Civic Intelligence

International Association of Fire Fighters

990 • Fiscal year 2015 • EIN 95-0949175

Jan 01, 2015 to Dec 31, 2015 • Filed on Aug 10, 2016

Organization ProfileWWW.FIREFIGHTERSFIRSTCU.ORG

View Organization Page

815 Colorado BlvdLos Angeles, CA 90041

(323) 254-1700

Siviq Scores

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

Liabilities / Assets

62nd percentile

0.90x

Higher debt load relative to assets than 62% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Liabilities / Revenue

66th percentile

21.39x

Higher debt load relative to revenue than 66% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Net Margin

22nd percentile

13%

Higher net margin than 22% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Top Officer Pay

65th percentile

$994,225

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

2015 filings • 501(c)14 • $1B+ nonprofits • Source year 2015

Asset Growth

69th percentile

10%

Faster asset growth than 69% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Revenue Growth

21st percentile

3.3%

Faster revenue growth than 21% of similar nonprofits.

2015 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$1,056,273,793

Up $100,178,256 (+10%) from 2014

Net Assets

Up

$105,555,329

Up $6,012,940 (+6.0%) from 2014

Liabilities

Up

$950,718,464

Up $94,165,316 (+11%) from 2014

Revenue And Expenses
Liabilities / Revenue66th percentileNet Margin22nd percentile

Revenue

Up

$44,442,633

Up $1,434,591 (+3.3%) from 2014

Expenses

Up

$38,499,649

Up $2,244,928 (+6.2%) from 2014

Net Income

Down

$5,942,984

Down $810,337 (-12%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth69th percentile

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

$1.5B$1.0B$500M$0Assets 2010: $862,075,385Liabilities 2010: $787,119,058Net Assets 2010: $74,956,3272010Assets 2011: $816,207,558Liabilities 2011: $736,168,915Net Assets 2011: $80,038,6432011Assets 2012: $835,316,196Liabilities 2012: $748,526,010Net Assets 2012: $86,790,1862012Assets 2013: $856,665,760Liabilities 2013: $763,853,969Net Assets 2013: $92,811,7912013Assets 2014: $956,095,537Liabilities 2014: $856,553,148Net Assets 2014: $99,542,3892014Assets 2015: $1,056,273,793Liabilities 2015: $950,718,464Net Assets 2015: $105,555,3292015Assets 2016: $1,150,509,281Liabilities 2016: $1,038,123,608Net Assets 2016: $112,385,6732016Assets 2017: $1,207,572,674Liabilities 2017: $1,094,202,490Net Assets 2017: $113,370,1842017

Highlighted filing

2015

Assets$1,056,273,793
Liabilities$950,718,464
Net Assets$105,555,329
Open 2015 Filing

Operations Trend

Revenue Growth21st percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60M$40M$20M$0Expenses 2010: $50,596,1862010Expenses 2011: $36,128,5762011Expenses 2012: $33,008,4072012Revenue 2013: $41,622,998Expenses 2013: $34,366,653Net Income 2013: $7,256,3452013Revenue 2014: $43,008,042Expenses 2014: $36,254,721Net Income 2014: $6,753,3212014Revenue 2015: $44,442,633Expenses 2015: $38,499,649Net Income 2015: $5,942,9842015Revenue 2016: $47,155,486Expenses 2016: $40,387,936Net Income 2016: $6,767,5502016Revenue 2017: $12,109,605Expenses 2017: $11,115,701Net Income 2017: $993,9042017

Highlighted filing

2015

Revenue$44,442,633
Expenses$38,499,649
Net Income$5,942,984
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Aug 10, 2016
Return Version
2015v2.1
Gross Receipts
$44,774,645
Mission and Program Overview

Mission

To provide financial services exclusively to firefighters throughout the state of california. We strive to offer the best rates and services to our membership. Effective april 18, 2017, we are federally insured and offer services to firefighters nationwide.

