Nonprofit · EIN 04-2393313
HOMEFIELD CREDIT UNION
Tax-exempt · NORTH GRAFTON, MA 01536
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $8,565,371 | $8,169,321 | $396,050 | $170,910,408 | $156,824,012 | $14,086,396 |
| December 31, 2024 | 990 | $8,601,896 | $8,512,403 | $89,493 | $176,157,011 | $163,220,088 | $12,936,923 |
| December 31, 2023 | 990 | $7,222,161 | $7,387,854 | -$165,693 | $178,817,167 | $165,610,518 | $13,206,649 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $7,779,376
- Investment income
- $785,995
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $417,411
- Other salaries and wages
- $2,007,196
- Salaries, compensation and benefits (total)
- $3,002,111
- Professional fundraising fees
- $0
- Legal fees
- $3,770
- Accounting fees
- $134,674
- Occupancy
- $266,547
- Travel
- $21,202
- Depreciation
- $209,426
Balance sheet and other
- Total assets, start of year
- $176,157,011
- Total assets, end of year
- $170,910,408
- Total liabilities, end of year
- $156,824,012
- Net assets, end of year
- $14,086,396
- Land, buildings and equipment
- $1,816,966
- Publicly traded securities
- $14,873,860
- Gross unrelated business income
- $9,819
- Gross receipts
- $8,565,371
- Employees
- 39
- Volunteers
- 0
- Year formed
- 1966
- 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 |
|---|---|---|---|---|
| KARL MOISAN | PRESIDENT & CEO Officer | 40 | $220,838 | $13,436 |
| JULIE DELONG TRIPP | EVP, CFO & COO Officer | 40 | $196,573 | $19,342 |
| SARAH MILLER | SVP, CLO Highest-paid employee | 40 | $148,821 | $23,510 |
| KELLY BENOIT | SVP, COMPLIANCE & TRAINING Highest-paid employee | 40 | $108,711 | $22,283 |
| CAROL BADGIS | VP, CONTROLLER Highest-paid employee | 40 | $111,842 | $16,887 |
| MAUREEN WOJNAR | SVP, INFORMATION SYSTEMS Highest-paid employee | 40 | $104,794 | $22,253 |
| DOUG LANZILLO | VP, BUSINESS DEVELOPMENT Highest-paid employee | 40 | $104,389 | $22,123 |
| ANDREW NELSON | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| PETER CREPEAULT | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| BROOKE MELIA | CLERK Trustee or director, Officer | 1 | $0 | $0 |
| ALBERT BONOFIGLIO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| THOMAS GUILFOYLE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SARGON HANNA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DREW MCGRADY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHARLES PAVOLIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
3 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CATHERINE PISACANE | DIRECTOR Trustee or director | 1 | $0 |
| JAMES SULLIVAN | DIRECTOR Trustee or director | 1 | $0 |
| PETER M ZONA | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 14 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KARL MOISAN | PRESIDENT & CEO Officer | 40 | $214,540 | $13,078 |
| JULIE DELONG TRIPP | EVP, CFO & COO Officer | 40 | $190,771 | $19,248 |
| KELLY BENOIT | SVP, COMPLIANCE & TRAINING Highest-paid employee | 40 | $103,541 | $21,623 |
| ANDREW NELSON | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| PETER CREPEAULT | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| BROOKE MELIA | CLERK Trustee or director, Officer | 1 | $0 | $0 |
| ALBERT BONOFIGLIO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| THOMAS GUILFOYLE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SARGON HANNA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DREW MCGRADY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHARLES PAVOLIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CATHERINE PISACANE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JAMES SULLIVAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PETER M ZONA | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 16 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KARL MOISAN | PRESIDENT & CEO Officer | 40 | $279,580 | $14,252 |
