Civic Intelligence

Fire Fighters Credit Union

990 • Fiscal year 2015 • EIN 73-0528996

Jan 01, 2015 to Dec 31, 2015 • Filed on Mar 18, 2016

9200 E 41st STTulsa, OK 74145

(918) 582-1191

Siviq Scores

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

Liabilities / Assets

23rd percentile

0.84x

Higher debt load relative to assets than 23% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Liabilities / Revenue

19th percentile

15.94x

Higher debt load relative to revenue than 19% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Net Margin

60th percentile

10%

Higher net margin than 60% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Top Officer Pay

86th percentile

$139,925

Higher top officer pay than 86% of similar nonprofits.

Top officer pay equals 7.1% of source-year revenue.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2015

Asset Growth

67th percentile

5.0%

Faster asset growth than 67% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Revenue Growth

74th percentile

4.9%

Faster revenue growth than 74% of similar nonprofits.

2015 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2014 to 2015

Assets

Up

$37,143,239

Up $1,777,488 (+5.0%) from 2014

Net Assets

Up

$5,815,722

Up $200,740 (+3.6%) from 2014

Liabilities

Up

$31,327,517

Up $1,576,748 (+5.3%) from 2014

Revenue

Up

$1,965,520

Up $90,984 (+4.9%) from 2014

Expenses

Up

$1,764,780

Up $97,340 (+5.8%) from 2014

Net Income

Down

$200,740

Down $6,356 (-3.1%) from 2014

Historical Trend

Balance Sheet Trend

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

$60M$40M$20M$0Assets 2010: $30,092,070Liabilities 2010: $25,085,331Net Assets 2010: $5,006,7392010Assets 2011: $33,338,981Liabilities 2011: $28,199,388Net Assets 2011: $5,139,5932011Assets 2012: $34,217,529Liabilities 2012: $28,933,693Net Assets 2012: $5,283,8362012Assets 2013: $34,791,840Liabilities 2013: $29,383,954Net Assets 2013: $5,407,8862013Assets 2014: $35,365,751Liabilities 2014: $29,750,769Net Assets 2014: $5,614,9822014Assets 2015: $37,143,239Liabilities 2015: $31,327,517Net Assets 2015: $5,815,7222015Assets 2016: $37,783,264Liabilities 2016: $31,860,418Net Assets 2016: $5,922,8462016Assets 2017: $38,272,604Liabilities 2017: $32,211,472Net Assets 2017: $6,061,1322017Assets 2018: $37,861,744Liabilities 2018: $31,666,154Net Assets 2018: $6,195,5902018Assets 2019: $38,086,546Liabilities 2019: $31,458,113Net Assets 2019: $6,628,4332019Assets 2020: $41,661,295Liabilities 2020: $34,829,494Net Assets 2020: $6,831,8012020Assets 2021: $42,787,595Liabilities 2021: $35,834,474Net Assets 2021: $6,953,1212021Assets 2022: $46,607,849Liabilities 2022: $39,202,469Net Assets 2022: $7,405,3802022Assets 2023: $43,587,151Liabilities 2023: $35,635,079Net Assets 2023: $7,952,0722023Assets 2024: $45,491,363Liabilities 2024: $36,828,220Net Assets 2024: $8,663,1432024

Highlighted filing

2015

Assets$37,143,239
Liabilities$31,327,517
Net Assets$5,815,722

Operations Trend

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,946,0862010Expenses 2011: $1,724,6202011Revenue 2012: $1,842,887Expenses 2012: $1,698,644Net Income 2012: $144,2432012Revenue 2013: $1,759,673Expenses 2013: $1,635,623Net Income 2013: $124,0502013Revenue 2014: $1,874,536Expenses 2014: $1,667,440Net Income 2014: $207,0962014Revenue 2015: $1,965,520Expenses 2015: $1,764,780Net Income 2015: $200,7402015Revenue 2016: $2,022,038Expenses 2016: $1,914,914Net Income 2016: $107,1242016Revenue 2017: $2,092,935Expenses 2017: $1,954,649Net Income 2017: $138,2862017Revenue 2018: $2,234,370Expenses 2018: $2,099,911Net Income 2018: $134,4592018Revenue 2019: $2,313,233Expenses 2019: $1,880,390Net Income 2019: $432,8432019Revenue 2020: $2,124,347Expenses 2020: $1,920,979Net Income 2020: $203,3682020Revenue 2021: $1,939,110Expenses 2021: $1,817,784Net Income 2021: $121,3262021Revenue 2022: $2,409,297Expenses 2022: $1,957,038Net Income 2022: $452,2592022Revenue 2023: $2,813,181Expenses 2023: $2,266,488Net Income 2023: $546,6932023Revenue 2024: $3,026,134Expenses 2024: $2,506,123Net Income 2024: $520,0112024

