Civic Intelligence

Spokane Firefighters Credit Union

EIN 91-0419072 • 501(c)14 • Spokane, WA

View Organization Page

Profile

Improve the quality of life for our members by providing personalized financial services.

2002 North AtlanticSpokane, WA 99205-2578

firecu.net

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

26th percentile

0.85x

Higher debt load relative to assets than 26% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

78th percentile

21.09x

Higher debt load relative to revenue than 78% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

38th percentile

8.5%

Higher net margin than 38% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

58th percentile

1.3%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

66th percentile

17%

Faster revenue growth than 66% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets26th percentile

Assets

Up

$79,793,959

Up $1,040,517 (+1.3%) from 2023

Liabilities

Up

$68,178,085

Up $765,429 (+1.1%) from 2023

Net Assets

Up

$11,615,874

Up $275,088 (+2.4%) from 2023

Operations
Liabilities / Revenue78th percentileNet Margin38th percentile

Revenue

Up

$3,232,916

Up $465,331 (+17%) from 2023

Expenses

Up

$2,957,828

Up $632,111 (+27%) from 2023

Net Income

Down

$275,088

Down $166,780 (-38%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80M$60M$40M$20M$0Assets 2010: $39,318,882Liabilities 2010: $33,195,581Net Assets 2010: $6,123,3012010Assets 2011: $38,923,504Liabilities 2011: $32,568,723Net Assets 2011: $6,354,7812011Assets 2012: $40,576,556Liabilities 2012: $33,850,388Net Assets 2012: $6,726,1682012Assets 2013: $42,011,661Liabilities 2013: $35,000,277Net Assets 2013: $7,011,3842013Assets 2014: $42,928,052Liabilities 2014: $35,761,978Net Assets 2014: $7,166,0742014Assets 2015: $46,010,580Liabilities 2015: $38,460,986Net Assets 2015: $7,549,5942015Assets 2016: $48,379,340Liabilities 2016: $40,531,155Net Assets 2016: $7,848,1852016Assets 2017: $49,474,378Liabilities 2017: $41,294,932Net Assets 2017: $8,179,4462017Assets 2018: $51,316,311Liabilities 2018: $42,738,703Net Assets 2018: $8,577,6082018Assets 2019: $58,077,739Liabilities 2019: $49,168,120Net Assets 2019: $8,909,6192019Assets 2020: $68,427,986Liabilities 2020: $58,723,816Net Assets 2020: $9,704,1702020Assets 2021: $76,683,740Liabilities 2021: $66,369,898Net Assets 2021: $10,313,8422021Assets 2022: $75,696,409Liabilities 2022: $64,801,836Net Assets 2022: $10,894,5732022Assets 2023: $78,753,442Liabilities 2023: $67,412,656Net Assets 2023: $11,340,7862023Assets 2024: $79,793,959Liabilities 2024: $68,178,085Net Assets 2024: $11,615,8742024

Highlighted filing

2024

Assets$79,793,959
Liabilities$68,178,085
Net Assets$11,615,874
Open 2024 Filing

Operations Trend

Revenue Growth66th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $1,731,5182010Expenses 2011: $1,581,0582011Revenue 2012: $1,637,476Expenses 2012: $1,266,089Net Income 2012: $371,3872012Revenue 2013: $1,512,580Expenses 2013: $1,227,364Net Income 2013: $285,2162013Revenue 2014: $1,525,709Expenses 2014: $1,371,019Net Income 2014: $154,6902014Revenue 2015: $1,539,463Expenses 2015: $1,155,943Net Income 2015: $383,5202015Revenue 2016: $1,624,402Expenses 2016: $1,325,811Net Income 2016: $298,5912016Revenue 2017: $1,762,413Expenses 2017: $1,431,152Net Income 2017: $331,2612017Revenue 2018: $1,876,379Expenses 2018: $1,478,217Net Income 2018: $398,1622018Revenue 2019: $2,068,316Expenses 2019: $1,738,423Net Income 2019: $329,8932019Revenue 2020: $2,665,341Expenses 2020: $1,870,790Net Income 2020: $794,5512020Revenue 2021: $2,466,965Expenses 2021: $1,857,293Net Income 2021: $609,6722021Revenue 2022: $2,450,183Expenses 2022: $1,869,452Net Income 2022: $580,7312022Revenue 2023: $2,767,585Expenses 2023: $2,325,717Net Income 2023: $441,8682023Revenue 2024: $3,232,916Expenses 2024: $2,957,828Net Income 2024: $275,0882024

