Civic Intelligence

Firefighters Credit Union

990 • Fiscal year 2020 • EIN 87-0172462

Jan 01, 2020 to Dec 31, 2020 • Filed on Oct 11, 2021

Organization ProfileWWW.FIREFIGHTERSCU.COM

View Organization Page

124 West 1400 South Suite 101Salt Lake City, UT 84115

(801) 487-3219

Siviq Scores

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

Liabilities / Assets

54th percentile

0.89x

Higher debt load relative to assets than 54% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Liabilities / Revenue

50th percentile

20.52x

Higher debt load relative to revenue than 50% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Net Margin

35th percentile

6.1%

Higher net margin than 35% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Top Officer Pay

50th percentile

$144,743

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 6.6% of source-year revenue.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2020

Asset Growth

35th percentile

13%

Faster asset growth than 35% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Revenue Growth

71st percentile

0.6%

Faster revenue growth than 71% of similar nonprofits.

2020 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2019 to 2020

Balance Sheet
Liabilities / Assets54th percentile

Assets

Up

$50,696,583

Up $5,732,576 (+13%) from 2019

Net Assets

Up

$5,379,393

Up $134,712 (+2.6%) from 2019

Liabilities

Up

$45,317,190

Up $5,597,864 (+14%) from 2019

Revenue And Expenses
Liabilities / Revenue50th percentileNet Margin35th percentile

Revenue

Up

$2,208,158

Up $12,871 (+0.6%) from 2019

Expenses

Up

$2,073,446

Up $118,416 (+6.1%) from 2019

Net Income

Down

$134,712

Down $105,545 (-44%) from 2019

Historical Trend

Balance Sheet Trend

Asset Growth35th percentile

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

$80M$60M$40M$20M$0Assets 2016: $37,600,820Liabilities 2016: $33,070,256Net Assets 2016: $4,530,5642016Assets 2017: $41,837,095Liabilities 2017: $37,141,815Net Assets 2017: $4,695,2802017Assets 2018: $45,585,725Liabilities 2018: $40,581,301Net Assets 2018: $5,004,4242018Assets 2019: $44,964,007Liabilities 2019: $39,719,326Net Assets 2019: $5,244,6812019Assets 2020: $50,696,583Liabilities 2020: $45,317,190Net Assets 2020: $5,379,3932020Assets 2021: $55,359,381Liabilities 2021: $49,688,693Net Assets 2021: $5,670,6882021Assets 2022: $59,236,814Liabilities 2022: $53,258,357Net Assets 2022: $5,978,4572022Assets 2023: $59,456,487Liabilities 2023: $53,359,441Net Assets 2023: $6,097,0462023Assets 2024: $61,629,716Liabilities 2024: $54,584,670Net Assets 2024: $7,045,0462024

Highlighted filing

2020

Assets$50,696,583
Liabilities$45,317,190
Net Assets$5,379,393
Open 2020 Filing

Operations Trend

Revenue Growth71st percentile

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

$6.0M$4.0M$2.0M$0Revenue 2016: $1,576,062Expenses 2016: $1,414,788Net Income 2016: $161,2742016Revenue 2017: $1,715,978Expenses 2017: $1,551,262Net Income 2017: $164,7162017Revenue 2018: $2,060,291Expenses 2018: $1,751,147Net Income 2018: $309,1442018Revenue 2019: $2,195,287Expenses 2019: $1,955,030Net Income 2019: $240,2572019Revenue 2020: $2,208,158Expenses 2020: $2,073,446Net Income 2020: $134,7122020Revenue 2021: $2,151,322Expenses 2021: $1,860,027Net Income 2021: $291,2952021Revenue 2022: $2,227,287Expenses 2022: $1,919,518Net Income 2022: $307,7692022Revenue 2023: $2,626,945Expenses 2023: $2,431,569Net Income 2023: $195,3762023Revenue 2024: $4,442,368Expenses 2024: $3,494,368Net Income 2024: $948,0002024

Highlighted filing

2020

Revenue$2,208,158
Expenses$2,073,446
Net Income$134,712
Open 2020 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 11, 2021
Return Version
2020v4.0
Gross Receipts
$2,208,158
Mission and Program Overview

Mission

To encourage thrift among its members, to create sources of credit at fair and reasonable rates of interest, and to provide an opportunity for its members to use and control their resources on a democratic basis in order to improve their economic and social conditions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$33,049,620$37,374,071▲ $4,324,451
Savings and Temporary Cash Investments$9,970,929$11,444,716▲ $1,473,787
Land, Buildings, and Equipment, Net$977,779$968,354▼ $9,425
Cash and Non-Interest-Bearing Accounts$166,930$175,517▲ $8,587
Prepaid Expenses and Deferred Charges$101,767$0▼ $101,767
Accounts Receivable-$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$44,964,007$50,696,583▲ $5,732,576
Other Assets Total$696,982$733,925▲ $36,943
Liabilities
Other Liabilities$39,634,092$45,230,026▲ $5,595,934
Accounts Payable and Accrued Expenses$85,234$87,164▲ $1,930
Total Liabilities$39,719,326$45,317,190▲ $5,597,864
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,144,681$2,979,393▼ $165,288
Net Assets With Donor Restrictions$2,100,000$2,400,000▲ $300,000
Total Net Assets Fund Balance$5,244,681$5,379,393▲ $134,712
Total Liabilities and Net Assets / Fund Balance$44,964,007$50,696,583▲ $5,732,576

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$531,799$213,131$744,930
Equipment$343,899$96,780$440,679
Other Land Buildings$31,823$42,942$74,765
Leasehold Improvements$40,833$7,239$48,072
Land$20,000-$20,000
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Thomas GourdinPresidentFT$144,743$144,743

