar nonprofits.

2024 filings • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$7,424,744

Down $259,061 (-3.4%) from 2023

Net Assets

Up

$863,950

Up $79,874 (+10%) from 2023

Liabilities

Down

$6,560,794

Down $338,935 (-4.9%) from 2023

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin89th percentile

Revenue

Up

$317,859

Up $40,707 (+15%) from 2023

Expenses

Up

$237,984

Up $3,830 (+1.6%) from 2023

Net Income

Up

$79,875

Up $36,877 (+86%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth20th percentile

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

$10M$5.0M$0Assets 2019: $6,689,389Liabilities 2019: $5,997,217Net Assets 2019: $692,1722019Assets 2020: $7,634,881Liabilities 2020: $6,928,748Net Assets 2020: $706,1332020Assets 2021: $8,610,790Liabilities 2021: $7,885,300Net Assets 2021: $725,4902021Assets 2022: $8,737,760Liabilities 2022: $7,996,682Net Assets 2022: $741,0782022Assets 2023: $7,683,805Liabilities 2023: $6,899,729Net Assets 2023: $784,0762023Assets 2024: $7,424,744Liabilities 2024: $6,560,794Net Assets 2024: $863,9502024Assets 2025: $7,932,124Liabilities 2025: $7,038,264Net Assets 2025: $893,8602025

Highlighted filing

2024

Assets$7,424,744
Liabilities$6,560,794
Net Assets$863,950
Open 2024 Filing

Operations Trend

Revenue Growth58th percentile

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

$400K$300K$200K$100K$0Revenue 2019: $225,203Expenses 2019: $193,495Net Income 2019: $31,7082019Revenue 2020: $219,376Expenses 2020: $205,415Net Income 2020: $13,9612020Revenue 2021: $195,288Expenses 2021: $175,931Net Income 2021: $19,3572021Revenue 2022: $220,312Expenses 2022: $204,724Net Income 2022: $15,5882022Revenue 2023: $277,152Expenses 2023: $234,154Net Income 2023: $42,9982023Revenue 2024: $317,859Expenses 2024: $237,984Net Income 2024: $79,8752024Revenue 2025: $330,479Expenses 2025: $300,570Net Income 2025: $29,9092025

Highlighted filing

2024

Revenue$317,859
Expenses$237,984
Net Income$79,875
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 3, 2025
Return Version
2024v5.0
Gross Receipts
$317,859
Mission and Program Overview

Mission

Encourage savings for members create source of credit at reasonable interest rates, provide opportunity for members to improve economic condition

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$5,318,003$5,103,825▼ $214,178
Savings and Temporary Cash Investments$1,565,131$1,571,271▲ $6,140
Rtn Earn Endowment Incm Other Fnds$784,076$863,950▲ $79,874
Cash and Non-Interest-Bearing Accounts$678,458$648,682▼ $29,776
Receivables From Officers Etc$38,164$21,503▼ $16,661
Prepaid Expenses and Deferred Charges-$6,554-
Land, Buildings, and Equipment, Net$4,917$3,912▼ $1,005
Total Assets$7,683,805$7,424,744▼ $259,061
Other Assets Total$79,132$68,997▼ $10,135
Liabilities
Other Liabilities$6,899,729$6,560,794▼ $338,935
Total Liabilities$6,899,729$6,560,794▼ $338,935
Net Assets / Fund Balance
Total Net Assets Fund Balance$784,076$863,950▲ $79,874
Total Liabilities and Net Assets / Fund Balance$7,683,805$7,424,744▼ $259,061

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$3,912$71,925-
Compensation and Service Providers
Top Officer Pay86th percentile

Employees

NameTitleFull / Part TimeBaseTotal
R SurinakBoardPT$98,036$98,036

Board Members and Trustees

NameTitle
Eric MattsonChairman
R FoxBoard
Christopher StBoard member
M BessettieBoard Member
R DoyleCredit Committ
R RandichSupervisor COM
W OHaraSupervisor COM
W TheobaldSupervisor COM
F OffermanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$251,031
Investment Income
$66,828
Other Revenue
$0
Change in Net Assets
$79,875
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$88,019
Salaries, Compensation, and Employee Benefits$81,786
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees-$81,786-$81,786
Benefits to Members$68,179--$68,179
Information Technology-$25,926-$25,926
Occupancy-$16,250-$16,250
Office Expenses-$12,029-$12,029
Fees for Services Accounting-$11,713-$11,713
Other Expenses$2,996$7,573-$7,573
Insurance-$5,369-$5,369
Conferences and Meetings$2,384$1,412-$3,796
Depreciation Depletion-$1,967-$1,967
Fees for Service Investment Mgmnt Fees-$200-$200
Advertising-$200-$200
Total Functional Expenses$73,559$164,425$0$237,984
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
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
R SurinakOfficerRent and UtilitiNo$16,250

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$38,164$21,503▼ $16,661
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members savings accounts$6,560,794
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
Yes
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
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Part VI Section B 11B

“The treasurer compares the financial statements to the 990`` The answers to the questions are verified by the treasurer The 990 is presented to the board before filing”

Part VI Section B. 12C

“The supervisory committee reviews any transactions between the baord members and reports them in the board minutes”

Part VI Section B 15B

“The board approves the compensation based on what other financial institutions are paying.”