Highlighted filing

2024

Revenue$3,232,916
Expenses$2,957,828
Net Income$275,088
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$79,793,959
Liabilities
$68,178,085
Net assets
$11,615,874
Revenue
$3,232,916
Expenses
$2,957,828
Net income
$275,088
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.8$68.2$11.6$3.23$2.96$0.28
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$78.8$67.4$11.3$2.77$2.33$0.44
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$75.7$64.8$10.9$2.45$1.87$0.58
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$76.7$66.4$10.3$2.47$1.86$0.61
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$68.4$58.7$9.70$2.67$1.87$0.79
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$58.1$49.2$8.91$2.07$1.74$0.33
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.3$42.7$8.58$1.88$1.48$0.40
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$49.5$41.3$8.18$1.76$1.43$0.33
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.4$40.5$7.85$1.62$1.33$0.30
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$46.0$38.5$7.55$1.54$1.16$0.38
2014Detailed filing. Detailed filing data is available for this year.$42.9$35.8$7.17$1.53$1.37$0.15
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$42.0$35.0$7.01$1.51$1.23$0.29
2012Summary only. Only limited summary data is available for this year.$40.6$33.9$6.73$1.64$1.27$0.37
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.9$32.6$6.35$1.58
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.3$33.2$6.12$1.73
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Nov 13, 2023
Return Version
2022v5.0
Gross Receipts
$2,450,183
Mission and Program Overview

Mission

Credit union operated for mutual purposes without profit

To provide affordable credit and financial services to Spokane firefighters and their families.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$40,042,314$43,175,881▲ $3,133,567
Investments Other Securities$0$17,745,304▲ $17,745,304
Savings and Temporary Cash Investments$32,829,904$12,817,638▼ $20,012,266
Rtn Earn Endowment Incm Other Fnds$10,313,842$10,894,573▲ $580,731
Cash and Non-Interest-Bearing Accounts$2,378,108$416,821▼ $1,961,287
Land, Buildings, and Equipment, Net$311,519$308,752▼ $2,767
Prepaid Expenses and Deferred Charges$55,352$131,041▲ $75,689
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$76,683,740$75,696,409▼ $987,331
Other Assets Total$1,066,543$1,100,972▲ $34,429
Liabilities
Other Liabilities$64,959,603$64,246,782▼ $712,821
Accounts Payable and Accrued Expenses$1,410,295$555,054▼ $855,241
Total Liabilities$66,369,898$64,801,836▼ $1,568,062
Net Assets / Fund Balance
Total Net Assets Fund Balance$10,313,842$10,894,573▲ $580,731
Total Liabilities and Net Assets / Fund Balance$76,683,740$75,696,409▼ $987,331

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$146,690$245,281$391,971
Leasehold Improvements$40,053$165,463$205,516
Equipment$22,009$122,549$144,558
Land$100,000-$100,000
Other Securities$17,745,304--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Gayle FurnessChief Executive Officer, TreasurerFT$128,005$46,828$174,833
William LoganVice President of Lending, SecretaryFT$97,016$5,821$102,837

