Civic Intelligence

Spokane Firefighters Credit Union

990 • Fiscal year 2014 • EIN 91-0419072

Jan 01, 2014 to Dec 31, 2014 • Filed on May 20, 2015

Organization ProfileFIRECU.NET

View Organization Page

2002 N AtlanticSpokane, WA 99205

(509) 484-5650

Siviq Scores

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

Liabilities / Assets

19th percentile

0.83x

Higher debt load relative to assets than 19% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Liabilities / Revenue

71st percentile

23.44x

Higher debt load relative to revenue than 71% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Net Margin

62nd percentile

10%

Higher net margin than 62% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Top Officer Pay

49th percentile

$94,552

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 6.2% of source-year revenue.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2014

Asset Growth

55th percentile

2.2%

Faster asset growth than 55% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Revenue Growth

62nd percentile

0.9%

Faster revenue growth than 62% of similar nonprofits.

2014 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$42,928,052

Up $916,391 (+2.2%) from 2013

Net Assets

Up

$7,166,074

Up $154,690 (+2.2%) from 2013

Liabilities

Up

$35,761,978

Up $761,701 (+2.2%) from 2013

Revenue And Expenses
Liabilities / Revenue71st percentileNet Margin62nd percentile

Revenue

Up

$1,525,709

Up $13,129 (+0.9%) from 2013

Expenses

Up

$1,371,019

Up $143,655 (+12%) from 2013

Net Income

Down

$154,690

Down $130,526 (-46%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth55th 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

2014

Assets$42,928,052
Liabilities$35,761,978
Net Assets$7,166,074
Open 2014 Filing

Operations Trend

Revenue Growth62nd 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

2014

Revenue$1,525,709
Expenses$1,371,019
Net Income$154,690
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 20, 2015
Return Version
2014v5.0
Gross Receipts
$1,525,709
Mission and Program Overview

Mission

Credit union operated for mutual purposes without profit

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,295,193$20,722,170▲ $1,426,977
Savings and Temporary Cash Investments$18,964,166$18,480,098▼ $484,068
Rtn Earn Endowment Incm Other Fnds$7,011,384$7,166,074▲ $154,690
Cash and Non-Interest-Bearing Accounts$1,409,624$1,438,067▲ $28,443
Receivables From Officers Etc$951,279$1,290,055▲ $338,776
Land, Buildings, and Equipment, Net$418,689$394,998▼ $23,691
Prepaid Expenses and Deferred Charges$8,133$8,613▲ $480
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$42,011,661$42,928,052▲ $916,391
Other Assets Total$964,577$594,051▼ $370,526
Liabilities
Other Liabilities$34,842,706$35,525,638▲ $682,932
Accounts Payable and Accrued Expenses$157,571$236,340▲ $78,769
Total Liabilities$35,000,277$35,761,978▲ $761,701
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,011,384$7,166,074▲ $154,690
Total Liabilities and Net Assets / Fund Balance$42,011,661$42,928,052▲ $916,391

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$251,788$140,183$391,971
Leasehold Improvements$43,210$111,706$154,916
Land$100,000-$100,000
Other Land Buildings-$55,962$55,962
Compensation and Service Providers
Top Officer Pay49th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Todd PowellCEO/PresidentFT$94,552$94,552
Jeff WebbCFO/TreasurerFT$78,903$78,903
Will LoganVP Lending/SecrFT$58,171$58,171

Board Members and Trustees

NameTitle
Erv WilliamsChairperson
Dan LobbVice Chair
Bob Green IIDirector
Mike MooreDirector
Mike RossiDirector
Roy MediatyDirector
Terry SmithDirector
Kenny MillerSupervisory COM
Rich LlewellynSupervisory COM
Richard BarronSupervisory COM
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,220,480
Investment Income
$232,145
Other Revenue
$73,084
Change in Net Assets
$154,690

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,525,709
Revenue Not Reported on Form 990
$-321,188
Total Revenue per Audited Statements
$1,204,521
Total Revenue per Form 990
$1,525,709
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$846,172
Salaries, Compensation, and Employee Benefits$524,847
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---$231,626
Other Salaries and Wages---$217,571
All Other Expenses---$179,921
Interest---$148,928
Occupancy---$72,953
Payroll Taxes---$37,487
Other Expenses---$36,458
Pension Plan Contributions---$25,658
Insurance---$16,936
Travel---$15,909
Fees for Services Accounting---$15,700
Other Employee Benefits---$12,505
Advertising---$4,245
Fees for Services Other---$3,000
Fees for Services Legal---$551
Depreciation Depletion---$181
Total Functional Expenses$0$0$0$1,371,019

