Civic Intelligence

Charlotte Fire Department Credit Un

EIN 56-0769519 • 501(c)14 • Charlotte, NC

View Organization Page

Profile

To provide financial services to its members at reasonable rates and pay reasonable dividends

Refreshing map…

2121 Commonwealth AvenueCharlotte, NC 28205

www.cfdcu.org

Siviq Scores

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

Liabilities / Assets

42nd percentile

0.87x

Higher debt load relative to assets than 42% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

80th percentile

18.54x

Higher debt load relative to revenue than 80% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

20th percentile

1.8%

Higher net margin than 20% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

47th percentile

$154,117

Higher top officer pay than 47% of similar nonprofits.

Top officer pay equals 6.2% of source-year revenue.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

52nd percentile

1.9%

Faster asset growth than 52% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

43rd percentile

8.3%

Faster revenue growth than 43% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$52,696,689

Up $991,295 (+1.9%) from 2023

Liabilities

Up

$45,921,997

Up $163,966 (+0.4%) from 2023

Net Assets

Up

$6,774,692

Up $827,329 (+14%) from 2023

Operations
Liabilities / Revenue80th percentileNet Margin20th percentile

Revenue

Up

$2,476,668

Up $189,794 (+8.3%) from 2023

Expenses

Up

$2,431,812

Up $139,581 (+6.1%) from 2023

Net Income

Up

$44,856

Up $50,213 (+937%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth52nd percentile

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

$80M$60M$40M$20M$0Assets 2008: $42,143,044Liabilities 2008: $36,312,569Net Assets 2008: $5,830,4752008Assets 2009: $46,457,402Liabilities 2009: $41,305,889Net Assets 2009: $5,151,5132009Assets 2010: $51,313,022Liabilities 2010: $45,835,103Net Assets 2010: $5,477,9192010Assets 2011: $50,050,777Liabilities 2011: $44,178,664Net Assets 2011: $5,872,1132011Assets 2012: $49,480,831Liabilities 2012: $43,583,336Net Assets 2012: $5,897,4952012Assets 2013: $48,055,484Liabilities 2013: $43,223,151Net Assets 2013: $4,832,3332013Assets 2014: $45,505,406Liabilities 2014: $40,167,344Net Assets 2014: $5,338,0622014Assets 2015: $46,262,114Liabilities 2015: $40,706,249Net Assets 2015: $5,555,8652015Assets 2016: $46,906,851Liabilities 2016: $41,173,808Net Assets 2016: $5,733,0432016Assets 2017: $47,166,184Liabilities 2017: $41,451,177Net Assets 2017: $5,715,0072017Assets 2018: $47,821,393Liabilities 2018: $41,552,083Net Assets 2018: $6,269,3102018Assets 2019: $48,231,097Liabilities 2019: $41,492,452Net Assets 2019: $6,738,6452019Assets 2020: $53,250,586Liabilities 2020: $46,196,189Net Assets 2020: $7,054,3972020Assets 2021: $59,497,341Liabilities 2021: $52,732,391Net Assets 2021: $6,764,9502021Assets 2022: $60,616,101Liabilities 2022: $55,479,033Net Assets 2022: $5,137,0682022Assets 2023: $51,705,394Liabilities 2023: $45,758,031Net Assets 2023: $5,947,3632023Assets 2024: $52,696,689Liabilities 2024: $45,921,997Net Assets 2024: $6,774,6922024

Highlighted filing

2024

Assets$52,696,689
Liabilities$45,921,997
Net Assets$6,774,692
Open 2024 Filing

Operations Trend

Revenue Growth43rd percentile

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

$3.0M$2.0M$1.0M$0-$1.0MRevenue 2008: $2,726,068Expenses 2008: $2,500,799Net Income 2008: $225,2692008Revenue 2009: $2,357,384Expenses 2009: $2,590,433Net Income 2009: -$233,0492009Revenue 2010: $2,545,605Expenses 2010: $2,386,952Net Income 2010: $158,6532010Revenue 2011: $2,271,173Expenses 2011: $2,258,250Net Income 2011: $12,9232011Revenue 2012: $2,064,054Expenses 2012: $2,218,335Net Income 2012: -$154,2812012Revenue 2013: $1,912,377Expenses 2013: $1,904,700Net Income 2013: $7,6772013Revenue 2014: $1,767,004Expenses 2014: $1,722,309Net Income 2014: $44,6952014Revenue 2015: $1,711,282Expenses 2015: $1,688,498Net Income 2015: $22,7842015Revenue 2016: $1,680,205Expenses 2016: $1,653,829Net Income 2016: $26,3762016Revenue 2017: $1,814,140Expenses 2017: $1,724,323Net Income 2017: $89,8172017Revenue 2018: $2,788,579Expenses 2018: $2,030,964Net Income 2018: $757,6152018Revenue 2019: $2,227,951Expenses 2019: $2,158,319Net Income 2019: $69,6322019Revenue 2020: $2,040,127Expenses 2020: $1,933,325Net Income 2020: $106,8022020Revenue 2021: $1,827,462Expenses 2021: $1,632,066Net Income 2021: $195,3962021Revenue 2022: $1,882,782Expenses 2022: $1,862,788Net Income 2022: $19,9942022Revenue 2023: $2,286,874Expenses 2023: $2,292,231Net Income 2023: -$5,3572023Revenue 2024: $2,476,668Expenses 2024: $2,431,812Net Income 2024: $44,8562024

