FIREFIGHTERS CREDIT UNION

EIN: 396050488

Onalaska, WI

Total Revenue
$5,850,393
Total Expenses
$5,143,116
Total Assets
$120,046,465
Net Assets
$17,812,833
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Financial Vulnerability Assessment (Tuckman-Chang)

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Financial Trends

Organization Details

Formation Year
1931
Legal Domicile
WI
Principal Officer
Bruce Zmolek
Phone
6087849480
Tax Period
2023-01-01 to 2023-12-31

FIREFIGHTERS CREDIT UNION, founded in 1931, is a community nonprofit that reported $5.9M in total revenue in fiscal year 2023. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $5.1M left a modest 12% surplus.

Mission

Firefighters Credit Union is a cooperative, nonprofit corporation, incorporated under Wisconsin State Law to encourage thrift among its members, create a source of credit at a fair and reasonable cost, and provide an opportunity for its members to improve their economic and social conditions.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $5,475,534
Investment Income $374,859
Other Revenue $0
TOTAL REVENUE $5,850,393

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,914,951
Fundraising Expenses $0
Program Expenses $5,143,116
Other Expenses $3,228,165
TOTAL EXPENSES $5,143,116

Year-over-Year Comparison

2023 2022 Change
Revenue $5,850,393 $4,695,385 +0.2%
Expenses $5,143,116 $3,866,482 +0.3%
Net Income $707,277 $828,903 -0.1%
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

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Governance

Voting Members
7
Independent Members
7
Employees
36
Volunteers
N/A

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
2
$312,322
Total Directors
7
$7,800
Key Employees
1
$100,019
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Bruce Zmolek President 40
Officer
$182,697 $23,442 $206,139
Amy Fruit Chief Financial Officer 40
Officer
$101,478 $4,705 $106,183
Connie Garbers Director of Compliance & Operations 40
Key Emp
$94,960 $5,059 $100,019
Gerald Seubert Board Member 1
Director
$1,500 $0 $1,500
Anastasia Gentry Vice Chairman 1
Director
$1,425 $0 $1,425
Katrina Lewis Treasurer 1
Director
$1,425 $0 $1,425
Michael Gazeley Chairman 0.5
Director
$1,050 $0 $1,050
Dave Schatzley Secretary 0.50
Director
$900 $0 $900
Tom Vierling Board Member 0.50
Director
$825 $0 $825
Tony Szak Board Member 0.50
Director
$675 $0 $675
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
2025 No data No data No data No data
2024 No data No data No data No data
2023 $5,850,393 $5,143,116 $120,046,465 $707,277
2022 $4,695,385 $3,866,482 $113,613,482 $828,903
2021 $5,177,427 $3,870,312 $103,655,154 $1,307,115
2020 $5,413,674 $4,045,807 $97,688,468 $1,367,867
2019 $5,022,151 $3,932,115 $89,555,690 $1,090,036
2018 $4,562,301 $3,526,809 $84,214,510 $1,035,492
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