FIRE FIGHTERS CREDIT UNION

EIN: 730528996

Tulsa, OK

Total Revenue
$3,147,857
Total Expenses
$2,644,156
Total Assets
$48,885,463
Net Assets
$9,166,844
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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
1939
Legal Domicile
OK
Principal Officer
Kevin Hill
Phone
9185821191
Tax Period
2025-01-01 to 2025-12-31

FIRE FIGHTERS CREDIT UNION, founded in 1939, is a community nonprofit that reported $3.1M in total revenue in fiscal year 2025. The organization ran a surplus of $504K, a strong 16% operating margin.

Mission

Credit Union

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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 (2025)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,447,444
Investment Income $700,413
Other Revenue $0
TOTAL REVENUE $3,147,857

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,299,079
Fundraising Expenses $0
Program Expenses $2,644,156
Other Expenses $1,212,856
TOTAL EXPENSES $2,644,156

Year-over-Year Comparison

2025 2024 Change
Revenue $3,147,857 $3,026,134 +0.0%
Expenses $2,644,156 $2,506,123 +0.1%
Net Income $503,701 $520,011 0.0%
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
9
Volunteers
7

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
4
$661,642
Total Directors
7
$0
Key Employees
4
$661,642
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Frances Reed CEO 40
Officer Key Emp Highest
$233,233 $19,178 $252,411
Susan Driggers COO 40
Officer Key Emp
$125,897 $19,177 $145,074
Kevin Hill CFO 40
Officer Key Emp
$114,433 $19,098 $133,531
Lori Cazenave CIO 40
Officer Key Emp
$111,554 $19,072 $130,626
Peggy Smith Board Member 0
Director
$0 $0 $0
James Walker Board Member 0
Director
$0 $0 $0
Selena Meyer Board Member 0
Director
$0 $0 $0
Renee Profitt Board Member 0
Director
$0 $0 $0
Bill Goswick Board Member 0
Director
$0 $0 $0
Gordon Gingrich Board Member 0
Director
$0 $0 $0
Janet Jackson Board Member 0
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
2025 $3,147,857 $2,644,156 $48,885,463 $503,701
2024 $3,026,134 $2,506,123 $45,491,363 $520,011
2023 $2,813,181 $2,266,488 $43,587,151 $546,693
2022 $2,409,297 $1,957,038 $46,607,849 $452,259
2021 $1,939,110 $1,817,784 $42,787,595 $121,326
2020 $2,124,347 $1,920,979 $41,661,295 $203,368
2019 $2,313,233 $1,880,390 $38,086,546 $432,843
2018 $2,234,370 $2,099,911 $37,861,744 $134,459
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