Civic Intelligence

Waterloo Fireman'S Credit Union

990 • Fiscal year 2012 • EIN 42-0742939

Jan 01, 2012 to Dec 31, 2012 • Filed on Apr 08, 2013

Organization Profile
425 E 3rd Street50703
Siviq Scores

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

Liabilities / Assets

75th percentile

0.88x

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

2012 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2012

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on this filing.

Source year 2012

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2012

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2012

Asset Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2012

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets75th percentile

Assets

$2,121,149

No earlier filing loaded for comparison.

Net Assets

$250,772

No earlier filing loaded for comparison.

Liabilities

$1,870,377

No earlier filing loaded for comparison.

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

$69,535

No earlier filing loaded for comparison.

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset GrowthScore unavailable

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

$3.0M$2.0M$1.0M$0Assets 2012: $2,121,149Liabilities 2012: $1,870,377Net Assets 2012: $250,7722012Assets 2013: $2,171,603Liabilities 2013: $1,925,222Net Assets 2013: $246,3812013Assets 2015: $2,054,640Liabilities 2015: $1,800,596Net Assets 2015: $254,0442015Assets 2016: $1,868,097Liabilities 2016: $1,613,136Net Assets 2016: $254,9612016Assets 2017: $1,934,439Liabilities 2017: $1,679,938Net Assets 2017: $254,5012017Assets 2018: $2,192,298Liabilities 2018: $1,935,533Net Assets 2018: $256,7652018Assets 2019: $2,205,661Liabilities 2019: $1,945,112Net Assets 2019: $260,5492019Assets 2020: $2,676,679Liabilities 2020: $2,412,767Net Assets 2020: $263,9122020Assets 2021: $2,763,835Liabilities 2021: $2,494,159Net Assets 2021: $269,6762021Assets 2024: $2,820,788Liabilities 2024: $2,492,475Net Assets 2024: $328,3132024

Highlighted filing

2012

Assets$2,121,149
Liabilities$1,870,377
Net Assets$250,772
Open 2012 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$150K$100K$50K$0-$50KExpenses 2012: $69,5352012Revenue 2013: $55,689Expenses 2013: $60,080Net Income 2013: -$4,3912013Revenue 2015: $53,766Expenses 2015: $46,678Net Income 2015: $7,0882015Revenue 2016: $47,081Expenses 2016: $46,164Net Income 2016: $9172016Revenue 2017: $48,944Expenses 2017: $49,404Net Income 2017: -$4602017Revenue 2018: $51,533Expenses 2018: $49,269Net Income 2018: $2,2642018Revenue 2019: $63,078Expenses 2019: $59,294Net Income 2019: $3,7842019Revenue 2020: $66,996Expenses 2020: $63,633Net Income 2020: $3,3632020Revenue 2021: $70,483Expenses 2021: $64,719Net Income 2021: $5,7642021Revenue 2024: $128,364Expenses 2024: $98,248Net Income 2024: $30,1162024

Highlighted filing

2012

Revenue-
Expenses$69,535
Net Income-
Open 2012 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
Apr 8, 2013
Return Version
2012v2.1
Gross Receipts
$67,616
Mission and Program Overview

Mission

Credit unions create a source of credit at a fair and reasonable rate of interest.

