2016-04-26T12:35:20-07:00 2015-12-31 990 2015-01-01 041989205 WORCESTER FIRE DEPT CREDIT UNION WORC 5087521122 34 Glennie Street Worcester MA 01605 Gerard Dio Treasurer 5087521122 2016-04-25 2015 2016-09-27 15:27:22Z Gerard Dio 34 Glennie Street Worcester MA 01605 996183 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. 15 15 0 15 0 840 0 0 708857 626834 397042 369349 0 0 1105899 996183 0 0 214786 162462 384821 404225 0 0 0 463626 483460 1063233 1050147 42666 -53964 38472081 38845803 32987937 33415623 5484144 5430180 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 896701 0 626834 Provide low cost loans, atm, visa cards, home banking, and other financial services to our members 153446 0 369349 the credit union provides a .30% dividend to our members savings accounts and competititve rates to our members for their certificates of deposits. 0 0 0 1050147 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 0 0 0 0 0 0 X 15 15 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 0 0 0 X Gerard Dio 5087521122 34 Glennie Street Worcester MA 01605 Briean Tangney President 1 0 X 0 0 0 Eugene Courtney Director 0.25 0 X 0 0 0 Paul Brosnihan Director 0.25 0 X 0 0 0 Douglas Armey vice president 0.25 0 X 0 0 0 Michael Conley Director 0.25 0 X 0 0 0 Brian Foley Director 0.5 0 X 0 0 0 Michael Coakley Director 0.25 0 X 0 0 0 Arthur Davison Director 0.5 0 X 0 0 0 Robert Johnson Director 0.5 0 X 0 0 0 Robert McCann Director 0.5 0 X 0 0 0 Martin Dyer Director 0.5 0 X 0 0 0 Daniel Spencer Director 0.5 0 X 0 0 0 Thomas Dwyer Director-janitor 3 0 X 8898 0 0 Gerard Dio Treasurer 15 0 X X X 35664 0 0 Jennifer Roche Assistant Manager 40 0 X 67293 0 0 Lisa Carmody Manager 40 0 X X X 93668 0 0 205523 0 0 0 0 0 0 FISERV 4450 SW Macadam Avenue Portland OR 97239 computer software company 121311 1 0 interest on loans 522100 532424 532424 0 0 fees from services 522100 94410 94410 0 0 0 0 0 0 626834 369349 369349 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 996183 996183 0 0 0 0 0 0 0 0 162462 162462 196625 196625 0 0 123287 123287 26390 26390 30732 30732 27191 27191 2801 2801 63976 63976 136853 136853 0 0 60048 60048 0 0 30466 30466 16 16 18952 18952 29184 29184 15686 15686 allowance for loan loss 96279 96279 0 state banking exam 7070 7070 0 misc. expenses 15729 15729 0 external auditing expense 6400 6400 0 1050147 1050147 0 0 312762 363358 757564 1376847 0 0 0 0 0 0 11051738 9790701 0 0 32021 1146169 401381 770426 744788 25151243 26125746 428348 412342 38472081 38845803 5223 23664 0 0 0 0 0 0 0 32982714 33391959 32987937 33415623 X 0 0 0 0 5484144 5430180 5484144 5430180 38472081 38845803 -53964 0 0 0 0 0 X 1 X 1 X 1 0 155000 0 155000 794450 0 230886 563564 0 0 0 0 196719 0 170495 26224 0 0 0 0 744788 26125746 C 26125746 0 CD and Shares 33391959 33391959 Form 990, Part VI, Section A, Line 6 the membership is made up of members of the Worcester fire department and their immediate family members. Form 990, Part VI, Section A, Line 7a 5 board members are voted in for a three year term every year by the membership Form 990, Part VI, Section A, Line 7b at the annual meeting the body votes for other related guidelines such as the amount of total loans a member can have. Form 990, Part VI, Section B, Line 11b reviewed at the April board meeting. copies handed out to the board. Form 990, Part VI, Section B, Line 12c reported at the monthly meeting Form 990, Part VI, Section C, Line 19 no one requested them.