Board Members and Trustees

NameTitle
Bill GonzalezBoard Chair
Ervin C WilliamsBoard Chair (thru Oct. 2022)
Ken MillerBoard Vice Chair
Bob GreenDirector
Kevin SmithDirector
Mike ThompsonDirector
Roger LibbyDirector
Scott HimelspachDirector (from Nov. 2022)
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,035,836
Investment Income
$414,347
Other Revenue
$0
Change in Net Assets
$580,731
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$968,298
Salaries, Compensation, and Employee Benefits$889,944
Grants and Similar Amounts Paid$11,210
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$408,295
Current Officers, Directors, Trustees, and Key Employees---$277,671
Other Employee Benefits---$135,766
Information Technology---$91,907
Fees for Services Other---$59,812
Payroll Taxes---$53,959
Office Expenses---$49,864
Travel---$44,394
Fees for Services Accounting---$39,379
Occupancy---$38,726
Advertising---$36,255
Depreciation Depletion---$34,373
Insurance---$31,480
Conferences and Meetings---$22,256
Other Expenses---$21,344
Interest---$14,468
Pension Plan Contributions---$14,253
All Other Expenses---$11,409
Grants to Domestic Orgs---$11,210
Fees for Services Legal---$4,735
Total Functional Expenses$0$0$0$1,869,452
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares$44,185,774
Share Drafts$14,545,818
Share Certificates$4,027,395
IRA/Coverdell Accounts$1,483,425
Escrow Accounts$4,370
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
Yes
Conflict-of-interest policy
No
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

“Spokane Firefighters Credit Union is a member-owned Credit Union. There is one class of members.”

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

“Members elect the Board of Directors for oversight. Each member has one vote.”

Form 990, Part VI, Section A, line 8B

“There are no committees with broad authority to act on behalf of the governing body.”

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

“The CEO reviews the Form 990 for accuracy before filing is completed.”

Form 990, Part VI, Section B, line 12

“Spokane Firefighters Credit Union adopted a formal conflict of interest policy in 2023. Officers and Directors are required to disclose any potential conflicts of interest. The existence of any potential conflict must be disclosed to the Board or the committee with board delegated powers considering the proposed transaction. If a conflict is found to exist, the interested person will not be included in discussions or vote on the transaction involving the conflict. Review of the policy is done on an annual basis.”

Form 990, Part VI, Section B, line 15

“Comparability data from a comprehensive salary and incentive survey is used to determine compensation for top management and is approved by the wage committee.”

Form 990, Part VI, Section C, line 19

“Governing documents, conflict of interest policy, and financial statements are made available upon written request.”

Filing and Contact Details

Filer

Filer Name
Spokane Firefighters Credit Union
EIN
91-0419072
Phone
5094845650
Address
2002 North Atlantic, Spokane, WA 99205-2578

Signing Officer

Name
Gayle Furness
Title
CEO
Phone
5094845650
Signed
2023-11-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Gayle Furness
Formed
1934
Legal Domicile
Wa
Voting Board Members
7
Independent Board Members
7
Employees
13
Volunteers
10

