Civic Intelligence

Worcester Fire Dept Credit Union

EIN 04-1989205 • 501(c)14 • Worcester, MA

View Organization Page

Profile

To encourage thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes.

34 Glennie StreetWorcester, MA 01605

www.wfdcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

50th percentile

0.87x

Higher debt load relative to assets than 50% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

97th percentile

31.67x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

28th percentile

2.4%

Higher net margin than 28% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

41st percentile

$106,000

Higher top officer pay than 41% of similar nonprofits.

Top officer pay equals 8.6% of source-year revenue.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Asset Growth

33rd percentile

-1.5%

Faster asset growth than 33% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

52nd percentile

10.0%

Faster revenue growth than 52% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets50th percentile

Assets

Down

$44,946,785

Down $700,362 (-1.5%) from 2023

Liabilities

Down

$39,157,554

Down $730,016 (-1.8%) from 2023

Net Assets

Up

$5,789,231

Up $29,654 (+0.5%) from 2023

Operations
Liabilities / Revenue97th percentileNet Margin28th percentile

Revenue

Up

$1,236,248

Up $112,159 (+10.0%) from 2023

Expenses

Up

$1,206,594

Up $139,878 (+13%) from 2023

Net Income

Down

$29,654

Down $27,719 (-48%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth33rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$60M$40M$20M$0Assets 2010: $32,331,015Liabilities 2010: $27,200,918Net Assets 2010: $5,130,0972010Assets 2011: $35,661,896Liabilities 2011: $30,397,286Net Assets 2011: $5,264,6102011Assets 2012: $38,371,720Liabilities 2012: $32,986,487Net Assets 2012: $5,385,2332012Assets 2013: $39,317,924Liabilities 2013: $33,876,446Net Assets 2013: $5,441,4782013Assets 2014: $38,472,081Liabilities 2014: $32,987,937Net Assets 2014: $5,484,1442014Assets 2015: $38,845,803Liabilities 2015: $33,415,623Net Assets 2015: $5,430,1802015Assets 2016: $38,702,271Liabilities 2016: $33,233,650Net Assets 2016: $5,468,6212016Assets 2017: $39,514,202Liabilities 2017: $33,998,474Net Assets 2017: $5,515,7282017Assets 2018: $39,711,296Liabilities 2018: $34,155,711Net Assets 2018: $5,555,5852018Assets 2019: $40,003,126Liabilities 2019: $34,432,595Net Assets 2019: $5,570,5312019Assets 2020: $46,348,193Liabilities 2020: $40,764,968Net Assets 2020: $5,583,2252020Assets 2021: $50,213,280Liabilities 2021: $44,579,447Net Assets 2021: $5,633,8332021Assets 2022: $51,655,973Liabilities 2022: $45,953,769Net Assets 2022: $5,702,2042022Assets 2023: $45,647,147Liabilities 2023: $39,887,570Net Assets 2023: $5,759,5772023Assets 2024: $44,946,785Liabilities 2024: $39,157,554Net Assets 2024: $5,789,2312024

Highlighted filing

2024

Assets$44,946,785
Liabilities$39,157,554
Net Assets$5,789,231
Open 2024 Filing

Operations Trend

Revenue Growth52nd percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,234,4392010Revenue 2011: $1,439,021Expenses 2011: $1,304,508Net Income 2011: $134,5132011Expenses 2012: $1,235,2932012Revenue 2013: $1,197,205Expenses 2013: $1,140,960Net Income 2013: $56,2452013Revenue 2014: $1,105,899Expenses 2014: $1,063,233Net Income 2014: $42,6662014Revenue 2015: $996,183Expenses 2015: $1,050,147Net Income 2015: -$53,9642015Revenue 2016: $983,503Expenses 2016: $945,062Net Income 2016: $38,4412016Revenue 2017: $1,004,243Expenses 2017: $956,752Net Income 2017: $47,4912017Revenue 2018: $1,101,927Expenses 2018: $1,062,070Net Income 2018: $39,8572018Revenue 2019: $1,101,461Expenses 2019: $1,086,515Net Income 2019: $14,9462019Revenue 2020: $1,027,164Expenses 2020: $1,014,470Net Income 2020: $12,6942020Revenue 2021: $946,881Expenses 2021: $896,273Net Income 2021: $50,6082021Revenue 2022: $974,928Expenses 2022: $906,557Net Income 2022: $68,3712022Revenue 2023: $1,124,089Expenses 2023: $1,066,716Net Income 2023: $57,3732023Revenue 2024: $1,236,248Expenses 2024: $1,206,594Net Income 2024: $29,6542024

