Sep, 30, 2025 — WORCESTER FIRE DEPT. CREDIT UNION is a federally insured state chartered credit union headquartered in WORCESTER, MA with 1 branch location and about $45.05 million in total assets. Opened 89 years ago in 1937, WORCESTER FIRE DEPT. CREDIT UNION has about 2,075 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | WORCESTER FIRE DEPT. CREDIT UNION |
|---|---|
| Address: (Main Office) | 34 GLENNIE ST WORCESTER, MA 01605 |
| Phone: | (508) 752-1122 |
| Fax: | (508) 831-9680 |
| Website: | https://www.wfdcu.org |
| Branches: | 1 branch locations |
| Members: | 2,075 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67683 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $45,045,098 |
| CEO/Manager: | Lisa M Carmody |
| Chairperson: | Arthur C Davison |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,481,731 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 4,396,262 |
| Unsecured Loans | 1,448,891 |
| Other Loans | 4,916,168 |
| TOTAL LOANS | 10,761,321 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -55,344 |
| Land And Building | 544,281 |
| Other Fixed Assets | 81,136 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 350,604 |
| All Other Assets | 0 |
| TOTAL ASSETS | 45,045,098 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,893 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,690,625 |
| Regular shares | 27,339,288 |
| All Other Shares & Deposits | 7,046,992 |
| TOTAL SHARES & DEPOSITS | 39,076,905 |
| TOTAL LIABILITIES | 39,080,798 |
| Regular Reserve | 0 |
| Other Reserves | 812,000 |
| Undivided Earnings | 5,152,300 |
| TOTAL EQUITY | 5,964,300 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 45,045,098 |
| INCOME & EXPENSE | |
| Loan Income | 440,587 |
| Investment Income | 566,518 |
| Other Income | 67,822 |
| Total Employee Compensation & Benefits | 319,318 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 379,306 |
| Non-operating Income & (Expense) | 3,356 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 5,102 |
| Cost of Funds | 199,489 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 175,068 |
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