Filing and Contact Details

Filer

EIN
42-0742939
Raw XML Appendix259 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
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IRS990/AccountsPayableAccruedExpenses/BOY01185
IRS990/AccountsPayableAccruedExpenses/EOY01289
IRS990/ActivitiesConductedPartnership0false
IRS990/ActivityOrMissionDescription0CREDIT UNIONS CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST.
IRS990/AddressPrincipalOfficerUS/AddressLine101311 ORCHARD DRIVE
IRS990/AddressPrincipalOfficerUS/City0CEDAR FALLS
IRS990/AddressPrincipalOfficerUS/State0IA
IRS990/AddressPrincipalOfficerUS/ZIPCode050613
IRS990/AllOtherExpenses/Total0387
IRS990/BenefitsPaidToMembersCY00
IRS990/BsnssRltnshpThruFamilyMember0false
IRS990/BsnssRltnshpWithOrganization0false
IRS990/CashNonInterestBearing/BOY016997
IRS990/CashNonInterestBearing/EOY015986
IRS990/ChangesToOrganizingDocs0false
IRS990/CollectionsOfArt0false
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IRS990/ComplianceWithBackupWitholding0false
IRS990/ConferencesMeetings/Total0474
IRS990/ConflictOfInterestPolicy0false
IRS990/ConservationEasements0false
IRS990/ConsolidatedAuditFinancialStmt0false
IRS990/ContributionsGrantsCurrentYear00
IRS990/CreditCounseling0false
IRS990/DecisionsSubjectToApproval0false
IRS990/DeductibleContributionsOfArt0false
IRS990/DeductibleNonCashContributions0false
IRS990/DelegationOfManagementDuties0false
IRS990/DescribedIn501C30false
IRS990/Description0CREDIT UNIONS CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST, ENCOURAGE HABITS OF THRIFT AMONG THEIR MEMBERS, AND PROVIDE AN OPPORTUNITY FOR THEIR MEMBERS TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITION.
IRS990/DisregardedEntity0false
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IRS990/EmploymentTaxReturnsFiled0true
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IRS990/FamilyOrBusinessRelationship0false
IRS990/FeesForServicesAccounting/Total0350
IRS990/ForeignActivities0false
IRS990/ForeignFinancialAccount0false
IRS990/ForeignOffice0false
IRS990/Form990PartVIISectionA/AverageHoursPerWeek020.00
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector0X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector1X
IRS990/Form990PartVIISectionA/IndividualTrusteeOrDirector2X
IRS990/Form990PartVIISectionA/NamePerson0MICHAEL B MOORE
IRS990/Form990PartVIISectionA/NamePerson1MICHAEL DUFEL
IRS990/Form990PartVIISectionA/NamePerson2BEVERLY BRUMBAUGH
IRS990/Form990PartVIISectionA/NamePerson3SUSAN MCBROOM
IRS990/Form990PartVIISectionA/Officer0X
IRS990/Form990PartVIISectionA/OtherCompensation00
IRS990/Form990PartVIISectionA/OtherCompensation10
IRS990/Form990PartVIISectionA/OtherCompensation20
IRS990/Form990PartVIISectionA/OtherCompensation30
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization00
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization10
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization20
IRS990/Form990PartVIISectionA/ReportableCompFromOrganization323690
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs00
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs10
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs20
IRS990/Form990PartVIISectionA/ReportableCompFromRelatedOrgs30
IRS990/Form990PartVIISectionA/Title0VICE CHAIRMA
IRS990/Form990PartVIISectionA/Title1CHAIRMAN
IRS990/Form990PartVIISectionA/Title2SECRETARY
IRS990/Form990PartVIISectionA/Title3CEO
IRS990/Form990ProvidedToGoverningBody0true
IRS990/FormersListed0false
IRS990/FSAudited0false
IRS990/FundraisingActivities0false
IRS990/Gaming0false
IRS990/GrantsAndSimilarAmntsCY00
IRS990/GrantsToIndividuals0false
IRS990/GrantsToOrganizations0false
IRS990/GrantToRelatedPerson0false
IRS990/GrossReceipts067616
IRS990/GroupReturnForAffiliates0false
IRS990/Hospital0false
IRS990/IndependentAuditFinancialStmt0false
IRS990/IndoorTanningServices0false
IRS990/InfoInScheduleOPartVI0X
IRS990/InformationTechnology/Total09831
IRS990/Insurance/Total016553
IRS990/Interest/Total09999
IRS990/InvestmentIncomeCurrentYear067616
IRS990/InvestmentIncomePriorYear077059
IRS990/InvestmentIncome/RelatedOrExemptFunctionIncome067616
IRS990/InvestmentIncome/TotalRevenueColumn067616
IRS990/InvestmentInJointVenture0false
