Civic Intelligence

Firefighters Credit Union

990 • Fiscal year 2016 • EIN 39-6050488

Jan 01, 2016 to Dec 31, 2016 • Filed on Mar 28, 2017

Organization Profilewww.myfirecu.org

View Organization Page

2707 Midwest DrOnalaska, WI 54650

(608) 784-9480

Siviq Scores

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

Liabilities / Assets

28th percentile

0.86x

Higher debt load relative to assets than 28% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Liabilities / Revenue

35th percentile

16.91x

Higher debt load relative to revenue than 35% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Net Margin

83rd percentile

18%

Higher net margin than 83% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Top Officer Pay

92nd percentile

$236,138

Higher top officer pay than 92% of similar nonprofits.

Top officer pay equals 5.9% of source-year revenue.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2016

Asset Growth

65th percentile

5.0%

Faster asset growth than 65% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Revenue Growth

67th percentile

6.8%

Faster revenue growth than 67% of similar nonprofits.

2016 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets28th percentile

Assets

Up

$78,284,220

Up $3,737,353 (+5.0%) from 2015

Net Assets

Up

$10,753,588

Up $734,935 (+7.3%) from 2015

Liabilities

Up

$67,530,632

Up $3,002,418 (+4.7%) from 2015

Revenue And Expenses
Liabilities / Revenue35th percentileNet Margin83rd percentile

Revenue

Up

$3,994,144

Up $255,974 (+6.8%) from 2015

Expenses

Up

$3,259,209

Up $276,102 (+9.3%) from 2015

Net Income

Down

$734,935

Down $20,128 (-2.7%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth65th percentile

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

2016

Assets$78,284,220
Liabilities$67,530,632
Net Assets$10,753,588
Open 2016 Filing

Operations Trend

Revenue Growth67th percentile

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

2016

Revenue$3,994,144
Expenses$3,259,209
Net Income$734,935
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Mar 28, 2017
Return Version
2016v3.0
Gross Receipts
$3,994,144
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$61,186,594$65,959,560▲ $4,772,966
Rtn Earn Endowment Incm Other Fnds$10,018,653$10,753,588▲ $734,935
Investments Program Related$2,506,502$4,559,103▲ $2,052,601
Land, Buildings, and Equipment, Net$3,585,553$3,528,765▼ $56,788
Savings and Temporary Cash Investments$5,514,610$2,633,468▼ $2,881,142
Cash and Non-Interest-Bearing Accounts$675,882$610,873▼ $65,009
Prepaid Expenses and Deferred Charges$35,174$23,401▼ $11,773
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$74,546,867$78,284,220▲ $3,737,353
Other Assets Total$1,042,552$969,050▼ $73,502
Liabilities
Other Liabilities$63,200,370$67,074,373▲ $3,874,003
Accounts Payable and Accrued Expenses$1,327,844$456,259▼ $871,585
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$64,528,214$67,530,632▲ $3,002,418
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,018,653$10,753,588▲ $734,935
Total Liabilities and Net Assets / Fund Balance$74,546,867$78,284,220▲ $3,737,353

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$2,021,334$529,123$2,550,457
Land$1,135,847-$1,135,847
Equipment$173,273$417,298$590,571
Leasehold Improvements$198,311$278,809$477,120
Investment Program Related Org$246,037--
Other Land Buildings$0$0$0
Compensation and Service Providers
Top Officer Pay92nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Troy ArenzMortgage Loan OfficerFT$222,101$236,138$236,138
Bruce E ZmolekPresidentFT$143,319$19,879$163,198
Connie GarbersDirector of Compliance & OperationsFT$73,760$3,955$77,715
Amy S FruitChief Financial OfficerFT$73,316$3,487$76,803

