Civic Intelligence

Fort Dodge Family Credit Union

EIN 42-6066958 • 501(c)14 • Fort Dodge, IA

View Organization Page

Profile

State chartered credit union

407 2nd Ave SFort Dodge, IA 50501

www.fdfcu.com

Siviq Scores

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

Liabilities / Assets

52nd percentile

0.87x

Higher debt load relative to assets than 52% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

22nd percentile

12.07x

Higher debt load relative to revenue than 22% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

39th percentile

6.7%

Higher net margin than 39% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

11th percentile

$0

Higher top officer pay than 11% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

81st percentile

5.7%

Faster asset growth than 81% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

49th percentile

8.8%

Faster revenue growth than 49% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$40,564,666

Up $2,191,599 (+5.7%) from 2023

Liabilities

Up

$35,423,120

Up $1,993,876 (+6.0%) from 2023

Net Assets

Up

$5,141,546

Up $197,723 (+4.0%) from 2023

Operations
Liabilities / Revenue22nd percentileNet Margin39th percentile

Revenue

Up

$2,933,788

Up $236,456 (+8.8%) from 2023

Expenses

Up

$2,736,065

Up $361,956 (+15%) from 2023

Net Income

Down

$197,723

Down $125,500 (-39%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth81st percentile

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

$60M$40M$20M$0Assets 2010: $18,264,173Liabilities 2010: $16,188,226Net Assets 2010: $2,075,9472010Assets 2011: $20,917,187Liabilities 2011: $18,771,289Net Assets 2011: $2,145,8982011Assets 2012: $21,886,615Liabilities 2012: $19,476,749Net Assets 2012: $2,409,8662012Assets 2013: $22,917,307Liabilities 2013: $20,241,305Net Assets 2013: $2,676,0022013Assets 2014: $24,709,882Liabilities 2014: $21,825,122Net Assets 2014: $2,884,7602014Assets 2015: $26,210,795Liabilities 2015: $23,039,604Net Assets 2015: $3,171,1912015Assets 2016: $28,502,146Liabilities 2016: $25,173,790Net Assets 2016: $3,328,3562016Assets 2017: $29,318,165Liabilities 2017: $25,834,160Net Assets 2017: $3,484,0052017Assets 2018: $29,651,953Liabilities 2018: $25,930,853Net Assets 2018: $3,721,1002018Assets 2019: $31,070,785Liabilities 2019: $27,034,907Net Assets 2019: $4,035,8782019Assets 2020: $37,384,808Liabilities 2020: $33,046,835Net Assets 2020: $4,337,9732020Assets 2021: $41,092,626Liabilities 2021: $36,538,351Net Assets 2021: $4,554,2752021Assets 2022: $39,681,951Liabilities 2022: $35,061,351Net Assets 2022: $4,620,6002022Assets 2023: $38,373,067Liabilities 2023: $33,429,244Net Assets 2023: $4,943,8232023Assets 2024: $40,564,666Liabilities 2024: $35,423,120Net Assets 2024: $5,141,5462024

