Civic Intelligence

Spokane Firefighters Credit Union

990 • Fiscal year 2016 • EIN 91-0419072

Jan 01, 2016 to Dec 31, 2016 • Filed on Oct 25, 2017

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

20th percentile

0.84x

Higher debt load relative to assets than 20% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Liabilities / Revenue

76th percentile

24.95x

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

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Net Margin

89th percentile

18%

Higher net margin than 89% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Top Officer Pay

51st percentile

$97,142

Higher top officer pay than 51% of similar nonprofits.

Top officer pay equals 6.0% of source-year revenue.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2016

Asset Growth

70th percentile

5.1%

Faster asset growth than 70% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Revenue Growth

67th percentile

5.5%

Faster revenue growth than 67% of similar nonprofits.

2016 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets20th percentile

Assets

Up

$48,379,340

Up $2,368,760 (+5.1%) from 2015

Net Assets

Up

$7,848,185

Up $298,591 (+4.0%) from 2015

Liabilities

Up

$40,531,155

Up $2,070,169 (+5.4%) from 2015

Revenue And Expenses
Liabilities / Revenue76th percentileNet Margin89th percentile

Revenue

Up

$1,624,402

Up $84,939 (+5.5%) from 2015

Expenses

Up

$1,325,811

Up $169,868 (+15%) from 2015

Net Income

Down

$298,591

Down $84,929 (-22%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth70th 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

2016

Assets$48,379,340
Liabilities$40,531,155
Net Assets$7,848,185
Open 2016 Filing

Operations Trend

Revenue Growth67th 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

2016

Revenue$1,624,402
Expenses$1,325,811
Net Income$298,591
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Oct 25, 2017
Return Version
2016v3.0
Gross Receipts
$1,624,402
Mission and Program Overview

Mission

Credit union operated for mutual purposes without profit

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$23,433,164$28,151,213▲ $4,718,049
Savings and Temporary Cash Investments$18,513,188$16,182,164▼ $2,331,024
Rtn Earn Endowment Incm Other Fnds$7,549,594$7,848,185▲ $298,591
Cash and Non-Interest-Bearing Accounts$1,834,022$1,834,134▲ $112
Receivables From Officers Etc$1,244,241$1,128,553▼ $115,688
Land, Buildings, and Equipment, Net$379,543$353,276▼ $26,267
Prepaid Expenses and Deferred Charges$6,614$32,087▲ $25,473
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$46,010,580$48,379,340▲ $2,368,760
Other Assets Total$599,808$697,913▲ $98,105
Liabilities
Other Liabilities$38,204,354$40,267,179▲ $2,062,825
Accounts Payable and Accrued Expenses$256,632$263,976▲ $7,344
Total Liabilities$38,460,986$40,531,155▲ $2,070,169
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,549,594$7,848,185▲ $298,591
Total Liabilities and Net Assets / Fund Balance$46,010,580$48,379,340▲ $2,368,760

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$225,514$166,457$391,971
Leasehold Improvements$22,471$132,441$154,912
Land$100,000-$100,000
Other Land Buildings$5,291$57,346$62,637
Compensation and Service Providers
Top Officer Pay51st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Todd PowellCEO/PresidentFT$97,142$97,142
Will LoganVP Lending/SecrFT$73,180$73,180
Jeff WebbCFO/TreasurerFT$46,963$46,963

Board Members and Trustees

NameTitle
Erv WilliamsChairperson
Kenny MillerVice Chairman
Bob Green IIDirector
Chris PhillipsDirector
Mike RossiDirector
Roger LibbyDirector
Roy MediatyDirector
Angela GoldenSupervisory COM
Rich LlewellynSupervisory COM
Richard BarronSupervisory COM
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,313,042
Investment Income
$238,415
Other Revenue
$72,945
Change in Net Assets
$298,591

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,624,402
Revenue Not Reported on Form 990
$-155,783
Total Revenue per Audited Statements
$1,468,619
Total Revenue per Form 990
$1,624,402
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$729,124
Salaries, Compensation, and Employee Benefits$596,687
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$293,560
Current Officers, Directors, Trustees, and Key Employees---$217,285
Interest---$189,857
All Other Expenses---$135,927
Occupancy---$65,298
Payroll Taxes---$41,649
Travel---$35,239
Pension Plan Contributions---$23,953
Other Employee Benefits---$20,240
Fees for Services Accounting---$18,710
Other Expenses---$18,258
Insurance---$14,877
Fees for Services Legal---$10,331
Advertising---$8,223
Fees for Services Other---$6,969
Information Technology---$4,615
Depreciation Depletion---$2,760
Total Functional Expenses$0$0$0$1,325,811

