Civic Intelligence

International Association of Fire Fighters

990 • Fiscal year 2016 • EIN 95-0949175

Jan 01, 2016 to Dec 31, 2016 • Filed on Nov 22, 2017

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

63rd percentile

0.90x

Higher debt load relative to assets than 63% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Liabilities / Revenue

72nd percentile

22.01x

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

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Net Margin

33rd percentile

14%

Higher net margin than 33% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Top Officer Pay

66th percentile

$1,042,390

Higher top officer pay than 66% of similar nonprofits.

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

2016 filings • 501(c)14 • $1B+ nonprofits • Source year 2016

Asset Growth

52nd percentile

8.9%

Faster asset growth than 52% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Revenue Growth

23rd percentile

6.1%

Faster revenue growth than 23% of similar nonprofits.

2016 filings • 501(c)14 • $1B+ nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets63rd percentile

Assets

Up

$1,150,509,281

Up $94,235,488 (+8.9%) from 2015

Net Assets

Up

$112,385,673

Up $6,830,344 (+6.5%) from 2015

Liabilities

Up

$1,038,123,608

Up $87,405,144 (+9.2%) from 2015

Revenue And Expenses
Liabilities / Revenue72nd percentileNet Margin33rd percentile

Revenue

Up

$47,155,486

Up $2,712,853 (+6.1%) from 2015

Expenses

Up

$40,387,936

Up $1,888,287 (+4.9%) from 2015

Net Income

Up

$6,767,550

Up $824,566 (+14%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth52nd 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

2016

Assets$1,150,509,281
Liabilities$1,038,123,608
Net Assets$112,385,673
Open 2016 Filing

Operations Trend

Revenue Growth23rd 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

2016

Revenue$47,155,486
Expenses$40,387,936
Net Income$6,767,550
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Nov 22, 2017
Return Version
2016v3.0
Gross Receipts
$47,577,746
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.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$887,790,672$898,772,308▲ $10,981,636
Investments Other Securities$116,523,284$187,951,304▲ $71,428,020
Rtn Earn Endowment Incm Other Fnds$105,555,329$112,385,673▲ $6,830,344
Land, Buildings, and Equipment, Net$18,601,115$17,431,983▼ $1,169,132
Accounts Receivable$2,056,570$14,065,519▲ $12,008,949
Cash and Non-Interest-Bearing Accounts$3,187,921$4,436,586▲ $1,248,665
Investments in Publicly Traded Securities$3,377,303$3,079,214▼ $298,089
Prepaid Expenses and Deferred Charges$1,301,403$1,397,636▲ $96,233
Savings and Temporary Cash Investments$2,965,000$1,229,000▼ $1,736,000
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$1,056,273,793$1,150,509,281▲ $94,235,488
Other Assets Total$20,470,525$22,145,731▲ $1,675,206
Liabilities
Other Liabilities$911,333,039$1,026,891,931▲ $115,558,892
Mortgage Notes Payable Secured by Investment Property$37,500,000$0▼ $37,500,000
Accounts Payable and Accrued Expenses$633,920$10,434,571▲ $9,800,651
Escrow Account Liability$1,251,505$797,106▼ $454,399
Total Liabilities$950,718,464$1,038,123,608▲ $87,405,144
Net Assets / Fund Balance
Total Net Assets Fund Balance$105,555,329$112,385,673▲ $6,830,344
Total Liabilities and Net Assets / Fund Balance$1,056,273,793$1,150,509,281▲ $94,235,488

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$11,083,642$11,108,253$22,191,895
Equipment$2,045,325$7,424,021$9,469,346
Other Land Buildings$1,649,819$4,831,770$6,481,589
Land$2,653,197-$2,653,197
Other Securities$15,040,166--
Compensation and Service Providers
Top Officer Pay66th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael MastroCEOFT$486,748$567,989$1,054,737
Dixie AbramianEvpFT$355,027$111,636$466,663
Jason Torrey-payneFinancial AdvisorFT$393,947$41,854$435,801
Matthew MitchellSVP Lending/operationsFT$262,192$66,330$328,522
Dyan MashmanSVP ItFT$208,384$56,682$265,066
Kelly RamsaySVP MarketingFT$206,940$45,703$252,643
Mary SteudleSVP HrFT$195,604$46,836$242,440
Cynthia IwamotoVP ControllerFT$158,231$61,876$220,107
Sundeep JainVP LendingFT$168,073$30,769$198,842
Bradley MillerCFOFT$137,591$38,355$175,946
Andy TranDirector Technical ServiceFT$140,682$28,972$169,654
Stacey MillerDirector Regional OfficesFT$119,588$13,453$133,041
Christina MeyersDirector It/operationsFT$118,218$9,575$127,793
Joseph KimSenior System EngineerFT$116,532$9,326$125,858
Richard DillonCFOFT$31,922-$31,922