Board Members and Trustees

NameTitle
Michael GazeleyChairman
Todd KochVice Chairman
Gerald SeubertBoard Member
James WifflerBoard Member
Thomas HeilmanBoard Member
Anastasia GentrySecretary
Doyle PleggenkuhleTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,914,312
Investment Income
$79,832
Other Revenue
$0
Change in Net Assets
$734,935
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,768,120
Other Expenses$1,491,089
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$933,719
Current Officers, Directors, Trustees, and Key Employees---$512,496
Depreciation Depletion---$181,674
Advertising---$170,592
Other Employee Benefits---$167,719
Occupancy---$150,738
Office Expenses---$137,319
Payroll Taxes---$106,972
Information Technology---$82,086
All Other Expenses---$79,373
Pension Plan Contributions---$47,214
Payments to Affiliates---$30,463
Fees for Services Accounting---$27,500
Conferences and Meetings---$15,524
Travel---$11,983
Fees for Services Legal---$7,577
Other Expenses---$5,000
Interest---$69
Total Functional Expenses$0$0$0$3,259,209
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
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$67,074,373
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 of Directors 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 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 statement is reviewed by all credit union staff and a signed acknowledgement is kept in the employee file.”

Filing and Contact Details

Filer

Filer Name
Firefighters Credit Union
EIN
39-6050488
Phone
6087849480
Address
2707 Midwest Dr, Onalaska, WI 54650

Signing Officer

Name
Bruce Zmolek
Title
President
Phone
6087849480
Signed
2017-03-28

Organization Details

Principal Officer
Bruce Zmolek
Formed
1931
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
7
Employees
40
Volunteers
0
Supplemental Narrative

Additional Explanations

Form 990, Part III, Line 4D

“Other program services is Investment Income.”

