Civic Intelligence

Credit Unions Chartered in the State of Utah

990 • Fiscal year 2023 • EIN 87-0172462

Jan 01, 2023 to Dec 31, 2023 • Filed on Aug 23, 2024

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

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Liabilities / Revenue

76th percentile

20.31x

Higher debt load relative to revenue than 76% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Net Margin

30th percentile

7.4%

Higher net margin than 30% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Top Officer Pay

63rd percentile

$173,159

Higher top officer pay than 63% of similar nonprofits.

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

2023 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2023

Asset Growth

69th percentile

0.4%

Faster asset growth than 69% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Revenue Growth

41st percentile

18%

Faster revenue growth than 41% of similar nonprofits.

2023 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$59,456,487

Up $219,673 (+0.4%) from 2022

Net Assets

Up

$6,097,046

Up $118,589 (+2.0%) from 2022

Liabilities

Up

$53,359,441

Up $101,084 (+0.2%) from 2022

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin30th percentile

Revenue

Up

$2,626,945

Up $399,658 (+18%) from 2022

Expenses

Up

$2,431,569

Up $512,051 (+27%) from 2022

Net Income

Down

$195,376

Down $112,393 (-37%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth69th 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

2023

Assets$59,456,487
Liabilities$53,359,441
Net Assets$6,097,046
Open 2023 Filing

Operations Trend

Revenue Growth41st 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

2023

Revenue$2,626,945
Expenses$2,431,569
Net Income$195,376
Open 2023 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Aug 23, 2024
Return Version
2023v5.1
Gross Receipts
$2,626,945
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$45,120,886$45,638,871▲ $517,985
Savings and Temporary Cash Investments$12,291,601$12,306,609▲ $15,008
Land, Buildings, and Equipment, Net$772,844$705,301▼ $67,543
Cash and Non-Interest-Bearing Accounts$151,919$148,170▼ $3,749
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$59,236,814$59,456,487▲ $219,673
Other Assets Total$899,564$657,536▼ $242,028
Liabilities
Other Liabilities$53,191,241$53,302,658▲ $111,417
Accounts Payable and Accrued Expenses$67,116$56,783▼ $10,333
Total Liabilities$53,258,357$53,359,441▲ $101,084
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$2,978,457$3,097,046▲ $118,589
Net Assets With Donor Restrictions$3,000,000$3,000,000→ $0
Total Net Assets Fund Balance$5,978,457$6,097,046▲ $118,589
Total Liabilities and Net Assets / Fund Balance$59,236,814$59,456,487▲ $219,673

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$457,305$287,625$744,930
Equipment$191,042$285,503$476,545
Other Land Buildings$17,727$57,038$74,765
Leasehold Improvements$19,227$28,845$48,072
Land$20,000-$20,000
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Thomas GourdinPresidentFT$173,159$173,159
Gary McmullinVice PresidentFT$114,818$114,818

Board Members and Trustees

NameTitle
Brad WardleDirector
Clair BaldwinDirector
Dawayne CoombsDirector
Eldon FarnsworthDirector
Gina BellDirector
Greg RyndersDirector
Jeremy CraftDirector
Ken DaileyDirector
Marc MacelreathDirector
Marty PetersonDirector
Paul SullivanDirector
Reed StringamDirector
Ron MorrisDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,400,013
Investment Income
$226,932
Other Revenue
$0
Change in Net Assets
$195,376
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,581,961
Salaries, Compensation, and Employee Benefits$849,608
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$561,631--$561,631
Office Expenses$379,042--$379,042
Current Officers, Directors, Trustees, and Key Employees$287,977--$287,977
Occupancy$73,525--$73,525
All Other Expenses$62,266--$62,266
Other Expenses$55,905--$55,905
Travel$150--$150
Total Functional Expenses$2,431,569$0$0$2,431,569
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
Member Shares of All Types$48,917,657
Nonmember Shares$4,385,000
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, Section A, Line 6

“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, Section B, Line 11B

“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, Section B, Line 15A

“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, Section C, Line 19

“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
2024-08-23
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
8
Volunteers
13

Preparer

Firm
Dickson and Company Inc
Address
455 East 500 South Suite 400, Salt Lake City, UT 84106
Preparer
Russell Dickson
Phone
8018596545
Raw XML AppendixShowing 400 of 439 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/IRPDocumentW2GCnt00
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IRS990/LandBldgEquipCostOrOtherBssAmt01364312
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IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
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IRS990/MissionDesc0TO 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.
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IRS990/OccupancyGrp/ProgramServicesAmt073525
IRS990/OccupancyGrp/TotalAmt073525
IRS990/OfficeExpensesGrp/ProgramServicesAmt0379042
IRS990/OfficeExpensesGrp/TotalAmt0379042
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0899564
IRS990/OtherAssetsTotalGrp/EOYAmt0657536
IRS990/OtherEmployeeBenefitsGrp/TotalAmt00
IRS990/OtherExpensesGrp/Desc0INTEREST ON DEPOSITS
IRS990/OtherExpensesGrp/Desc1LOAN SERVICING
IRS990/OtherExpensesGrp/Desc2DIVIDENDS ON SHARES
IRS990/OtherExpensesGrp/Desc3EDUCATIONAL AND PROMOTIONAL
IRS990/OtherExpensesGrp/ProgramServicesAmt0567699
IRS990/OtherExpensesGrp/ProgramServicesAmt1311106
IRS990/OtherExpensesGrp/ProgramServicesAmt2132268
IRS990/OtherExpensesGrp/ProgramServicesAmt355905
IRS990/OtherExpensesGrp/TotalAmt0567699
IRS990/OtherExpensesGrp/TotalAmt1311106
IRS990/OtherExpensesGrp/TotalAmt2132268
IRS990/OtherExpensesGrp/TotalAmt355905
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IRS990/OtherRevenueTotalAmt00
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IRS990/OthNotesLoansReceivableNetGrp/BOYAmt045120886
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt045638871
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PrincipalOfficerNm0THOMAS R GOURDIN
IRS990/PriorPeriodAdjustmentsAmt0-76787
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0FEES AND OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0416507
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt11983506
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt11983506
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IRS990/PYSalariesCompEmpBnftPaidAmt0774843
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IRS990/PYTotalRevenueAmt02227287
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IRS990/ReconcilationRevenueExpnssAmt0195376
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IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt012291601
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012306609
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0457305
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0287625
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0744930
IRS990ScheduleD/EquipmentGrp/BookValueAmt0191042
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0285503
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0476545
IRS990ScheduleD/LandGrp/BookValueAmt020000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt020000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt019227
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt057038
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14385000
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt21
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES OF ALL TYPES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1NONMEMBER SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Rounding
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0705301
IRS990ScheduleD/TotalLiabilityAmt053302658
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IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0173159
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0THOMAS GOURDIN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0President
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0173159
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IRS990/ScheduleORequiredInd0true
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, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section B, Line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalAssetsGrp/EOYAmt059456487
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IRS990/TotalGrossUBIAmt00
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IRS990/TotalProgramServiceRevenueAmt02400013
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IRS990/TotalRevenueGrp/ExclusionAmt0226932
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02400013
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02626945

Document Assets

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Filings

Displayed year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$59,456,487
Liabilities
$53,359,441
Net assets
$6,097,046
Revenue
$2,626,945
Expenses
$2,431,569
Net income
$195,376
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
2023Detailed filing. Detailed filing data is available for this year.$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
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
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