Civic Intelligence

Firefighters Credit Union

990 • Fiscal year 2013 • EIN 39-6050488

Jan 01, 2013 to Dec 31, 2013 • Filed on Mar 24, 2014

525 5th Avenue SOnalaska, WI 54601

(608) 784-9480

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.86x

Higher debt load relative to assets than 23% of similar nonprofits.

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

Liabilities / Revenue

27th percentile

15.52x

Higher debt load relative to revenue than 27% of similar nonprofits.

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

Net Margin

72nd percentile

14%

Higher net margin than 72% of similar nonprofits.

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

Top Officer Pay

85th percentile

$183,619

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 5.2% of source-year revenue.

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

Asset Growth

3rd percentile

-6.8%

Faster asset growth than 3% 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

Assets

Down

$62,964,779

Down $4,568,795 (-6.8%) from 2012

Net Assets

Up

$8,629,274

Up $481,931 (+5.9%) from 2012

Liabilities

Down

$54,335,505

Down $5,050,726 (-8.5%) from 2012

Revenue

$3,500,205

No earlier filing loaded for comparison.

Expenses

Down

$3,018,274

Down $175,337 (-5.5%) from 2012

Net Income

$481,931

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

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

$150M$100M$50M$0Assets 2010: $57,119,716Liabilities 2010: $50,469,730Net Assets 2010: $6,649,9862010Assets 2011: $61,594,563Liabilities 2011: $54,299,015Net Assets 2011: $7,295,5482011Assets 2012: $67,533,574Liabilities 2012: $59,386,231Net Assets 2012: $8,147,3432012Assets 2013: $62,964,779Liabilities 2013: $54,335,505Net Assets 2013: $8,629,2742013Assets 2014: $65,971,972Liabilities 2014: $56,708,382Net Assets 2014: $9,263,5902014Assets 2015: $74,546,867Liabilities 2015: $64,528,214Net Assets 2015: $10,018,6532015Assets 2016: $78,284,220Liabilities 2016: $67,530,632Net Assets 2016: $10,753,5882016Assets 2017: $81,355,425Liabilities 2017: $69,879,282Net Assets 2017: $11,476,1432017Assets 2018: $84,214,510Liabilities 2018: $71,702,875Net Assets 2018: $12,511,6352018Assets 2019: $89,555,690Liabilities 2019: $75,954,019Net Assets 2019: $13,601,6712019Assets 2020: $97,688,468Liabilities 2020: $82,718,930Net Assets 2020: $14,969,5382020Assets 2021: $103,655,154Liabilities 2021: $87,378,501Net Assets 2021: $16,276,6532021Assets 2022: $113,613,482Liabilities 2022: $96,507,926Net Assets 2022: $17,105,5562022Assets 2023: $120,046,465Liabilities 2023: $102,233,632Net Assets 2023: $17,812,8332023Assets 2024: $122,476,504Liabilities 2024: $103,572,353Net Assets 2024: $18,904,1512024

Highlighted filing

2013

Assets$62,964,779
Liabilities$54,335,505
Net Assets$8,629,274

Operations Trend

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,074,1432010Expenses 2011: $3,114,8052011Expenses 2012: $3,193,6112012Revenue 2013: $3,500,205Expenses 2013: $3,018,274Net Income 2013: $481,9312013Revenue 2014: $3,323,644Expenses 2014: $2,689,328Net Income 2014: $634,3162014Revenue 2015: $3,738,170Expenses 2015: $2,983,107Net Income 2015: $755,0632015Revenue 2016: $3,994,144Expenses 2016: $3,259,209Net Income 2016: $734,9352016Revenue 2017: $4,084,788Expenses 2017: $3,362,233Net Income 2017: $722,5552017Revenue 2018: $4,562,301Expenses 2018: $3,526,809Net Income 2018: $1,035,4922018Revenue 2019: $5,022,151Expenses 2019: $3,932,115Net Income 2019: $1,090,0362019Revenue 2020: $5,413,674Expenses 2020: $4,045,807Net Income 2020: $1,367,8672020Revenue 2021: $5,177,427Expenses 2021: $3,870,312Net Income 2021: $1,307,1152021Revenue 2022: $4,695,385Expenses 2022: $3,866,482Net Income 2022: $828,9032022Revenue 2023: $5,850,393Expenses 2023: $5,143,116Net Income 2023: $707,2772023Revenue 2024: $7,366,324Expenses 2024: $6,275,006Net Income 2024: $1,091,3182024

Highlighted filing

2013

Revenue$3,500,205
Expenses$3,018,274
Net Income$481,931
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Mar 24, 2014
Return Version
2013v3.0
Gross Receipts
$3,500,205
Mission and Program Overview