IRS990/LoanToOfficerOrDQP0false
IRS990/LocalChapters0false
IRS990/MaterialDiversionOrMisuse0false
IRS990/MembersOrStockholders0true
IRS990/MethodOfAccountingAccrual0X
IRS990/MinutesOfCommittees0true
IRS990/MinutesOfGoverningBody0true
IRS990/MissionDescription0CREDIT UNIONS CREATE A SOURCE OF CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST.
IRS990/MoreThan5000KToIndividuals0false
IRS990/MoreThan5000KToOrganizations0false
IRS990/NameOfPrincipalOfficerPerson0SUSAN MCBROOM
IRS990/NbrIndependentVotingMembers09
IRS990/NbrVotingGoverningBodyMembers09
IRS990/NbrVotingMembersGoverningBody09
IRS990/NetAssetsOrFundBalancesBOY0252691
IRS990/NetAssetsOrFundBalancesEOY0250772
IRS990/NonDeductibleContributions0false
IRS990/NumberFormsTransmittedWith109600
IRS990/NumberIndependentVotingMembers09
IRS990/NumberOfEmployees01
IRS990/NumberW2GIncluded00
IRS990/Occupancy/Total0470
IRS990/OfficeExpenses/Total0870
IRS990/OfficerEntityWithBsnssRltnshp0false
IRS990/OfficerMailingAddress0true
IRS990/Organization501c0X
IRS990/OtherAssetsTotal/BOY030172
IRS990/OtherAssetsTotal/EOY028464
IRS990/OtherExpensePriorYear044417
IRS990/OtherExpensesCurrentYear044033
IRS990/OtherExpenses/Description0CU EXAMS & FEES
IRS990/OtherExpenses/Description1COMMUNICATIONS
IRS990/OtherExpenses/Description2DUES
IRS990/OtherExpenses/Description3OPERATING FEES
IRS990/OtherExpenses/Total01664
IRS990/OtherExpenses/Total11508
IRS990/OtherExpenses/Total21216
IRS990/OtherExpenses/Total3711
IRS990/OtherLiabilities/BOY01918153
IRS990/OtherLiabilities/EOY01869088
IRS990/OtherNotesLoansReceivableNet/BOY01454294
IRS990/OtherNotesLoansReceivableNet/EOY01333456
IRS990/OtherRevenueCurrentYear00
IRS990/OtherSalariesAndWages/Total023690
IRS990/PartialLiquidation0false
IRS990/PayrollTaxes/Total01812
IRS990/PoliticalActivities0false
IRS990/ProfessionalFundraising0false
IRS990/ProgramServiceRevenueCY00
IRS990/ProhibitedTaxShelterTrans0false
IRS990/ReconcilationRevenueExpenses0-1919
IRS990/RelatedEntity0false
IRS990/RelatedOrgControlledEntity0false
IRS990/ReportFin48Footnote0false
IRS990/ReportInvestOthSecurities0false
IRS990/ReportLandBldgEquip0false
IRS990/ReportOtherAssets0false
IRS990/ReportOtherLiabilities0true
IRS990/ReportProgRelInvest0false
IRS990/RetainedEarningsEndowmentEtc/BOY0252691
IRS990/RetainedEarningsEndowmentEtc/EOY0250772
IRS990/RevenuesLessExpensesCY0-1919
IRS990/RevenuesLessExpensesPriorYear07140
IRS990/SalariesEtcCurrentYear025502
IRS990/SalariesEtcPriorYear025502
IRS990/SavingsAndTempCashInvestments/BOY0670566
IRS990/SavingsAndTempCashInvestments/EOY0743243
IRS990/ScheduleBRequired0false
IRS990ScheduleD/OtherLiabilities/Amount01869088
IRS990ScheduleD/OtherLiabilities/Description0TOTAL SHARES & DEPOSITS
IRS990ScheduleD/TotalOfAmounts01869088
IRS990/ScheduleJRequired0false
IRS990ScheduleO/GeneralExplanation/Explanation0ORGANIZATION HAS MEMBERS
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS ELECT THE GOVERNING BODY.
IRS990ScheduleO/GeneralExplanation/Explanation2SUSAN MCBROOM 1311 ORCHARD DR CEDAR FALLS, IA 50613 MICHAEL B MOORE 1651 LARK LANE WATERLOO, IA 50701 MICHAEL DUFEL 5326 FJORD DR CEDAR FALLS, IA 50613 BEVERLY BRUMBAUGH 10574 LAPORTE ROAD LAPORTE CITY, IA 50651
IRS990ScheduleO/GeneralExplanation/Explanation3NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/GeneralExplanation/Explanation4GOVERNING BODY DETERMINES THE COMPENSATION FOR THE ONLY EMPLOYEE THE CEO.
IRS990ScheduleO/GeneralExplanation/Explanation5NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/GeneralExplanation/Identifier0CLASSES OF MEMBERS OR STOCKHOLDERS
IRS990ScheduleO/GeneralExplanation/Identifier1ELECTION OF MEMBERS AND THEIR RIGHTS
IRS990ScheduleO/GeneralExplanation/Identifier2OFFICERS WHO CANNOT BE REACHED
IRS990ScheduleO/GeneralExplanation/Identifier3ORGANIZATION'S PROCESS USED TO REVIEW FORM 990
IRS990ScheduleO/GeneralExplanation/Identifier4COMPENSATION PROCESS FOR TOP OFFICIAL
IRS990ScheduleO/GeneralExplanation/Identifier5GOVERNING DOCUMENTS DISCLOSURE EXPLANATION
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PAGE 6, PART VI, LINE 9
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PAGE 6, PART VI, LINE 19
IRS990/ScheduleORequired0false
IRS990/School0false
IRS990/SignificantChange0false