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,371,019
Total Expenses per Form 990$1,371,019
Total Expenses per Audited Statements$1,049,831
Expenses Not Reported on Form 990$-321,188
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$951,279$1,290,055▲ $338,776
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$20,164,251
Draft Shares$5,932,982
Share Certificates$5,832,312
visa payments clearing$2,103,400
Ira Accounts$1,027,058
Roth IRA$300,067
Ira Share Certificates$144,262
other shares$21,306
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

Filer Name
Spokane Firefighters Credit Union
EIN
91-0419072
Phone
5094845650
Address
2002 N ATLANTIC, SPOKANE, WA 99205

Signing Officer

Name
Jeff Webb
Title
CFO
Signed
2015-05-20
Discuss with paid preparer
Yes

Organization Details

Formed
1934
Legal Domicile
Wa
Voting Board Members
10
Independent Board Members
7
Employees
10

Preparer

Firm
Anastasi Moore & Martin Pllc
Address
104 S Division, Spokane, WA 99202
Preparer
James A Moore CPA
Phone
5093230272
Supplemental Narrative

Additional Explanations

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

“annual meeting expenses: Column (A) - Total = $11550; 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 = $13306; 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 = $3222; 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 = $3638; 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 = $-82; 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 = $9070; 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 = $10718; 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 = $5565; 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 = $9502; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

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

“Flood Determination: Column (A) - Total = $571; 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 = $26992; 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 = $470; 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 = $3591; 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 = $280; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

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

“Loan forms and documents: Column (A) - Total = $4030; 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 = $2221; 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 = $1724; 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 = $123; 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 = $5554; 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 = $14955; 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 = $3579; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

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

“Officer Discretionary expenses: Column (A) - Total = $2632; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

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

“Other loan fees: Column (A) - Total = $2023; 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 = $4482; 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 = $10204; 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 = $11550; 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 = $12828; 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 = $2272; 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 = $3110; 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 = $241; 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, 2014 and 2013, 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 2011.”

