Civic Intelligence

Firemans Credit Union

990 • Fiscal year 2011 • EIN 63-0021945

Jan 01, 2011 to Dec 31, 2011 • Filed on May 11, 2012

Organization ProfileN/A
1808 7th Avenue North35203
Siviq Scores

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

Liabilities / Assets

38th percentile

0.79x

Higher debt load relative to assets than 38% of similar nonprofits.

2011 filings • 501(c)14 • $1M-$5M nonprofits • Source year 2011

Liabilities / Revenue

Score unavailable

No value available

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

Source year 2011

Net Margin

Score unavailable

No value available

Net margin requires both revenue and expenses on this filing.

Source year 2011

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2011

Asset Growth

64th percentile

3.7%

Faster asset growth than 64% of similar nonprofits.

2011 filings • 501(c)14 • $1M-$5M nonprofits • Annualized from 2010 to 2011

Revenue Growth

Score unavailable

No value available

No valid filing value is available for this score.

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$3,914,106

Up $137,865 (+3.7%) from 2010

Net Assets

Up

$815,608

Up $123,127 (+18%) from 2010

Liabilities

Up

$3,098,498

Up $14,738 (+0.5%) from 2010

Revenue And Expenses
Liabilities / RevenueScore unavailableNet MarginScore unavailable

Revenue

-

No earlier filing loaded for comparison.

Expenses

Down

$229,534

Down $6,817 (-2.9%) from 2010

Net Income

-

No earlier filing loaded for comparison.

Historical Trend

Balance Sheet Trend

Asset Growth64th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $3,776,241Liabilities 2010: $3,083,760Net Assets 2010: $692,4812010Assets 2011: $3,914,106Liabilities 2011: $3,098,498Net Assets 2011: $815,6082011Assets 2012: $4,214,243Liabilities 2012: $3,238,502Net Assets 2012: $975,7412012Assets 2013: $4,371,511Liabilities 2013: $3,264,799Net Assets 2013: $1,106,7122013Assets 2014: $4,706,842Liabilities 2014: $3,474,874Net Assets 2014: $1,231,9682014Assets 2015: $4,856,838Liabilities 2015: $3,489,056Net Assets 2015: $1,367,7822015Assets 2016: $5,161,311Liabilities 2016: $3,630,082Net Assets 2016: $1,531,2292016Assets 2017: $5,515,063Liabilities 2017: $3,801,565Net Assets 2017: $1,713,4982017Assets 2018: $5,821,669Liabilities 2018: $3,942,142Net Assets 2018: $1,879,5272018Assets 2019: $6,377,866Liabilities 2019: $4,344,554Net Assets 2019: $2,033,3122019Assets 2020: $6,649,527Liabilities 2020: $4,475,311Net Assets 2020: $2,174,2162020Assets 2021: $7,123,741Liabilities 2021: $4,838,024Net Assets 2021: $2,285,7172021Assets 2022: $7,130,665Liabilities 2022: $4,755,167Net Assets 2022: $2,375,4982022Assets 2023: $7,122,981Liabilities 2023: $4,652,271Net Assets 2023: $2,470,7102023Assets 2024: $6,970,480Liabilities 2024: $4,427,202Net Assets 2024: $2,543,2782024

Highlighted filing

2011

Assets$3,914,106
Liabilities$3,098,498
Net Assets$815,608
Open 2011 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$400K$300K$200K$100K$0Expenses 2010: $236,3512010Expenses 2011: $229,5342011Expenses 2012: $214,4992012Revenue 2013: $348,506Expenses 2013: $217,535Net Income 2013: $130,9712013Revenue 2014: $360,232Expenses 2014: $234,974Net Income 2014: $125,2582014Revenue 2015: $364,091Expenses 2015: $228,277Net Income 2015: $135,8142015Revenue 2016: $369,896Expenses 2016: $206,449Net Income 2016: $163,4472016Revenue 2017: $383,976Expenses 2017: $201,707Net Income 2017: $182,2692017Revenue 2018: $398,058Expenses 2018: $232,029Net Income 2018: $166,0292018Revenue 2019: $397,354Expenses 2019: $243,569Net Income 2019: $153,7852019Revenue 2020: $380,091Expenses 2020: $239,187Net Income 2020: $140,9042020Revenue 2021: $334,494Expenses 2021: $222,993Net Income 2021: $111,5012021Revenue 2022: $333,232Expenses 2022: $243,451Net Income 2022: $89,7812022Revenue 2023: $367,477Expenses 2023: $272,265Net Income 2023: $95,2122023Revenue 2024: $380,016Expenses 2024: $307,448Net Income 2024: $72,5682024

Highlighted filing

2011

Revenue-
Expenses$229,534
Net Income-
Open 2011 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2011 to Dec 31, 2011
Signed
May 11, 2012
Return Version
2011v1.2
Gross Receipts
$352,661
Mission and Program Overview

Mission

Cooperative society incorporated for the twofold purpose of promoting thrift among its members and creating a source of credit for them at legitimate rates of interest.