Highlighted filing

2024

Revenue$1,236,248
Expenses$1,206,594
Net Income$29,654
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$44,946,785
Liabilities
$39,157,554
Net assets
$5,789,231
Revenue
$1,236,248
Expenses
$1,206,594
Net income
$29,654
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$44.9$39.2$5.79$1.24$1.21$0.03
2023Detailed filing. Detailed filing data is available for this year.$45.6$39.9$5.76$1.12$1.07$0.06
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.7$46.0$5.70$0.97$0.91$0.07
2021Detailed filing. Detailed filing data is available for this year.$50.2$44.6$5.63$0.95$0.90$0.05
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$46.3$40.8$5.58$1.03$1.01$0.01
2019Detailed filing. Detailed filing data is available for this year.$40.0$34.4$5.57$1.10$1.09$0.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.7$34.2$5.56$1.10$1.06$0.04
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$39.5$34.0$5.52$1.00$0.96$0.05
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.7$33.2$5.47$0.98$0.95$0.04
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$38.8$33.4$5.43$1.00$1.05$0.05
2014Detailed filing. Detailed filing data is available for this year.$38.5$33.0$5.48$1.11$1.06$0.04
2013Detailed filing. Detailed filing data is available for this year.$39.3$33.9$5.44$1.20$1.14$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$38.4$33.0$5.39$1.24
2011Summary only. Only limited summary data is available for this year.$35.7$30.4$5.26$1.44$1.30$0.13
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$32.3$27.2$5.13$1.23
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 14, 2025
Return Version
2024v5.0
Gross Receipts
$1,236,248
Mission and Program Overview

Mission

To encourage thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes.

To ensure thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$32,626,685$31,964,818▼ $661,867
Other Notes and Loans Receivable, Net$9,130,145$10,403,566▲ $1,273,421
Rtn Earn Endowment Incm Other Fnds$5,759,577$5,789,231▲ $29,654
Savings and Temporary Cash Investments$980,769$970,964▼ $9,805
Land, Buildings, and Equipment, Net$668,262$650,711▼ $17,551
Receivables From Officers Etc$443,530$357,639▼ $85,891
Cash and Non-Interest-Bearing Accounts$147,632$165,399▲ $17,767
Prepaid Expenses and Deferred Charges$24,720$29,708▲ $4,988
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$45,647,147$44,946,785▼ $700,362
Other Assets Total$1,625,404$403,980▼ $1,221,424
Liabilities
Other Liabilities$39,868,997$39,150,667▼ $718,330
Accounts Payable and Accrued Expenses$18,573$6,887▼ $11,686
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$39,887,570$39,157,554▼ $730,016
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,759,577$5,789,231▲ $29,654
Total Liabilities and Net Assets / Fund Balance$45,647,147$44,946,785▼ $700,362

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$402,688$391,762$0
Other Land Buildings$30,595$68,969$0
Land$155,000-$0
Equipment$62,428$256,227$0
Leasehold Improvements$0$0$0
Closely Held Equity Interests$194,818--
Financial Derivatives$31,770,000--
Compensation and Service Providers
Top Officer Pay41st percentile

Employees

NameTitleFull / Part TimeBaseTotal
Lisa CarmodyManagerFT$106,000$106,000
Daniel SpencerTreasurerPT$39,000$39,000
Gerard DioPresidentPT$30,000$30,000
Brian TangneyDirectorPT$15,000$15,000

