Civic Intelligence

Worcester Credit Union

EIN 04-1990205 • 501(c)14 • Worcester, MA

View Organization Page

Profile

Credit union without capital stock organized and operated for mutual purposes and without profit.

520 West Boylston StreetWorcester, MA 01606

www.worcestercu.com

Siviq Scores

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

Liabilities / Assets

79th percentile

0.91x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

66th percentile

18.45x

Higher debt load relative to revenue than 66% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

55th percentile

13%

Higher net margin than 55% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

29th percentile

-2.0%

Faster asset growth than 29% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

15th percentile

0.8%

Faster revenue growth than 15% of similar nonprofits.

501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets79th percentile

Assets

Down

$96,506,337

Down $1,957,255 (-2.0%) from 2023

Liabilities

Down

$87,743,183

Down $2,739,096 (-3.0%) from 2023

Net Assets

Up

$8,763,154

Up $781,841 (+9.8%) from 2023

Operations
Liabilities / Revenue66th percentileNet Margin55th percentile

Revenue

Up

$4,756,527

Up $37,494 (+0.8%) from 2023

Expenses

Up

$4,143,677

Up $183,509 (+4.6%) from 2023

Net Income

Down

$612,850

Down $146,015 (-19%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth29th percentile

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

$150M$100M$50M$0Assets 2010: $81,502,954Liabilities 2010: $73,792,622Net Assets 2010: $7,710,3322010Assets 2011: $81,103,309Liabilities 2011: $73,433,288Net Assets 2011: $7,670,0212011Assets 2012: $83,157,602Liabilities 2012: $75,588,874Net Assets 2012: $7,568,7282012Assets 2013: $81,948,734Liabilities 2013: $74,505,558Net Assets 2013: $7,443,1762013Assets 2014: $78,096,138Liabilities 2014: $70,682,606Net Assets 2014: $7,413,5322014Assets 2015: $76,129,004Liabilities 2015: $68,909,450Net Assets 2015: $7,219,5542015Assets 2016: $78,397,660Liabilities 2016: $70,957,957Net Assets 2016: $7,439,7032016Assets 2017: $80,724,729Liabilities 2017: $73,089,596Net Assets 2017: $7,635,1332017Assets 2018: $80,628,970Liabilities 2018: $72,784,704Net Assets 2018: $7,844,2662018Assets 2019: $81,833,951Liabilities 2019: $73,671,503Net Assets 2019: $8,162,4482019Assets 2020: $106,731,810Liabilities 2020: $97,836,182Net Assets 2020: $8,895,6282020Assets 2021: $107,267,095Liabilities 2021: $98,044,869Net Assets 2021: $9,222,2262021Assets 2022: $105,060,405Liabilities 2022: $98,428,333Net Assets 2022: $6,632,0722022Assets 2023: $98,463,592Liabilities 2023: $90,482,279Net Assets 2023: $7,981,3132023Assets 2024: $96,506,337Liabilities 2024: $87,743,183Net Assets 2024: $8,763,1542024

Highlighted filing

2024

Assets$96,506,337
Liabilities$87,743,183
Net Assets$8,763,154
Open 2024 Filing

Operations Trend

Revenue Growth15th percentile

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

$6.0M$4.0M$2.0M$0-$2.0MExpenses 2010: $4,145,6662010Expenses 2011: $4,062,0992011Revenue 2012: $3,714,960Expenses 2012: $3,819,728Net Income 2012: -$104,7682012Revenue 2013: $3,607,912Expenses 2013: $3,543,829Net Income 2013: $64,0832013Revenue 2014: $3,441,486Expenses 2014: $3,560,989Net Income 2014: -$119,5032014Revenue 2015: $3,305,518Expenses 2015: $3,467,108Net Income 2015: -$161,5902015Revenue 2016: $3,253,859Expenses 2016: $3,034,588Net Income 2016: $219,2712016Revenue 2017: $3,490,858Expenses 2017: $3,248,728Net Income 2017: $242,1302017Revenue 2018: $3,711,455Expenses 2018: $3,507,023Net Income 2018: $204,4322018Revenue 2019: $3,906,223Expenses 2019: $3,646,969Net Income 2019: $259,2542019Revenue 2020: $3,911,731Expenses 2020: $3,429,308Net Income 2020: $482,4232020Revenue 2021: $3,800,689Expenses 2021: $3,016,123Net Income 2021: $784,5662021Revenue 2022: $3,533,968Expenses 2022: $3,224,289Net Income 2022: $309,6792022Revenue 2023: $4,719,033Expenses 2023: $3,960,168Net Income 2023: $758,8652023Revenue 2024: $4,756,527Expenses 2024: $4,143,677Net Income 2024: $612,8502024

