Civic Intelligence

Richmond Fire Dept Credit Union Inc

EIN 54-0618258 • 501(c)14 • Richmond, VA

Profile

We are a member-owned, not for profit financial institution. Our mission is to serve the most precious commodity which is our members and their families. We are dedicated to providing our members with the best possible financial services and products while maintaining our credit union's long-term financial stability. Our commitment is to provie a fair and honest product with a friendly, caring attitude while striving to exceed our member's expectation. Our service is about the members more so than the bottom line.

900 Hermitage RoadRichmond, VA 23220

www.firepolicecu.org

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.86x

Higher debt load relative to assets than 53% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

46th percentile

15.22x

Higher debt load relative to revenue than 46% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

91st percentile

28%

Higher net margin than 91% of similar nonprofits.

501(c)14 • $10M-$25M 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 • $10M-$25M nonprofits • Source year 2024

Asset Growth

67th percentile

2.4%

Faster asset growth than 67% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

41st percentile

3.8%

Faster revenue growth than 41% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Up

$20,486,719

Up $489,856 (+2.4%) from 2023

Liabilities

Up

$17,670,543

Up $168,037 (+1.0%) from 2023

Net Assets

Up

$2,816,176

Up $321,819 (+13%) from 2023

Operations
Liabilities / Revenue46th percentileNet Margin91st percentile

Revenue

Up

$1,160,707

Up $42,629 (+3.8%) from 2023

Expenses

Down

$838,888

Down $34,456 (-3.9%) from 2023

Net Income

Up

$321,819

Up $77,085 (+31%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth67th percentile

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

$30M$20M$10M$0Assets 2010: $15,460,960Liabilities 2010: $13,661,721Net Assets 2010: $1,799,2392010Assets 2011: $15,705,916Liabilities 2011: $13,769,841Net Assets 2011: $1,936,0752011Assets 2012: $14,962,756Liabilities 2012: $13,174,969Net Assets 2012: $1,787,7872012Assets 2013: $15,439,109Liabilities 2013: $13,539,459Net Assets 2013: $1,899,6502013Assets 2014: $14,465,313Liabilities 2014: $12,525,673Net Assets 2014: $1,939,6402014Assets 2016: $20,930,477Liabilities 2016: $18,387,701Net Assets 2016: $2,542,7762016Assets 2017: $20,625,918Liabilities 2017: $18,259,618Net Assets 2017: $2,366,3002017Assets 2018: $19,854,092Liabilities 2018: $17,586,786Net Assets 2018: $2,267,3062018Assets 2019: $18,611,033Liabilities 2019: $16,332,508Net Assets 2019: $2,278,5252019Assets 2020: $20,554,675Liabilities 2020: $18,359,710Net Assets 2020: $2,194,9652020Assets 2021: $20,939,088Liabilities 2021: $18,732,485Net Assets 2021: $2,206,6032021Assets 2022: $21,759,424Liabilities 2022: $19,509,801Net Assets 2022: $2,249,6232022Assets 2023: $19,996,863Liabilities 2023: $17,502,506Net Assets 2023: $2,494,3572023Assets 2024: $20,486,719Liabilities 2024: $17,670,543Net Assets 2024: $2,816,1762024

Highlighted filing

2024

Assets$20,486,719
Liabilities$17,670,543
Net Assets$2,816,176
Open 2024 Filing

Operations Trend

Revenue Growth41st percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $784,9312010Expenses 2011: $735,1322011Expenses 2012: $925,1992012Revenue 2013: $797,611Expenses 2013: $685,748Net Income 2013: $111,8632013Revenue 2014: $760,927Expenses 2014: $720,937Net Income 2014: $39,9902014Revenue 2016: $1,023,096Expenses 2016: $1,100,778Net Income 2016: -$77,6822016Revenue 2017: $960,470Expenses 2017: $1,136,946Net Income 2017: -$176,4762017Revenue 2018: $967,577Expenses 2018: $1,062,770Net Income 2018: -$95,1932018Revenue 2019: $904,760Expenses 2019: $893,541Net Income 2019: $11,2192019Revenue 2020: $793,068Expenses 2020: $876,628Net Income 2020: -$83,5602020Revenue 2021: $770,891Expenses 2021: $759,253Net Income 2021: $11,6382021Revenue 2022: $798,681Expenses 2022: $755,661Net Income 2022: $43,0202022Revenue 2023: $1,118,078Expenses 2023: $873,344Net Income 2023: $244,7342023Revenue 2024: $1,160,707Expenses 2024: $838,888Net Income 2024: $321,8192024