Mission

Firefighters Credit Union is a cooperative, nonprofit corporation, incorporated under Wisconsin State Law to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$57,673,439$58,674,557▲ $1,001,118
Rtn Earn Endowment Incm Other Fnds$8,147,343$8,629,274▲ $481,931
Investments Program Related$461,959$1,506,502▲ $1,044,543
Land, Buildings, and Equipment, Net$1,034,432$968,586▼ $65,846
Cash and Non-Interest-Bearing Accounts$400,247$531,518▲ $131,271
Savings and Temporary Cash Investments$6,932,637$109,576▼ $6,823,061
Prepaid Expenses and Deferred Charges$30,233$16,642▼ $13,591
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Receivables From Officers Etc$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$67,533,574$62,964,779▼ $4,568,795
Other Assets Total$1,000,627$1,157,398▲ $156,771
Liabilities
Other Liabilities$58,530,445$53,453,581▼ $5,076,864
Accounts Payable and Accrued Expenses$855,786$881,924▲ $26,138
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$59,386,231$54,335,505▼ $5,050,726
Net Assets / Fund Balance
Total Net Assets Fund Balance$8,147,343$8,629,274▲ $481,931
Total Liabilities and Net Assets / Fund Balance$67,533,574$62,964,779▼ $4,568,795

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$521,964$400,657$922,621
Equipment$82,643$351,157$433,800
Leasehold Improvements$150,079$166,028$316,107
Land$213,900-$213,900
Other Land Buildings$0$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Troy ArenzMortgage Loan OfficerFT$176,136$176,136$176,136
Bruce E ZmolekPresidentFT$133,895$24,435$158,330
Amy S FruitChief Financial OfficerFT$70,552$3,209$73,761
Connie GarbersDirector of Compliance & OperationsFT$67,367$3,572$70,939

Board Members and Trustees

NameTitle
Michael GazeleyChairman
Todd KochVice Chairman
Aaron FonderBoard Member
James EhrsamBoard Member
James WifflerBoard Member
Anastasia GentrySecretary
Gerald SeubertTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,478,150
Investment Income
$22,055
Other Revenue
$0
Change in Net Assets
$481,931
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,629,321
Salaries, Compensation, and Employee Benefits$1,388,953
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$679,447
Current Officers, Directors, Trustees, and Key Employees---$447,950
Advertising---$141,784
Occupancy---$139,136
Other Employee Benefits---$127,614
All Other Expenses---$126,279
Depreciation Depletion---$117,327
Office Expenses---$113,542
Payroll Taxes---$86,462
Information Technology---$75,113
Pension Plan Contributions---$47,480
Other Expenses---$44,057
Payments to Affiliates---$27,652
Conferences and Meetings---$23,940
Fees for Services Accounting---$22,822
Travel---$11,611
Fees for Services Legal---$5,047
Insurance---$3,219
Interest---$271
Total Functional Expenses$0$0$0$3,018,274
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Receivables from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Total Shares, Drafts, IRAs and Cds$53,453,581
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
Yes
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

Form 990, Part VI, Section A, Line 6

The credit union has members.

Form 990, Part VI, Section A, Line 7A

The members elect the Board of Directors to the Credit Union.

Form 990, Part VI, Section A, Line 7B

If the Board of Directors were to vote for a name change or a merger, those types of decisions would be subject to the approval of the membership.

Form 990, Part VI, Section B, Line 11B

The 990 report is not provided to the Board of Directors before it is filed. The president and other staff review the report before it is submitted. The Board is informed that it was submitted and that they can review it at any time.

Form 990, Part VI, Section B, Line 15

The Board of Directors have a contract with the President of the Credit Union which outlines his compensation. The Board of Directors reviews salary surveys for credit union positions and they collectively agree on the President's compensation.

Form 990, Part VI, Section C, Line 19

The credit union's financial statements are provided as a part of the annual meeting brochure. The financial statements are also available quarterly as a part of the 5300 report that is filled out for NCUA and can be found on www.NCUA.gov. A conflict of interest policy is reviewed by all credit union staff and a signed acknowledgement is kept in the employee file.

