2025-04-25T13:34:46-07:00 2024-12-31 990 2024-01-01 041989205 WORCESTER FIRE DEPT CREDIT UNION WORC 5087521122 34 Glennie Street Worcester MA 01605 Gerard Dio Treasurer 5087521122 2025-04-14 1 2024 2025-03-06 01:10:19Z Worcester Fire Department Credit Union 34 Glennie Street Worcester MA 01605 1236248 0 X www.wfdcu.org X 1937 MA To ensure thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes. 9 9 0 8 0 0 0 0 430869 511862 588868 632189 104352 92197 1124089 1236248 0 0 119349 295129 375924 413394 0 0 0 571443 498071 1066716 1206594 57373 29654 45647147 44946785 39887570 39157554 5759577 5789231 To encourage thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes. 0 0 886415 0 604059 Provide low cost loans, atm, visa cards, home banking, and other financial services to our members 320179 0 632190 the credit union provides a .10% dividend to our members savings accounts and competititve rates to our members for their certificates of deposits. 0 0 0 1206594 0 0 0 0 0 0 0 0 0 1 1 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 X 9 9 1 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X X Worcester Fire Department Credit Union 5087521122 34 Glennie Street Worcester MA 01605 Lisa Carmody Manager 40 0 X X 106000 0 0 Daniel Spencer Treasurer 20 0 X X X 39000 0 0 Gerard Dio President 20 0 X X 30000 0 0 Brian Tangney Director 10 0 X 15000 0 0 Robert Johnson Vice President 0.5 0 X X 0 0 0 Arthur Davison Director 0.5 0 X 0 0 0 Michael Coakley Director 0.5 0.5 X 0 0 0 Josh Watson Director 0.5 0 X 0 0 0 Matthew Coakley Director 0.5 0 X 0 0 0 190000 0 0 1 0 0 0 Fiserv 75 Remittance Road Suite 6958 Chicago IL 60675 computer equipment, software, support 134012 1 0 loans to membership 522130 511862 511862 0 0 0 0 0 0 511862 632189 632189 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 92197 92197 0 0 92197 1236248 1236248 0 0 0 0 0 295129 170000 0 161222 24319 31923 25930 0 0 21653 0 0 0 0 2335 60526 149213 0 83843 122 0 122 532 42628 46521 24036 loss on investment sale 11480 Mortgage fees & allowance for loan loss 22210 donations 3848 credit card reports and program 12545 16457 1206594 0 0 0 147632 165399 980769 970964 0 0 0 0 443530 357639 0 0 9130145 10403566 0 0 24720 29708 1367669 716958 668262 650711 0 0 32626685 31964818 0 0 0 0 1625404 403980 45647147 44946785 18573 6887 0 0 0 0 0 0 0 0 0 0 0 0 0 0 39868997 39150667 39887570 39157554 X 0 0 0 0 5759577 5789231 5759577 5789231 45647147 44946785 29654 0 0 0 0 0 X 0 0 0 155000 0 155000 794450 0 391762 402688 0 0 0 0 318655 0 256227 62428 99564 0 68969 30595 650711 31770000 C 194818 C 31964818 0 draft accounts for checking 4290344 certificates of Deposit 7209957 share accounts for specific purposes 27650366 0 0 39150667 Form 990, Part VI, Section A, Line 2 Father and son on the board. Form 990, Part VI, Section A, Line 6 every member who joins has 25.00 kept in their accourt as proof of membership Form 990, Part VI, Section A, Line 7a every year 3 members of the board are elected by the membership to serve 3 years. Form 990, Part VI, Section A, Line 7b by-law changes are approved by the membership at the yearly meeting. Form 990, Part VI, Section B, Line 11b the 990 is presented to the board for study and posted in the main lobby. Form 990, Part VI, Section B, Line 12c board members are reminded to update any change in their conditions or possible points of conflict. Form 990, Part VI, Section B, Line 15 review the salary comparison report distributed by the Credit Union league. Form 990, Part VI, Section C, Line 18 posted in the main lobby Form 990, Part VI, Section C, Line 19 monthly financials can be found in the main lobby.