Civic Intelligence

Spokane Firefighters Credit Union

990 • Fiscal year 2013 • EIN 91-0419072

Jan 01, 2013 to Dec 31, 2013 • Filed on Sep 11, 2014

Organization ProfileFIRECU.NET

View Organization Page

2002 N Atlantic99205

(509) 484-5650

Siviq Scores

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

Liabilities / Assets

18th percentile

0.83x

Higher debt load relative to assets than 18% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Liabilities / Revenue

72nd percentile

23.14x

Higher debt load relative to revenue than 72% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Net Margin

90th percentile

19%

Higher net margin than 90% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Top Officer Pay

49th percentile

$95,292

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2013

Asset Growth

67th percentile

3.5%

Faster asset growth than 67% of similar nonprofits.

2013 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2012 to 2013

Revenue Growth

23rd percentile

-7.6%

Faster revenue growth than 23% of similar nonprofits.

2013 filings • $25M-$50M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets18th percentile

Assets

Up

$42,011,661

Up $1,435,105 (+3.5%) from 2012

Net Assets

Up

$7,011,384

Up $285,216 (+4.2%) from 2012

Liabilities

Up

$35,000,277

Up $1,149,889 (+3.4%) from 2012

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin90th percentile

Revenue

Down

$1,512,580

Down $124,896 (-7.6%) from 2012

Expenses

Down

$1,227,364

Down $38,725 (-3.1%) from 2012

Net Income

Down

$285,216

Down $86,171 (-23%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth67th percentile

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

$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

2013

Assets$42,011,661
Liabilities$35,000,277
Net Assets$7,011,384
Open 2013 Filing

Operations Trend

Revenue Growth23rd percentile

Revenue, expenses, and net income across loaded years, with this 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

2013

Revenue$1,512,580
Expenses$1,227,364
Net Income$285,216
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Sep 11, 2014
Return Version
2013v3.1
Gross Receipts
$1,512,580
Mission and Program Overview

Mission

Credit union operated for mutual purposes without profit

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,786,860$19,295,193▼ $491,667
Savings and Temporary Cash Investments$16,999,066$18,964,166▲ $1,965,100
Rtn Earn Endowment Incm Other Fnds$6,726,168$7,011,384▲ $285,216
Cash and Non-Interest-Bearing Accounts$1,899,609$1,409,624▼ $489,985
Receivables From Officers Etc$487,269$951,279▲ $464,010
Land, Buildings, and Equipment, Net$446,766$418,689▼ $28,077
Prepaid Expenses and Deferred Charges$9,303$8,133▼ $1,170
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$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$40,576,556$42,011,661▲ $1,435,105
Other Assets Total$947,683$964,577▲ $16,894
Liabilities
Other Liabilities$33,727,791$34,842,706▲ $1,114,915
Accounts Payable and Accrued Expenses$122,597$157,571▲ $34,974
Total Liabilities$33,850,388$35,000,277▲ $1,149,889
Net Assets / Fund Balance
Total Net Assets Fund Balance$6,726,168$7,011,384▲ $285,216
Total Liabilities and Net Assets / Fund Balance$40,576,556$42,011,661▲ $1,435,105

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$264,925$127,046$391,971
Leasehold Improvements$53,589$101,327$154,916
Land$100,000-$100,000
Other Land Buildings$175$55,787$55,962
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Todd PowellCEO/PresidentFT$95,292$95,292
Jeff WebbCFO/TreasurerFT$76,584$76,584
Will LoganVP Lending/SecrFT$55,496$55,496

Board Members and Trustees

NameTitle
Erv WilliamsChairperson
Brian McInerneyVice Chairperso
Terry SmithBoard member
Bob Green IIDirector
Dan LobbDirector
Mike MooreDirector
Roy MediatyDirector
Jay AtwoodSupervisor
Rich LlewellynSupervisor
Kenny MillerSupervisory COM
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,237,332
Investment Income
$252,133
Other Revenue
$23,115
Change in Net Assets
$285,216