Highlighted filing

2024

Revenue$1,160,707
Expenses$838,888
Net Income$321,819
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$20,486,719
Liabilities
$17,670,543
Net assets
$2,816,176
Revenue
$1,160,707
Expenses
$838,888
Net income
$321,819
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.5$17.7$2.82$1.16$0.84$0.32
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.0$17.5$2.49$1.12$0.87$0.24
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.8$19.5$2.25$0.80$0.76$0.04
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.9$18.7$2.21$0.77$0.76$0.01
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.6$18.4$2.19$0.79$0.88$0.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.6$16.3$2.28$0.90$0.89$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.9$17.6$2.27$0.97$1.06$0.10
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.6$18.3$2.37$0.96$1.14$0.18
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$20.9$18.4$2.54$1.02$1.10$0.08
2014Detailed filing. Detailed filing data is available for this year.$14.5$12.5$1.94$0.76$0.72$0.04
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$15.4$13.5$1.90$0.80$0.69$0.11
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.0$13.2$1.79$0.93
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.7$13.8$1.94$0.74
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.5$13.7$1.80$0.78
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2019 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Nov 12, 2020
Return Version
2019v5.0
Gross Receipts
$904,760
Mission and Program Overview

Mission

Our mission is to serve the most precious commodity which is our members and their families. We are dedicated to providing our members with the best possible financial services and products while maintaining our credit union's long-term financial stability. Our commitment is to provie a fair and honest product with a friendly, caring attitude while striving to exceed our member's expectation. Our service is about the members more so than the bottom line.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$8,137,217$7,002,359▼ $1,134,858
Rtn Earn Endowment Incm Other Fnds$2,267,306$2,278,525▲ $11,219
Cash and Non-Interest-Bearing Accounts$445,550$526,970▲ $81,420
Land, Buildings, and Equipment, Net$33,371$51,939▲ $18,568
Prepaid Expenses and Deferred Charges$31,856$47,690▲ $15,834
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$19,854,092$18,611,033▼ $1,243,059
Other Assets Total$11,206,098$10,982,075▼ $224,023
Liabilities
Other Liabilities$17,378,552$16,156,601▼ $1,221,951
Accounts Payable and Accrued Expenses$208,234$175,907▼ $32,327
Total Liabilities$17,586,786$16,332,508▼ $1,254,278
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,267,306$2,278,525▲ $11,219
Total Liabilities and Net Assets / Fund Balance$19,854,092$18,611,033▼ $1,243,059

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$51,939-$51,939
Other Assets Org$249,765--
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Robert MarlandChairman
Stacey HarrisVice-Chairman
Don a SalottiDirector
James VerlanderDirector
Malvin CaldwellDirector
Melody SpiveyDirector
Robert S Baumgardner JrSecretary
Linn M Rowh JrTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$783,597
Investment Income
$121,163
Other Revenue
$0
Change in Net Assets
$11,219
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$520,596
Salaries, Compensation, and Employee Benefits$372,945
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$342,742
Other Expenses---$77,834
Other Employee Benefits---$24,370
Travel---$11,492
All Other Expenses---$6,342
Payroll Taxes---$5,833
Total Functional Expenses$0$0$0$893,541
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
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$16,156,601
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
No
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, Line 11B: Form 990 Review Process

“No review was or will be conducted.”

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“AVAILABLE UPON REQUEST.”