Highlighted filing

2024

Revenue$4,756,527
Expenses$4,143,677
Net Income$612,850
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$96,506,337
Liabilities
$87,743,183
Net assets
$8,763,154
Revenue
$4,756,527
Expenses
$4,143,677
Net income
$612,850
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$96.5$87.7$8.76$4.76$4.14$0.61
2023Detailed filing. Detailed filing data is available for this year.$98.5$90.5$7.98$4.72$3.96$0.76
2022Detailed filing. Detailed filing data is available for this year.$105$98.4$6.63$3.53$3.22$0.31
2021Detailed filing. Detailed filing data is available for this year.$107$98.0$9.22$3.80$3.02$0.78
2020Detailed filing. Detailed filing data is available for this year.$107$97.8$8.90$3.91$3.43$0.48
2019Detailed filing. Detailed filing data is available for this year.$81.8$73.7$8.16$3.91$3.65$0.26
2018Detailed filing. Detailed filing data is available for this year.$80.6$72.8$7.84$3.71$3.51$0.20
2017Detailed filing. Detailed filing data is available for this year.$80.7$73.1$7.64$3.49$3.25$0.24
2016Detailed filing. Detailed filing data is available for this year.$78.4$71.0$7.44$3.25$3.03$0.22
2015Detailed filing. Detailed filing data is available for this year.$76.1$68.9$7.22$3.31$3.47$0.16
2014Detailed filing. Detailed filing data is available for this year.$78.1$70.7$7.41$3.44$3.56$0.12
2013Detailed filing. Detailed filing data is available for this year.$81.9$74.5$7.44$3.61$3.54$0.06
2012Summary only. Only limited summary data is available for this year.$83.2$75.6$7.57$3.71$3.82$0.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.1$73.4$7.67$4.06
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$81.5$73.8$7.71$4.15
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 25, 2025
Return Version
2024v5.2
Gross Receipts
$4,756,527
Mission and Program Overview

Mission

Credit union without capital stock organized and operated for mutual purposes and without profit.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$59,119,086$58,476,796▼ $642,290
Investments Other Securities$25,563,968$23,290,242▼ $2,273,726
Cash and Non-Interest-Bearing Accounts$9,016,852$9,940,080▲ $923,228
Rtn Earn Endowment Incm Other Fnds$7,981,313$8,763,154▲ $781,841
Receivables From Officers Etc$2,450,000$2,450,000→ $0
Land, Buildings, and Equipment, Net$854,007$998,932▲ $144,925
Prepaid Expenses and Deferred Charges$248,845$195,924▼ $52,921
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$98,463,592$96,506,337▼ $1,957,255
Other Assets Total$1,210,834$1,154,363▼ $56,471
Liabilities
Other Liabilities$90,362,846$87,515,829▼ $2,847,017
Accounts Payable and Accrued Expenses$119,433$227,354▲ $107,921
Total Liabilities$90,482,279$87,743,183▼ $2,739,096
Net Assets / Fund Balance
Total Net Assets Fund Balance$7,981,313$8,763,154▲ $781,841
Total Liabilities and Net Assets / Fund Balance$98,463,592$96,506,337▼ $1,957,255

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$180,232$1,856,012$2,036,244
Other Land Buildings$436,100$987,906$1,424,006
Land$382,600-$382,600
Other Securities$4,678--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa PerrinOutgoing President/CEOFT$113,897$27,481$141,378
Lucas J MillerIncoming President/CEOFT$73,269-$73,269