Filing and Contact Details

Filer

EIN
63-0021945
Raw XML Appendix329 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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IRS990/Description0ALABAMA BANKING CODE, SECTION 5-17-1, STATES THAT A CREDIT UNION IS A COOPERATIVE SOCIETY INCORPORATED FOR THE TWOFOLD PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST. FIREMAN'S CREDIT UNION, AN ALABAMA STATE CHARTERED CREDIT UNION, WAS ESTABLISHED TO PROVIDE THESE SERVICES TO ITS MEMBERS WHO ARE EMPLOYEES AND THEIR RELATIVES OF THE CITY OF BIRMINGHAM FIRE DEPARTMENT. AS OF DECEMBER 31, 2011, THE CREDIT UNION HAD MEMBERSHIP AND PROVIDED SERVICES TO APPROXIMATELY 825 MEMBERS.
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IRS990ScheduleO/GeneralExplanation/Explanation0ALABAMA BANKING CODE, SECTION 5-17-5 STATES THAT, "CREDIT UNION MEMBERSHIP SHALL CONSIST OF THE INCORPORATORS AND SUCH OTHER PERSONS AS MAY BE ELECTED TO MEMBERSHIP AND WHO SUBSCRIBE TO AT LEAST ONE SHARE AND PAY THE INITIAL INSTALLMENT THEREON AND THE ENTRANCE FEE. ORGANIZATIONS, INCORPORATED OR OTHERWISE, COMPOSED FOR THE MOST PART OF THE SAME GENERAL GROUP AS THE CREDIT UNION MEMBERSHIP MAY BE MEMBERS. CREDIT UNION ORGANIZATION SHALL BE LIMITED TO GROUPS, OF BOTH LARGE AND SMALL MEMBERSHIP, HAVING A COMMON BOND OF OCCUPATION OR ASSOCIATION OR TO GROUPS WITHIN A WELL- DEFINED NEIGHBORHOOD, COMMUNITY OR RURAL DISTRICT." THE MEMBERSHIP OF FIREMAN'S CREDIT UNION AS OF DECEMBER 31, 2011 WAS OPEN TO THE FIREMEN OF THE CITY OF BIRMINGHAM, ALABAMA AND THEIR FAMILIES, AND CONSISTED OF APPROXIMATELY 825 MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1ALABAMA BANKING CODE, SECTION 5-17-10 STATES THAT, "AT THE ANNUAL MEETING, THE CREDIT UNION SHALL ELECT A BOARD OF DIRECTORS OF NOT LESS THAN FIVE MEMBERS, A CREDIT COMMITTEE OF NOT LESS THAN THREE MEMBERS AND A SUPERVISORY COMMITTEE OF THREE MEMBERS, ALL TO HOLD OFFICE FOR SUCH TERMS RESPECTIVELY AS THE BYLAWS PROVIDE AND UNTIL SUCCESSORS QUALIFY. A RECORD OF THE NAMES AND ADDRESSES OF THE MEMBERS OF THE BOARD AND COMMITTEES AND THE OFFICERS SHALL BE FILED WITH THE ADMINISTRATOR OF THE ALABAMA CREDIT UNION ADMINISTRATION WITHIN 10 DAYS OF THEIR ELECTION. IF, HOWEVER, THE BYLAWS SO PROVIDE, THE BOARD OF DIRECTORS SHALL CARRY OUT THE FUNCTIONS AND DUTIES OF THE CREDIT COMMITTEE AND THE CREDIT UNION SHALL NOT ELECT A CREDIT COMMITTEE." THE BYLAWS OF THE FIREMAN'S CREDIT UNION GOVERNING ELECTIONS ARE AS FOLLOWS: SECTION 1. THE BOARD OF DIRECTORS SHALL CONSIST OF FIVE MEMBERS, ELECTED AS FOLLOWS: FOR THE PURPOSES OF THESE BY-LAWS THE ORGANIZATION MEETING SHALL BE THE FIRST ANNUAL MEETING; THE NEXT ANNUAL MEETING THEREAFTER THE SECOND ANNUAL MEETING; AND THE ANNUAL MEETING FOLLOWING SAID SECOND ANNUAL MEETING, THE THIRD ANNUAL MEETING. THERE SHALL BE FIVE DIRECTORS ELECTED TO SERVE UNTIL THE SECOND ANNUAL MEETING: FIVE DIRECTORS ELECTED TO SERVE UNTIL THE THIRD ANNUAL MEETING; AND FIVE DIRECTORS ELECTED TO SERVE UNTIL THE FOURTH ANNUAL