Civic Intelligence

Spokane Firefighters Credit Union

990 • Fiscal year 2017 • EIN 91-0419072

Jan 01, 2017 to Dec 31, 2017 • Filed on May 30, 2018

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

0.83x

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

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Liabilities / Revenue

72nd percentile

23.43x

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

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Net Margin

85th percentile

19%

Higher net margin than 85% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Top Officer Pay

57th percentile

$105,883

Higher top officer pay than 57% of similar nonprofits.

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

2017 filings • 501(c)14 • $25M-$50M nonprofits • Source year 2017

Asset Growth

51st percentile

2.3%

Faster asset growth than 51% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Revenue Growth

69th percentile

8.5%

Faster revenue growth than 69% of similar nonprofits.

2017 filings • 501(c)14 • $25M-$50M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets20th percentile

Assets

Up

$49,474,378

Up $1,095,038 (+2.3%) from 2016

Net Assets

Up

$8,179,446

Up $331,261 (+4.2%) from 2016

Liabilities

Up

$41,294,932

Up $763,777 (+1.9%) from 2016

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin85th percentile

Revenue

Up

$1,762,413

Up $138,011 (+8.5%) from 2016

Expenses

Up

$1,431,152

Up $105,341 (+7.9%) from 2016

Net Income

Up

$331,261

Up $32,670 (+11%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth51st 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

2017

Assets$49,474,378
Liabilities$41,294,932
Net Assets$8,179,446
Open 2017 Filing

Operations Trend

Revenue Growth69th 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

2017

Revenue$1,762,413
Expenses$1,431,152
Net Income$331,261
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
May 30, 2018
Return Version
2017v2.2
Gross Receipts
$1,762,413
Mission and Program Overview

Mission

Credit union operated for mutual purposes without profit

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

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$28,151,213$31,067,118▲ $2,915,905
Savings and Temporary Cash Investments$16,182,164$13,960,816▼ $2,221,348
Rtn Earn Endowment Incm Other Fnds$7,848,185$8,179,446▲ $331,261
Receivables From Officers Etc$1,128,553$1,664,059▲ $535,506
Cash and Non-Interest-Bearing Accounts$1,834,134$1,601,708▼ $232,426
Land, Buildings, and Equipment, Net$353,276$337,189▼ $16,087
Prepaid Expenses and Deferred Charges$32,087$65,847▲ $33,760
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$48,379,340$49,474,378▲ $1,095,038
Other Assets Total$697,913$777,641▲ $79,728
Liabilities
Other Liabilities$40,267,179$40,960,165▲ $692,986
Accounts Payable and Accrued Expenses$263,976$334,767▲ $70,791
Total Liabilities$40,531,155$41,294,932▲ $763,777
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,848,185$8,179,446▲ $331,261
Total Liabilities and Net Assets / Fund Balance$48,379,340$49,474,378▲ $1,095,038

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$212,376$179,595$391,971
Leasehold Improvements$12,100$142,812$154,912
Land$100,000-$100,000
Other Land Buildings$12,713$61,270$73,983
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Todd PowellFormer Pres/CEOFT$99,890$5,993$105,883
Gayle FurnessCEOFT$99,900-$99,900
William LoganVP - LendingFT$72,597$4,356$76,953

Board Members and Trustees

NameTitle
Erv WilliamsChairperson
Mike ThompsonAssociate Director
Roy MediatyAssociate Director
Bill GonzalezDirector
Bob GreenDirector
Chris PhillipsDirector
Kenneth MillerDirector
Mike RossiDirector
Roger LibbyDirector
Angela GoldenSupervisory COM
Jeff WebbSupervisory COM
Richard BarronSupervisory COM
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,451,259
Investment Income
$230,791
Other Revenue
$80,363
Change in Net Assets
$331,261

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,539,760
Revenue Not Reported on Financial Statements
$222,653
Other Revenue Adjustments
$222,653
Total Revenue per Audited Statements
$1,539,760
Total Revenue per Form 990
$1,762,413
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$820,736
Salaries, Compensation, and Employee Benefits$599,823
Grants and Similar Amounts Paid$10,593
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$282,736
Other Salaries and Wages---$231,971
Interest---$201,275
All Other Expenses---$151,056
Occupancy---$70,828
Payroll Taxes---$43,480
Travel---$28,195
Other Expenses---$22,084
Other Employee Benefits---$21,649
Fees for Services Accounting---$20,456
Pension Plan Contributions---$19,987
Office Expenses---$17,375
Advertising---$15,093
Insurance---$13,693
Grants to Domestic Orgs---$10,593
Fees for Services Legal---$7,144
Fees for Services Other---$3,358
Depreciation Depletion---$3,333
Information Technology---$2,260
Total Functional Expenses$0$0$0$1,431,152

