2018-05-09T06:57:00-07:00 2017-12-31 990 2017-01-01 041989205 WORCESTER FIRE DEPT CREDIT UNION WORC 5087521122 34 Glennie Street Worcester MA 01605 Gerard Dio Treasurer 5087521122 2018-04-06 2017 2022-09-23 18:48:47Z Gerard Dio 42 Berwick Street Worcester MA 01602 1004243 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. 13 13 0 10 4582 3071 0 0 573860 458152 409643 460820 0 85271 983503 1004243 0 0 145364 142744 397844 382910 0 0 0 401854 431098 945062 956752 38441 47491 38702271 39514202 33233650 33998474 5468621 5515728 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 816123 0 543423 Provide low cost loans, atm, visa cards, home banking, and other financial services to our members 143503 0 460820 the credit union provides a .30% dividend to our members savings accounts and competititve rates to our members for their certificates of deposits. 1560 3071 sell gap insurance to our members for their vehicles. 990T 0 0 0 961186 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 1 0 1 1 0 0 0 0 0 X 13 13 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X Gerard Dio 5087521122 34 Glennie Street Worcester MA 01605 Briean Tangney President 1 0 X 0 0 0 Brian Foley Director 1 0 X 0 0 0 Michael Coakley Director 1 0 X 0 0 0 Robert Johnson Director 1 0 X 0 0 0 Robert McCann Director 1 0 X 0 0 0 Daniel Spencer Treasurer 20 0 X X X 26190 0 0 Thomas Dwyer Director-janitor 2 0 X 8730 0 0 Gerard Dio Chief Financial Office 10 0 X X X 26342 0 0 Matthew Coakley Director 1 0 X 0 0 0 Stephen Johnson Director 1 0 X 0 0 0 John Franco Director 1 0 X 0 0 0 Charlie Gallagher Director 1 0 X 0 0 0 Lisa Carmody Manager 40 0 X X 97843 0 0 159105 0 0 0 0 0 0 FISERV 4450 SW Macadam Avenue Portland OR 97239 computer software company 126343 1 0 loans to membership 522130 458152 455081 3071 0 0 0 0 0 458152 460820 460820 0 0 0 0 0 0 0 0 0 0 0 0 0 0 85271 83760 1511 0 85271 1004243 999661 4582 0 0 0 0 142744 150375 0 143421 21926 41510 25678 0 0 0 0 0 0 0 3172 83074 140493 0 62879 0 0 15781 759 8072 25982 14237 building taxes 34032 bad loans and fraud 20500 22117 956752 0 0 0 259486 229450 2132907 1480712 0 0 0 0 0 0 0 0 8816567 9117912 0 0 32939 43986 1156841 452585 722685 704256 0 0 26316541 27527725 0 0 0 0 421146 410161 38702271 39514202 14128 19321 0 0 0 0 0 0 0 0 0 0 0 0 0 0 33219522 33979153 33233650 33998474 X 0 0 0 0 5468621 5515728 5468621 5515728 38702271 39514202 X 47491 0 0 0 0 -384 X 1 X 1 X 1 0 155000 0 155000 794450 0 266637 527813 0 0 0 0 207391 0 185948 21443 0 0 0 0 704256 27527725 C 27527725 shares and certificates owed to members 33979153 33979153 Form 990, Part VI, Section A, Line 6 for $25.00 and being a Worcester fire department or credit union employee, or a family member of those described may become shareholders of the Worcester Fire Department Credit Union, Form 990, Part VI, Section A, Line 7a board members are elected by the body every year for a three year period. Form 990, Part VI, Section A, Line 7b all bylaw changes are voted by the body at the annual meeting. Form 990, Part VI, Section B, Line 11b at the next board meeting after the filing of the 990 Form 990, Part VI, Section B, Line 12c at the may meeting all members are sworn in and required to state any conflict of interest in writing to the board. Form 990, Part VI, Section B, Line 15 we use the league manual dealing with compensation of employees. Form 990, Part VI, Section C, Line 19 monthly statement of financial condition is posted on the display board in the main lobby. other reports and policies are available upon request. Form 990, Part XI, Line 9 adjustment made due to late fraud deduction from prior year