Board Members and Trustees

NameTitle
Robert HenniganChairman
Paula HarrityVice-chair
David MooreDirector
John PranckeviciousDirector
Julie ParenteauDirector
Konstantin EliadiDirector
Sharon WoodburyDirector
Michael TraynorSecretary
John LauringTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,632,818
Investment Income
$1,111,376
Other Revenue
$12,333
Change in Net Assets
$612,850
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,801,625
Salaries, Compensation, and Employee Benefits$1,342,052
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$1,089,962
Other Expenses---$300,541
All Other Expenses---$258,681
Occupancy---$202,680
Other Employee Benefits---$128,241
Information Technology---$119,946
Fees for Services Accounting---$102,189
Payroll Taxes---$94,166
Depreciation Depletion---$81,893
Advertising---$38,142
Conferences and Meetings---$36,185
Pension Plan Contributions---$29,683
Fees for Services Legal---$18,999
Total Functional Expenses$0$0$0$4,143,677
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
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$2,450,000$2,450,000→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Deposits$87,296,126
Accrued Dividends on Member Deposits$219,703
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
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 6

“Each depositor is a member of the organization and has voting rights at the annual meeting including election of the officers and board of directors.”

Form 990, Part VI, Section A, Line 7A

“Each depositor is a member and has voting rights at the annual meeting.”

Form 990, Part VI, Section A, Line 7B

“Each depositor has voting rights to elect officers and board of directors.”

Form 990, Part VI, Section B, Line 11B

“Form 990 is reviewed by the ceo and available to each member of the governing body upon request after the form 990 is filed.”

Form 990, Part VI, Section B, Line 15

“The annual review of the ceo's salary is conducted by the board of directors who make recommendations of compensation when applicable. The use of the organization's vehicle is also voted and approved by the board of directors.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public by appointment.”

Filing and Contact Details

Filer

Filer Name
Worcester Credit Union
EIN
04-1990205
Phone
5088539966
Address
520 WEST BOYLSTON STREET, WORCESTER, MA 01606

Signing Officer

Name
Lucas Miller
Title
President
Phone
5088539966
Signed
2025-11-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Lucas Miller
Formed
1998
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
9
Employees
22
Volunteers
0

Preparer

Firm
Bollus Lynch Llp
Address
89 SHREWSBURY STREET, WORCESTER, MA 01604
Preparer
Kevin J Maguire Jr
Phone
5087557107
Raw XML Appendix392 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.