IRS990/SignificantNewProgramServices0false
IRS990/StateLegalDomicile0IA
IRS990/SubjectToProxyTax0false
IRS990/TaxablePartyNotification0false
IRS990/TaxExemptBonds0false
IRS990/Terminated0false
IRS990/TermOrPermanentEndowments0false
IRS990/TheBooksAreInCareOf/AddressUS/AddressLine10425 E 3RD STREET
IRS990/TheBooksAreInCareOf/AddressUS/City0WATERLOO
IRS990/TheBooksAreInCareOf/AddressUS/State0IA
IRS990/TheBooksAreInCareOf/AddressUS/ZIPCode050703
IRS990/TheBooksAreInCareOf/NamePerson0SUSAN MCBROOM
IRS990/TheBooksAreInCareOf/TelephoneNumber03192363803
IRS990/TotalAssets/BOY02172029
IRS990/TotalAssetsBOY02172029
IRS990/TotalAssets/EOY02121149
IRS990/TotalAssetsEOY02121149
IRS990/TotalCompGT150K0false
IRS990/TotalExpensesCurrentYear069535
IRS990/TotalExpensesPriorYear069919
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IRS990/TotalFunctionalExpenses/ManagementAndGeneral00
IRS990/TotalFunctionalExpenses/ProgramServices00
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IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
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IRS990/TotalLiabilitiesBOY01919338
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IRS990/TotalLiabilitiesEOY01870377
IRS990/TotalLiabNetAssetsFundBalances/BOY02172029
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IRS990/TotalNbrEmployees01
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IRS990/TotalNetAssetsFundBalances/EOY0250772
IRS990/TotalProfFundrsngExpCY00
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IRS990/TotalReportableCompFromOrg023690
IRS990/TotalRevenueCurrentYear067616
IRS990/TotalRevenuePriorYear077059
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome067616
IRS990/TotalRevenue/TotalRevenueColumn067616
IRS990/TypeOfOrganizationOther0X
IRS990/TypeOfOrgOtherDescription0CREDIT UNION
IRS990/UnrelatedBusinessIncome0false
IRS990/WhistleblowerPolicy0false
IRS990/YearFormation01933
ReturnHeader/BuildTS02016-03-07 17:11:31Z
ReturnHeader/Filer/EIN0420742939
ReturnHeader/Filer/Name/BusinessNameLine10WATERLOO FIREMAN'S CREDIT UNION
ReturnHeader/Filer/NameControl0WATE
ReturnHeader/Filer/Phone03192363803
ReturnHeader/Filer/USAddress/AddressLine10425 E 3RD STREET
ReturnHeader/Filer/USAddress/City0WATERLOO
ReturnHeader/Filer/USAddress/State0IA
ReturnHeader/Filer/USAddress/ZIPCode050703
ReturnHeader/Officer/DateSigned02013-04-08
ReturnHeader/Officer/Name0SUSAN MCBROOM
ReturnHeader/Officer/Phone03192363803
ReturnHeader/Officer/Title0CEO
ReturnHeader/Preparer/DatePrepared02013-05-08
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10HEATON ADAMS & CO PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10333 W FOURTH
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0WATERLOO
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0IA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode050701
ReturnHeader/Preparer/Name0DAVID EVENSON
ReturnHeader/Preparer/Phone03192321943
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02012-01-01
ReturnHeader/TaxPeriodEndDate02012-12-31
ReturnHeader/TaxYear02012
ReturnHeader/Timestamp02013-05-08T14:43:28-05:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2012 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$2,121,149
Liabilities
$1,870,377
Net assets
$250,772
Revenue
-
Expenses
$69,535
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.82$2.49$0.33$0.13$0.10$0.03
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.76$2.49$0.27$0.07$0.06$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.68$2.41$0.26$0.07$0.06$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.21$1.95$0.26$0.06$0.06$0.00
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.19$1.94$0.26$0.05$0.05$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.93$1.68$0.25$0.05$0.05$0.00
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.87$1.61$0.25$0.05$0.05$0.00
2015Detailed filing. Detailed filing data is available for this year.$2.05$1.80$0.25$0.05$0.05$0.01
2013Detailed filing. Detailed filing data is available for this year.$2.17$1.93$0.25$0.06$0.06$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.12$1.87$0.25$0.07
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2012 filings • 501(c)14 • $1M-$5M nonprofits