Nonprofit · EIN 04-1231965
JEANNE DARC CREDIT UNION
Tax-exempt · LOWELL, MA 01854
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $106,187,337 | $101,213,326 | $4,974,011 | $2,210,721,000 | $2,048,418,715 | $162,302,285 |
| December 31, 2023 | 990 | $90,760,931 | $80,898,300 | $9,862,631 | $2,129,780,000 | $1,972,414,908 | $157,365,092 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $80,651,000
- Investment income
- $11,066,586
- Net gain from sales of assets
- $313,042
- Other revenue
- $14,469,751
Expenses
- Grants and similar amounts paid
- $538,038
- Compensation of officers, directors and key employees
- $3,869,086
- Other salaries and wages
- $15,868,648
- Salaries, compensation and benefits (total)
- $24,729,733
- Professional fundraising fees
- $0
- Legal fees
- $442,742
- Accounting fees
- $944,245
- Occupancy
- $3,512,098
- Depreciation
- $1,697,152
Balance sheet and other
- Total assets, start of year
- $2,129,780,000
- Total assets, end of year
- $2,210,721,000
- Total liabilities, end of year
- $2,048,418,715
- Net assets, end of year
- $162,302,285
- Land, buildings and equipment
- $35,852,904
- Publicly traded securities
- $129,473,631
- Gross unrelated business income
- $120,892
- Gross receipts
- $106,798,398
- Employees
- 348
- Volunteers
- 216
- Year formed
- 1912
- State of legal domicile
- MA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MARK S COCHRAN | PRESIDENT/CEO/DIR. (ENDED 8/2024) Trustee or director, Officer | 40 | $1,000,465 | $239,434 |
| MICHAEL P DUBUQUE | EVP & COO (ENDED 10/2024) Key employee | 40 | $892,841 | $149,338 |
| JAMES HIRBOUR | SENIOR LOAN OFFICER Highest-paid employee | 40 | $753,367 | $34,539 |
| JOSEPH M PRINCI II | SVP & CFO Key employee | 40 | $573,761 | $102,309 |
| BRIAN SOUSA | SVP & CLO Key employee | 40 | $494,065 | $99,132 |
| ROBIN LORENZEN | SVP & CMO Key employee | 40 | $312,610 | $55,107 |
| GRANT ALOIS | SVP & CIO (AS OF 1/2024) Key employee | 40 | $270,500 | $37,278 |
| KEITH M MICAVICH | SENIOR LOAN OFFICER Highest-paid employee | 40 | $256,256 | $20,559 |
| LARISSA THURSTON | PRESIDENT/CEO (AS OF 8/2024) Officer | 40 | $276,125 | $0 |
| KARA DOYLE | VP COMMERCIAL LENDING Highest-paid employee | 40 | $245,656 | $30,364 |
| GERARD L STEVENS | SENIOR LOAN OFFICER Highest-paid employee | 40 | $260,451 | $10,399 |
| PAUL MCDONALD | VP RESIDENTIAL & CONSUMER Highest-paid employee | 40 | $217,328 | $38,635 |
| SUSAN GREEN | DIRECTOR Trustee or director | 1 | $7,034 | $0 |
| JOHN CHEMALY | VICE CHAIR Trustee or director, Officer | 1 | $6,950 | $0 |
| NAOMI PRENDERGAST | CHAIRMAN Trustee or director, Officer | 1 | $6,950 | $0 |
4 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| HENRI MARCHAND | DIRECTOR Trustee or director | 1 | $6,950 |
| WILLIAM SOUCY | DIRECTOR Trustee or director | 1 | $6,950 |
| JOANNE YESTRAMSKI | CLERK/SECRETARY Trustee or director | 1 | $6,950 |
| SOCRATES DE LA CRUZ | DIRECTOR Trustee or director | 1 | $6,936 |
990 for the year ended December 31, 2023: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| MARK COCHRAN | PRESIDENT/CEO/DIRECTOR Trustee or director, Officer | 40 | $2,393,636 | $234,676 |
| JAMES HIRBOUR | SENIOR LOAN OFFICER Highest-paid employee | 40 | $703,856 | $35,671 |
| MICHAEL P DUBUQUE | EVP COO Key employee | 40 | $482,139 | $102,154 |
| MARK O'NEIL | SVP CAO Key employee | 40 | $491,463 | $67,246 |
| BRIAN SOUSA | SVP CLO Key employee | 40 | $463,053 | $92,475 |