Filing and Contact Details

Filer

EIN
39-6050488
Phone
6087849480

Signing Officer

Name
Bruce Zmolek
Title
President
Phone
6087849480
Signed
2014-03-24

Organization Details

Principal Officer
Bruce Zmolek
Formed
1931
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
26
Volunteers
0
Raw XML AppendixShowing 400 of 540 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0855786
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0881924
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0Firefighters Credit Union is a cooperative, nonprofit corporation, incorporated under Wisconsin State Law to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.
IRS990/AdvertisingGrp/TotalAmt0141784
IRS990/AllOtherExpensesGrp/TotalAmt0126279
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Amy S Fruit
IRS990/BooksInCareOfDetail/PhoneNum06087849480
IRS990/BooksInCareOfDetail/USAddress/AddressLine10525 5th Ave S
IRS990/BooksInCareOfDetail/USAddress/City0La Crosse
IRS990/BooksInCareOfDetail/USAddress/State0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCode054601
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0400247
IRS990/CashNonInterestBearingGrp/EOYAmt0531518
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0447950
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt023940
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContriRptFundraisingEventAmt00
IRS990/CostOfGoodsSoldAmt00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt022055
IRS990/CYOtherExpensesAmt01629321
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt03478150
IRS990/CYRevenuesLessExpensesAmt0481931
IRS990/CYSalariesCompEmpBnftPaidAmt01388953
IRS990/CYTotalExpensesAmt03018274
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03500205
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0117327
IRS990/Desc0Competitive dividend rates are given on share, share draft and certificate accounts. (9,804 Accounts)
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt026
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt0503602
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt022822
IRS990/FeesForServicesLegalGrp/TotalAmt05047
IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt00
IRS990/FeesForServicesProfFundraising/TotalAmt00
IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignGrantsGrp/TotalAmt00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt10
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt20
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt30
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt40
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt60
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt70
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt80
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt90
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt100
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt836
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt724435
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt83209
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt93572
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt107483
IRS990/Form990PartVIISectionAGrp/PersonNm0Michael Gazeley
IRS990/Form990PartVIISectionAGrp/PersonNm1Todd Koch
IRS990/Form990PartVIISectionAGrp/PersonNm2Gerald Seubert
IRS990/Form990PartVIISectionAGrp/PersonNm3Anastasia Gentry
IRS990/Form990PartVIISectionAGrp/PersonNm4James Wiffler
IRS990/Form990PartVIISectionAGrp/PersonNm5James Ehrsam
IRS990/Form990PartVIISectionAGrp/PersonNm6Aaron Fonder
IRS990/Form990PartVIISectionAGrp/PersonNm7Bruce E Zmolek
IRS990/Form990PartVIISectionAGrp/PersonNm8Amy S Fruit
IRS990/Form990PartVIISectionAGrp/PersonNm9Connie Garbers
IRS990/Form990PartVIISectionAGrp/PersonNm10Troy Arenz
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7133895
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt870552
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt967367
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10176136
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice Chairman
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7President
IRS990/Form990PartVIISectionAGrp/TitleTxt8Chief Financial Officer
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director of Compliance & Operations
IRS990/Form990PartVIISectionAGrp/TitleTxt10Mortgage Loan Officer
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01931
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/FundraisingDirectExpensesAmt00
IRS990/FundraisingGrossIncomeAmt00
IRS990/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GamingDirectExpensesAmt00
IRS990/GamingGrossIncomeAmt00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossAmountSalesAssetsGrp/OtherAmt00
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt00
IRS990/GrossReceiptsAmt03500205
IRS990/GrossRentsGrp/PersonalAmt00
IRS990/GrossRentsGrp/RealAmt00
IRS990/GrossSalesOfInventoryAmt00
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IncmFromInvestBondProceedsGrp/ExclusionAmt00
IRS990/IncmFromInvestBondProceedsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IncmFromInvestBondProceedsGrp/UnrelatedBusinessRevenueAmt00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt075113
IRS990/InsuranceGrp/TotalAmt03219
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0271
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt022055
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt022055
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt0461959
IRS990/InvestmentsProgramRelatedGrp/EOYAmt01506502
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01888
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0917842
IRS990/LandBldgEquipBasisNetGrp/BOYAmt01034432
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0968586
IRS990/LandBldgEquipCostOrOtherBssAmt01886428
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt00
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt00
IRS990/LessRentalExpensesGrp/PersonalAmt00
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LoansFromOfficersDirectorsGrp/BOYAmt00
IRS990/LoansFromOfficersDirectorsGrp/EOYAmt00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Firefighters Credit Union is a cooperative, nonprofit corporation, incorporated under Wisconsin State Law to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt00