MEETING; THEREAFTER DIRECTORS ELECTED AT THE ANNUAL MEETING SHALL BE ELECTED FOR TERMS OF THREE YEARS, UNLESS THE ELECTION IS TO FILL A VACANCY, IN WHICH EVENT IT SHALL BE FOR THE PERIOD OF UNEXPIRED TERM. NO MEMBER OF THE BOARD OF DIRECTORS SHALL SERVE ON THE CREDIT COMMITTEE OR THE SUPERVISORY COMMITTEE. SECTION 2. A MEETING OF THE FIRST BOARD OF DIRECTORS SHALL BE HELD AS SOON AS MAY BE (AND NOT LATER THAN SEVEN DAYS) AFTER THEIR ELECTION, AND THE NEWLY ELECTED BOARD OF DIRECTORS SHALL MEET WITHIN SEVEN DAYS OF THE ANNUAL MEETING OF THE MEMBERS. AT THEIR FIRST MEETING OF THE DIRECTORS SHALL ELECT FROM THEIR OWN NUMBER, A PRESIDENT, A VICE-PRESIDENT, A SECRETARY AND A TREASURER. THE OFFICES OF SECRETARY AND TREASURER MAY BE HELD BY ONE PERSON. THE BOARD OF DIRECTORS HALL MEET AS OFTEN AS THE BUSINESS OF THE CREDIT UNION MAY REQUIRE, UPON NOTIFICATION BY THE SECRETARY OR UPON WRITTEN CALL SIGNED BY TWO DIRECTORS, THREE MEMBERS SHALL CONSTITUTE A QUORUM. SECTION 3. THE BOARD OF DIRECTORS SHALL HAVE GENERAL MANAGEMENT OF THE AFFAIRS, FUNDS, AND RECORDS OF THE CREDIT UNION. IT SHALL BE THEIR SPECIAL DUTY TO (A) ACT UPON ALL APPLICATIONS FOR MEMBERSHIP AND THE EXPULSION OF MEMBERS; (B) FIX THE AMOUNT OF SURETY BOND OF THE TREASURER AND ANY OTHER HANDLING MONEY; (C) DETERMINE THE RATES OF INTEREST ON LOANS AND DEPOSITS; (D) SELECT A BANK AS DEPOSITORY FOR THE FUNDS OF THE CREDIT UNION; (E) TO BORROW MONEY, IF AUTHORIZED TO DO SO BY THE MEMBERS AT A REGULAR OR SPECIAL MEETING; (F) DECLARE DIVIDENDS IN THE WAY AND MANNER PROVIDED IN THESE BY-LAWS; (G) FIX THE MAXIMUM AMOUNT WHICH MAY BE LOANED TO ANY ONE MEMBER, AND THE MAXIMUM NUMBER OF SHARES AND DEPOSITS WHICH MAY BE HELD BY ANY ONE MEMBER; (H) RECOMMEND AMENDMENTS TO THESE BY-LAWS; (I) FILL VACANCIES IN THE BOARD AND IN THE CREDIT COMMITTEE UNTIL THE ELECTION AND QUALIFICATION OF SUCCESSORS; (J) HAVE CHARGE OF THE INVESTMENT OF FUNDS OF THE CREDIT UNION, OTHER THAN LOANS TO MEMBERS, AND TO PERFORM SUCH OTHER DUTIES AS THE MEMBERS MAY FROM TIME TO TIME AUTHORIZE. SECTION 4. NO OFFICER OR OTHER MEMBER OF THE BOARD OF DIRECTORS, OR MEMBER OF EITHER CREDIT OR SUPERVISORY COMMITTEE, SHALL RECEIVE COMPENSATION FOR HIS SERVICES, EXCEPT THE TREASURER MAY BE PAID IN SUCH AMOUNT AND AT SUCH TIME AS THE MEMBERS, AT AN ANNUAL MEETING, MAY DETERMINE.
IRS990ScheduleO/GeneralExplanation/Explanation2THE FOLLOWING TYPES OF DECISIONS ARE SUBJECT TO APPROVAL BY THE CREDIT UNION'S MEMBERS: DISSOLUTION OF THE CREDIT UNION, ELECTION AND TERMINATION OF BOARD MEMBERS, ELECTION AND TERMINATION OF SUPERVISORY COMMITTEE MEMBERS, CONVERSION FROM STATE TO FEDERAL CHARTER, AND AMENDMENT OF THE BYLAWS.
IRS990ScheduleO/GeneralExplanation/Explanation3MANAGEMENT PERFORMS A REVIEW OF THE FORM 990 PRIOR TO FILING. THE RETURN IS REVIEWED BY THE CREDIT UNION'S BOARD OF DIRECTORS AT A LATER DATE.