Raw XML AppendixShowing 400 of 534 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/BOYAmt01327844
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0456259
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/TotalAmt0170592
IRS990/AllOtherExpensesGrp/TotalAmt079373
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0Amy S Fruit
IRS990/BooksInCareOfDetail/PhoneNum06087849480
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0Firefighters Credit Union
IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt02707 Midwest Dr
IRS990/BooksInCareOfDetail/USAddress/CityNm0Onalaska
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd054650
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOfficerEntInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt0675882
IRS990/CashNonInterestBearingGrp/EOYAmt0610873
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0512496
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd00
IRS990/ConferencesMeetingsGrp/TotalAmt015524
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt079832
IRS990/CYOtherExpensesAmt01491089
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt03914312
IRS990/CYRevenuesLessExpensesAmt0734935
IRS990/CYSalariesCompEmpBnftPaidAmt01768120
IRS990/CYTotalExpensesAmt03259209
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt03994144
IRS990/DecisionsSubjectToApprovaInd01
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt00
IRS990/DeferredRevenueGrp/EOYAmt00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0181674
IRS990/Desc0Competitive dividend rates are given on share, share draft and certificate accounts. (10,696 Accounts)
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonatedServicesAndUseFcltsAmt00
IRS990/DonorAdvisedFundInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt040
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt00
IRS990/EscrowAccountLiabilityGrp/EOYAmt00
IRS990/ExpenseAmt0422827
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt027500
IRS990/FeesForServicesLegalGrp/TotalAmt07577
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/AverageHoursPerWeekRt00.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt10.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt20.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt30.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt50.50
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt740
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt835
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/OtherCompensationAmt719879
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt83487
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt93955
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt1014037
IRS990/Form990PartVIISectionAGrp/PersonNm0Michael Gazeley
IRS990/Form990PartVIISectionAGrp/PersonNm1Todd Koch
IRS990/Form990PartVIISectionAGrp/PersonNm2Doyle Pleggenkuhle
IRS990/Form990PartVIISectionAGrp/PersonNm3Anastasia Gentry
IRS990/Form990PartVIISectionAGrp/PersonNm4James Wiffler
IRS990/Form990PartVIISectionAGrp/PersonNm5Thomas Heilman
IRS990/Form990PartVIISectionAGrp/PersonNm6Gerald Seubert
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/ReportableCompFromOrgAmt7143319
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt873316
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt973760
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10222101
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/GainOrLossGrp/OtherAmt00
IRS990/GainOrLossGrp/SecuritiesAmt00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantAmt00
IRS990/GrantsPayableGrp/BOYAmt00
IRS990/GrantsPayableGrp/EOYAmt00
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt03994144
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/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt082086
IRS990/InsuranceGrp/TotalAmt00
IRS990/IntangibleAssetsGrp/BOYAmt00
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt069
IRS990/InventoriesForSaleOrUseGrp/BOYAmt00
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentExpenseAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt00
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt079832
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt079832
IRS990/InvestmentIncomeGrp/UnrelatedBusinessRevenueAmt00
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/BOYAmt02506502
IRS990/InvestmentsProgramRelatedGrp/EOYAmt04559103
IRS990/InvestmentsPubTradedSecGrp/BOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/IRPDocumentCnt01879
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01225230
IRS990/LandBldgEquipBasisNetGrp/BOYAmt03585553
IRS990/LandBldgEquipBasisNetGrp/EOYAmt03528765
IRS990/LandBldgEquipCostOrOtherBssAmt04753995
IRS990/LegalDomicileStateCd0WI
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/NetAssetsOrFundBalancesBOYAmt010018653
IRS990/NetAssetsOrFundBalancesEOYAmt010753588
IRS990/NetUnrelatedBusTxblIncmAmt0-59505
IRS990/NetUnrlzdGainsLossesInvstAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0150738
IRS990/OfficeExpensesGrp/TotalAmt0137319
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01042552
IRS990/OtherAssetsTotalGrp/EOYAmt0969050
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0167719
IRS990/OtherExpensesGrp/Desc0Dividend Expense on Share Accounts
IRS990/OtherExpensesGrp/Desc1ATM/Debit Card Processing
IRS990/OtherExpensesGrp/Desc2Loan Loss Expense
IRS990/OtherExpensesGrp/TotalAmt0422827
IRS990/OtherExpensesGrp/TotalAmt1168364
IRS990/OtherExpensesGrp/TotalAmt25000
IRS990/OtherLiabilitiesGrp/BOYAmt063200370
IRS990/OtherLiabilitiesGrp/EOYAmt067074373
IRS990/OtherOrganizationDsc0Non Profit Credit Union
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/TotalAmt0933719
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt061186594
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt065959560
IRS990/PartialLiquidationInd00
IRS990/PaymentsToAffiliatesGrp/TotalAmt030463
IRS990/PayrollTaxesGrp/TotalAmt0106972
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt047214
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt035174
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt023401
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/RelatedOrExemptFuncIncomeAmt02838351
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1659921
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt281278
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3284167
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt40
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt02838351
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1659921
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt281278
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3284167
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt416797
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt416797
IRS990/ProgSrvcAccomActy2Grp/Desc0Provided low-cost financial services to 4,854 members.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt02771711
IRS990/ProgSrvcAccomActy2Grp/GrantAmt00
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0399243
IRS990/ProgSrvcAccomActy3Grp/Desc0Granted 1,441 new loans to members totalling $67,437,330.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt064671
IRS990/ProgSrvcAccomActy3Grp/GrantAmt00
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt03498272
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/RevenueAmt079832
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt036525
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01420539
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt03701645
IRS990/PYRevenuesLessExpensesAmt0755063
IRS990/PYSalariesCompEmpBnftPaidAmt01562568
IRS990/PYTotalExpensesAmt02983107
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt03738170
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0734935
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010018653
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010753588
IRS990/SavingsAndTempCashInvstGrp/BOYAmt05514610
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02633468
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt02021334
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0529123
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02550457
IRS990ScheduleD/EquipmentGrp/BookValueAmt0173273
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0417298
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0590571
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt04000000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1313066
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt2246037
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0Corporate Central CU Certificates of Deposit
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1Corporate Central CU PCC Account
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc2Corporate Central CU NCA Account
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd2C
IRS990ScheduleD/LandGrp/BookValueAmt01135847
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt01135847
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt0198311
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0278809
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0477120
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt067074373
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Total Shares, Drafts, IRAs and CDs
IRS990ScheduleD/TotalBookValueLandBuildingsAmt03528765
IRS990ScheduleD/TotalBookValueProgramRltdAmt04559103
IRS990ScheduleD/TotalLiabilityAmt067074373

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$78,284,220
Liabilities
$67,530,632
Net assets
$10,753,588
Revenue
$3,994,144
Expenses
$3,259,209
Net income
$734,935
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