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IRS990/OtherAssetsTotalGrp/BOYAmt01210834
IRS990/OtherAssetsTotalGrp/EOYAmt01154363
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0128241
IRS990/OtherExpensesGrp/Desc0TAX EXPENSE
IRS990/OtherExpensesGrp/Desc1OUTSIDE SERVICES
IRS990/OtherExpensesGrp/Desc2DEPOSIT DIVIDENDS
IRS990/OtherExpensesGrp/Desc3OFFICE OPERATIONS
IRS990/OtherExpensesGrp/TotalAmt01448
IRS990/OtherExpensesGrp/TotalAmt11010090
IRS990/OtherExpensesGrp/TotalAmt2630831
IRS990/OtherExpensesGrp/TotalAmt3300541
IRS990/OtherLiabilitiesGrp/BOYAmt090362846
IRS990/OtherLiabilitiesGrp/EOYAmt087515829
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/Desc0OTHER OPERATING INCOME
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt012333
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt012333
IRS990/OtherRevenueTotalAmt012333
IRS990/OtherSalariesAndWagesGrp/TotalAmt01089962
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt059119086
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt058476796
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt094166
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt029683
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0248845
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0195924
IRS990/PrincipalOfficerNm0LUCAS MILLER
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt03048233
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1584585
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt03048233
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1584585
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt01096157
IRS990/PYOtherExpensesAmt02664128
IRS990/PYOtherRevenueAmt0221891
IRS990/PYProgramServiceRevenueAmt03400985
IRS990/PYRevenuesLessExpensesAmt0758865
IRS990/PYSalariesCompEmpBnftPaidAmt01296040
IRS990/PYTotalExpensesAmt03960168
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt04719033
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt02450000
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt02450000
IRS990/ReconcilationRevenueExpnssAmt0612850
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt07981313
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt08763154
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0180232
IRS990ScheduleD/BuildingsGrp/DepreciationAmt01856012
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt02036244
IRS990ScheduleD/LandGrp/BookValueAmt0382600
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0382600
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0436100
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0987906
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt01424006
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt087296126
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt1219703
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & DEPOSITS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1ACCRUED DIVIDENDS ON MEMBER DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt021699301
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1139300
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21446963
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt34678
IRS990ScheduleD/OtherSecuritiesGrp/Desc0INVESTMENTS - DEBT SECURITIES
IRS990ScheduleD/OtherSecuritiesGrp/Desc1FHLB CAPITAL STOCK
IRS990ScheduleD/OtherSecuritiesGrp/Desc2CDC SHARE INVESTMENT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3PSCU INVESTMENT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0998932
IRS990ScheduleD/TotalBookValueSecuritiesAmt023290242
IRS990ScheduleD/TotalLiabilityAmt087515829
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt02450000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0SPLIT DOLLAR LIFE INSURANCE AGREEMENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt02450000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0KAREN DUFFY
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0FORMER PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt02450000
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EACH DEPOSITOR IS A MEMBER OF THE ORGANIZATION AND HAS VOTING RIGHTS AT THE ANNUAL MEETING INCLUDING ELECTION OF THE OFFICERS AND BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1EACH DEPOSITOR IS A MEMBER AND HAS VOTING RIGHTS AT THE ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2EACH DEPOSITOR HAS VOTING RIGHTS TO ELECT OFFICERS AND BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS REVIEWED BY THE CEO AND AVAILABLE TO EACH MEMBER OF THE GOVERNING BODY UPON REQUEST AFTER THE FORM 990 IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ANNUAL REVIEW OF THE CEO'S SALARY IS CONDUCTED BY THE BOARD OF DIRECTORS WHO MAKE RECOMMENDATIONS OF COMPENSATION WHEN APPLICABLE. THE USE OF THE ORGANIZATION'S VEHICLE IS ALSO VOTED AND APPROVED BY THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC BY APPOINTMENT.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt098463592
IRS990/TotalAssetsEOYAmt096506337
IRS990/TotalAssetsGrp/BOYAmt098463592
IRS990/TotalAssetsGrp/EOYAmt096506337
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt022
IRS990/TotalFunctionalExpensesGrp/TotalAmt04143677
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt090482279
IRS990/TotalLiabilitiesEOYAmt087743183
IRS990/TotalLiabilitiesGrp/BOYAmt090482279
IRS990/TotalLiabilitiesGrp/EOYAmt087743183
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt07981313
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt08763154
IRS990/TotalOtherCompensationAmt027481
IRS990/TotalProgramServiceRevenueAmt03632818
IRS990/TotalReportableCompFromOrgAmt0187166
IRS990/TotalRevenueGrp/ExclusionAmt01111376
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03645151
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt04756527
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt098463592
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt096506337
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0520 WEST BOYLSTON STREET
IRS990/USAddress/CityNm0WORCESTER
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001606
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.WORCESTERCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0LUCAS MILLER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05088539966
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0WORCESTER CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0WORC
ReturnHeader/Filer/EIN0041990205
ReturnHeader/Filer/PhoneNum05088539966
ReturnHeader/Filer/USAddress/AddressLine1Txt0520 WEST BOYLSTON STREET
ReturnHeader/Filer/USAddress/CityNm0WORCESTER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001606
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0043037870
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BOLLUS LYNCH LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt089 SHREWSBURY STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WORCESTER
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001604
ReturnHeader/PreparerPersonGrp/PhoneNum05087557107
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KEVIN J MAGUIRE JR
ReturnHeader/ReturnTs02025-11-25T18:34:43-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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