IRS990ScheduleO/GeneralExplanation/Explanation4EACH EMPLOYEE'S TRANSACTIONS ARE MONITORED AND APPROVED BY THE BOARD OF DIRECTORS ANNUALLY OR MORE OFTEN IF NEEDED. THE CONFLICT OF INTEREST POLICY IS REVIEWED BY THE BOARD OF DIRECTORS AND EACH EMPLOYEE. THE EMPLOYEE SIGNS AS HIS ACKNOWLEDGEMENT THAT HE OR SHE HAS READ, UNDERSTOOD, AND AGREED TO ABIDE BY THE POLICY.
IRS990ScheduleO/GeneralExplanation/Explanation5COMPENSATION IS DETERMINED BY THE CREDIT UNION'S BOARD OF DIRECTORS
IRS990ScheduleO/GeneralExplanation/Explanation6THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AVAILABLE TO THE PUBLIC UPON REQUEST. FURTHERMORE, THE CREDIT UNION'S FINANCIAL STATEMENTS CAN BE FOUND ON THE WEBSITE OF THE NCUA AT NCUA.GOV.
IRS990ScheduleO/GeneralExplanation/Explanation7ON AN ANNUAL BASIS, THE ALABAMA CREDIT UNION ADMINISTRATION AND/OR THE NATIONAL CREDIT UNION ADMINISTRATION PERFORM A REGULATORY EXAMINATION OF THE FINANCIAL STATEMENTS AND SAFETY AND SOUNDNESS OF THE CREDIT UNION. ADDITIONALLY, THE CREDIT UNION'S FINANCIAL STATEMENTS ARE SUBJECT TO A SUPERVISORY COMMITTEE AUDIT/AGREED UPON PROCEDURES PERFORMED BY AN INDEPENDENT THIRD PARTY AS OF MARCH 31 EACH YEAR.
IRS990ScheduleO/GeneralExplanation/Explanation8THE CREDIT UNION HAS A SUPERVISORY COMMITTEE THAT IS RESPONSIBLE FOR ENSURING THAT THE BOARD OF DIRECTORS AND MANAGEMENT OF THE CREDIT UNION - (1)MEET REQUIRED FINANCIAL REPORTING OBJECTIVES AND (2)ESTABLISH PRACTICES AND PROCEDURES SUFFICIENT TO SAFEGUARD MEMBERS' ASSETS. THIS INCLUDES OVERSEEING ANY ANNUAL FINANCIAL STATEMENT AUDIT/AGREED UPON PROCEDURES AND THE SELECTION OF THE INDEPENDENT AUDITOR/ACCOUNTANT.
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IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/GeneralExplanation/ReturnReference7FORM 990, PART XII, LINE 2B:
IRS990ScheduleO/GeneralExplanation/ReturnReference8FORM 990, PART XII, LINE 2C:
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IRS990/TotalExpensesCurrentYear0229534
IRS990/TotalExpensesPriorYear0236351
IRS990/TotalFunctionalExpenses/Total0229534
IRS990/TotalFundrsngExpCurrentYear00
IRS990/TotalGrossUBI00
IRS990/TotalLiabilities/BOY03083760
IRS990/TotalLiabilitiesBOY03083760
IRS990/TotalLiabilities/EOY03098498
IRS990/TotalLiabilitiesEOY03098498
IRS990/TotalLiabNetAssetsFundBalances/BOY03776241
IRS990/TotalLiabNetAssetsFundBalances/EOY03914106
IRS990/TotalNbrEmployees03
IRS990/TotalNbrVolunteers010
IRS990/TotalNetAssetsFundBalances/BOY0692481
IRS990/TotalNetAssetsFundBalances/EOY0815608
IRS990/TotalOtherCompensation00
IRS990/TotalProfFundrsngExpCY00
IRS990/TotalProfFundrsngExpPriorYear00
IRS990/TotalProgramServiceExpense0229534
IRS990/TotalProgramServiceRevenue0352661
IRS990/TotalReportableCompFrmRltdOrgs00
IRS990/TotalReportableCompFromOrg028600
IRS990/TotalRevenueCurrentYear0352661
IRS990/TotalRevenue/ExclusionAmount00
IRS990/TotalRevenuePriorYear0325979
IRS990/TotalRevenue/RelatedOrExemptFunctionIncome0352661
IRS990/TotalRevenue/TotalRevenueColumn0352661
IRS990/TotalRevenue/UnrelatedBusinessRevenue00
IRS990/TransactionRelatedEntity00
IRS990/TypeOfOrganizationOther0X