Preparer

Firm
Eide Bailly LLP
Address
1730 Burnt Boat Loop Ste 100, Bismarck, ND 58503-0886
Preparer
Lisa Chaffee CPA
Phone
7012551091
Raw XML AppendixShowing 400 of 409 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.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01410295
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0555054
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0To provide affordable credit and financial services to Spokane firefighters and their families.
IRS990/AdvertisingGrp/TotalAmt036255
IRS990/AllOtherExpensesGrp/TotalAmt011409
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0Gayle Furness
IRS990/BooksInCareOfDetail/PhoneNum05094845650
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02002 North Atlantic
IRS990/BooksInCareOfDetail/USAddress/CityNm0Spokane
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0992052578
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt02378108
IRS990/CashNonInterestBearingGrp/EOYAmt0416821
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0277671
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt022256
IRS990/ConflictOfInterestPolicyInd00
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt011210
IRS990/CYInvestmentIncomeAmt0414347
IRS990/CYOtherExpensesAmt0968298
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt02035836
IRS990/CYRevenuesLessExpensesAmt0580731
IRS990/CYSalariesCompEmpBnftPaidAmt0889944
IRS990/CYTotalExpensesAmt01869452
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02450183
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt034373
IRS990/Desc0Spokane Firefighters Credit Union provided financial services to approximately 2,366 members including: loans, IRAs, share certificates, share accounts, and share draft accounts.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd00
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt013
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt039379
IRS990/FeesForServicesLegalGrp/TotalAmt04735
IRS990/FeesForServicesOtherGrp/TotalAmt059812
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt140.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt22.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt91.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt07752
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt15821
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/PersonNm0Gayle Furness
IRS990/Form990PartVIISectionAGrp/PersonNm1William Logan
IRS990/Form990PartVIISectionAGrp/PersonNm2Bill Gonzalez
IRS990/Form990PartVIISectionAGrp/PersonNm3Ken Miller
IRS990/Form990PartVIISectionAGrp/PersonNm4Ervin C Williams
IRS990/Form990PartVIISectionAGrp/PersonNm5Bob Green
IRS990/Form990PartVIISectionAGrp/PersonNm6Roger Libby
IRS990/Form990PartVIISectionAGrp/PersonNm7Mike Thompson
IRS990/Form990PartVIISectionAGrp/PersonNm8Kevin Smith
IRS990/Form990PartVIISectionAGrp/PersonNm9Scott Himelspach
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0167081
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt197016
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0Chief Executive Officer, Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice President of Lending, Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt2Board Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt3Board Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt4Board Chair (thru Oct. 2022)
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director (from Nov. 2022)
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToDomesticOrgsGrp/TotalAmt011210
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt02450183
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt091907
IRS990/InsuranceGrp/TotalAmt031480
IRS990/InterestGrp/TotalAmt014468
IRS990/InvestmentIncomeGrp/ExclusionAmt0414347
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0414347
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt00
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt017745304
IRS990/IRPDocumentCnt01260
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0533293
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0311519
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0308752
IRS990/LandBldgEquipCostOrOtherBssAmt0842045
IRS990/LegalDomicileStateCd0WA
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd00
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0Improve the quality of life for our members by providing personalized financial services.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt010313842
IRS990/NetAssetsOrFundBalancesEOYAmt010894573
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt038726
IRS990/OfficeExpensesGrp/TotalAmt049864
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt01066543
IRS990/OtherAssetsTotalGrp/EOYAmt01100972
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0135766
IRS990/OtherExpensesGrp/Desc0Dividends Expense
IRS990/OtherExpensesGrp/Desc1Debit/Credit Card Expen
IRS990/OtherExpensesGrp/Desc2Loan Servicing Expense
IRS990/OtherExpensesGrp/Desc3Association Dues
IRS990/OtherExpensesGrp/TotalAmt0219109
IRS990/OtherExpensesGrp/TotalAmt1151331
IRS990/OtherExpensesGrp/TotalAmt297456
IRS990/OtherExpensesGrp/TotalAmt321344
IRS990/OtherLiabilitiesGrp/BOYAmt064959603
IRS990/OtherLiabilitiesGrp/EOYAmt064246782
IRS990/OtherSalariesAndWagesGrp/TotalAmt0408295
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt040042314
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt043175881
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt053959
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt014253
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt055352
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0131041
IRS990/PrincipalOfficerNm0Gayle Furness
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0Loan Interest Income
IRS990/ProgramServiceRevenueGrp/Desc1Noninterest Operating
IRS990/ProgramServiceRevenueGrp/Desc2Interchange Income
IRS990/ProgramServiceRevenueGrp/Desc3Fees and Charges
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01470885
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1235011
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2208185
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3121755
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01470885
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1235011
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2208185
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3121755
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt09801
IRS990/PYInvestmentIncomeAmt0353016
IRS990/PYOtherExpensesAmt0937336
IRS990/PYOtherRevenueAmt0173243
IRS990/PYProgramServiceRevenueAmt01940706
IRS990/PYRevenuesLessExpensesAmt0609672
IRS990/PYSalariesCompEmpBnftPaidAmt0910156
IRS990/PYTotalExpensesAmt01857293