To provide financial services exclusively to firefighters throughout the state of california. We strive to offer the best rates and services to our membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$810,910,123$887,790,672▲ $76,880,549
Investments Other Securities$59,247,992$116,523,284▲ $57,275,292
Rtn Earn Endowment Incm Other Fnds$99,542,389$105,555,329▲ $6,012,940
Land, Buildings, and Equipment, Net$19,577,823$18,601,115▼ $976,708
Investments in Publicly Traded Securities$25,062,627$3,377,303▼ $21,685,324
Cash and Non-Interest-Bearing Accounts$2,765,806$3,187,921▲ $422,115
Savings and Temporary Cash Investments-$2,965,000-
Accounts Receivable$2,964,814$2,056,570▼ $908,244
Prepaid Expenses and Deferred Charges$1,474,752$1,301,403▼ $173,349
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$956,095,537$1,056,273,793▲ $100,178,256
Other Assets Total$34,091,600$20,470,525▼ $13,621,075
Liabilities
Other Liabilities$815,471,336$911,333,039▲ $95,861,703
Mortgage Notes Payable Secured by Investment Property$40,000,000$37,500,000▼ $2,500,000
Escrow Account Liability$1,081,812$1,251,505▲ $169,693
Accounts Payable and Accrued Expenses-$633,920-
Total Liabilities$856,553,148$950,718,464▲ $94,165,316
Net Assets / Fund Balance
Total Net Assets Fund Balance$99,542,389$105,555,329▲ $6,012,940
Total Liabilities and Net Assets / Fund Balance$956,095,537$1,056,273,793▲ $100,178,256

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$12,191,231$9,875,320$22,066,551
Equipment$2,183,237$6,717,544$8,900,781
Other Land Buildings$1,573,450$4,315,197$5,888,647
Land$2,653,197-$2,653,197
Other Securities$22,596,816--
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael MastroCEOFT$497,756$504,299$1,002,055
Dixie AbramianEvpFT$289,578$126,743$416,321
Jason Torrey-payneFinancial AdvisorFT$365,604$44,869$410,473
Matthew MitchellSVP Lending/operationsFT$219,542$90,682$310,224
Kelly RamsaySVP MarketingFT$195,734$59,552$255,286
Dyan MashmanSVP ItFT$190,053$59,778$249,831
Cynthia IwamotoVP ControllerFT$157,143$77,031$234,174
Mary SteudleSVP HrFT$162,998$54,334$217,332
Sundeep JainVP LendingFT$144,250$48,152$192,402
Bradley MillerCFOFT$168,214$15,699$183,913
Natalie CrosbyDirector Member ExperienceFT$97,498$74,798$172,296
Andy TranDirector Technical ServicesFT$131,572$21,911$153,483
Christina MeyersDirector It/operationsFT$131,098$13,516$144,614
Wendy NowlenOperations/card Service ManagerFT$113,759$7,860$121,619
John Buck2nd Vice ChairPT$3,745-$3,745
Gerald HorwedelChairPT$2,451-$2,451
Richard FrawleyDirectorPT$2,157-$2,157
Lawrence MetzDirectorPT$1,965-$1,965
Vince CardinaleDirectorPT$1,267-$1,267
Sheldon MckowanDirectorPT$1,095-$1,095
John M DoddTreasurerPT$838-$838
Marv WilliamsDirectorPT$726-$726
Scott Gribbons1st Vice ChairPT$683-$683
Ronald JacksonDirectorPT$639-$639
John CermakDirectorPT$613-$613
John DucaDirectorPT$605-$605

Board Members and Trustees

NameTitle
Greg PorterDirector
Pat EngelDirector
Wayne SchuetzSecretary

Highest Paid Contractors

ContractorServicesLocationCompensation
Digital InsightHome Banking1300 SEAPORT BLVD SUITE 300, Redwood City, CA 94063$820,453
FiservSystem Core Processor255 FISERV DR, Brookfield, WI 53045$529,353
It PartnersIt System Maintenance6939 S HARL AVE, Tempe, AZ 85283$514,069
A T & TPhone System208 SOUTH AKARD ST, Dallas, TX 75202$327,096
Kollner GroupConsultant15332 ANTIOCH ST PMB 335, Pacific Palisades, CA 90272$272,811
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$42,911,534
Investment Income
$956,466
Other Revenue
$574,633
Change in Net Assets
$5,942,984
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$17,314,589
Salaries, Compensation, and Employee Benefits$14,096,471
Grants and Similar Amounts Paid$12,500
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$8,636,061
Benefits to Members---$7,076,089
Fees for Services Other---$4,655,365
Current Officers, Directors, Trustees, and Key Employees---$3,077,717
Office Expenses---$2,681,561
Depreciation Depletion---$2,626,636
Other Employee Benefits---$1,412,948
Advertising---$1,203,405
Occupancy---$1,092,096
Payroll Taxes---$881,296
Travel---$577,113
Interest---$419,058
Fees for Services Legal---$221,485
Insurance---$189,052
Other Expenses---$179,255
Pension Plan Contributions---$88,449
Fees for Services Accounting---$71,246
Fees for Service Investment Mgmnt Fees---$38,405
Grants to Domestic Individuals---$12,500
Total Functional Expenses$0$0$0$38,499,649
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share Deposits$911,333,039
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union's members have rights to elect the members of the governing body. The credit union's members also receive a share of the organization's profits in the form of cash dividends upon approval from the board of directors.”

