Civic Intelligence

Des Moines Fire Department Credit Union

EIN 42-0742008 • 501(c)14 • Des Moines, IA

Profile

The des moines fire department credit union exists to serve exclusively des moines fire fighters and their familes with the highest quality savings, loans, and other financial services at competitive rates.

1330 Mulberry StreetDes Moines, IA 50309

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

37th percentile

0.76x

Higher debt load relative to assets than 37% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

75th percentile

16.33x

Higher debt load relative to revenue than 75% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Net Margin

54th percentile

1.6%

Higher net margin than 54% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

36th percentile

$28,200

Higher top officer pay than 36% of similar nonprofits.

Top officer pay equals 17.8% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2025

Asset Growth

79th percentile

0.5%

Faster asset growth than 79% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

30th percentile

-16%

Faster revenue growth than 30% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets37th percentile

Assets

Down

$3,377,125

Down $135,323 (-3.9%) from 2023

Liabilities

Down

$2,580,635

Down $141,546 (-5.2%) from 2023

Net Assets

Up

$796,490

Up $6,223 (+0.8%) from 2023

Operations
Liabilities / Revenue75th percentileNet Margin54th percentile

Revenue

Up

$188,273

Up $35,619 (+23%) from 2023

Expenses

Up

$182,050

Up $34,963 (+24%) from 2023

Net Income

Up

$6,223

Up $656 (+12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth79th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $6,345,549Liabilities 2010: $5,524,773Net Assets 2010: $820,7762010Assets 2012: $6,020,050Liabilities 2012: $5,196,284Net Assets 2012: $823,7662012Assets 2013: $5,460,355Liabilities 2013: $4,640,420Net Assets 2013: $819,9352013Assets 2014: $5,264,556Liabilities 2014: $4,442,969Net Assets 2014: $821,5872014Assets 2015: $4,969,725Liabilities 2015: $4,146,002Net Assets 2015: $823,7232015Assets 2016: $4,757,433Liabilities 2016: $3,930,153Net Assets 2016: $827,2802016Assets 2017: $4,480,196Liabilities 2017: $3,650,603Net Assets 2017: $829,5932017Assets 2018: $4,357,975Liabilities 2018: $3,524,472Net Assets 2018: $833,5032018Assets 2019: $4,051,232Liabilities 2019: $3,212,910Net Assets 2019: $838,3222019Assets 2020: $4,134,671Liabilities 2020: $3,292,352Net Assets 2020: $842,3192020Assets 2021: $4,020,619Liabilities 2021: $3,206,960Net Assets 2021: $813,6592021Assets 2022: $3,854,469Liabilities 2022: $3,069,770Net Assets 2022: $784,6992022Assets 2023: $3,512,448Liabilities 2023: $2,722,181Net Assets 2023: $790,2672023Assets 2024: $3,377,125Liabilities 2024: $2,580,635Net Assets 2024: $796,4902024

Highlighted filing

2024

Assets$3,377,125
Liabilities$2,580,635
Net Assets$796,490
Open 2024 Filing

Operations Trend

Revenue Growth30th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$300K$200K$100K$0-$100KExpenses 2010: $209,5992010Expenses 2012: $193,8922012Revenue 2013: $142,156Expenses 2013: $145,986Net Income 2013: -$3,8302013Revenue 2014: $132,364Expenses 2014: $130,712Net Income 2014: $1,6522014Revenue 2015: $131,355Expenses 2015: $129,220Net Income 2015: $2,1352015Revenue 2016: $172,932Expenses 2016: $169,375Net Income 2016: $3,5572016Revenue 2017: $135,666Expenses 2017: $133,352Net Income 2017: $2,3142017Revenue 2018: $140,491Expenses 2018: $136,580Net Income 2018: $3,9112018Revenue 2019: $152,826Expenses 2019: $148,007Net Income 2019: $4,8192019Revenue 2020: $135,092Expenses 2020: $131,096Net Income 2020: $3,9962020Revenue 2021: $103,886Expenses 2021: $132,546Net Income 2021: -$28,6602021Revenue 2022: $97,492Expenses 2022: $126,452Net Income 2022: -$28,9602022Revenue 2023: $152,654Expenses 2023: $147,087Net Income 2023: $5,5672023Revenue 2024: $188,273Expenses 2024: $182,050Net Income 2024: $6,2232024

