Nonprofit · EIN 04-1859290
GREATER SPRINGFIELD CREDIT UNION
Tax-exempt · SPRINGFIELD, MA 01109
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $10,833,946 | $7,794,737 | $3,039,209 | $226,705,849 | $186,186,750 | $40,519,099 |
| December 31, 2024 | 990 | $9,614,722 | $7,155,310 | $2,459,412 | $233,310,109 | $197,942,639 | $35,367,470 |
| December 31, 2023 | 990 | $8,065,826 | $5,553,694 | $2,512,132 | $232,247,256 | $199,548,943 | $32,698,313 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $7,017,873
- Investment income
- $3,795,116
- Net rental income
- $12,825
- Other revenue
- $20,957
Expenses
- Grants and similar amounts paid
- $19,661
- Compensation of officers, directors and key employees
- $379,705
- Other salaries and wages
- $1,600,209
- Salaries, compensation and benefits (total)
- $2,561,698
- Professional fundraising fees
- $0
- Legal fees
- $87,212
- Accounting fees
- $58,414
- Occupancy
- $150,350
- Depreciation
- $98,177
Balance sheet and other
- Total assets, start of year
- $233,310,109
- Total assets, end of year
- $226,705,849
- Total liabilities, end of year
- $186,186,750
- Net assets, end of year
- $40,519,099
- Land, buildings and equipment
- $1,280,818
- Publicly traded securities
- $61,066,814
- Gross unrelated business income
- $41,920
- Gross receipts
- $10,868,521
- Employees
- 41
- Volunteers
- 8
- Year formed
- 1927
- 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, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JENNIFER ST PETER | CEO Officer | 40 | $238,089 | $23,203 |
| JENNIFER GALLANT | CFO Officer | 40 | $141,617 | $0 |
| AUBREY CARPE | VP LENDING Highest-paid employee | 40 | $127,945 | $0 |
| DAVID WELLS | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| MARK KENNEY | TREASURER Trustee or director | 1 | $0 | $0 |
| NICK MANOLAKIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHERYL CLAPPROOD | SECRETARY Trustee or director | 1 | $0 | $0 |
| THOMAS GARDINER | VICE CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| TIMOTHY P MORROW | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ORETTE HO SANG | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2024: 11 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JENNIFER ST PETER | CEO Officer | 40 | $213,157 | $21,386 |
| JENNIFER GALLANT | CFO Officer | 40 | $137,033 | $0 |
| AUBREY CARPE | VP LENDING Highest-paid employee | 40 | $123,696 | $0 |
| DAVID WELLS | CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| CORNELIUS SULLIVAN | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| MARK KENNEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| NICK MANOLAKIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHERYL CLAPPROOD | SECRETARY Trustee or director | 1 | $0 | $0 |
| THOMAS GARDINER | VICE CHAIRPERSON Trustee or director, Officer | 1 | $0 | $0 |
| TIMOTHY P MORROW | DIRECTOR Trustee or director | 1 | $0 | $0 |
| ORETTE HO SANG | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 12 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JENNIFER ST PETER | CEO Officer | 40 | $182,406 | $17,822 |
| JENNIFER GALLANT | CFO Officer | 40 | $114,439 | $0 |
| DAVID WELLS | CHAIRPERSON Trustee or director, Officer | 5 | $0 | $0 |
| THOMAS SULLIVAN | VICE CHAIRPERSON Trustee or director, Officer | 8.75 | $0 | $0 |
| CORNELIUS SULLIVAN | TREASURER Trustee or director, Officer | 3 | $0 | $0 |
| MARK KENNEY | ASST. TREASURER Trustee or director | 1.75 | $0 | $0 |
| JOHN TUREGEON | DIRECTOR Trustee or director | 3 | $0 | $0 |
| GARY ROOKE | DIRECTOR Trustee or director | 1.75 | $0 | $0 |
| NICK MANOLAKIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CHERYL CLAPPROOD | SECRETARY Trustee or director | 1 | $0 | $0 |
| KENNETH GUSTAFSON | DIRECTOR Trustee or director | 0.5 | $0 | $0 |
| THOMAS GARDINER | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1030 WILBRAHAM RD, SPRINGFIELD, MA 01109-2023
- In care of
- % JENNIFER DANDURAND
- Principal officer (990 for 2025)
- JENNIFER ST PETER, 1030 WILBRAHAM ROAD, SPRINGFIELD, MA 011092023
- Signed the 990
- JENNIFER ST PETER, CEO
- Phone
- (413) 782-3161
- Website
- WWW.GRSCU.ORG
- Return prepared by
- WHITTLESEY PC
Mission
TO PROVIDE A FRIENDLY ATMOSPHERE FOR ITS MEMBERS IN WHICH THEY CAN CONDUCT THEIR FINANCIAL BUSINESS AND TO OFFER FAIR RATES FOR SAVINGS, LOANS AND OTHER SERVICES AS THEY BECOME AVAILABLE.
Program accomplishments
- NOT REQUIRED.
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 | 990 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
- 04-1859290
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1942
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $226,705,849
- Income (IRS master file)
- $10,868,521
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $10,833,946 | $7,794,737 | $226,705,849 | IRS |
| 990 | December 2024 | $9,614,722 | $7,155,310 | $233,310,109 | XML |
| 990 | December 2023 | $8,065,826 | $5,553,694 | $232,247,256 | XML |
| 990 | December 2022 | $6,756,923 | $4,436,311 | $247,239,099 | 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 04-1859290).
Questions about GREATER SPRINGFIELD CREDIT UNION
- What is the EIN of GREATER SPRINGFIELD CREDIT UNION?
- The employer identification number (EIN) of GREATER SPRINGFIELD CREDIT UNION is 04-1859290.
- Is GREATER SPRINGFIELD CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1942.
- Are donations to GREATER SPRINGFIELD CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does GREATER SPRINGFIELD 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 GREATER SPRINGFIELD CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did GREATER SPRINGFIELD CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of GREATER SPRINGFIELD CREDIT UNION?
- The 990 for the year ended December 31, 2025 names JENNIFER ST PETER.
- Who are the officers and directors of GREATER SPRINGFIELD CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 10 people; 3 received compensation from the organization, the highest $238,089 (JENNIFER ST PETER, CEO).
- How much revenue does GREATER SPRINGFIELD CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $10,833,946, expenses of $7,794,737 and total assets of $226,705,849 at year end.
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