Board Members and Trustees

NameTitle
Scott GribbonsChair
John Buck1st Vice Chair
Richard Frawley2nd Vice Chair
Gerald HorwedelDirector
John CermakDirector
John DucaDirector
John M DoddDirector
Lawrence MetzDirector
Marv WilliamsDirector
Pat EngelDirector
Sheldon MckowanDirector
Vince CardinaleDirector
Wayne SchuetzDirector
Greg PorterSecretary
Ronald JacksonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
FiservSystem Core Processor255 FISERV DR, Brookfield, WI 53045$1,111,060
Digital InsightHome Banking1300 SEAPORT BLVD SUITE 300, Redwood City, CA 94063$949,439
WasatchJanitorial Services807 E SOUTH TEMPLE, Salt Lake City, UT 84102$412,497
ClickAppraisal ServicePO BOX 56834, Hayward, CA 94545$345,020
At&tPhone System208 SOUTH AKARD ST, Dallas, TX 75202$343,237
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$45,579,120
Investment Income
$1,060,761
Other Revenue
$515,605
Change in Net Assets
$6,767,550
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$16,989,612
Salaries, Compensation, and Employee Benefits$15,176,841
Grants and Similar Amounts Paid$30,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Comp Disqual Persons---$9,478,420
Benefits to Members---$8,191,483
Fees for Services Other---$4,565,370
Current Officers, Directors, Trustees, and Key Employees---$3,236,888
Office Expenses---$2,595,005
Depreciation Depletion---$2,466,498
Other Employee Benefits---$1,523,491
Occupancy---$1,165,830
Payroll Taxes---$909,227
All Other Expenses---$899,444
Advertising---$762,455
Travel---$583,579
Other Expenses---$271,150
Fees for Services Legal---$197,533
Insurance---$178,699
Interest---$143,158
Fees for Services Accounting---$49,835
Fees for Service Investment Mgmnt Fees---$34,073
Grants to Domestic Individuals---$30,000
Pension Plan Contributions---$28,815
Total Functional Expenses$0$0$0$40,387,936
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$1,026,891,931
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.”

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 11B

“Form 990 will be reviewed by the vp controller, cfo 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
CEO
Phone
3232541700
Signed
2017-11-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Dixie Abramian
Formed
1935
Legal Domicile
CA
Voting Board Members
15
Independent Board Members
15
Employees
193
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 715,814. Depository services 955,488. Consultants 2,894,068.”

Financial Statement Notes

PART IV, LINE 2B:

“Cu holds funds in escrow to pay taxes and insurance on behalf of its mortgage loan members.”

Raw XML AppendixShowing 400 of 857 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/ActivityOrMissionDesc0TO 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.
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IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt18CFO
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IRS990/Form990PartVIISectionAGrp/TitleTxt20SVP LENDING/OPERATIONS
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IRS990/Form990PartVIISectionAGrp/TitleTxt22SVP HR
IRS990/Form990PartVIISectionAGrp/TitleTxt23VP CONTROLLER
IRS990/Form990PartVIISectionAGrp/TitleTxt24VP LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt25FINANCIAL ADVISOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26DIRECTOR TECHNICAL SERVICE
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR REGIONAL OFFICES
IRS990/Form990PartVIISectionAGrp/TitleTxt28DIRECTOR IT/OPERATIONS
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$1,150,509,281
Liabilities
$1,038,123,608
Net assets
$112,385,673
Revenue
$47,155,486
Expenses
$40,387,936
Net income
$6,767,550
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