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt02466965
IRS990/ReconcilationRevenueExpnssAmt0580731
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt010313842
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt010894573
IRS990/SavingsAndTempCashInvstGrp/BOYAmt032829904
IRS990/SavingsAndTempCashInvstGrp/EOYAmt012817638
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0146690
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0245281
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0391971
IRS990ScheduleD/EquipmentGrp/BookValueAmt022009
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0122549
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0144558
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt040053
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0165463
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0205516
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt044185774
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt14027395
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt214545818
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt31483425
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt44370
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Member Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1Share Certificates
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2Share Drafts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3IRA/Coverdell Accounts
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Escrow Accounts
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt017745304
IRS990ScheduleD/OtherSecuritiesGrp/Desc0Federal Agency Securities
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0308752
IRS990ScheduleD/TotalBookValueSecuritiesAmt017745304
IRS990ScheduleD/TotalLiabilityAmt064246782
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990/ScheduleJRequiredInd01
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0128005
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount039076
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt07752
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0Gayle Furness
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0Chief Executive Officer, Treasurer
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0174833
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationRltdOrgsAmt00
IRS990ScheduleJ/SeverancePaymentInd00
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Spokane Firefighters Credit Union is a member-owned Credit Union. There is one class of members.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Members elect the Board of Directors for oversight. Each member has one vote.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2There are no committees with broad authority to act on behalf of the governing body.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The CEO reviews the Form 990 for accuracy before filing is completed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Spokane Firefighters Credit Union adopted a formal conflict of interest policy in 2023. Officers and Directors are required to disclose any potential conflicts of interest. The existence of any potential conflict must be disclosed to the Board or the committee with board delegated powers considering the proposed transaction. If a conflict is found to exist, the interested person will not be included in discussions or vote on the transaction involving the conflict. Review of the policy is done on an annual basis.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Comparability data from a comprehensive salary and incentive survey is used to determine compensation for top management and is approved by the wage committee.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Governing documents, conflict of interest policy, and financial statements are made available upon written request.
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 A, line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section B, line 12
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part VI, Section B, line 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part VI, Section C, line 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt076683740
IRS990/TotalAssetsEOYAmt075696409
IRS990/TotalAssetsGrp/BOYAmt076683740
IRS990/TotalAssetsGrp/EOYAmt075696409
IRS990/TotalCompGreaterThan150KInd01
IRS990/TotalEmployeeCnt013
IRS990/TotalFunctionalExpensesGrp/TotalAmt01869452
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt066369898
IRS990/TotalLiabilitiesEOYAmt064801836
IRS990/TotalLiabilitiesGrp/BOYAmt066369898
IRS990/TotalLiabilitiesGrp/EOYAmt064801836
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt010313842
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt010894573
IRS990/TotalOtherCompensationAmt013573
IRS990/TotalProgramServiceRevenueAmt02035836
IRS990/TotalReportableCompFromOrgAmt0264097
IRS990/TotalRevenueGrp/ExclusionAmt0414347
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt02035836
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt02450183
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt076683740
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt075696409
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt044394
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02002 North Atlantic
IRS990/USAddress/CityNm0Spokane
IRS990/USAddress/StateAbbreviationCd0WA
IRS990/USAddress/ZIPCd0992052578
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0firecu.net
IRS990/WhistleblowerPolicyInd00
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/AuthenticationAssuranceLevelCd0AAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/IdentityAssuranceLevelCd0IAL1
ReturnHeader/AdditionalFilerInformation/TrustedCustomerGrp/TrustedCustomerCd00
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Gayle Furness
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum05094845650
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-11-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Spokane Firefighters Credit Union
ReturnHeader/Filer/BusinessNameControlTxt0SPOK
ReturnHeader/Filer/EIN0910419072
ReturnHeader/Filer/PhoneNum05094845650
ReturnHeader/Filer/USAddress/AddressLine1Txt02002 North Atlantic
ReturnHeader/Filer/USAddress/CityNm0Spokane
ReturnHeader/Filer/USAddress/StateAbbreviationCd0WA
ReturnHeader/Filer/USAddress/ZIPCd0992052578
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0450250958
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Eide Bailly LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01730 Burnt Boat Loop Ste 100
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Bismarck
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0585030886
ReturnHeader/PreparerPersonGrp/PhoneNum07012551091

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