Part VI Section C 19

“The financial statements are presented to the membership at the annual meeting and are posted in the office. They are listed by the NCU on line.”

Filing and Contact Details

Filer

Filer Name
Joliet Firefighters Credt Unio
EIN
36-6088968
Phone
8157441001
Address
1000 Galway Rd, Joliet, IL 60431

Signing Officer

Name
Frederick Offermann
Title
Treasurer
Phone
8157441001
Signed
2025-03-03
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Frederick Offermann
Legal Domicile
Il
Voting Board Members
10
Independent Board Members
10
Employees
0
Volunteers
10

Preparer

Firm
Mitchell Accounting LTD
Address
PO Box 1037, HOMEWOOD, IL 60430
Preparer
Martin J Mitchell
Phone
7089571183
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0Auto
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt039494
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0Ron Fox
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0Officer
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt021503
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0The treasurer compares the financial statements to the 990`` The answers to the questions are verified by the treasurer The 990 is presented to the board before filing
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The supervisory committee reviews any transactions between the baord members and reports them in the board minutes
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2The board approves the compensation based on what other financial institutions are paying.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The financial statements are presented to the membership at the annual meeting and are posted in the office. They are listed by the NCU on line.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Part VI Section B 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Part VI Section B. 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Part VI Section B 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Part VI Section C 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt07683805
IRS990/TotalAssetsEOYAmt07424744
IRS990/TotalAssetsGrp/BOYAmt07683805
IRS990/TotalAssetsGrp/EOYAmt07424744
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalEmployeeCnt00
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0164425
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt073559
IRS990/TotalFunctionalExpensesGrp/TotalAmt0237984
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt06899729
IRS990/TotalLiabilitiesEOYAmt06560794
IRS990/TotalLiabilitiesGrp/BOYAmt06899729
IRS990/TotalLiabilitiesGrp/EOYAmt06560794
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0784076
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0863950
IRS990/TotalProgramServiceExpensesAmt068786
IRS990/TotalProgramServiceRevenueAmt0251031
IRS990/TotalReportableCompFromOrgAmt098036
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0317859
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0317859
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt07683805
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt07424744
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/USAddress/AddressLine1Txt01000 Galway Rd
IRS990/USAddress/CityNm0JOLIET
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd060431
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Frederick Offermann
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum08157441001
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-03-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Joliet Firefighters Credt Unio
ReturnHeader/Filer/BusinessNameControlTxt0JOLI
ReturnHeader/Filer/EIN0366088968
ReturnHeader/Filer/PhoneNum08157441001
ReturnHeader/Filer/USAddress/AddressLine1Txt01000 Galway Rd
ReturnHeader/Filer/USAddress/CityNm0Joliet
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd060431
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0010583550
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Mitchell Accounting LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 1037
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HOMEWOOD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd060430
ReturnHeader/PreparerPersonGrp/PhoneNum07089571183
ReturnHeader/PreparerPersonGrp/PreparationDt02025-03-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Martin J Mitchell
ReturnHeader/ReturnTs02025-03-03T07:16:43-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

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Filings

Displayed year

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

Open filing
Assets
$7,424,744
Liabilities
$6,560,794
Net assets
$863,950
Revenue
$317,859
Expenses
$237,984
Net income
$79,875
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$7.93$7.04$0.89$0.33$0.30$0.03
2024Detailed filing. Detailed filing data is available for this year.$7.42$6.56$0.86$0.32$0.24$0.08
2023Detailed filing. Detailed filing data is available for this year.$7.68$6.90$0.78$0.28$0.23$0.04
2022Detailed filing. Detailed filing data is available for this year.$8.74$8.00$0.74$0.22$0.20$0.02
2021Detailed filing. Detailed filing data is available for this year.$8.61$7.89$0.73$0.20$0.18$0.02
2020Detailed filing. Detailed filing data is available for this year.$7.63$6.93$0.71$0.22$0.21$0.01
2019Detailed filing. Detailed filing data is available for this year.$6.69$6.00$0.69$0.23$0.19$0.03