Board Members and Trustees

NameTitle
Robert JohnsonVice President
Arthur DavisonDirector
Josh WatsonDirector
Matthew CoakleyDirector
Michael CoakleyDirector

Highest Paid Contractors

ContractorServicesLocationCompensation
Fiservcomputer equipment, software, support75 Remittance Road, Suite 6958, Chicago, IL 60675$134,012
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$511,862
Investment Income
$632,189
Other Revenue
$92,197
Change in Net Assets
$29,654
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$498,071
Salaries, Compensation, and Employee Benefits$413,394
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Benefits to Members---$295,129
Current Officers, Directors, Trustees, and Key Employees---$170,000
Other Salaries and Wages---$161,222
Information Technology---$149,213
Occupancy---$83,843
Office Expenses---$60,526
Depreciation Depletion---$46,521
Payments to Affiliates---$42,628
Other Employee Benefits---$31,923
Payroll Taxes---$25,930
Pension Plan Contributions---$24,319
Insurance---$24,036
Fees for Services Accounting---$21,653
All Other Expenses---$16,457
Other Expenses---$12,545
Advertising---$2,335
Interest---$532
Conferences and Meetings---$122
Travel---$122
Total Functional Expenses$0$0$0$1,206,594
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$0
Fundraising Gross Income$0
Gaming Direct Expenses$0
Gaming Gross Income$0
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$443,530$357,639▼ $85,891
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
share accounts for specific purposes$27,650,366
certificates of Deposit$7,209,957
draft accounts for checking$4,290,344
0$0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

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.”

Filing and Contact Details

Filer

Filer Name
Worcester Fire Dept Credit Union
EIN
04-1989205
Phone
5087521122
Address
34 Glennie Street, Worcester, MA 01605

Signing Officer

Name
Gerard Dio
Title
Treasurer
Phone
5087521122
Signed
2025-04-14

Organization Details

Formed
1937
Legal Domicile
Ma
Voting Board Members
9
Independent Board Members
9
Employees
0
Volunteers
8
Raw XML AppendixShowing 400 of 505 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt018573
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt06887
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IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
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IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt034 Glennie Street
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IRS990/CashNonInterestBearingGrp/EOYAmt0165399
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IRS990/DepreciationDepletionGrp/TotalAmt046521
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IRS990/Form990PartVIISectionAGrp/PersonNm1Daniel Spencer
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IRS990/Form990PartVIISectionAGrp/PersonNm3Brian Tangney
IRS990/Form990PartVIISectionAGrp/PersonNm4Robert Johnson
IRS990/Form990PartVIISectionAGrp/PersonNm5Arthur Davison
IRS990/Form990PartVIISectionAGrp/PersonNm6Michael Coakley
IRS990/Form990PartVIISectionAGrp/PersonNm7Josh Watson
IRS990/Form990PartVIISectionAGrp/PersonNm8Matthew Coakley
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IRS990/Form990PartVIISectionAGrp/TitleTxt0Manager
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2President
IRS990/Form990PartVIISectionAGrp/TitleTxt3Director
IRS990/Form990PartVIISectionAGrp/TitleTxt4Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt5Director
IRS990/Form990PartVIISectionAGrp/TitleTxt6Director
IRS990/Form990PartVIISectionAGrp/TitleTxt7Director
IRS990/Form990PartVIISectionAGrp/TitleTxt8Director
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IRS990/MissionDesc0To encourage thrift among its members by the accumulation of their savings and loaning of such savings to its members for provident purposes.
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IRS990/OtherExpensesGrp/Desc2donations
IRS990/OtherExpensesGrp/Desc3credit card reports and program
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt029708
IRS990/PrincipalOfcrBusinessName/BusinessNameLine1Txt0Worcester Fire Department Credit Union
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IRS990/ProgramServiceRevenueGrp/Desc0loans to membership
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IRS990/ProgSrvcAccomActy2Grp/Desc0the credit union provides a .10% dividend to our members savings accounts and competititve rates to our members for their certificates of deposits.
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0draft accounts for checking
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1certificates of Deposit
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2share accounts for specific purposes

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