| JULIE DELONG TRIPP | EVP, CFO & COO Officer | 40 | $235,511 | $20,110 |
| JENNIFER MARBLE | SVP, CCO & CLO Officer | 40 | $168,991 | $5,275 |
| KELLY BENOIT | SVP, COMPLIANCE & TRAINING Highest-paid employee | 40 | $116,564 | $22,925 |
| KEVIN BERUBE | VP, LENDING Highest-paid employee | 40 | $114,131 | $22,909 |
| ANDREW NELSON | CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| PETER CREPEAULT | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| BROOKE MELIA | CLERK Trustee or director, Officer | 1 | $0 | $0 |
| ALBERT BONOFIGLIO | DIRECTOR Trustee or director | 1 | $0 | $0 |
| THOMAS GUILFOYLE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| SARGON HANNA | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DREW MCGRADY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHARLES PAVOLIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CATHERINE PISACANE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JAMES SULLIVAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PETER M ZONA | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 86 WORCESTER ST, NORTH GRAFTON, MA 01536-1020
- In care of
- % PAULINE TRANTER
- Principal officer (990 for 2025)
- JULIE DELONG TRIPP, 86 WORCESTER STREET, NORTH GRAFTON, MA 01536
- Signed the 990
- JULIE DELONG TRIPP, COO
- Phone
- (508) 839-5493
- Website
- WWW.HOMEFIELDCU.COM
- Return prepared by
- GERALD T REILLY & COMPANY
Mission
TO PROVIDE A LIFETIME OF PERSONAL SERVICE THROUGH INNOVATIVE PRODUCTS AND QUALITY SERVICES, DELIVERED BY A TEAM OF DEDICATED PROFESSIONALS TO MEET THE FULL RANGE OF MEMBER NEEDS.
Program accomplishments
- TO PROVIDE FINANCING FOR HOME AND BUSINESS LOANS, BOTH PURCHASE AND REFINANCE TRANSACTIONS. AS OF 12/31/25 THERE WERE 785 OF THESE LOANS ON THE BALANCE SHEET OF THE CREDIT UNION.
- TO PROVIDE DEPOSIT PRODUCTS FOR DAILY FINANCIAL NEEDS AS WELL AS INVESTMENT ALTERNATIVES. PRODUCTS INCLUDE CHECKING AND SAVING ACCOUNTS, CERTIFICATES OF DEPOSIT, IRA AND MONEY MARKET ACCOUNTS. MEMBERS HAVE A TOTAL OF 10,153 DEPOSIT ACCOUNTS WITH THE CREDIT UNION AS OF 12/31/25.
- TO PROVIDE CONSUMER LOANS BOTH UNSECURED AND SECURED BY AUTOMOBILES, RV'S, ETC. AS OF 12/31/25 THERE WERE 3,125 OF THESE LOANS ON THE BALANCE SHEET OF THE CREDIT UNION.
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
- 04-2393313
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $170,910,408
- Income (IRS master file)
- $8,565,371
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $8,565,371 | $8,169,321 | $170,910,408 | XML |
| 990 | December 2024 | $8,601,896 | $8,512,403 | $176,157,011 | XML |
| 990 | December 2023 | $7,222,161 | $7,387,854 | $178,817,167 | XML |
| 990 | December 2022 | $6,532,037 | $5,770,550 | $169,959,966 | 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 04-2393313).
Questions about HOMEFIELD CREDIT UNION
- What is the EIN of HOMEFIELD CREDIT UNION?
- The employer identification number (EIN) of HOMEFIELD CREDIT UNION is 04-2393313.
- Is HOMEFIELD CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14).
- Which annual return does HOMEFIELD 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 HOMEFIELD 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 HOMEFIELD 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 HOMEFIELD CREDIT UNION?
- The 990 for the year ended December 31, 2025 names JULIE DELONG TRIPP.
- Who are the officers and directors of HOMEFIELD CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 18 people; 7 received compensation from the organization, the highest $220,838 (KARL MOISAN, PRESIDENT & CEO).
- How much revenue does HOMEFIELD CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $8,565,371, expenses of $8,169,321 and total assets of $170,910,408 at year end.
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