Highlighted filing

2015

Revenue$1,965,520
Expenses$1,764,780
Net Income$200,740
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Mar 18, 2016
Return Version
2015v2.1
Gross Receipts
$1,965,521
Mission and Program Overview

Mission

Credit Union

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,066,567$20,372,448▲ $1,305,881
Investments Other Securities$7,653,346$8,491,615▲ $838,269
Savings and Temporary Cash Investments$6,743,321$6,294,936▼ $448,385
Land, Buildings, and Equipment, Net$1,462,523$1,469,107▲ $6,584
Cash and Non-Interest-Bearing Accounts$301,650$363,227▲ $61,577
Prepaid Expenses and Deferred Charges$145,892$146,471▲ $579
Total Assets$35,365,751$37,143,239▲ $1,777,488
Other Assets Total$-7,548$5,435▲ $12,983
Liabilities
Other Liabilities$29,302,605$30,694,126▲ $1,391,521
Accounts Payable and Accrued Expenses$448,164$633,391▲ $185,227
Total Liabilities$29,750,769$31,327,517▲ $1,576,748
Net Assets / Fund Balance
Unrestricted Net Assets$5,614,982$5,815,722▲ $200,740
Permanently Rstr Net Assets$0$0→ $0
Temporarily Rstr Net Assets$0$0→ $0
Total Net Assets Fund Balance$5,614,982$5,815,722▲ $200,740
Total Liabilities and Net Assets / Fund Balance$35,365,751$37,143,239▲ $1,777,488

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$828,641$364,617$0
Other Land Buildings$0$0$0
Land$517,692-$0
Equipment$122,774$245,019$0
Leasehold Improvements$0$0$0
Other Securities$169,527--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Frances ReedCEOFT$139,925$139,925

Board Members and Trustees

NameTitle
Bill GoswickBoard Member
Gary RichardvilleBoard Member
Gordon GingrichBoard Member
James WalkerBoard Member
Janet MooreBoard Member
Redell BrownBoard Member
Renee ProfittBoard Member
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,880,711
Investment Income
$84,809
Other Revenue
$0
Change in Net Assets
$200,740
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$913,580
Other Expenses$746,523
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$726,920
Office Expenses---$275,328
Information Technology---$152,927
Benefits to Members---$104,677
Other Employee Benefits---$96,693
Depreciation Depletion---$65,430
Occupancy---$62,074
Payroll Taxes---$53,807
Fees for Services Other---$43,615
Insurance---$36,272
Pension Plan Contributions---$36,160
Travel---$18,639
Fees for Services Legal---$18,125
Advertising---$11,761
Other Expenses---$2,400
Total Functional Expenses$0$0$0$1,764,780
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
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
Membership Shares$30,694,126
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 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
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

Credit union is member owned

Form 990, Part VI, Section A, Line 7A

Members elect board of directors

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

Taxes prepared from financial statements that have been reviewed by board of directors

Form 990, Part VI, Section B, Line 12C

An auditor oversees yearly the compliance of all policy's

Form 990, Part VI, Section C, Line 19

Governing documents and other documents are available to the public upon request, financial statements are posted monthly

Filing and Contact Details

Filer

Filer Name
Fire Fighters Credit Union
EIN
73-0528996
Phone
9185821191
Address
9200 E 41st ST, Tulsa, OK 74145

