Civic Intelligence

Pfd Firefighters Credit Union Inc

EIN 54-0636804 • 501(c)14 • Portsmouth, VA

Profile

The credit union's mission is to provide affordable financial services to its members, including loan relationships, depository services, debit cards and internet banking by professionals who provide excellent service.

3209 Cedar LanePortsmouth, VA 23703

www.pfdcu.com

Siviq Scores

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

Liabilities / Assets

34th percentile

0.85x

Higher debt load relative to assets than 34% of similar nonprofits.

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

Liabilities / Revenue

49th percentile

15.98x

Higher debt load relative to revenue than 49% of similar nonprofits.

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

Net Margin

58th percentile

13%

Higher net margin than 58% 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

10th percentile

-6.5%

Faster asset growth than 10% of similar nonprofits.

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

Revenue Growth

54th percentile

10%

Faster revenue growth than 54% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets34th percentile

Assets

Down

$32,006,410

Down $2,234,075 (-6.5%) from 2023

Liabilities

Down

$27,133,143

Down $2,447,452 (-8.3%) from 2023

Net Assets

Up

$4,873,267

Up $213,377 (+4.6%) from 2023

Operations
Liabilities / Revenue49th percentileNet Margin58th percentile

Revenue

Up

$1,697,668

Up $161,043 (+10%) from 2023

Expenses

Up

$1,484,291

Up $23,016 (+1.6%) from 2023

Net Income

Up

$213,377

Up $138,027 (+183%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth10th percentile

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

$40M$30M$20M$10M$0Assets 2010: $21,318,772Liabilities 2010: $19,516,881Net Assets 2010: $1,801,8912010Assets 2011: $21,596,530Liabilities 2011: $19,564,064Net Assets 2011: $2,032,4662011Assets 2012: $22,971,642Liabilities 2012: $20,403,430Net Assets 2012: $2,568,2122012Assets 2013: $23,939,291Liabilities 2013: $20,967,027Net Assets 2013: $2,972,2642013Assets 2014: $24,500,418Liabilities 2014: $21,234,899Net Assets 2014: $3,265,5192014Assets 2015: $25,424,132Liabilities 2015: $21,919,855Net Assets 2015: $3,504,2772015Assets 2016: $26,525,254Liabilities 2016: $22,842,997Net Assets 2016: $3,682,2572016Assets 2017: $27,190,611Liabilities 2017: $23,408,851Net Assets 2017: $3,781,7602017Assets 2018: $27,550,614Liabilities 2018: $23,556,515Net Assets 2018: $3,994,0992018Assets 2019: $29,361,665Liabilities 2019: $25,178,072Net Assets 2019: $4,183,5932019Assets 2020: $31,476,567Liabilities 2020: $27,144,141Net Assets 2020: $4,332,4262020Assets 2021: $34,059,949Liabilities 2021: $29,601,644Net Assets 2021: $4,458,3052021Assets 2022: $33,133,734Liabilities 2022: $28,549,194Net Assets 2022: $4,584,5402022Assets 2023: $34,240,485Liabilities 2023: $29,580,595Net Assets 2023: $4,659,8902023Assets 2024: $32,006,410Liabilities 2024: $27,133,143Net Assets 2024: $4,873,2672024

Highlighted filing

2024

Assets$32,006,410
Liabilities$27,133,143
Net Assets$4,873,267
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2010: $1,361,1352010Expenses 2011: $1,166,0352011Expenses 2012: $855,9412012Revenue 2013: $1,324,309Expenses 2013: $920,257Net Income 2013: $404,0522013Revenue 2014: $1,313,041Expenses 2014: $1,019,786Net Income 2014: $293,2552014Revenue 2015: $1,327,729Expenses 2015: $1,088,971Net Income 2015: $238,7582015Revenue 2016: $1,310,701Expenses 2016: $1,132,721Net Income 2016: $177,9802016Revenue 2017: $1,272,092Expenses 2017: $1,172,589Net Income 2017: $99,5032017Revenue 2018: $1,365,088Expenses 2018: $1,152,749Net Income 2018: $212,3392018Revenue 2019: $1,463,522Expenses 2019: $1,274,028Net Income 2019: $189,4942019Revenue 2020: $1,417,911Expenses 2020: $1,269,078Net Income 2020: $148,8332020Revenue 2021: $1,426,996Expenses 2021: $1,301,117Net Income 2021: $125,8792021Revenue 2022: $1,409,974Expenses 2022: $1,283,739Net Income 2022: $126,2352022Revenue 2023: $1,536,625Expenses 2023: $1,461,275Net Income 2023: $75,3502023Revenue 2024: $1,697,668Expenses 2024: $1,484,291Net Income 2024: $213,3772024