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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1240.00
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IRS990/Form990PartVIISectionAGrp/OfficerInd2X
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
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/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0TODD POWELL
IRS990/Form990PartVIISectionAGrp/PersonNm1Kenny Miller
IRS990/Form990PartVIISectionAGrp/PersonNm2Jeff Webb
IRS990/Form990PartVIISectionAGrp/PersonNm3Erv Williams
IRS990/Form990PartVIISectionAGrp/PersonNm4Bob Green II
IRS990/Form990PartVIISectionAGrp/PersonNm5Dan Lobb
IRS990/Form990PartVIISectionAGrp/PersonNm6Mike Rossi
IRS990/Form990PartVIISectionAGrp/PersonNm7Mike Moore
IRS990/Form990PartVIISectionAGrp/PersonNm8Roy Mediaty
IRS990/Form990PartVIISectionAGrp/PersonNm9Rich Llewellyn
IRS990/Form990PartVIISectionAGrp/PersonNm10Richard Barron
IRS990/Form990PartVIISectionAGrp/PersonNm11Terry Smith
IRS990/Form990PartVIISectionAGrp/PersonNm12Will Logan
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt094552
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt278903
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/TitleTxt0CEO/President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Vice Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
IRS990/Form990PartVIISectionAGrp/TitleTxt9Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt10Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt11Director
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP Lending/Secr
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0false
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/GrossReceiptsAmt01525709
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt07
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt00
IRS990/InsuranceGrp/TotalAmt016936
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0148928
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
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IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0232145
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IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt02561
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0307851
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0418689
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0394998
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/NetAssetsOrFundBalancesBOYAmt07011384
IRS990/NetAssetsOrFundBalancesEOYAmt07166074
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt072953
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0964577
IRS990/OtherAssetsTotalGrp/EOYAmt0594051
IRS990/OtherEmployeeBenefitsGrp/TotalAmt012505
IRS990/OtherExpensesGrp/Desc0loan loss
IRS990/OtherExpensesGrp/Desc1credit cards program
IRS990/OtherExpensesGrp/Desc2DATA PROCESSING expense
IRS990/OtherExpensesGrp/Desc3Dividend expense
IRS990/OtherExpensesGrp/TotalAmt0172260
IRS990/OtherExpensesGrp/TotalAmt1115316
IRS990/OtherExpensesGrp/TotalAmt263814
IRS990/OtherExpensesGrp/TotalAmt336458
IRS990/OtherLiabilitiesGrp/BOYAmt034842706
IRS990/OtherLiabilitiesGrp/EOYAmt035525638
IRS990/OtherRevenueMiscGrp/Desc0misc. income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt073084
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt073084
IRS990/OtherRevenueTotalAmt073084
IRS990/OtherSalariesAndWagesGrp/TotalAmt0217571
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt019295193
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt020722170
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt037487
IRS990/PensionPlanContributionsGrp/TotalAmt025658
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt08133
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt08613
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc1interchange income
IRS990/ProgramServiceRevenueGrp/Desc2loan interest
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt082863
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1152660
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2984957
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt082863
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1152660
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2984957
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0252133
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0712080
IRS990/PYOtherRevenueAmt023115
IRS990/PYProgramServiceRevenueAmt01237332
IRS990/PYRevenuesLessExpensesAmt0285216
IRS990/PYSalariesCompEmpBnftPaidAmt0515284
IRS990/PYTotalExpensesAmt01227364
IRS990/PYTotalRevenueAmt01512580
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0951279
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01290055
IRS990/ReconcilationRevenueExpnssAmt0154690
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07011384
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07166074
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018964166
IRS990/SavingsAndTempCashInvstGrp/EOYAmt018480098
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0251788
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0140183
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0391971
IRS990ScheduleD/ExpensesNotReportedAmt0-321188
IRS990ScheduleD/ExpensesSubtotalAmt01371019
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt043210
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0111706
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0154916
IRS990ScheduleD/OtherExpensesIncludedAmt0-321188
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt055962
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt055962
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt05932982
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11027058
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2144262
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt321306
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt420164251
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5300067
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt65832312
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt72103400
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/OtherRevenueAmt0-321188
IRS990ScheduleD/RevenueNotReportedAmt0-321188
IRS990ScheduleD/RevenueSubtotalAmt01525709
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, 2014 and 2013, 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 2011.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0394998
IRS990ScheduleD/TotalExpensesPerForm990Amt01371019
IRS990ScheduleD/TotalLiabilityAmt035525638
IRS990ScheduleD/TotalRevenuePerForm990Amt01525709
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01204521
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01049831
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/ExplanationTxt3annual meeting expenses: Column (A) - Total = $11550; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ASSOCIATION DUES: Column (A) - Total = $13306; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Bank charges: Column (A) - Total = $3222; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6board of directors exp.: Column (A) - Total = $3638; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7cash over short: Column (A) - Total = $-82; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8charitable donations: Column (A) - Total = $9070; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9compliance: Column (A) - Total = $10718; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10credit report: Column (A) - Total = $5565; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11exam fees: Column (A) - Total = $9502; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Flood Determination: Column (A) - Total = $571; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13foreclosure expense: Column (A) - Total = $26992; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14heloc: Column (A) - Total = $470; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15information technology: Column (A) - Total = $3591; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16LICENSE FEE: Column (A) - Total = $280; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17Loan forms and documents: Column (A) - Total = $4030; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18Loan processing expense-FNMA: Column (A) - Total = $2221; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19management consulting: Column (A) - Total = $1724; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20newsletter website: Column (A) - Total = $123; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21non-covered loss: Column (A) - Total = $5554; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22office equipment and supplies: Column (A) - Total = $14955; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt23office operating expenses: Column (A) - Total = $3579; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt24Officer Discretionary expenses: Column (A) - Total = $2632; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt25Other loan fees: Column (A) - Total = $2023; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt26other member communication: Column (A) - Total = $4482; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt27Postage and Shipping: Column (A) - Total = $10204; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt28promotions: Column (A) - Total = $11550; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt29shared braching exp.: Column (A) - Total = $12828; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt30software: Column (A) - Total = $2272; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$42,928,052
Liabilities
$35,761,978
Net assets
$7,166,074
Revenue
$1,525,709
Expenses
$1,371,019
Net income
$154,690
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