Highlighted filing

2024

Revenue$2,476,668
Expenses$2,431,812
Net Income$44,856
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$52,696,689
Liabilities
$45,921,997
Net assets
$6,774,692
Revenue
$2,476,668
Expenses
$2,431,812
Net income
$44,856
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.7$45.9$6.77$2.48$2.43$0.04
2023Summary only. Only limited summary data is available for this year.$51.7$45.8$5.95$2.29$2.29$0.01
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$60.6$55.5$5.14$1.88$1.86$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.5$52.7$6.76$1.83$1.63$0.20
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$53.3$46.2$7.05$2.04$1.93$0.11
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.2$41.5$6.74$2.23$2.16$0.07
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.8$41.6$6.27$2.79$2.03$0.76
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$47.2$41.5$5.72$1.81$1.72$0.09
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.9$41.2$5.73$1.68$1.65$0.03
2015Summary only. Only limited summary data is available for this year.$46.3$40.7$5.56$1.71$1.69$0.02
2014Summary only. Only limited summary data is available for this year.$45.5$40.2$5.34$1.77$1.72$0.04
2013Summary only. Only limited summary data is available for this year.$48.1$43.2$4.83$1.91$1.90$0.01
2012Summary only. Only limited summary data is available for this year.$49.5$43.6$5.90$2.06$2.22$0.15
2011Summary only. Only limited summary data is available for this year.$50.1$44.2$5.87$2.27$2.26$0.01
2010Summary only. Only limited summary data is available for this year.$51.3$45.8$5.48$2.55$2.39$0.16
2009Summary only. Only limited summary data is available for this year.$46.5$41.3$5.15$2.36$2.59$0.23
2008Summary only. Only limited summary data is available for this year.$42.1$36.3$5.83$2.73$2.50$0.23
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 5, 2025
Return Version
2024v5.0
Gross Receipts
$2,476,668
Mission and Program Overview

Mission

To provide financial services to its members at

To provide financial services to its members at reasonable rates and pay reasonable dividends

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$22,110,950$20,416,921▼ $1,694,029
Savings and Temporary Cash Investments$13,941,430$11,153,455▼ $2,787,975
Investments in Publicly Traded Securities$13,431,748$10,955,846▼ $2,475,902
Cash and Non-Interest-Bearing Accounts$1,271,067$6,835,812▲ $5,564,745
Rtn Earn Endowment Incm Other Fnds$5,947,363$6,774,692▲ $827,329
Land, Buildings, and Equipment, Net$213,352$331,140▲ $117,788
Prepaid Expenses and Deferred Charges$54,230$82,484▲ $28,254
Total Assets$51,705,394$52,696,689▲ $991,295
Other Assets Total$682,617$2,921,031▲ $2,238,414
Liabilities
Other Liabilities$44,959,201$45,445,513▲ $486,312
Accounts Payable and Accrued Expenses$798,830$476,484▼ $322,346
Total Liabilities$45,758,031$45,921,997▲ $163,966
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,947,363$6,774,692▲ $827,329
Total Liabilities and Net Assets / Fund Balance$51,705,394$52,696,689▲ $991,295

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$91,987$812,016$904,003
Leasehold Improvements-$347,270$347,270
Land$239,153-$239,153
Other Assets Org$27,638--
Compensation and Service Providers
Top Officer Pay47th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Deborah H TrotterManager CEOFT$142,636$11,481$154,117