Highlighted filing

2024

Assets$40,564,666
Liabilities$35,423,120
Net Assets$5,141,546
Open 2024 Filing

Operations Trend

Revenue Growth49th percentile

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

$3.0M$2.0M$1.0M$0Expenses 2010: $913,3392010Expenses 2011: $1,140,9882011Expenses 2012: $965,5222012Revenue 2013: $1,183,012Expenses 2013: $916,876Net Income 2013: $266,1362013Revenue 2014: $1,149,982Expenses 2014: $941,224Net Income 2014: $208,7582014Revenue 2015: $1,243,521Expenses 2015: $957,090Net Income 2015: $286,4312015Revenue 2016: $1,343,880Expenses 2016: $1,186,715Net Income 2016: $157,1652016Revenue 2017: $1,571,169Expenses 2017: $1,415,520Net Income 2017: $155,6492017Revenue 2018: $1,704,632Expenses 2018: $1,467,537Net Income 2018: $237,0952018Revenue 2019: $1,928,392Expenses 2019: $1,613,614Net Income 2019: $314,7782019Revenue 2020: $1,783,003Expenses 2020: $1,480,908Net Income 2020: $302,0952020Revenue 2021: $1,813,914Expenses 2021: $1,597,612Net Income 2021: $216,3022021Revenue 2022: $2,185,001Expenses 2022: $2,118,676Net Income 2022: $66,3252022Revenue 2023: $2,697,332Expenses 2023: $2,374,109Net Income 2023: $323,2232023Revenue 2024: $2,933,788Expenses 2024: $2,736,065Net Income 2024: $197,7232024

Highlighted filing

2024

Revenue$2,933,788
Expenses$2,736,065
Net Income$197,723
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$40,564,666
Liabilities
$35,423,120
Net assets
$5,141,546
Revenue
$2,933,788
Expenses
$2,736,065
Net income
$197,723
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$40.6$35.4$5.14$2.93$2.74$0.20
2023Detailed filing. Detailed filing data is available for this year.$38.4$33.4$4.94$2.70$2.37$0.32
2022Detailed filing. Detailed filing data is available for this year.$39.7$35.1$4.62$2.19$2.12$0.07
2021Detailed filing. Detailed filing data is available for this year.$41.1$36.5$4.55$1.81$1.60$0.22
2020Detailed filing. Detailed filing data is available for this year.$37.4$33.0$4.34$1.78$1.48$0.30
2019Detailed filing. Detailed filing data is available for this year.$31.1$27.0$4.04$1.93$1.61$0.31
2018Detailed filing. Detailed filing data is available for this year.$29.7$25.9$3.72$1.70$1.47$0.24
2017Detailed filing. Detailed filing data is available for this year.$29.3$25.8$3.48$1.57$1.42$0.16
2016Detailed filing. Detailed filing data is available for this year.$28.5$25.2$3.33$1.34$1.19$0.16
2015Detailed filing. Detailed filing data is available for this year.$26.2$23.0$3.17$1.24$0.96$0.29
2014Detailed filing. Detailed filing data is available for this year.$24.7$21.8$2.88$1.15$0.94$0.21
2013Detailed filing. Detailed filing data is available for this year.$22.9$20.2$2.68$1.18$0.92$0.27
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.9$19.5$2.41$0.97
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.9$18.8$2.15$1.14
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.3$16.2$2.08$0.91
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 16, 2025
Return Version
2024v5.0
Gross Receipts
$2,933,788
Mission and Program Overview

Mission

State chartered credit union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$24,776,637$23,407,242▼ $1,369,395
Savings and Temporary Cash Investments$11,401,051$14,786,969▲ $3,385,918
Rtn Earn Endowment Incm Other Fnds$3,928,823$3,975,626▲ $46,803
Land, Buildings, and Equipment, Net$1,070,331$1,431,852▲ $361,521
Pd in Cap Srpls Land Bldg Eqp Fund$1,015,000$1,165,920▲ $150,920
Cash and Non-Interest-Bearing Accounts$491,897$297,372▼ $194,525
Prepaid Expenses and Deferred Charges$7,220$5,778▼ $1,442
Total Assets$38,373,067$40,564,666▲ $2,191,599
Other Assets Total$625,931$635,453▲ $9,522
Liabilities
Other Liabilities$32,864,658$35,011,650▲ $2,146,992
Accounts Payable and Accrued Expenses$564,586$411,470▼ $153,116
Total Liabilities$33,429,244$35,423,120▲ $1,993,876
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,943,823$5,141,546▲ $197,723
Total Liabilities and Net Assets / Fund Balance$38,373,067$40,564,666▲ $2,191,599