Highlighted filing

2024

Revenue$1,697,668
Expenses$1,484,291
Net Income$213,377
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$32,006,410
Liabilities
$27,133,143
Net assets
$4,873,267
Revenue
$1,697,668
Expenses
$1,484,291
Net income
$213,377
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$32.0$27.1$4.87$1.70$1.48$0.21
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.2$29.6$4.66$1.54$1.46$0.08
2022Detailed filing. Detailed filing data is available for this year.$33.1$28.5$4.58$1.41$1.28$0.13
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$34.1$29.6$4.46$1.43$1.30$0.13
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.5$27.1$4.33$1.42$1.27$0.15
2019Detailed filing. Detailed filing data is available for this year.$29.4$25.2$4.18$1.46$1.27$0.19
2018Detailed filing. Detailed filing data is available for this year.$27.6$23.6$3.99$1.37$1.15$0.21
2017Detailed filing. Detailed filing data is available for this year.$27.2$23.4$3.78$1.27$1.17$0.10
2016Detailed filing. Detailed filing data is available for this year.$26.5$22.8$3.68$1.31$1.13$0.18
2015Detailed filing. Detailed filing data is available for this year.$25.4$21.9$3.50$1.33$1.09$0.24
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$24.5$21.2$3.27$1.31$1.02$0.29
2013Detailed filing. Detailed filing data is available for this year.$23.9$21.0$2.97$1.32$0.92$0.40
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.0$20.4$2.57$0.86
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.6$19.6$2.03$1.17
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$21.3$19.5$1.80$1.36
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 4, 2025
Return Version
2024v5.2
Gross Receipts
$1,697,668
Mission and Program Overview

Mission

The credit union's mission is to provide affordable financial services to its members, including loan relationships, depository services, credit cards and internet banking by professionals who provide excellent service.

The credit union provided affordable loans to 374 individuals 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 depository services, debit cards, internet banking, account transfers, night deposit box, money wires and notary services to members. The credit union's membership consists primarily of fire department employees and their families and includes many individuals generally not recruited for services at larger financial institutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$4,659,890$4,873,267▲ $213,377
Savings and Temporary Cash Investments$5,726,178$4,830,176▼ $896,002
Cash and Non-Interest-Bearing Accounts$422,589$406,790▼ $15,799
Prepaid Expenses and Deferred Charges$25,776$49,302▲ $23,526
Land, Buildings, and Equipment, Net$43,644$22,592▼ $21,052
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$34,240,485$32,006,410▼ $2,234,075
Other Assets Total$28,022,298$26,697,550▼ $1,324,748
Liabilities
Other Liabilities$29,480,421$27,076,968▼ $2,403,453
Accounts Payable and Accrued Expenses$100,174$56,175▼ $43,999
Total Liabilities$29,580,595$27,133,143▼ $2,447,452
Net Assets / Fund Balance
Total Net Assets Fund Balance$4,659,890$4,873,267▲ $213,377
Total Liabilities and Net Assets / Fund Balance$34,240,485$32,006,410▼ $2,234,075

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$16,724$137,150$153,874
Other Land Buildings$5,868$69,526$75,394
Other Assets Org$294,810--
Compensation and Service Providers
Top Officer Pay11th percentile

Board Members and Trustees

NameTitle
Grover HollomonPresident
David HarringtonVice President
Richard StephensVice President
Beck BarfieldDirector
James HofflerDirector
Susan EasterCEO
Gary LassiterSecretary
Douglas Britt HughsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,561,129
Investment Income
$131,468
Other Revenue
$5,071
Change in Net Assets
$213,377
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$872,516
Salaries, Compensation, and Employee Benefits$611,775
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$448,613
Other Employee Benefits---$89,979
Pension Plan Contributions---$38,294
All Other Expenses---$36,810
Payroll Taxes---$34,889
Travel---$22,333
Other Expenses---$17,981
Depreciation Depletion---$12,504
Occupancy---$1,196
Interest---$228
Total Functional Expenses$0$0$0$1,484,291
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$27,076,967
Rounding$1
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

“CREDIT UNION MEMBERS”

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

“The 990 tax form is presented, reviewed and approved at the monthly board meeting.”

Form 990, Part VI, Section C, Line 19

“AVAILABLE UPON REQUEST”

Filing and Contact Details

Filer

Filer Name
Pfd Firefighters Credit Union Inc
EIN
54-0636804
Phone
7576863051
Address
3209 CEDAR LANE, PORTSMOUTH, VA 23703

Signing Officer

Name
Grover Hollomon
Title
President
Signed
2025-11-04
Discuss with paid preparer
Yes

Organization Details

Formed
1955
Legal Domicile
Va
Voting Board Members
7
Independent Board Members
7
Employees
11
Volunteers
13

Preparer

Firm
Boyce Spady & Moore Plc
Address
1013 W Washington Street, Suffolk, VA 23434
Preparer
Robert M Moore Jr
Phone
7575392953
Raw XML AppendixShowing 400 of 413 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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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0RICHARD STEPHENS
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1GARY LASSITER
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2BECK BARFIELD
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3DOUGLAS BRITT HUGHSON
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4JAMES HOFFLER
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNION MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE 990 TAX FORM IS PRESENTED, REVIEWED AND APPROVED AT THE MONTHLY BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 19
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ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0GROVER HOLLOMON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0PFD FIREFIGHTERS CREDIT UNION INC
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