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt00
IRS990/NetAssetsOrFundBalancesBOYAmt08147343
IRS990/NetAssetsOrFundBalancesEOYAmt08629274
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt00
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetGainOrLossInvestmentsGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeFromGamingGrp/ExclusionAmt00
IRS990/NetIncomeFromGamingGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetIncomeOrLossGrp/ExclusionAmt00
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt00
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/UnrelatedBusinessRevenueAmt00
IRS990/NetUnrelatedBusTxblIncmAmt0-47456
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0139136
IRS990/OfficeExpensesGrp/TotalAmt0113542
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01000627
IRS990/OtherAssetsTotalGrp/EOYAmt01157398
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0127614
IRS990/OtherExpensesGrp/Desc0Dividend Expense on Share Accounts
IRS990/OtherExpensesGrp/Desc1ATM/Debit Card Processing
IRS990/OtherExpensesGrp/Desc2Loan Losses
IRS990/OtherExpensesGrp/Desc3NCUA Stabilization Expense
IRS990/OtherExpensesGrp/TotalAmt0503602
IRS990/OtherExpensesGrp/TotalAmt1138919
IRS990/OtherExpensesGrp/TotalAmt2135000
IRS990/OtherExpensesGrp/TotalAmt344057
IRS990/OtherLiabilitiesGrp/BOYAmt058530445
IRS990/OtherLiabilitiesGrp/EOYAmt053453581
IRS990/OtherOrganizationDsc0Non Profit Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0679447
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt057673439
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt058674557
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt027652
IRS990/PayrollTaxesGrp/TotalAmt086462
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt047480
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt030233
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt016642
IRS990/PrincipalOfficerNm0Bruce Zmolek
IRS990/PriorPeriodAdjustmentsAmt00
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522130
IRS990/ProgramServiceRevenueGrp/BusinessCd1522130
IRS990/ProgramServiceRevenueGrp/BusinessCd2522130
IRS990/ProgramServiceRevenueGrp/BusinessCd3522130
IRS990/ProgramServiceRevenueGrp/BusinessCd4524298
IRS990/ProgramServiceRevenueGrp/Desc0Interest on Loans
IRS990/ProgramServiceRevenueGrp/Desc1Loan Origination Fees
IRS990/ProgramServiceRevenueGrp/Desc2Overdraft and Account Fees
IRS990/ProgramServiceRevenueGrp/Desc3Miscellaneous Fees
IRS990/ProgramServiceRevenueGrp/Desc4Sale of Insurance
IRS990/ProgramServiceRevenueGrp/ExclusionAmt00
IRS990/ProgramServiceRevenueGrp/ExclusionAmt10
IRS990/ProgramServiceRevenueGrp/ExclusionAmt20
IRS990/ProgramServiceRevenueGrp/ExclusionAmt30
IRS990/ProgramServiceRevenueGrp/ExclusionAmt40
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt02710167
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1442598
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt299450
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3183406
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt40
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02710167
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1442598
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt299450
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3183406
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt414691
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt414691
IRS990/ProgSrvcAccomActy2Grp/Desc0Provided low-cost financial services to 4,482 members.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt02347692
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0310694
IRS990/ProgSrvcAccomActy3Grp/Desc0Granted 1,292 new loans to members totalling $52,292,185.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0166980
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt03152765
IRS990/ProgSrvcAccomActyOtherGrp/Desc0Invested excess deposits only in investments which are legal for credit unions under Wisconsin state law.
IRS990/ProgSrvcAccomActyOtherGrp/ExpenseAmt00
IRS990/ProgSrvcAccomActyOtherGrp/GrantAmt00
IRS990/ProgSrvcAccomActyOtherGrp/RevenueAmt022055
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt09020
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01784570
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt04036386
IRS990/PYRevenuesLessExpensesAmt0851795
IRS990/PYSalariesCompEmpBnftPaidAmt01409041
IRS990/PYTotalExpensesAmt03193611
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04045406
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0481931
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt08147343
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08629274
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06932637
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0109576
IRS990/ScheduleBRequiredInd00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$122$104$18.9$7.37$6.28$1.09
2023Detailed filing. Detailed filing data is available for this year.$120$102$17.8$5.85$5.14$0.71
2022Detailed filing. Detailed filing data is available for this year.$114$96.5$17.1$4.70$3.87$0.83
2021Detailed filing. Detailed filing data is available for this year.$104$87.4$16.3$5.18$3.87$1.31
2020Detailed filing. Detailed filing data is available for this year.$97.7$82.7$15.0$5.41$4.05$1.37
2019Detailed filing. Detailed filing data is available for this year.$89.6$76.0$13.6$5.02$3.93$1.09
2018Detailed filing. Detailed filing data is available for this year.$84.2$71.7$12.5$4.56$3.53$1.04
2017Detailed filing. Detailed filing data is available for this year.$81.4$69.9$11.5$4.08$3.36$0.72
2016Detailed filing. Detailed filing data is available for this year.$78.3$67.5$10.8$3.99$3.26$0.73
2015Detailed filing. Detailed filing data is available for this year.$74.5$64.5$10.0$3.74$2.98$0.76
2014Detailed filing. Detailed filing data is available for this year.$66.0$56.7$9.26$3.32$2.69$0.63
2013Detailed filing. Detailed filing data is available for this year.$63.0$54.3$8.63$3.50$3.02$0.48
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$67.5$59.4$8.15$3.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$61.6$54.3$7.30$3.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$57.1$50.5$6.65$3.07