Signing Officer

Name
Tim White
Title
CFO
Phone
9185821191
Signed
2016-03-18

Organization Details

Principal Officer
Frances Reed
Formed
1933
Legal Domicile
Ok
Voting Board Members
7
Independent Board Members
7
Employees
12
Volunteers
7
Raw XML AppendixShowing 400 of 446 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/ProgramServiceRevenueGrp/Desc1SHARE DRAFT ACTIVITY FEE'S
IRS990/ProgramServiceRevenueGrp/Desc2DEBIT CARD INCOME
IRS990/ProgramServiceRevenueGrp/Desc3LOAN FEE'S
IRS990/ProgramServiceRevenueGrp/Desc4INSURANCE FEE'S
IRS990/ProgramServiceRevenueGrp/ExclusionAmt01333736
IRS990/ProgramServiceRevenueGrp/ExclusionAmt1295911
IRS990/ProgramServiceRevenueGrp/ExclusionAmt2150795
IRS990/ProgramServiceRevenueGrp/ExclusionAmt373347
IRS990/ProgramServiceRevenueGrp/ExclusionAmt426922
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt40
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01333736
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1295911
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2150795
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt373347
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt426922
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt0102866
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt059376
IRS990/PYOtherExpensesAmt0698343
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01815160
IRS990/PYRevenuesLessExpensesAmt0207096
IRS990/PYSalariesCompEmpBnftPaidAmt0866231
IRS990/PYTotalExpensesAmt01667440
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01874536
IRS990/ReconcilationRevenueExpnssAmt0200740
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01961026
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt06743321
IRS990/SavingsAndTempCashInvstGrp/EOYAmt06294936
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0828641
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0364617
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt01193258
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt0122774
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0245019
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt0367793
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/FederalIncomeTaxLiabilityAmt00
IRS990ScheduleD/LandGrp/BookValueAmt0517692
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt0517692
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt030694126
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERSHIP SHARES
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt045277
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt18002000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2274811
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3169527
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CATAYLST CORP MEMBER CAPITAL SHARES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc2NCUSIF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3FEDERAL RESERVE BANK
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01469107
IRS990ScheduleD/TotalBookValueSecuritiesAmt08491615
IRS990ScheduleD/TotalLiabilityAmt030694126
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CREDIT UNION IS MEMBER OWNED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2TAXES PREPARED FROM FINANCIAL STATEMENTS THAT HAVE BEEN REVIEWED BY BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3AN AUDITOR OVERSEES YEARLY THE COMPLIANCE OF ALL POLICY'S
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS AND OTHER DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST, FINANCIAL STATEMENTS ARE POSTED MONTHLY
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0OK
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt00
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt035365751
IRS990/TotalAssetsEOYAmt037143239
IRS990/TotalAssetsGrp/BOYAmt035365751
IRS990/TotalAssetsGrp/EOYAmt037143239
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt012
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01764780
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt029750769
IRS990/TotalLiabilitiesEOYAmt031327517
IRS990/TotalLiabilitiesGrp/BOYAmt029750769
IRS990/TotalLiabilitiesGrp/EOYAmt031327517
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05614982
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt05815722
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOtherProgSrvcExpenseAmt00
IRS990/TotalOtherProgSrvcGrantAmt00
IRS990/TotalOtherProgSrvcRevenueAmt00
IRS990/TotalOthProgramServiceRevGrp/ExclusionAmt00

Document Assets

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Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$45.5$36.8$8.66$3.03$2.51$0.52
2023Detailed filing. Detailed filing data is available for this year.$43.6$35.6$7.95$2.81$2.27$0.55
2022Detailed filing. Detailed filing data is available for this year.$46.6$39.2$7.41$2.41$1.96$0.45
2021Detailed filing. Detailed filing data is available for this year.$42.8$35.8$6.95$1.94$1.82$0.12
2020Detailed filing. Detailed filing data is available for this year.$41.7$34.8$6.83$2.12$1.92$0.20
2019Detailed filing. Detailed filing data is available for this year.$38.1$31.5$6.63$2.31$1.88$0.43
2018Detailed filing. Detailed filing data is available for this year.$37.9$31.7$6.20$2.23$2.10$0.13
2017Detailed filing. Detailed filing data is available for this year.$38.3$32.2$6.06$2.09$1.95$0.14
2016Detailed filing. Detailed filing data is available for this year.$37.8$31.9$5.92$2.02$1.91$0.11
2015Detailed filing. Detailed filing data is available for this year.$37.1$31.3$5.82$1.97$1.76$0.20
2014Detailed filing. Detailed filing data is available for this year.$35.4$29.8$5.61$1.87$1.67$0.21
2013Detailed filing. Detailed filing data is available for this year.$34.8$29.4$5.41$1.76$1.64$0.12
2012Summary only. Only limited summary data is available for this year.$34.2$28.9$5.28$1.84$1.70$0.14
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$33.3$28.2$5.14$1.72
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$30.1$25.1$5.01$1.95
Peer Organizations

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