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,431,152
Expenses per Audited Statements$1,208,499
Total Expenses per Audited Statements$1,208,499
Expenses Not Reported on Financial Statements$222,653
Other Expense Adjustments$222,653
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$1,128,553$1,664,059▲ $535,506
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Regular Shares$24,016,971
Draft Shares$7,785,837
Share Certificates$4,793,655
visa payments clearing$2,997,102
Ira Accounts$911,956
Roth IRA$296,548
Ira Share Certificates$133,311
other shares$21,315
Other Shares$3,470
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 is completed.”

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
2018-05-30
Discuss with paid preparer
Yes

Organization Details

Formed
1934
Legal Domicile
Wa
Voting Board Members
12
Independent Board Members
12
Employees
11
Volunteers
12

Preparer

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

Additional Explanations

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

“annual meeting expenses: Column (A) - Total = $15210; 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 = $15593; 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 = $10035; 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 = $8442; 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 = $15364; 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 = $3972; 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 = $11209; 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 = $135; 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 = $644; 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 = $1083; 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 = $12406; 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 = $4511; 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 = $8936; 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 = $17437; 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 = $11831; 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 = $14248; 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, 2017 and 2016, 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.”

Part XI, Line 4B: Other revenue amounts included on 990 but not included in F/S

“Interest Expense $148635 Provision for Loan Losses $73802 Income After Provision for Loan Loss $216”

Part XII, Line 4B: Other revenue amounts included on 990 but not included in F/S

“Interest Expense $148635 Provision for Loan Losses $73802 Income After Provision for Loan Loss $216”