Highlighted filing

2024

Revenue$188,273
Expenses$182,050
Net Income$6,223
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$3,377,125
Liabilities
$2,580,635
Net assets
$796,490
Revenue
$188,273
Expenses
$182,050
Net income
$6,223
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.38$2.58$0.80$0.19$0.18$0.01
2023Detailed filing. Detailed filing data is available for this year.$3.51$2.72$0.79$0.15$0.15$0.01
2022Detailed filing. Detailed filing data is available for this year.$3.85$3.07$0.78$0.10$0.13$0.03
2021Detailed filing. Detailed filing data is available for this year.$4.02$3.21$0.81$0.10$0.13$0.03
2020Detailed filing. Detailed filing data is available for this year.$4.13$3.29$0.84$0.14$0.13$0.00
2019Detailed filing. Detailed filing data is available for this year.$4.05$3.21$0.84$0.15$0.15$0.00
2018Detailed filing. Detailed filing data is available for this year.$4.36$3.52$0.83$0.14$0.14$0.00
2017Detailed filing. Detailed filing data is available for this year.$4.48$3.65$0.83$0.14$0.13$0.00
2016Detailed filing. Detailed filing data is available for this year.$4.76$3.93$0.83$0.17$0.17$0.00
2015Detailed filing. Detailed filing data is available for this year.$4.97$4.15$0.82$0.13$0.13$0.00
2014Detailed filing. Detailed filing data is available for this year.$5.26$4.44$0.82$0.13$0.13$0.00
2013Detailed filing. Detailed filing data is available for this year.$5.46$4.64$0.82$0.14$0.15$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.02$5.20$0.82$0.19
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.35$5.52$0.82$0.21
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.1
Gross Receipts
$188,273
Mission and Program Overview

Mission

The des moines fire department credit union exists to serve exclusively des moines fire fighters and their familes with the highest quality savings, loans, and other financial services at competitive rates.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,283,331$1,994,294▼ $289,037
Investments Program Related$850,000$850,000→ $0
Rtn Earn Endowment Incm Other Fnds$597,530$603,753▲ $6,223
Savings and Temporary Cash Investments$349,272$506,462▲ $157,190
Pd in Cap Srpls Land Bldg Eqp Fund$192,737$192,737→ $0
Land, Buildings, and Equipment, Net$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$3,512,448$3,377,125▼ $135,323
Other Assets Total$29,845$26,369▼ $3,476
Liabilities
Other Liabilities$2,722,181$2,580,635▼ $141,546
Total Liabilities$2,722,181$2,580,635▼ $141,546
Net Assets / Fund Balance
Total Net Assets Fund Balance$790,267$796,490▲ $6,223
Total Liabilities and Net Assets / Fund Balance$3,512,448$3,377,125▼ $135,323

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$8,470$8,470
Investment Program Related Org$150,000--
Compensation and Service Providers
Top Officer Pay36th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michael E WilliamsPresidentPT$28,200$28,200

Board Members and Trustees

NameTitle
Kerry SchneiderChairperson
Robert StantonVice Chairperson
Gregg VoegtlinAudit Committee
Gregory LeaperAudit Committee
Tony TuazonAudit Committee
Frederic KinzenbawCredit Committee
Steve BrownCredit Committee
Bryan HansenSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$96,434
Investment Income
$91,239
Other Revenue
$600
Change in Net Assets
$6,223
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$117,834
Salaries, Compensation, and Employee Benefits$64,216
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$31,320--$31,320
Information Technology$30,959--$30,959
Office Expenses$30,134--$30,134
Current Officers, Directors, Trustees, and Key Employees$28,200--$28,200
Interest$19,462--$19,462
Payroll Taxes$4,696--$4,696
Insurance$2,619--$2,619
Other Expenses$1,362--$1,362
Payments to Affiliates$544--$544
Occupancy$543--$543
Total Functional Expenses$182,050$0$0$182,050
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Members Shares$2,580,635
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Des moines fire department credit union is supported by its members and their respective families.”

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

“Members have the right to vote for board members at their annual meetings.”

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

“A copy of form 990 was presented to the board and approved at their monthly meeting before it was filed.”

Form 990, Part VI, Section B, Line 15A

“The des moines fire department credit union has kept a salary cap on the wages earned throughout the years of service. Never the less, the fixed salaries are subject to annual approval by the board.”