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,325,811
Total Expenses per Form 990$1,325,811
Total Expenses per Audited Statements$1,170,028
Expenses Not Reported on Form 990$-155,783
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$1,244,241$1,128,553▼ $115,688
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$23,413,223
Draft Shares$7,297,847
Share Certificates$5,219,694
visa payments clearing$2,806,237
Ira Accounts$1,024,656
Roth IRA$332,919
Ira Share Certificates$150,451
other shares$22,152
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

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

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

“Documents may be obtained by written request.”

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
Gayle Furness
Title
CEO
Signed
2017-10-25
Discuss with paid preparer
Yes

Organization Details

Formed
1934
Legal Domicile
Wa
Voting Board Members
10
Independent Board Members
7
Employees
12
Volunteers
10

Preparer

Firm
Anastasi Moore & Martin Pllc
Address
9 South Washington St STE 600, Spokane, WA 99201-3709
Preparer
James A Moore CPA
Phone
5093230272
Supplemental Narrative

Additional Explanations

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

“: Column (A) - Total = $0; 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 = $12725; 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 = $13865; 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 = $4651; 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 = $6673; 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 = $0; 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 = $11405; 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 = $5844; 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 = $3004; 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 = $7414; 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 = $0; 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 = $1758; 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 = $218; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

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

“loan loss: Column (A) - Total = $11020; 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 = $547; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0”

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

“Loan Servicing: Column (A) - Total = $9903; 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 = $401; 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 = $6108; 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 = $4378; 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 = $13111; 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 = $5751; 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 = $17151; 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, 2016 and 2015, there are no uncertain positions taken or expected to be taken that would require recognition of a liability or 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.”

