FIREFIGHTERS CREDIT UNION (EIN 351007782) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1956

Legal Domicile

Principal Officer

MELODY SELF

Phone

8004621431

Tax Period

2024-01-01 to 2024-12-31

FIREFIGHTERS CREDIT UNION, founded in 1956, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2024. The organization ran a surplus of $535K, a strong 15% operating margin.

Mission

PROVIDE LOAN, DEPOSIT, AND FINANCIAL SERVICES TO APPROXIMATELY 4,914 MEMBERS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $2,180,150

Investment Income $877,401

Other Revenue $481,970

TOTAL REVENUE $3,539,521

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,075,727

Fundraising Expenses $0

Other Expenses $1,928,532

TOTAL EXPENSES $3,004,259

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,539,521	$3,319,358	+0.1%
Expenses	$3,004,259	$2,930,518	+0.0%
Net Income	$535,262	$388,840	+0.4%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$290,960

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MELODY SELF	CEO/PRESIDEN	40.00	Officer	$145,410	$20,378	$165,788
DEIRDRE GERRON	VICE PRESIDE	40.00	Officer	$105,983	$19,189	$125,172
DAVID HARMAN	DIRECTOR	1.00	Director	$0	$0	$0
NATHANIEL HARMAN	TREASURER	1.00	Officer Director	$0	$0	$0
GREGORY HARRIS	CHAIRMAN	1.00	Officer Director	$0	$0	$0
MARK HARVEY	2ND VICE CHA	1.00	Officer Director	$0	$0	$0
JERRY HOUSEL	SECRETARY	1.00	Officer Director	$0	$0	$0
RON KAUSKY	DIRECTOR	1.00	Director	$0	$0	$0
BERNIE MICKLER	DIRECTOR	1.00	Director	$0	$0	$0
RITA REITH	DIRECTOR	1.00	Director	$0	$0	$0
JASON SMITH	1ST VICE CHA	1.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$3,539,521	$3,004,259	$85,200,613	$535,262
2023	$3,319,358	$2,930,518	$81,366,116	$388,840
2022	$2,731,615	$2,468,386	$87,580,317	$263,229
2021	$2,760,339	$2,257,821	$84,585,258	$502,518
2020	$2,540,426	$2,381,853	$78,110,259	$158,573
2019	$2,792,162	$2,421,454	$66,774,557	$370,708
2018	$2,701,248	$2,312,320	$67,470,282	$388,928

FIREFIGHTERS CREDIT UNION