IRS990/TypeOfOrgOtherDescription0STATE CHARTERED COOPERATIVE CREDIT UNION
IRS990/UnrelatedBusinessIncome00
IRS990/UponRequest0X
IRS990/WebSite0N/A
IRS990/WhistleblowerPolicy00
IRS990/YearFormation01929
ReturnHeader/BuildTS02016-02-24 21:20:13Z
ReturnHeader/Filer/EIN0630021945
ReturnHeader/Filer/Name/BusinessNameLine10FIREMANS CREDIT UNION
ReturnHeader/Filer/NameControl0CRED
ReturnHeader/Filer/Phone02052526083
ReturnHeader/Filer/USAddress/AddressLine101808 7TH AVENUE NORTH
ReturnHeader/Filer/USAddress/City0BIRMINGHAM
ReturnHeader/Filer/USAddress/State0AL
ReturnHeader/Filer/USAddress/ZIPCode035203
ReturnHeader/Officer/AuthorizeThirdParty01
ReturnHeader/Officer/DateSigned02012-05-11
ReturnHeader/Officer/Name0TONY MANZELLA
ReturnHeader/Officer/Phone02052526083
ReturnHeader/Officer/Title0MANAGER
ReturnHeader/Preparer/DatePrepared02012-05-08
ReturnHeader/PreparerFirm/EIN0630813240
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine10PEARCE BEVILL LEESBURG MOORE PC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine10110 OFFICE PARK DR SUITE 100
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City0BIRMINGHAM
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State0AL
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode035223
ReturnHeader/Preparer/Name0W GLENN BRIDGES
ReturnHeader/Preparer/Phone02053235440
ReturnHeader/ReturnType0990
ReturnHeader/TaxPeriodBeginDate02011-01-01
ReturnHeader/TaxPeriodEndDate02011-12-31
ReturnHeader/TaxYear02011
ReturnHeader/Timestamp02012-05-11T10:15:33-05:00

Document Assets

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Filings

Displayed year

2011 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$3,914,106
Liabilities
$3,098,498
Net assets
$815,608
Revenue
-
Expenses
$229,534
Net income
-
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.97$4.43$2.54$0.38$0.31$0.07
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.12$4.65$2.47$0.37$0.27$0.10
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.13$4.76$2.38$0.33$0.24$0.09
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.12$4.84$2.29$0.33$0.22$0.11
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.65$4.48$2.17$0.38$0.24$0.14
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.38$4.34$2.03$0.40$0.24$0.15
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.82$3.94$1.88$0.40$0.23$0.17
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.52$3.80$1.71$0.38$0.20$0.18
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.16$3.63$1.53$0.37$0.21$0.16
2015Detailed filing. Detailed filing data is available for this year.$4.86$3.49$1.37$0.36$0.23$0.14
2014Detailed filing. Detailed filing data is available for this year.$4.71$3.47$1.23$0.36$0.23$0.13
2013Detailed filing. Detailed filing data is available for this year.$4.37$3.26$1.11$0.35$0.22$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.21$3.24$0.98$0.21
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.91$3.10$0.82$0.23
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.78$3.08$0.69$0.24