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,512,580
Total Revenue per Audited Statements
$1,512,580
Total Revenue per Form 990
$1,512,580
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$712,080
Salaries, Compensation, and Employee Benefits$515,284
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$227,372
Other Salaries and Wages---$213,834
Interest---$192,767
All Other Expenses---$181,305
Occupancy---$77,077
Payroll Taxes---$37,006
Other Expenses---$26,181
Pension Plan Contributions---$24,720
Fees for Services Accounting---$19,381
Insurance---$14,750
Other Employee Benefits---$12,352
Travel---$4,313
Advertising---$3,268
Depreciation Depletion---$2,167
Fees for Services Other---$385
Fees for Services Legal---$58
Total Functional Expenses$0$0$0$1,227,364

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,227,364
Total Expenses per Audited Statements$1,227,364
Total Expenses per Form 990$1,227,364
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
Lobbying activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$487,269$951,279▲ $464,010
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$18,691,212
Share Certificates$7,052,195
Draft Shares$5,456,577
visa payments clearing$2,041,781
Ira Accounts$1,041,901
Roth IRA$318,436
Ira Share Certificates$219,284
other shares$21,320
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
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
Yes
Other officer compensation reviewed
Yes
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

“Employees of the Spokane Fire Department, Spokane Valley Fire Department and their immediate families are the core members of the organization”

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

“CFO will review Form 990 for accuracy before filing it”

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

“written request will be filled.”

Filing and Contact Details

Filer

EIN
91-0419072
Phone
5094845650

Signing Officer

Name
Jeff Webb
Title
CFO
Signed
2014-09-11
Discuss with paid preparer
Yes

Organization Details

Formed
1934
Legal Domicile
Wa
Voting Board Members
10
Independent Board Members
8
Employees
10

Preparer

Preparer
James A Moore CPA
Phone
5093230272
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 24E: Other Expenses

“Administrative expenses: Column (A) - Total = $1214; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“annual meeting expenses: Column (A) - Total = $11057; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“ASSOCIATION DUES: Column (A) - Total = $13481; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Bank charges: Column (A) - Total = $4050; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“board of directors exp.: Column (A) - Total = $5969; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“cash over short: Column (A) - Total = $-111; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“charitable donations: Column (A) - Total = $12239; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“compliance: Column (A) - Total = $10600; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“credit report: Column (A) - Total = $4299; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“exam fees: Column (A) - Total = $9537; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“foreclosure expense: Column (A) - Total = $11866; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“heloc: Column (A) - Total = $4388; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“information technology: Column (A) - Total = $5156; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“LICENSE FEE: Column (A) - Total = $710; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“loan expense: Column (A) - Total = $5168; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Loan processing expense-FNMA: Column (A) - Total = $1146; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“management consulting: Column (A) - Total = $8293; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“newsletter website: Column (A) - Total = $800; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“non-covered loss: Column (A) - Total = $4962; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“office equipment and supplies: Column (A) - Total = $19974; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“office operating expenses: Column (A) - Total = $3979; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“OFFICER & DIRECTOR: Column (A) - Total = $3061; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“other member communication: Column (A) - Total = $5163; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“Postage and Shipping: Column (A) - Total = $11643; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“promotions: Column (A) - Total = $5917; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“shared braching exp.: Column (A) - Total = $11407; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“software: Column (A) - Total = $2286; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“special event: Column (A) - Total = $2943; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Form 990, Part IX, Line 24E: Other Expenses

“subscriptions: Column (A) - Total = $108; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

Financial Statement Notes

Part X : FIN48 Footnote

“The Credit Union is exempt by statute from federal and state income taxes. However, the Credit Union is subject to unrelated business income tax. The net unrelated business income tax is immaterial to the financial statements as a whole. Accounting principles generally accepted in the United States of America require management to evaluate tax positions taken by the Credit Union and recognize a tax liability if the Credit Union has taken an uncertain position that more likely than not would not be sustained upon examination by the IRS or other applicable taxing authorities. Management has analyzed the tax positions taken by the Credit Uion and has concluded that as of December 31, 2013 and 2012, there are no uncertain positions taken or expected to be taken that would require recognition of a liability of disclosure in the financial statements. The Credit Union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax period in progress. Management blieves it is no longer subject to income tax examinations for years prior to 2010.”