Form 990, Part VI, Section C, Line 19

“Des moines fire department credit union makes its governing documents and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Des Moines Fire Department Credit Union
EIN
42-0742008
Phone
5152882521
Address
1330 MULBERRY STREET, DES MOINES, IA 50309

Signing Officer

Name
Michael E Williams
Title
CEO
Phone
5152882521
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael E Williams
Formed
1931
Legal Domicile
Ia
Voting Board Members
8
Independent Board Members
8
Employees
3
Volunteers
0

Preparer

Firm
Gardiner Company Pc
Address
10555 NEW YORK AVENUE SUITE 200, DES MOINES, IA 50322
Preparer
Robert Bell CPA
Phone
5152701446
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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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IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt053851
IRS990/PYOtherExpensesAmt080035
IRS990/PYOtherRevenueAmt0600
IRS990/PYProgramServiceRevenueAmt098203
IRS990/PYRevenuesLessExpensesAmt05567
IRS990/PYSalariesCompEmpBnftPaidAmt067052
IRS990/PYTotalExpensesAmt0147087
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0152654
IRS990/QuidProQuoContributionsInd00
IRS990/ReconcilationRevenueExpnssAmt06223
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd01
IRS990/RevenueAmt097034
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0597530
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0603753
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0349272
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0506462
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt00
IRS990ScheduleD/EquipmentGrp/DepreciationAmt08470
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt08470
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt0700000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/BookValueAmt1150000
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc0CORP CENTRAL CD
IRS990ScheduleD/InvstProgramRelatedOrgGrp/Desc1NCB RESERVE ACCOUNT
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd0C
IRS990ScheduleD/InvstProgramRelatedOrgGrp/MethodValuationCd1C
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02580635
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS SHARES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueProgramRltdAmt0850000
IRS990ScheduleD/TotalLiabilityAmt02580635
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DES MOINES FIRE DEPARTMENT CREDIT UNION IS SUPPORTED BY ITS MEMBERS AND THEIR RESPECTIVE FAMILIES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS HAVE THE RIGHT TO VOTE FOR BOARD MEMBERS AT THEIR ANNUAL MEETINGS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF FORM 990 WAS PRESENTED TO THE BOARD AND APPROVED AT THEIR MONTHLY MEETING BEFORE IT WAS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE DES MOINES FIRE DEPARTMENT CREDIT UNION HAS KEPT A SALARY CAP ON THE WAGES EARNED THROUGHOUT THE YEARS OF SERVICE. NEVER THE LESS, THE FIXED SALARIES ARE SUBJECT TO ANNUAL APPROVAL BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4DES MOINES FIRE DEPARTMENT CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt03512448
IRS990/TotalAssetsEOYAmt03377125
IRS990/TotalAssetsGrp/BOYAmt03512448
IRS990/TotalAssetsGrp/EOYAmt03377125
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0182050
IRS990/TotalFunctionalExpensesGrp/TotalAmt0182050
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt02722181
IRS990/TotalLiabilitiesEOYAmt02580635
IRS990/TotalLiabilitiesGrp/BOYAmt02722181
IRS990/TotalLiabilitiesGrp/EOYAmt02580635
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0790267
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0796490
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0182050
IRS990/TotalProgramServiceRevenueAmt096434
IRS990/TotalReportableCompFromOrgAmt028200
IRS990/TotalRevenueGrp/ExclusionAmt091239
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt097034
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0188273
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03512448
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03377125
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01330 MULBERRY STREET
IRS990/USAddress/CityNm0DES MOINES
IRS990/USAddress/StateAbbreviationCd0IA
IRS990/USAddress/ZIPCd050309
IRS990/VotingMembersGoverningBodyCnt08
IRS990/VotingMembersIndependentCnt08
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL E WILLIAMS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05152882521
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DES MOINES FIRE DEPARTMENT CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0DESM
ReturnHeader/Filer/EIN0420742008
ReturnHeader/Filer/PhoneNum05152882521
ReturnHeader/Filer/USAddress/AddressLine1Txt01330 MULBERRY STREET
ReturnHeader/Filer/USAddress/CityNm0DES MOINES
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IA
ReturnHeader/Filer/USAddress/ZIPCd050309
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0421186197
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GARDINER COMPANY PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt010555 NEW YORK AVENUE SUITE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0DES MOINES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd050322
ReturnHeader/PreparerPersonGrp/PhoneNum05152701446
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ROBERT BELL CPA
ReturnHeader/ReturnTs02025-05-15T09:46:09-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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