Civic Intelligence

Firefighters Credit Union

990 • Fiscal year 2021 • EIN 87-0172462

Jan 01, 2021 to Dec 31, 2021 • Filed on Sep 01, 2022

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

56th percentile

0.90x

Higher debt load relative to assets than 56% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Liabilities / Revenue

53rd percentile

23.10x

Higher debt load relative to revenue than 53% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Net Margin

50th percentile

14%

Higher net margin than 50% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Top Officer Pay

59th percentile

$151,475

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 7.0% of source-year revenue.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2021

Asset Growth

48th percentile

9.2%

Faster asset growth than 48% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Revenue Growth

39th percentile

-2.6%

Faster revenue growth than 39% of similar nonprofits.

2021 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets56th percentile

Assets

Up

$55,359,381

Up $4,662,798 (+9.2%) from 2020

Net Assets

Up

$5,670,688

Up $291,295 (+5.4%) from 2020

Liabilities

Up

$49,688,693

Up $4,371,503 (+9.6%) from 2020

Revenue And Expenses
Liabilities / Revenue53rd percentileNet Margin50th percentile

Revenue

Down

$2,151,322

Down $56,836 (-2.6%) from 2020

Expenses

Down

$1,860,027

Down $213,419 (-10%) from 2020

Net Income

Up

$291,295

Up $156,583 (+116%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth48th 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

2021

Assets$55,359,381
Liabilities$49,688,693
Net Assets$5,670,688
Open 2021 Filing

Operations Trend

Revenue Growth39th 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

2021

Revenue$2,151,322
Expenses$1,860,027
Net Income$291,295
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Sep 1, 2022
Return Version
2021v4.0
Gross Receipts
$2,151,322
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$37,374,071$41,015,023▲ $3,640,952
Savings and Temporary Cash Investments$11,444,716$12,566,085▲ $1,121,369
Land, Buildings, and Equipment, Net$968,354$856,179▼ $112,175
Cash and Non-Interest-Bearing Accounts$175,517$153,137▼ $22,380
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-
Prepaid Expenses and Deferred Charges-$0-
Total Assets$50,696,583$55,359,381▲ $4,662,798
Other Assets Total$733,925$768,957▲ $35,032
Liabilities
Other Liabilities$45,230,026$49,607,974▲ $4,377,948
Accounts Payable and Accrued Expenses$87,164$80,719▼ $6,445
Total Liabilities$45,317,190$49,688,693▲ $4,371,503
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,979,393$2,970,688▼ $8,705
Net Assets With Donor Restrictions$2,400,000$2,700,000▲ $300,000
Total Net Assets Fund Balance$5,379,393$5,670,688▲ $291,295
Total Liabilities and Net Assets / Fund Balance$50,696,583$55,359,381▲ $4,662,798

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$506,967$237,963$744,930
Equipment$270,314$150,059$420,373
Other Land Buildings$25,267$49,498$74,765
Leasehold Improvements$33,631$14,441$48,072
Land$20,000-$20,000
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Thomas GourdinPresidentFT$151,475$151,475

Board Members and Trustees

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

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,064,404
Investment Income
$86,918
Other Revenue
$0
Change in Net Assets
$291,295
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,092,077
Salaries, Compensation, and Employee Benefits$767,950
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$616,475--$616,475
Occupancy$401,904--$401,904
Current Officers, Directors, Trustees, and Key Employees---$151,475
Office Expenses$68,397--$68,397
All Other Expenses$64,889--$64,889
Other Expenses$30,304--$30,304
Travel$2,903--$2,903
Total Functional Expenses$1,708,552$0$0$1,860,027
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$21,946,658
Share Drafts$9,483,380
Share Certificates$9,148,312
Money Market Shares$3,872,463
Other Shares$3,207,572
Ira Accounts$1,949,588
Rounding$1
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
2022-09-01
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
10
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/OtherExpensesGrp/Desc1DIVIDENDS ON SHARES
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IRS990/OtherExpensesGrp/Desc3INTEREST ON DEPOSITS
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IRS990/OtherExpensesGrp/ProgramServicesAmt1237021
IRS990/OtherExpensesGrp/ProgramServicesAmt241290
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IRS990/OtherExpensesGrp/TotalAmt1237021
IRS990/OtherExpensesGrp/TotalAmt241290
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IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11554731
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11554731
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IRS990/PYInvestmentIncomeAmt096408
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt01276599
IRS990/PYProgramServiceRevenueAmt02111750
IRS990/PYRevenuesLessExpensesAmt0134712
IRS990/PYSalariesCompEmpBnftPaidAmt0796847
IRS990/PYTotalExpensesAmt02073446
IRS990/PYTotalRevenueAmt02208158
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0291295
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
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IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
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IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
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IRS990/SavingsAndTempCashInvstGrp/EOYAmt012566085
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IRS990ScheduleD/BuildingsGrp/DepreciationAmt0237963
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0744930
IRS990ScheduleD/EquipmentGrp/BookValueAmt0270314
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0150059
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0420373
IRS990ScheduleD/LandGrp/BookValueAmt020000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt020000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt033631
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt014441
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt048072
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt025267
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt049498
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt074765
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt59148312
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt69483380
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1MONEY MARKET SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2OTHER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Rounding
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6SHARE DRAFTS
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IRS990ScheduleD/TotalLiabilityAmt049607974
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IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0151475
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0THOMAS GOURDIN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0151475
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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/TotalRevenueGrp/TotalRevenueColumnAmt02151322
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt055359381
IRS990/TravelGrp/ProgramServicesAmt02903
IRS990/TravelGrp/TotalAmt02903
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.FIREFIGHTERSCU.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/FederatedAssuranceLevelCd0FAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd02
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0THOMAS R GOURDIN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-09-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FIREFIGHTERS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0FIRE
ReturnHeader/Filer/EIN0870172462
ReturnHeader/Filer/PhoneNum08014873219
ReturnHeader/Filer/USAddress/AddressLine1Txt0124 WEST 1400 SOUTH SUITE 101

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$55,359,381
Liabilities
$49,688,693
Net assets
$5,670,688
Revenue
$2,151,322
Expenses
$1,860,027
Net income
$291,295
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
2021Detailed filing. Detailed filing data is available for this year.$55.4$49.7$5.67$2.15$1.86$0.29
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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