Civic Intelligence

Fire Department Credit Union

990 • Fiscal year 2016 • EIN 39-0779422

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 30, 2017

Organization Profile
3326 Tower AvenueSuperior, WI 54880

(715) 394-3808

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.83x

Higher debt load relative to assets than 53% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Liabilities / Revenue

79th percentile

25.61x

Higher debt load relative to revenue than 79% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Net Margin

5th percentile

-66%

Higher net margin than 5% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Top Officer Pay

41st percentile

$20,136

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 53.1% of source-year revenue.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2016

Asset Growth

27th percentile

-4.5%

Faster asset growth than 27% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Revenue Growth

9th percentile

-13%

Faster revenue growth than 9% of similar nonprofits.

2016 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Down

$1,167,013

Down $54,530 (-4.5%) from 2015

Net Assets

Down

$195,927

Down $24,890 (-11%) from 2015

Liabilities

Down

$971,086

Down $29,640 (-3.0%) from 2015

Revenue And Expenses
Liabilities / Revenue79th percentileNet Margin5th percentile

Revenue

Down

$37,921

Down $5,480 (-13%) from 2015

Expenses

Down

$62,811

Down $575 (-0.9%) from 2015

Net Income

Down

-$24,890

Down $4,905 (-25%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth27th percentile

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

$1.5M$1.0M$500K$0Assets 2010: $1,460,135Liabilities 2010: $1,174,816Net Assets 2010: $285,3192010Assets 2011: $1,451,716Liabilities 2011: $1,166,396Net Assets 2011: $285,3202011Assets 2012: $1,461,270Liabilities 2012: $1,175,949Net Assets 2012: $285,3212012Assets 2013: $1,335,980Liabilities 2013: $1,081,794Net Assets 2013: $254,1862013Assets 2014: $1,315,767Liabilities 2014: $1,074,965Net Assets 2014: $240,8022014Assets 2015: $1,221,543Liabilities 2015: $1,000,726Net Assets 2015: $220,8172015Assets 2016: $1,167,013Liabilities 2016: $971,086Net Assets 2016: $195,9272016Assets 2017: $0Liabilities 2017: $0Net Assets 2017: $02017

Highlighted filing

2016

Assets$1,167,013
Liabilities$971,086
Net Assets$195,927
Open 2016 Filing

Operations Trend

Revenue Growth9th percentile

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

$150K$100K$50K$0-$50K-$100KExpenses 2010: $75,6602010Revenue 2011: $72,737Expenses 2011: $72,736Net Income 2011: $12011Revenue 2012: $66,899Expenses 2012: $66,898Net Income 2012: $12012Revenue 2013: $57,379Expenses 2013: $88,514Net Income 2013: -$31,1352013Revenue 2014: $53,558Expenses 2014: $66,001Net Income 2014: -$12,4432014Revenue 2015: $43,401Expenses 2015: $63,386Net Income 2015: -$19,9852015Revenue 2016: $37,921Expenses 2016: $62,811Net Income 2016: -$24,8902016Revenue 2017: $12,988Expenses 2017: $100,514Net Income 2017: -$87,5262017

Highlighted filing

2016

Revenue$37,921
Expenses$62,811
Net Income-$24,890
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 30, 2017
Return Version
2016v3.0
Gross Receipts
$37,921
Mission and Program Overview

Mission

None

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$672,628$584,500▼ $88,128
Savings and Temporary Cash Investments$314,727$316,092▲ $1,365
Cash and Non-Interest-Bearing Accounts$198,955$233,430▲ $34,475
Rtn Earn Endowment Incm Other Fnds$220,817$195,927▼ $24,890
Investments Program Related$22,195$21,452▼ $743
Land, Buildings, and Equipment, Net$6,469$4,847▼ $1,622
Prepaid Expenses and Deferred Charges$4,003$4,319▲ $316
Total Assets$1,221,543$1,167,013▼ $54,530
Other Assets Total$2,566$2,373▼ $193
Liabilities
Other Liabilities$1,000,122$971,012▼ $29,110
Accounts Payable and Accrued Expenses$604$74▼ $530
Total Liabilities$1,000,726$971,086▼ $29,640
Net Assets / Fund Balance
Total Net Assets Fund Balance$220,817$195,927▼ $24,890
Total Liabilities and Net Assets / Fund Balance$1,221,543$1,167,013▼ $54,530

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$4,847$13,520$18,367
Investment Program Related Org$10,951--
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Rita LarsonPresidentPT$20,136$20,136
Donald R PiperCompliance OfficerPT$14,400$14,400