Board Members and Trustees

NameTitle
Brian KurzelChairman
John M KefferVice Chairma
James HanlineBoard Member
Lc KellyBoard Member
Everette PassalyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,815,682
Investment Income
$660,986
Other Revenue
$0
Change in Net Assets
$44,856
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,417,035
Salaries, Compensation, and Employee Benefits$1,014,777
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$872,141--$872,141
Interest$679,361--$679,361
Fees for Services Other$159,706--$159,706
Office Expenses$157,866--$157,866
Current Officers, Directors, Trustees, and Key Employees$142,636--$142,636
Occupancy$104,182--$104,182
Conferences and Meetings$70,162--$70,162
Other Expenses$15,780--$15,780
Advertising$12,163--$12,163
Total Functional Expenses$2,431,812$0$0$2,431,812
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
Shares$45,445,513
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
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

“MEMBERS”

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

“Directors and officers are elected by members.”

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

“Decisions are subject to members votes.”

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

“Sent to credit union management for review”

Form 990, Page 6, Part VI, Line 19

“Provide copies upon request”

Filing and Contact Details

Filer

Filer Name
Charlotte Fire Department Credit Un
EIN
56-0769519
Phone
7043753950
Address
2121 COMMONWEALTH AVENUE, CHARLOTTE, NC 28205

Signing Officer

Name
Deborah H Trotter
Title
Manager CEO
Phone
7043753950
Signed
2025-05-05

Organization Details

Principal Officer
Deborah H Trotter
Formed
1955
Legal Domicile
Nc
Voting Board Members
5
Independent Board Members
5
Employees
11

Preparer

Firm
Cantey Tiller Pierce & Green Llp
Address
PO BOX 862, CAMDEN, SC 29021
Preparer
Janet M Pierce
Phone
8034321436
Supplemental Narrative

Additional Explanations

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

“During the year, the credit union served its members by providing loans at reasonable rates. It also accepts deposits and paid reasonable rates of interest on those deposits.”

Form 990, Part XI

“Line 8 prior period adjustment prior period adjustment in undivided earining due to change in methodology of loan loss”