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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt144356
IRS990/Form990PartVIISectionAGrp/PersonNm0Mike Thompson
IRS990/Form990PartVIISectionAGrp/PersonNm1Jeff Webb
IRS990/Form990PartVIISectionAGrp/PersonNm2Erv Williams
IRS990/Form990PartVIISectionAGrp/PersonNm3Kenneth Miller
IRS990/Form990PartVIISectionAGrp/PersonNm4Chris Phillips
IRS990/Form990PartVIISectionAGrp/PersonNm5Bob Green
IRS990/Form990PartVIISectionAGrp/PersonNm6Mike Rossi
IRS990/Form990PartVIISectionAGrp/PersonNm7Roger Libby
IRS990/Form990PartVIISectionAGrp/PersonNm8Roy Mediaty
IRS990/Form990PartVIISectionAGrp/PersonNm9Bill Gonzalez
IRS990/Form990PartVIISectionAGrp/PersonNm10Richard Barron
IRS990/Form990PartVIISectionAGrp/PersonNm11Angela Golden
IRS990/Form990PartVIISectionAGrp/PersonNm12TODD POWELL
IRS990/Form990PartVIISectionAGrp/PersonNm13Gayle Furness
IRS990/Form990PartVIISectionAGrp/PersonNm14William 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/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1299890
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1399900
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1472597
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0Associate Dir.
IRS990/Form990PartVIISectionAGrp/TitleTxt1Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt2Chairperson
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Director
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Associate Dir.
IRS990/Form990PartVIISectionAGrp/TitleTxt9Director
IRS990/Form990PartVIISectionAGrp/TitleTxt10Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt11Supervisory Com
IRS990/Form990PartVIISectionAGrp/TitleTxt12Former Pres/CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt13CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP - Lending
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/Form990TFiledInd0false
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GrantsToDomesticIndividualsGrp/TotalAmt00
IRS990/GrantsToDomesticOrgsGrp/TotalAmt010593
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01762413
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0true
IRS990/IncmFromInvestBondProceedsGrp/TotalRevenueColumnAmt00
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt012
IRS990/IndivRcvdGreaterThan100KCnt00
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt02260
IRS990/InsuranceGrp/TotalAmt013693
IRS990/IntangibleAssetsGrp/EOYAmt00
IRS990/InterestGrp/TotalAmt0201275
IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/ExclusionAmt0230791
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0230791
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt0990
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0383677
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0353276
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0337189
IRS990/LandBldgEquipCostOrOtherBssAmt0720866
IRS990/LegalDomicileStateCd0WA
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0false
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To provide affordable credit and financial services to Spokane Firefighters and their families.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt07848185
IRS990/NetAssetsOrFundBalancesEOYAmt08179446
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt070828
IRS990/OfficeExpensesGrp/TotalAmt017375
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/BOYAmt0697913
IRS990/OtherAssetsTotalGrp/EOYAmt0777641
IRS990/OtherEmployeeBenefitsGrp/TotalAmt021649
IRS990/OtherExpensesGrp/Desc0credit cards program
IRS990/OtherExpensesGrp/Desc1DATA PROCESSING expense
IRS990/OtherExpensesGrp/Desc2loan loss
IRS990/OtherExpensesGrp/Desc3Loan forms and documents
IRS990/OtherExpensesGrp/TotalAmt0115388
IRS990/OtherExpensesGrp/TotalAmt175396
IRS990/OtherExpensesGrp/TotalAmt273802
IRS990/OtherExpensesGrp/TotalAmt322084
IRS990/OtherLiabilitiesGrp/BOYAmt040267179
IRS990/OtherLiabilitiesGrp/EOYAmt040960165
IRS990/OtherRevenueMiscGrp/Desc0misc. income
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt080363
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt080363
IRS990/OtherRevenueTotalAmt080363
IRS990/OtherSalariesAndWagesGrp/TotalAmt0231971
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt028151213
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt031067118
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt043480
IRS990/PensionPlanContributionsGrp/TotalAmt019987
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt032087
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt065847
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0FEES & CHARGES
IRS990/ProgramServiceRevenueGrp/Desc1interchange income
IRS990/ProgramServiceRevenueGrp/Desc2loan interest
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0107395
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1170737
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21173127
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0107395
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1170737
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21173127
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt0238415
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0729124
IRS990/PYOtherRevenueAmt072945
IRS990/PYProgramServiceRevenueAmt01313042
IRS990/PYRevenuesLessExpensesAmt0298591
IRS990/PYSalariesCompEmpBnftPaidAmt0596687
IRS990/PYTotalExpensesAmt01325811
IRS990/PYTotalRevenueAmt01624402
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt01128553
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt01664059
IRS990/ReconcilationRevenueExpnssAmt0331261
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07848185
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08179446
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016182164
IRS990/SavingsAndTempCashInvstGrp/EOYAmt013960816
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/BuildingsGrp/BookValueAmt0212376
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0179595
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0391971
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt0222653
IRS990ScheduleD/ExpensesSubtotalAmt01208499
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/LandGrp/BookValueAmt0100000
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100000
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt012100
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0142812
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0154912
IRS990ScheduleD/OtherExpensesNotIncludedAmt0222653
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt012713
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt061270
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt073983
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt07785837
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1911956
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2133311
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt321315
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt43470
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt524016971
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt6296548
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt74793655
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt82997102
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Draft Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1IRA ACCOUNTS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2IRA SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3other shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4Other Shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5REGULAR SHARES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc6Roth IRA
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc7SHARE CERTIFICATES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc8visa payments clearing
IRS990ScheduleD/OtherRevenuesNotIncludedAmt0222653
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt0222653
IRS990ScheduleD/RevenueSubtotalAmt01539760
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, 2017 and 2016, 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/ExplanationTxt1Interest Expense $148635 Provision for Loan Losses $73802 Income After Provision for Loan Loss $216
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt2Interest Expense $148635 Provision for Loan Losses $73802 Income After Provision for Loan Loss $216
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Part X : FIN48 Footnote
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1Part XI, Line 4b: Other revenue amounts included on 990 but not included in F/S
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc2Part XII, Line 4b: Other revenue amounts included on 990 but not included in F/S
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0337189
IRS990ScheduleD/TotalExpensesPerForm990Amt01431152
IRS990ScheduleD/TotalLiabilityAmt040960165
IRS990ScheduleD/TotalRevenuePerForm990Amt01762413
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01539760
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01208499
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 is completed.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Documents may be obtained by written request.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3annual meeting expenses: Column (A) - Total = $15210; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ASSOCIATION DUES: Column (A) - Total = $15593; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Bank charges: Column (A) - Total = $10035; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6board of directors exp.: Column (A) - Total = $8442; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7compliance: Column (A) - Total = $15364; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8credit report: Column (A) - Total = $3972; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9exam fees: Column (A) - Total = $11209; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10heloc: Column (A) - Total = $135; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11LICENSE FEE: Column (A) - Total = $644; Column (B) - Program Services = $0; Column (C) - Management & General = $0; Column (D) - Fundraising = $0
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Loan processing expense-FNMA: Column (A) - Total = $1083; 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

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$49,474,378
Liabilities
$41,294,932
Net assets
$8,179,446
Revenue
$1,762,413
Expenses
$1,431,152
Net income
$331,261
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
2017Detailed filing. Detailed filing data is available for this year.$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