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IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0Terry Smith
IRS990/Form990PartVIISectionAGrp/PersonNm1TODD POWELL
IRS990/Form990PartVIISectionAGrp/PersonNm2Kenny Miller
IRS990/Form990PartVIISectionAGrp/PersonNm3Jeff Webb
IRS990/Form990PartVIISectionAGrp/PersonNm4Erv Williams
IRS990/Form990PartVIISectionAGrp/PersonNm5Bob Green II
IRS990/Form990PartVIISectionAGrp/PersonNm6Dan Lobb
IRS990/Form990PartVIISectionAGrp/PersonNm7Brian McInerney
IRS990/Form990PartVIISectionAGrp/PersonNm8Mike Moore
IRS990/Form990PartVIISectionAGrp/PersonNm9Roy Mediaty
IRS990/Form990PartVIISectionAGrp/PersonNm10Rich Llewellyn
IRS990/Form990PartVIISectionAGrp/PersonNm11Jay Atwood
IRS990/Form990PartVIISectionAGrp/PersonNm12Will Logan
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt195292
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt376584
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1255496
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0Board member
IRS990/Form990PartVIISectionAGrp/TitleTxt1CEO/President
IRS990/Form990PartVIISectionAGrp/TitleTxt2Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt3CFO/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt4Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Vice Chairperso
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Supervisor
IRS990/Form990PartVIISectionAGrp/TitleTxt11Supervisor
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP Lending/Secr
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IRS990/FormationYr01934
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IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01512580
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt014750
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0192767
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0252133
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IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
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IRS990/IRPDocumentCnt02517
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0284160
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0446766
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0418689
IRS990/LandBldgEquipCostOrOtherBssAmt0702849
IRS990/LegalDomicileStateCd0WA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0false
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0CREDIT UNION OPERATED FOR MUTUAL PURPOSES WITHOUT PROFIT
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt06726168
IRS990/NetAssetsOrFundBalancesEOYAmt07011384
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
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IRS990/OccupancyGrp/TotalAmt077077
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0947683
IRS990/OtherAssetsTotalGrp/EOYAmt0964577
IRS990/OtherEmployeeBenefitsGrp/TotalAmt012352
IRS990/OtherExpensesGrp/Desc0credit cards program
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING expense
IRS990/OtherExpensesGrp/Desc2stabilization expense
IRS990/OtherExpensesGrp/Desc3loan loss
IRS990/OtherExpensesGrp/TotalAmt0106053
IRS990/OtherExpensesGrp/TotalAmt157424
IRS990/OtherExpensesGrp/TotalAmt226951
IRS990/OtherExpensesGrp/TotalAmt326181
IRS990/OtherLiabilitiesGrp/BOYAmt033727791
IRS990/OtherLiabilitiesGrp/EOYAmt034842706
IRS990/OtherRevenueMiscGrp/Desc0misc. income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt023115
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt023115
IRS990/OtherRevenueTotalAmt023115
IRS990/OtherSalariesAndWagesGrp/TotalAmt0213834
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt019786860
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt019295193
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt037006
IRS990/PensionPlanContributionsGrp/TotalAmt024720
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt09303
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08133
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc1interchange income
IRS990/ProgramServiceRevenueGrp/Desc2loan interest
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt076561
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1143050
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21017721
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt076561
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1143050
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21017721
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0306016
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0800797
IRS990/PYOtherRevenueAmt020148
IRS990/PYProgramServiceRevenueAmt01311312
IRS990/PYRevenuesLessExpensesAmt0371387
IRS990/PYSalariesCompEmpBnftPaidAmt0465292
IRS990/PYTotalExpensesAmt01266089
IRS990/PYTotalRevenueAmt01637476
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0487269
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0951279
IRS990/ReconcilationRevenueExpnssAmt0285216
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt06726168
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07011384
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016999066
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018964166
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0264925
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0127046
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0391971
IRS990ScheduleD/ExpensesSubtotalAmt01227364
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt053589
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0101327
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0154916
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0175
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt055787
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt055962
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05456577
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11041901
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2219284