Raw XML Appendix337 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/AccountsPayableAccrExpnssGrp/BOYAmt0798830
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IRS990/ActivityOrMissionDesc0TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS AT REASONABLE RATES AND PAY REASONABLE DIVIDENDS
IRS990/AdvertisingGrp/ProgramServicesAmt012163
IRS990/AdvertisingGrp/TotalAmt012163
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0ROBIN E STARKS
IRS990/BooksInCareOfDetail/PhoneNum07043753950
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02121 COMMONWEALTH AVE
IRS990/BooksInCareOfDetail/USAddress/AddressLine2Txt02121 COMMONWEALTH AVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0CHARLOTTE
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0NC
IRS990/BooksInCareOfDetail/USAddress/ZIPCd028205
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt01271067
IRS990/CashNonInterestBearingGrp/EOYAmt06835812
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0142636
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0142636
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0false
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/ProgramServicesAmt070162
IRS990/ConferencesMeetingsGrp/TotalAmt070162
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0660986
IRS990/CYOtherExpensesAmt01417035
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01815682
IRS990/CYRevenuesLessExpensesAmt044856
IRS990/CYSalariesCompEmpBnftPaidAmt01014777
IRS990/CYTotalExpensesAmt02431812
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02476668
IRS990/DecisionsSubjectToApprovaInd0true
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/Desc0DURING THE YEAR, THE CREDIT UNION SERVED ITS MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. IT ALSO ACCEPTED DEPOSITS AND PAID REASONABLE RATES OF INTEREST ON THOSE DEPOSITS.
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt011
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt0159706
IRS990/FeesForServicesOtherGrp/TotalAmt0159706
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt011481
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/PersonNm0DEBORAH H TROTTER
IRS990/Form990PartVIISectionAGrp/PersonNm1JAMES HANLINE
IRS990/Form990PartVIISectionAGrp/PersonNm2JOHN M KEFFER
IRS990/Form990PartVIISectionAGrp/PersonNm3LC KELLY
IRS990/Form990PartVIISectionAGrp/PersonNm4BRIAN KURZEL
IRS990/Form990PartVIISectionAGrp/PersonNm5EVERETTE PASSALY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0142636
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
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IRS990/Form990PartVIISectionAGrp/TitleTxt1BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01955
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedInd0false
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt05
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02476668
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0false
IRS990/IndependentVotingMemberCnt05
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InterestGrp/ProgramServicesAmt0679361
IRS990/InterestGrp/TotalAmt0679361
IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt0660986
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0660986
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt013431748
IRS990/InvestmentsPubTradedSecGrp/EOYAmt010955846
IRS990/IRPDocumentCnt01703
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt01159286
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0213352
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0331140
IRS990/LandBldgEquipCostOrOtherBssAmt01490426
IRS990/LegalDomicileStateCd0NC
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE FINANCIAL SERVICES TO ITS MEMBERS AT REASONABLE RATES AND PAY REASONABLE DIVIDENDS
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt05947363
IRS990/NetAssetsOrFundBalancesEOYAmt06774692
IRS990/NetUnrlzdGainsLossesInvstAmt0713496
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IRS990/OccupancyGrp/ProgramServicesAmt0104182
IRS990/OccupancyGrp/TotalAmt0104182
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IRS990/OfficeExpensesGrp/TotalAmt0157866
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0682617
IRS990/OtherAssetsTotalGrp/EOYAmt02921031
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1MISC OPERATING EXPENSE
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN & LEAS
IRS990/OtherExpensesGrp/Desc3OPERATING FEES
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IRS990/OtherExpensesGrp/ProgramServicesAmt126061
IRS990/OtherExpensesGrp/ProgramServicesAmt220219
IRS990/OtherExpensesGrp/ProgramServicesAmt315780
IRS990/OtherExpensesGrp/TotalAmt0171535
IRS990/OtherExpensesGrp/TotalAmt126061
IRS990/OtherExpensesGrp/TotalAmt220219
IRS990/OtherExpensesGrp/TotalAmt315780
IRS990/OtherLiabilitiesGrp/BOYAmt044959201
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IRS990/OtherSalariesAndWagesGrp/TotalAmt0872141
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt022110950
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt020416921
IRS990/PartialLiquidationInd0false
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt054230
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt082484
IRS990/PrincipalOfficerNm0DEBORAH H TROTTER
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IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST
IRS990/ProgramServiceRevenueGrp/Desc1OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2FEE INCOME
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1153040
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0DURING THE YEAR, THE CREDIT UNION SERVED ITS MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. IT ALSO ACCEPTS DEPOSITS AND PAID REASONABLE RATES OF INTEREST ON THOSE DEPOSITS.
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt0812016
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0OTHER ASSETS
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INTEREST
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0DEBORAH H TROTTER
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0MANAGER CEO
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DURING THE YEAR, THE CREDIT UNION SERVED ITS MEMBERS BY PROVIDING LOANS AT REASONABLE RATES. IT ALSO ACCEPTS DEPOSITS AND PAID REASONABLE RATES OF INTEREST ON THOSE DEPOSITS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DIRECTORS AND OFFICERS ARE ELECTED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DECISIONS ARE SUBJECT TO MEMBERS VOTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4SENT TO CREDIT UNION MANAGEMENT FOR REVIEW
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PROVIDE COPIES UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6LINE 8 PRIOR PERIOD ADJUSTMENT PRIOR PERIOD ADJUSTMENT IN UNDIVIDED EARINING DUE TO CHANGE IN METHODOLOGY OF LOAN LOSS
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 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI
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IRS990/TotalAssetsGrp/EOYAmt052696689
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IRS990/TotalFunctionalExpensesGrp/TotalAmt02431812
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt045921997
IRS990/TotalLiabilitiesGrp/BOYAmt045758031
IRS990/TotalLiabilitiesGrp/EOYAmt045921997
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IRS990/TotalProgramServiceRevenueAmt01815682
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02476668
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt051705394
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt052696689
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt06824 MANATEE DRIVE
IRS990/USAddress/CityNm0CONCORD
IRS990/USAddress/StateAbbreviationCd0NC
IRS990/USAddress/ZIPCd028025
IRS990/VotingMembersGoverningBodyCnt05
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IRS990/WebsiteAddressTxt0WWW.CFDCU.ORG
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0DEBORAH H TROTTER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07043753950
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-05
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CHARLOTTE FIRE DEPARTMENT CREDIT UN
ReturnHeader/Filer/BusinessNameControlTxt0CHAR
ReturnHeader/Filer/EIN0560769519
ReturnHeader/Filer/PhoneNum07043753950
ReturnHeader/Filer/USAddress/AddressLine1Txt02121 COMMONWEALTH AVENUE
ReturnHeader/Filer/USAddress/CityNm0CHARLOTTE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NC
ReturnHeader/Filer/USAddress/ZIPCd028205
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0570568919
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CANTEY TILLER PIERCE & GREEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO BOX 862
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CAMDEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0SC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd029021
ReturnHeader/PreparerPersonGrp/PhoneNum08034321436
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-05
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JANET M PIERCE
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-05-14T14:42:57-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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