Nonprofit · EIN 04-1989205
WORCESTER FIRE DEPT CREDIT UNION
Tax-exempt · WORCESTER, MA 01605
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $1,473,931 | $1,225,133 | $248,798 | $47,704,102 | $41,666,073 | $6,038,029 |
| December 31, 2024 | 990 | $1,236,248 | $1,206,594 | $29,654 | $44,946,785 | $39,157,554 | $5,789,231 |
| December 31, 2023 | 990 | $1,124,089 | $1,066,716 | $57,373 | $45,647,147 | $39,887,570 | $5,759,577 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $693,893
- Investment income
- $780,038
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $274,616
- Compensation of officers, directors and key employees
- $179,252
- Other salaries and wages
- $157,582
- Salaries, compensation and benefits (total)
- $425,580
- Professional fundraising fees
- $0
- Legal fees
- $385
- Accounting fees
- $30,253
- Occupancy
- $74,375
- Travel
- $11,829
- Depreciation
- $17,875
- Program services (functional)
- $1,225,133
Balance sheet and other
- Total assets, start of year
- $44,946,785
- Total assets, end of year
- $47,704,102
- Total liabilities, end of year
- $41,666,073
- Net assets, end of year
- $6,038,029
- Land, buildings and equipment
- $613,889
- Gross receipts
- $1,473,931
- Employees
- 6
- Volunteers
- 9
- Year formed
- 1937
- State of legal domicile
- MA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| Lisa Carmody | Manager Officer, Key employee, Highest-paid employee | 40 | $106,626 | $6,463 |
| Daniel Spencer | Treasurer Trustee or director, Officer, Key employee, Former | 20 | $35,533 | $4,010 |
| Gerard Dio | President Trustee or director, Officer, Key employee | 20 | $37,093 | $0 |
| Brian Tangney | janitor Former | 10 | $8,729 | $0 |
| Arthur Davison | Director Trustee or director, Officer | 1 | $0 | $0 |
| Josh Watson | Director Trustee or director, Officer | 1 | $0 | $0 |
| Michael Badjo | Director Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Lisa Carmody | Manager Officer, Key employee | 40 | $106,000 |
| Daniel Spencer | Treasurer Trustee or director, Officer, Key employee | 20 | $39,000 |
| Gerard Dio | President Trustee or director, Officer | 20 | $30,000 |
| Brian Tangney | Director Trustee or director | 10 | $15,000 |
| Robert Johnson | Vice President Trustee or director, Officer | 0.5 | $0 |
| Arthur Davison | Director Trustee or director | 0.5 | $0 |
| Michael Coakley | Director Trustee or director | 0.5 | $0 |
| Josh Watson | Director Trustee or director | 0.5 | $0 |
| Matthew Coakley | Director Trustee or director | 0.5 | $0 |
990 for the year ended December 31, 2023: 9 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| Lisa Carmody | Manager Highest-paid employee | 40 | $105,061 |
| Daniel Spencer | Treasurer Trustee or director, Officer | 20 | $39,263 |
| Gerard Dio | President Trustee or director, Officer | 15 | $34,711 |
| Brian Tangney | Director Trustee or director | 10 | $8,730 |
| Robert Johnson | Vice President Trustee or director, Officer | 1 | $0 |
| Arthur Davison | Director Trustee or director | 1 | $0 |
| Michael Coakley | Director Trustee or director | 1 | $0 |
| Josh Watson | Director Trustee or director | 1 | $0 |
| Matthew Coakley | Director Trustee or director | 1 | $0 |
Address and contacts
- Address (IRS master file)
- 34 GLENNIE ST, WORCESTER, MA 01605-3917
- Principal officer (990 for 2025)
- Gerard A Dio, 34 Glennie Street, 34 Glennie Street, Worcester, MA 01605
- Signed the 990
- Gerard Dio, Treasurer
- Phone
- (508) 752-1122
- Website
- www.wfdcu.org
Mission
To encourage thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes.
Program accomplishments
- Provide low cost loans, atm, visa cards, home banking, and other financial services to our membersExpenses $830,773 · revenue $590,844
- the credit union provides a .10% dividend to our members savings accounts and competititve rates to our members for their certificates of deposits.Expenses $394,360 · revenue $780,036
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 04-1989205
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1942
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $47,704,102
- Income (IRS master file)
- $1,473,931
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $1,473,931 | $1,225,133 | $47,704,102 | IRS |
| 990 | December 2024 | $1,236,248 | $1,206,594 | $44,946,785 | IRS |
| 990 | December 2023 | $1,124,089 | $1,066,716 | $45,647,147 | XML |
| 990 | December 2022 | $974,928 | $906,557 | $51,655,973 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 04-1989205).
Questions about WORCESTER FIRE DEPT CREDIT UNION
- What is the EIN of WORCESTER FIRE DEPT CREDIT UNION?
- The employer identification number (EIN) of WORCESTER FIRE DEPT CREDIT UNION is 04-1989205.
- Is WORCESTER FIRE DEPT CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1942.
- Are donations to WORCESTER FIRE DEPT CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does WORCESTER FIRE DEPT CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of WORCESTER FIRE DEPT CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did WORCESTER FIRE DEPT CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of WORCESTER FIRE DEPT CREDIT UNION?
- The 990 for the year ended December 31, 2025 names Gerard A Dio.
- Who are the officers and directors of WORCESTER FIRE DEPT CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 7 people; 4 received compensation from the organization, the highest $106,626 (Lisa Carmody, Manager).
- How much revenue does WORCESTER FIRE DEPT CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $1,473,931, expenses of $1,225,133 and total assets of $47,704,102 at year end.
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