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,067,771$427,739$1,495,510
Equipment$113,081$318,730$431,811
Land$251,000-$251,000
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Alex TaylorBoard Member
Andrew CampbellBoard Member
Chris HansonBoard Member
Curt LehmanBoard Member
Dallas WoockBoard Member
Josette WhiteBoard Member
Linda MerschBoard Member
Marsha CondonBoard Member
Pam MoellerBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,209,166
Investment Income
$724,622
Other Revenue
$0
Change in Net Assets
$197,723
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,871,811
Salaries, Compensation, and Employee Benefits$864,254
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$776,698
All Other Expenses---$105,186
Office Expenses---$91,126
Other Expenses---$80,961
Depreciation Depletion---$69,837
Payroll Taxes---$65,289
Occupancy---$64,674
Advertising---$28,426
Insurance---$20,793
Conferences and Meetings---$17,179
Fees for Services Accounting---$13,417
Pension Plan Contributions---$11,753
Other Employee Benefits---$10,514
Total Functional Expenses$0$0$0$2,736,065
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
Member Deposits$35,011,650
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“All depositors are considered members.”

Form 990, Page 6, Part VI, Line 7A

“The credit union members elect on an annual basis the members of the board of directors.”

Form 990, Page 6, Part VI, Line 7B

“Any proposed mergers must be approved by a majority of the membership.”

Form 990, Page 6, Part VI, Line 11B

“No review was or will be conducted.”

Form 990, Page 6, Part VI, Line 15A

“The board of directors completes an employee evaluation on the manager on an annual basis. The employee evaluation is discussed at the board meeting, a motion is made as to the level of compensation and then voted on by the board. The last evaluation was conducted in december 2024.”

Form 990, Page 6, Part VI, Line 19

“The monthly financial statements are posted in the lobby and are updated on a monthly basis. The governing documents and conflict of interest policy are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Fort Dodge Family Credit Union
EIN
42-6066958
Phone
5155731160
Address
407 2ND AVE S, FORT DODGE, IA 50501

Signing Officer

Name
Julie Pingel
Title
Manager
Phone
5155731160
Signed
2025-05-16

Organization Details

Principal Officer
Julie Pingel
Formed
1940
Legal Domicile
Ia
Voting Board Members
9
Independent Board Members
9
Employees
17
Volunteers
11

Preparer

Firm
Petersen & Associates
Address
506 E GOLD COAST RD STE 100, PAPILLION, NE 68046-4790
Preparer
Steven O Petersen
Phone
4023332800
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“N/A”

Raw XML Appendix330 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.

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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0N/A
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL DEPOSITORS ARE CONSIDERED MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MEMBERS ELECT ON AN ANNUAL BASIS THE MEMBERS OF THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ANY PROPOSED MERGERS MUST BE APPROVED BY A MAJORITY OF THE MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS COMPLETES AN EMPLOYEE EVALUATION ON THE MANAGER ON AN ANNUAL BASIS. THE EMPLOYEE EVALUATION IS DISCUSSED AT THE BOARD MEETING, A MOTION IS MADE AS TO THE LEVEL OF COMPENSATION AND THEN VOTED ON BY THE BOARD. THE LAST EVALUATION WAS CONDUCTED IN DECEMBER 2024.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE MONTHLY FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY AND ARE UPDATED ON A MONTHLY BASIS. THE GOVERNING DOCUMENTS AND CONFLICT OF INTEREST POLICY ARE MADE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIE PINGEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum05155731160
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FORT DODGE FAMILY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FORT
ReturnHeader/Filer/EIN0426066958
ReturnHeader/Filer/PhoneNum05155731160
ReturnHeader/Filer/USAddress/AddressLine1Txt0407 2ND AVE S
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0470749138
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0PETERSEN & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0506 E GOLD COAST RD STE 100
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PAPILLION
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0680464790
ReturnHeader/PreparerPersonGrp/PhoneNum04023332800
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0STEVEN O PETERSEN
ReturnHeader/ReturnTs02025-05-16T11:52:04-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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