Filing and Contact Details

Filer

Filer Name
Richmond Va Fire Police Credit Union Inc
EIN
54-0618258
Phone
8043540673
Address
900 HERMITAGE ROAD, RICHMOND, VA 23220

Signing Officer

Name
Iris Ellis
Title
President
Signed
2020-11-12
Discuss with paid preparer
Yes

Organization Details

Formed
1929
Legal Domicile
Va
Voting Board Members
9
Independent Board Members
9
Employees
11
Volunteers
19

Preparer

Firm
Boyce Spady & Moore Plc
Address
1013 W Washington Street, Suffolk, VA 23434
Preparer
Robert M Moore Jr
Phone
7575392953
Raw XML Appendix390 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/AdvertisingGrp/TotalAmt00
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IRS990/BooksInCareOfDetail/PhoneNum08043540673
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0900 HERMITAGE ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0RICHMOND
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd023220
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IRS990/BusinessRlnWithFamMemInd0false
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IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd0false
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IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
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IRS990/CYContributionsGrantsAmt00
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IRS990/CYOtherExpensesAmt0520596
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IRS990/CYProgramServiceRevenueAmt0783597
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IRS990/CYTotalExpensesAmt0893541
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IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0904760
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IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt00
IRS990/Desc0THE CREDIT UNION PROVIDED AFFORDABLE LOANS TO 586 MEMBERS DURING THE YEAR. MANY OF THESE INDIVIDUALS WOULD NOT HAVE BEEN ABLE TO OBTAIN SUCH LOANS FROM OTHER FINANCIAL INSTITUTIONS. IN ADDITION, THE CREDIT UNION PROVIDED MEMBERS WITH DEPOSITORY SERVICES, CHECKING ACCOUNTS, CLUB ACCOUNTS, SHARE CERTIFICATES, ELECTRONIC WIRES, VISA DEBIT CARDS, LIMITED ATM ACCESS, BILL PAYING SERVICE, CREDIT UNION SERVICE CENTERS, AND EDUCATIONAL, ROTH AND TRADITIONAL IRAS. THE CREDIT UNION MEMBERSHIP CONSISTS PRIMARILY OF FIREFIGHTERS, POLICE OFFICERS AND THEIR FAMILIES OF THE CITY OF RICHMOND, THE COUNTY OF HANOVER, THE RICHMOND AMBULANCE AUTHORITY AND WEST END VOLUNTEER RESCUE SQUAD AND INCLUDES MANY INDIVIDUALS GENERALLY NOT RECRUITED FOR SERVICES AT LARGER FINANCIAL INSTITUTIONS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
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IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt00
IRS990/FeesForServicesLegalGrp/TotalAmt00
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IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
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IRS990/Form990PartVIISectionAGrp/TitleTxt4Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt5Treasurer
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IRS990/Form990PartVIISectionAGrp/TitleTxt7Chairman
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IRS990/MissionDesc0OUR MISSION IS TO SERVE THE MOST PRECIOUS COMMODITY WHICH IS OUR MEMBERS AND THEIR FAMILIES. WE ARE DEDICATED TO PROVIDING OUR MEMBERS WITH THE BEST POSSIBLE FINANCIAL SERVICES AND PRODUCTS WHILE MAINTAINING OUR CREDIT UNION'S LONG-TERM FINANCIAL STABILITY. OUR COMMITMENT IS TO PROVIE A FAIR AND HONEST PRODUCT WITH A FRIENDLY, CARING ATTITUDE WHILE STRIVING TO EXCEED OUR MEMBER'S EXPECTATION. OUR SERVICE IS ABOUT THE MEMBERS MORE SO THAN THE BOTTOM LINE.
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ReturnHeader/BuildTS02022-01-07 14:23:13Z
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ReturnHeader/BusinessOfficerGrp/PersonNm0IRIS ELLIS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-11-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RICHMOND VA FIRE POLICE CREDIT UNION INC
ReturnHeader/Filer/BusinessNameControlTxt0RICH
ReturnHeader/Filer/EIN0540618258
ReturnHeader/Filer/PhoneNum08043540673
ReturnHeader/Filer/USAddress/AddressLine1Txt0900 HERMITAGE ROAD
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ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BOYCE SPADY & MOORE PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01013 W Washington Street
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Suffolk
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd023434
ReturnHeader/PreparerPersonGrp/PhoneNum07575392953
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Robert M Moore Jr
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02020-11-12T10:02:44-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02019-01-01
ReturnHeader/TaxPeriodEndDt02019-12-31
ReturnHeader/TaxYr02019

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