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/PersonNm0Kenny Miller
IRS990/Form990PartVIISectionAGrp/PersonNm1Erv Williams
IRS990/Form990PartVIISectionAGrp/PersonNm2Chris Phillips
IRS990/Form990PartVIISectionAGrp/PersonNm3Bob Green II
IRS990/Form990PartVIISectionAGrp/PersonNm4Roger Libby
IRS990/Form990PartVIISectionAGrp/PersonNm5Mike Rossi
IRS990/Form990PartVIISectionAGrp/PersonNm6Angela Golden
IRS990/Form990PartVIISectionAGrp/PersonNm7Roy Mediaty
IRS990/Form990PartVIISectionAGrp/PersonNm8Rich Llewellyn
IRS990/Form990PartVIISectionAGrp/PersonNm9Richard Barron
IRS990/Form990PartVIISectionAGrp/PersonNm10TODD POWELL
IRS990/Form990PartVIISectionAGrp/PersonNm11Jeff Webb
IRS990/Form990PartVIISectionAGrp/PersonNm12Will Logan
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
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/ReportableCompFromOrgAmt1097142
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1146963
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1273180
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
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IRS990/Form990PartVIISectionAGrp/TitleTxt1Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt2Director
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt9Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt10CEO/President
IRS990/Form990PartVIISectionAGrp/TitleTxt11CFO/Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP Lending/Secr
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IRS990/GrantsToDomesticOrgsGrp/TotalAmt00
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IRS990/GrantsToOrganizationsInd0false
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IRS990/IndependentAuditFinclStmtInd0true
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IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt04615
IRS990/InsuranceGrp/TotalAmt014877
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0189857
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
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IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
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IRS990/IRPDocumentCnt02490
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0356244
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0379543
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0353276
IRS990/LandBldgEquipCostOrOtherBssAmt0709520
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/NetAssetsOrFundBalancesBOYAmt07549594
IRS990/NetAssetsOrFundBalancesEOYAmt07848185
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt065298
IRS990/OfficeExpensesGrp/TotalAmt00
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0599808
IRS990/OtherAssetsTotalGrp/EOYAmt0697913
IRS990/OtherEmployeeBenefitsGrp/TotalAmt020240
IRS990/OtherExpensesGrp/Desc0credit cards program
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING expense
IRS990/OtherExpensesGrp/Desc2office equipment and supplies
IRS990/OtherExpensesGrp/Desc3Loan forms and documents
IRS990/OtherExpensesGrp/TotalAmt0132762
IRS990/OtherExpensesGrp/TotalAmt166934
IRS990/OtherExpensesGrp/TotalAmt218364
IRS990/OtherExpensesGrp/TotalAmt318258
IRS990/OtherLiabilitiesGrp/BOYAmt038204354
IRS990/OtherLiabilitiesGrp/EOYAmt040267179
IRS990/OtherRevenueMiscGrp/Desc0misc. income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt072945
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt072945
IRS990/OtherRevenueTotalAmt072945
IRS990/OtherSalariesAndWagesGrp/TotalAmt0293560
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt023433164
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt028151213
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt041649
IRS990/PensionPlanContributionsGrp/TotalAmt023953
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06614
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt032087
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc1interchange income
IRS990/ProgramServiceRevenueGrp/Desc2loan interest
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt082407
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1177953
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21052682
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt082407
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1177953
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21052682
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0245556
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0620972
IRS990/PYOtherRevenueAmt068947
IRS990/PYProgramServiceRevenueAmt01224960
IRS990/PYRevenuesLessExpensesAmt0383520
IRS990/PYSalariesCompEmpBnftPaidAmt0534971
IRS990/PYTotalExpensesAmt01155943
IRS990/PYTotalRevenueAmt01539463
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01244241
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01128553
IRS990/ReconcilationRevenueExpnssAmt0298591
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07549594
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt07848185
IRS990/SavingsAndTempCashInvstGrp/BOYAmt018513188
IRS990/SavingsAndTempCashInvstGrp/EOYAmt016182164
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0225514
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0166457
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0391971
IRS990ScheduleD/ExpensesNotReportedAmt0-155783
IRS990ScheduleD/ExpensesSubtotalAmt01325811
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt022471
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0132441
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0154912
IRS990ScheduleD/OtherExpensesIncludedAmt0-155783
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt05291
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt057346
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt062637
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07297847
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt11024656
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2150451
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt322152
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt423413223
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt5332919
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt65219694
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt72806237
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/OtherRevenueAmt0-155783
IRS990ScheduleD/RevenueNotReportedAmt0-155783
IRS990ScheduleD/RevenueSubtotalAmt01624402
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, 2016 and 2015, there are no uncertain positions taken or expected to be taken that would require recognition of a liability or 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.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0353276
IRS990ScheduleD/TotalExpensesPerForm990Amt01325811
IRS990ScheduleD/TotalLiabilityAmt040267179
IRS990ScheduleD/TotalRevenuePerForm990Amt01624402
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01468619
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01170028
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/ExplanationTxt1CEO will review Form 990 for accuracy before filing it
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Documents may be obtained by written request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4annual meeting expenses: Column (A) - Total = $12725; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ASSOCIATION DUES: Column (A) - Total = $13865; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Bank charges: Column (A) - Total = $4651; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7board of directors exp.: Column (A) - Total = $6673; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8cash over short: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9charitable donations: Column (A) - Total = $11405; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10compliance: Column (A) - Total = $5844; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11credit report: Column (A) - Total = $3004; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12exam fees: Column (A) - Total = $7414; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13foreclosure expense: Column (A) - Total = $0; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14heloc: Column (A) - Total = $1758; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15LICENSE FEE: Column (A) - Total = $218; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16loan loss: Column (A) - Total = $11020; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17Loan processing expense-FNMA: Column (A) - Total = $547; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt18Loan Servicing: Column (A) - Total = $9903; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt19newsletter website: Column (A) - Total = $401; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt20non-covered loss: Column (A) - Total = $6108; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt21Officer Discretionary expenses: Column (A) - Total = $4378; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt22Postage and Shipping: Column (A) - Total = $13111; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt23promotions: Column (A) - Total = $5751; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt24shared braching exp.: Column (A) - Total = $17151; 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
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part IX, Line 24e: Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part IX, Line 24e: Other Expenses

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$48,379,340
Liabilities
$40,531,155
Net assets
$7,848,185
Revenue
$1,624,402
Expenses
$1,325,811
Net income
$298,591
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
2016Detailed filing. Detailed filing data is available for this year.$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
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2016 filings • 501(c)14 • $25M-$50M nonprofits