Board Members and Trustees

NameTitle
Clair BaldwinDirector
Dawayne CoombsDirector
Eldon FarnsworthDirector
Gina BellDirector
Greg RyndersDirector
Jeremy CraftDirector
Marc MacelreathDirector
Ron MorrisDirector
Steve DemasDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,111,750
Investment Income
$96,408
Other Revenue
$0
Change in Net Assets
$134,712
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,276,599
Salaries, Compensation, and Employee Benefits$796,847
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$652,104--$652,104
Office Expenses$391,217--$391,217
Current Officers, Directors, Trustees, and Key Employees---$144,743
All Other Expenses$111,813--$111,813
Occupancy$70,624--$70,624
Other Expenses$68,908--$68,908
Travel$1,787--$1,787
Total Functional Expenses$1,928,703$0$0$2,073,446
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
Regular Shares$18,177,814
Share Certificates$9,694,118
Share Drafts$9,468,247
Money Market Shares$3,158,385
Other Shares$2,767,221
Ira Accounts$1,964,239
Rounding$2
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
Yes
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, Line 6: Explanation of Classes of Members or Shareholder

“Members of the credit union are required to maintain at least $25 in a share account at all times to qualify for membership.”

Form 990, Part VI, Line 11B: Form 990 Review Process

“The president of the credit union, thomas gourdin, performed a review of the form 990 before it was filed with the internal revenue service.”

Form 990, Part VI, Line 15A: Compensation Review & Approval Process - CEO, Top Management

“The board of directors reviews the salary range, and the actual salary of the ceo on an annual basis. The salary range is compared to like sized credit union's. If warranted, the board approves changes to the ceo's salary, and to the salary range for the position of ceo.”

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

“The organization posts financial information in its office and on ncua.gov.”

Filing and Contact Details

Filer

Filer Name
Firefighters Credit Union
EIN
87-0172462
Phone
8014873219
Address
124 WEST 1400 SOUTH SUITE 101, SALT LAKE CITY, UT 84115

Signing Officer

Name
Thomas R Gourdin
Title
President
Signed
2021-10-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Thomas R Gourdin
Formed
1929
Legal Domicile
Ut
Voting Board Members
9
Independent Board Members
9
Employees
11
Volunteers
12

Preparer

Firm
Dickson and Company Inc
Address
455 East 500 South Suite 400, Salt Lake City, UT 84106
Preparer
Russell Dickson
Phone
8018596545
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IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11571904
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IRS990/PYProgramServiceRevenueAmt02049449
IRS990/PYRevenuesLessExpensesAmt0240257
IRS990/PYSalariesCompEmpBnftPaidAmt0777270
IRS990/PYTotalExpensesAmt01955030
IRS990/PYTotalRevenueAmt02195287
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0134712
IRS990/RegularMonitoringEnfrcInd0true
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990ScheduleD/EquipmentGrp/BookValueAmt0343899
IRS990ScheduleD/EquipmentGrp/DepreciationAmt096780
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0440679
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt59694118
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5SHARE CERTIFICATES
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE CREDIT UNION ARE REQUIRED TO MAINTAIN AT LEAST $25 IN A SHARE ACCOUNT AT ALL TIMES TO QUALIFY FOR MEMBERSHIP.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE PRESIDENT OF THE CREDIT UNION, THOMAS GOURDIN, PERFORMED A REVIEW OF THE FORM 990 BEFORE IT WAS FILED WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS REVIEWS THE SALARY RANGE, AND THE ACTUAL SALARY OF THE CEO ON AN ANNUAL BASIS. THE SALARY RANGE IS COMPARED TO LIKE SIZED CREDIT UNION'S. IF WARRANTED, THE BOARD APPROVES CHANGES TO THE CEO'S SALARY, AND TO THE SALARY RANGE FOR THE POSITION OF CEO.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE ORGANIZATION POSTS FINANCIAL INFORMATION IN ITS OFFICE AND ON NCUA.GOV.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 15a: Compensation Review & Approval Process - CEO, Top Management
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0THOMAS R GOURDIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02021-10-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FIREFIGHTERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FIRE
ReturnHeader/Filer/EIN0870172462
ReturnHeader/Filer/PhoneNum08014873219
ReturnHeader/Filer/USAddress/AddressLine1Txt0124 WEST 1400 SOUTH SUITE 101
ReturnHeader/Filer/USAddress/CityNm0SALT LAKE CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0UT
ReturnHeader/Filer/USAddress/ZIPCd084115
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0260476748
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DICKSON AND COMPANY INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0455 East 500 South Suite 400
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Salt Lake City
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0UT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd084106
ReturnHeader/PreparerPersonGrp/PhoneNum08018596545
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Russell Dickson
ReturnHeader/ReturnTs02021-10-11T13:47:01-07:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0THOMAS R

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2020 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$50,696,583
Liabilities
$45,317,190
Net assets
$5,379,393
Revenue
$2,208,158
Expenses
$2,073,446
Net income
$134,712
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$61.6$54.6$7.05$4.44$3.49$0.95
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$59.5$53.4$6.10$2.63$2.43$0.20
2022Detailed filing. Detailed filing data is available for this year.$59.2$53.3$5.98$2.23$1.92$0.31
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$55.4$49.7$5.67$2.15$1.86$0.29
2020Detailed filing. Detailed filing data is available for this year.$50.7$45.3$5.38$2.21$2.07$0.13
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.0$39.7$5.24$2.20$1.96$0.24
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$45.6$40.6$5.00$2.06$1.75$0.31
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$41.8$37.1$4.70$1.72$1.55$0.16
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$37.6$33.1$4.53$1.58$1.41$0.16