Board Members and Trustees

NameTitle
Steven EdwardsAudit Committee Chair
Arthur Gil de LamadridChairman
Erik SuttonSecretary
David JohnsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$36,746
Investment Income
$1,175
Other Revenue
$0
Change in Net Assets
$-24,890
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$37,674
Other Expenses$25,137
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---$34,536
Office Expenses---$5,331
Payroll Taxes---$3,138
Insurance---$3,061
Depreciation Depletion---$2,148
Fees for Services Accounting---$1,980
Payments to Affiliates---$1,790
Information Technology---$1,348
Other Expenses-$1,215-$1,215
Conferences and Meetings---$152
Advertising---$60
Total Functional Expenses$0$0$0$62,811
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$971,012
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The organization consists of members. To be a member, one must have a share/savings account. Each member has one vote to elect the governing body (Board of Directors).”

Member election for additional members Part VI line 7A

“The Board of Directors is elected by the membership utilizing their one vote per member”

Governing body decisions Part VI line 7B

“Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).”

Form 990 governing body review Part VI line 11

“Management reviews the prepared 990 before it is filed.”

Governing documents etc available to public Part VI line 19

“Such documents are available at our offices upon request.”

Filing and Contact Details

Filer

Filer Name
Fire Department Credit Union
EIN
39-0779422
Address
3326 Tower Avenue, Superior, WI 54880

Signing Officer

Name
Rita Larson
Title
President India
Phone
7156358273
Signed
2017-10-30
Discuss with paid preparer
No

Organization Details

Principal Officer
Rita Larson
Formed
1932
Legal Domicile
Wi
Voting Board Members
5
Independent Board Members
4
Employees
2
Volunteers
5

Preparer

Firm
WCUL Services Corp
Address
N25W2313 Paul Rd Suite 500, Pewaukee, WI 53072
Preparer
Cari Thompson
Phone
2625490200
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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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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Board of Directors is elected by the membership utilizing their one vote per member
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Each member has one vote to utilize in ratifying significant decisions beyond the authority of the Board as outlined in the organizations bylaws. Any decision to dissolve or merge the organization requires approval of membership, unless mandated by regulatory agency (i.e., NCUA, Wisconsin Office of Credit Unions).
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Management reviews the prepared 990 before it is filed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Such documents are available at our offices upon request.
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing body decisions Part VI line 7b
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ReturnHeader/BusinessOfficerGrp/PersonNm0Rita Larson
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President India
ReturnHeader/BusinessOfficerGrp/PhoneNum07156358273
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-10-30
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Fire Department Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0FIRE
ReturnHeader/Filer/EIN0390779422
ReturnHeader/Filer/USAddress/AddressLine1Txt03326 Tower Avenue
ReturnHeader/Filer/USAddress/CityNm0Superior
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WI
ReturnHeader/Filer/USAddress/ZIPCd054880
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0110D63440C42215569A41D88634943DBED7962F4
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionId03922392017307cvpu0cm
ReturnHeader/FilingSecurityInformation/FederalOriginalSubmissionIdDt02017-11-03
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt074.219.136.146
ReturnHeader/FilingSecurityInformation/IPDt02017-11-03
ReturnHeader/FilingSecurityInformation/IPTm019:27:34
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0391127312
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WCUL Services Corp
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0N25W2313 Paul Rd Suite 500
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Pewaukee
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0WI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd053072
ReturnHeader/PreparerPersonGrp/PhoneNum02625490200
ReturnHeader/PreparerPersonGrp/PreparationDt02017-11-03
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Cari Thompson
ReturnHeader/ReturnTs02017-11-03T20:19:29-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,167,013
Liabilities
$971,086
Net assets
$195,927
Revenue
$37,921
Expenses
$62,811
Net income
-$24,890
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.00$0.00$0.00$0.01$0.10$0.09
2016Detailed filing. Detailed filing data is available for this year.$1.17$0.97$0.20$0.04$0.06$0.02
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.22$1.00$0.22$0.04$0.06$0.02
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.32$1.07$0.24$0.05$0.07$0.01
2013Detailed filing. Detailed filing data is available for this year.$1.34$1.08$0.25$0.06$0.09$0.03
2012Summary only. Only limited summary data is available for this year.$1.46$1.18$0.29$0.07$0.07$0.00
2011Summary only. Only limited summary data is available for this year.$1.45$1.17$0.29$0.07$0.07$0.00
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.46$1.17$0.29$0.08