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

“Members of the credit union have the right to elect one or more members of the organization's governing body, whether periodically, or as vacancies arise, or otherwise.”

Form 990, Part VI, Section A, Line 7B

“Members of the credit union have the right to approve the governing body's election and removal of members of the governing body, as well as other matters that are subject to the approval of members of the credit union as they occur.”

Form 990, Part VI, Section B, Line 11

“Form 990 will be reviewed by the svp of finance and ceo and also presented to the board of directors for review and approval.”

Form 990, Part VI, Section B, Line 12C

“On an annual basis all employees and board of directors complete and sign an individual disclosure indicating any possible conflict of interest. This is then reviewed by human resources, internal audit, and the supervisory committee.”

Form 990, Part VI, Section B, Line 15

“On an annual basis human resources completes an analysis of all positions utilizing data from third party surveys and presents the compensation to the ceo. In addition, on occasion, the credit union will use an independent third party to conduct a detailed review for officers and key employees.”

Form 990, Part VI, Section C, Line 19

“Governing documents, conflicts of interest policy, and financial statements are available upon request for the same period of disclosure as set forth in section 6104(d). The credit union also sends quarterly call reports data on their financials to the regulatory agency, ncua and asi.”

Filing and Contact Details

Filer

Filer Name
Firefighters First Credit Union
EIN
95-0949175
Phone
3232541700
Address
815 COLORADO BLVD, LOS ANGELES, CA 90041

Signing Officer

Name
Dixie Abramian
Title
COO
Phone
3232541700
Signed
2016-08-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Mastro
Formed
1935
Legal Domicile
CA
Voting Board Members
15
Independent Board Members
15
Employees
168
Volunteers
18

Preparer

Firm
Rsm US Llp
Address
801 NICOLLET MALL SUITE 1100, MINNEAPOLIS, MN 55402
Preparer
Gerald B Kissell
Phone
6123324300
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Atm services 533,107. Depository services 2,707,185. Consultants 1,213,027. Other/misc. 202,046.”

Financial Statement Notes

PART IV, LINE 2B:

“Firefighters first credit union holds funds in escrow to pay taxes and insurance on behalf of its mortgage loan members.”

Raw XML AppendixShowing 400 of 862 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt19SVP MARKETING
IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP LENDING/OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt21SVP IT
IRS990/Form990PartVIISectionAGrp/TitleTxt22SVP HR
IRS990/Form990PartVIISectionAGrp/TitleTxt23FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR MEMBER EXPERIENCE
IRS990/Form990PartVIISectionAGrp/TitleTxt25VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR TECHNICAL SERVICES
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR IT/OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt28OPERATIONS/CARD SERVICE MANAGER
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Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,056,273,793
Liabilities
$950,718,464
Net assets
$105,555,329
Revenue
$44,442,633
Expenses
$38,499,649
Net income
$5,942,984
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017Summary only. Only limited summary data is available for this year.$1,208$1,094$113$12.1$11.1$0.99
2016Detailed filing. Detailed filing data is available for this year.$1,151$1,038$112$47.2$40.4$6.77
2015Detailed filing. Detailed filing data is available for this year.$1,056$951$106$44.4$38.5$5.94
2014Detailed filing. Detailed filing data is available for this year.$956$857$99.5$43.0$36.3$6.75
2013Summary only. Only limited summary data is available for this year.$857$764$92.8$41.6$34.4$7.26
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$835$749$86.8$33.0
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$816$736$80.0$36.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$862$787$75.0$50.6