| JOSEPH M PRINCI II | SVP CFO Key employee | 40 | $393,913 | $96,323 |
| CAROLYN PELLETIER | SVP CIO Key employee | 40 | $418,361 | $39,087 |
| ROBIN LORENZEN | SVP CMO Key employee | 40 | $287,596 | $49,419 |
| GERARD L STEVENS | SENIOR LOAN OFFICER Highest-paid employee | 40 | $302,456 | $12,421 |
| KARA DOYLE | VP COMMERCIAL LENDING Highest-paid employee | 40 | $236,022 | $28,529 |
| JASON E DUBOIS | MORTGAGE LOAN ORIGINATOR Highest-paid employee | 40 | $228,783 | $31,998 |
| PAUL MCDONALD | VP RESIDENTIAL & CONSUMER LENDING Highest-paid employee | 40 | $202,513 | $42,941 |
| SUSAN GREEN | DIRECTOR Trustee or director | 1 | $7,034 | $0 |
| JOHN CHEMALY | VICE CHAIR Trustee or director, Officer | 1 | $6,950 | $0 |
| NAOMI PRENDERGAST | CHAIRMANT Trustee or director, Officer | 1 | $6,950 | $0 |
| HENRI MARCHAND | DIRECTOR Trustee or director | 1 | $6,950 | $0 |
| WILLIAM SOUCY | DIRECTOR Trustee or director | 1 | $6,950 | $0 |
| JOANNE YESTRAMSKI | DIRECTOR Trustee or director | 1 | $6,950 | $0 |
| SOCRATES DE LA CRUZ | DIRECTOR (AS OF 2/23) Trustee or director | 1 | $4,633 | $0 |
Address and contacts
- Address (IRS master file)
- 1 TREMONT PL, LOWELL, MA 01854-3658
- In care of
- % DENISE MACLEOD
- Principal officer (990 for 2024)
- LARISSA THURSTON, 1 TREMONT PLACE, LOWELL, MA 01854
- Signed the 990
- JOSEPH PRINCI, SVP/CFO
- Phone
- (978) 452-5001
- Website
- WWW.JDCU.COM
- Return prepared by
- WOLF & COMPANY PC
Mission
SEE SCHEDULE O
Program accomplishments
- JEANNE D'ARC CREDIT UNION IS THE THIRD OLDEST CREDIT UNION IN THE COUNTRY FOUNDED IN LOWELL MASSACHUSETTS IN 1912. IT CURRENTLY HAS 102,519 MEMBERS WHO HAVE $1,740 MILLION IN DEPOSIT ACCOUNTS & NET LOANS OUTSTANDING OF $1,785 MILLION AS OF DECEMBER 31, 2024.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 04-1231965
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1935
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $2,210,721,000
- Income (IRS master file)
- $106,798,398
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $106,187,337 | $101,213,326 | $2,210,721,000 | XML |
| 990 | December 2023 | $90,760,931 | $80,898,300 | $2,129,780,000 | XML |
| 990 | December 2022 | $66,569,870 | $56,996,665 | $2,051,657,522 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 04-1231965).
Questions about JEANNE DARC CREDIT UNION
- What is the EIN of JEANNE DARC CREDIT UNION?
- The employer identification number (EIN) of JEANNE DARC CREDIT UNION is 04-1231965.
- Is JEANNE DARC CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1935.
- Are donations to JEANNE DARC CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does JEANNE DARC CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of JEANNE DARC CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did JEANNE DARC CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of JEANNE DARC CREDIT UNION?
- The 990 for the year ended December 31, 2024 names LARISSA THURSTON.
- Who are the officers and directors of JEANNE DARC CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 19 people; 19 received compensation from the organization, the highest $1,000,465 (MARK S COCHRAN, PRESIDENT/CEO/DIR. (ENDED 8/2024)).
- How much revenue does JEANNE DARC CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $106,187,337, expenses of $101,213,326 and total assets of $2,210,721,000 at year end.
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