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt321320
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt418691212
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5318436
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt67052195
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt72041781
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Draft Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRA SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3other shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5Roth IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7visa payments clearing
IRS990ScheduleD/RevenueSubtotalAmt01512580
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0The Credit Union is exempt by statute from federal and state income taxes. However, the Credit Union is subject to unrelated business income tax. The net unrelated business income tax is immaterial to the financial statements as a whole. Accounting principles generally accepted in the United States of America require management to evaluate tax positions taken by the Credit Union and recognize a tax liability if the Credit Union has taken an uncertain position that more likely than not would not be sustained upon examination by the IRS or other applicable taxing authorities. Management has analyzed the tax positions taken by the Credit Uion and has concluded that as of December 31, 2013 and 2012, there are no uncertain positions taken or expected to be taken that would require recognition of a liability of disclosure in the financial statements. The Credit Union is subject to routine audits by taxing jurisdictions; however, there are currently no audits for any tax period in progress. Management blieves it is no longer subject to income tax examinations for years prior to 2010.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0418689
IRS990ScheduleD/TotalExpensesPerForm990Amt01227364
IRS990ScheduleD/TotalLiabilityAmt034842706
IRS990ScheduleD/TotalRevenuePerForm990Amt01512580
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01512580
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01227364
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Employees of the Spokane Fire Department, Spokane Valley Fire Department and their immediate families are the core members of the organization
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1CFO will review Form 990 for accuracy before filing it
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2written request will be filled.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Administrative expenses: Column (A) - Total = $1214; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4annual meeting expenses: Column (A) - Total = $11057; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ASSOCIATION DUES: Column (A) - Total = $13481; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Bank charges: Column (A) - Total = $4050; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7board of directors exp.: Column (A) - Total = $5969; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8cash over short: Column (A) - Total = $-111; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9charitable donations: Column (A) - Total = $12239; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10compliance: Column (A) - Total = $10600; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11credit report: Column (A) - Total = $4299; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12exam fees: Column (A) - Total = $9537; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13foreclosure expense: Column (A) - Total = $11866; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14heloc: Column (A) - Total = $4388; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15information technology: Column (A) - Total = $5156; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16LICENSE FEE: Column (A) - Total = $710; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17loan expense: Column (A) - Total = $5168; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18Loan processing expense-FNMA: Column (A) - Total = $1146; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19management consulting: Column (A) - Total = $8293; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20newsletter website: Column (A) - Total = $800; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21non-covered loss: Column (A) - Total = $4962; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22office equipment and supplies: Column (A) - Total = $19974; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt23office operating expenses: Column (A) - Total = $3979; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt24OFFICER & DIRECTOR: Column (A) - Total = $3061; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt25other member communication: Column (A) - Total = $5163; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt26Postage and Shipping: Column (A) - Total = $11643; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt27promotions: Column (A) - Total = $5917; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt28shared braching exp.: Column (A) - Total = $11407; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt29software: Column (A) - Total = $2286; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt30special event: Column (A) - Total = $2943; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt31subscriptions: Column (A) - Total = $108; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
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 19: Other Organization Documents Publicly Available

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$42,011,661
Liabilities
$35,000,277
Net assets
$7,011,384
Revenue
$1,512,580
Expenses
$1,227,364
Net income
$285,216
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
2013Detailed filing. Detailed filing data is available for this year.$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