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Nonprofit · EIN 04-2079800

ENERGY CREDIT UNION

Tax-exempt · WEST ROXBURY, MA 02132

Financials

$5.5M$4.9M2023$6.1M$5.5M2024$6M$5.5M2025
Revenue Expenses · by fiscal year end
Financials of ENERGY CREDIT UNION by year, from its e-filed returns
Year endedFormRevenueExpensesNet incomeTotal assetsLiabilitiesNet assets
December 31, 2025990$6,011,891$5,466,149$545,742$124,420,267$104,111,052$20,309,215
December 31, 2024990$6,088,465$5,536,856$551,609$131,307,492$112,280,648$19,026,844
December 31, 2023990$5,479,399$4,868,200$611,199$129,582,050$111,268,926$18,313,124
Financial details: 990 for the year ended December 31, 2025

Revenue

Contributions, gifts and grants
$0
Program service revenue
$4,576,158
Investment income
$1,140,420
Net rental income
-$9,237
Other revenue
$295,313

Expenses

Grants and similar amounts paid
$5,000
Compensation of officers, directors and key employees
$681,203
Other salaries and wages
$642,952
Salaries, compensation and benefits (total)
$1,574,042
Professional fundraising fees
$0
Legal fees
$18,070
Accounting fees
$68,429
Occupancy
$100,615
Depreciation
$142,033

Balance sheet and other

Total assets, start of year
$131,307,492
Total assets, end of year
$124,420,267
Total liabilities, end of year
$104,111,052
Net assets, end of year
$20,309,215
Land, buildings and equipment
$3,580,156
Publicly traded securities
$16,889,949
Gross unrelated business income
$15,562
Gross receipts
$6,029,428
Employees
17
Volunteers
10
Year formed
1931
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.

NameTitleHours / weekCompensationOther / benefits
HOOI SING TANPRESIDENT &
Trustee or director, Officer
40$273,656$48,990
JAMES BROUDERCFO/TREASURE
Officer
40$156,515$20,711
RICHARD ANDREWDIRECTOR
Trustee or director
–$0$0
JOHN BARRETTDIRECTOR
Trustee or director
–$0$0
ANTHONY CISTERNELLIDIRECTOR/ASS
Trustee or director
–$0$0
FAUSTINA FORTESCLERK
Trustee or director, Officer
–$0$0
JAMES FREEMANDIRECTOR
Trustee or director
–$0$0
DAVID GAMACHEDIRECTOR
Trustee or director
–$0$0
SHANE HARRINGTONDIRECTOR
Trustee or director
–$0$0
JAMES GODDING JRCHAIRPERSON
Trustee or director, Officer
–$0$0
ROBERT LEWISDIRECTOR
Trustee or director
–$0$0
FRANCO ROMEROVICE CHAIRPE
Trustee or director, Officer
–$0$0
990 for the year ended December 31, 2024: 12 people
NameTitleHours / weekCompensationOther / benefits
HOOI SING TANPRESIDENT &
Trustee or director, Officer
40$256,444$44,705
JAMES BROUDERCFO/TREASURE
Officer
40$159,031$19,557
RICHARD ANDREWDIRECTOR
Trustee or director
–$0$0
JOHN BARRETTDIRECTOR
Trustee or director
–$0$0
ANTHONY CISTERNELLIDIRECTOR/ASS
Trustee or director
–$0$0
FAUSTINA FORTESCLERK
Trustee or director, Officer
–$0$0
DAVID GAMACHEDIRECTOR
Trustee or director
–$0$0
SHANE HARRINGTONDIRECTOR
Trustee or director
–$0$0
JAMES GODDING JRCHAIRPERSON
Trustee or director, Officer
–$0$0
ROBERT LEWISDIRECTOR
Trustee or director
–$0$0
DANIEL O'CONNELLDIRECTOR
Trustee or director
–$0$0
FRANCO ROMEROVICE CHAIRPE
Trustee or director, Officer
–$0$0
990 for the year ended December 31, 2023: 12 people
NameTitleHours / weekCompensationOther / benefits
HOOI SING TANPRESIDENT &
Trustee or director, Officer
40$239,767$47,233
JAMES BROUDERCFO/TREASURE
Officer
40$136,476$20,103
RICHARD ANDREWDIRECTOR
Trustee or director
0$0$0
JOHN BARRETTDIRECTOR
Trustee or director
0$0$0
ANTHONY CISTERNELLIDIRECTOR/ASS
Trustee or director
0$0$0
FAUSTINA FORTESCLERK
Trustee or director, Officer
–$0$0
DAVID GAMACHEDIRECTOR
Trustee or director
0$0$0
SHANE HARRINGTONDIRECTOR
Trustee or director
0$0$0
JAMES GODDING JRCHAIRPERSON
Trustee or director, Officer
0$0$0
ROBERT LEWISDIRECTOR
Trustee or director
0$0$0
DANIEL O'CONNELLDIRECTOR
Trustee or director
0$0$0
FRANCO ROMEROVICE CHAIRPE
Trustee or director, Officer
0$0$0

Address and contacts

Address (IRS master file)
156 SPRING ST, WEST ROXBURY, MA 02132-4811
Principal officer (990 for 2025)
HOOI SING TAN, 156 SPRINGS STREET, WEST ROXBURY, MA 02132
Signed the 990
JAMES BROUDER, CFO/TREASURER
Phone
(617) 325-1999
Return prepared by
MYSTIC ACCOUNTING GROUP LLP

Mission

ENERGY CREDIT UNION IS A STATE CHARTERED CREDIT UNION. THE CREDIT UNION PROVIDES DEPOSIT AND LOAN SERVICES TO ITS MEMBERS. ITS PRIMARY DEPOSIT PRODUCTS ARE SAVINGS, CHECKING AND TERM CERTIFICATE ACCOUNTS AND ITS PRIMARY LENDING PRODUCTS ARE RESIDENTIAL MORTGAGES AND CONSUMER LOANS.

990 for the year ended December 31, 2025

Program accomplishments

  • MAINTENANCE OF MEMBERS' DEPOSITS AND PAYMENTS OF INTEREST AND DIVIDENDS. AT 12/31/25, THE CREDIT UNION HAD 2,761 LOANS OUTSTANDING. ALSO, MEMBERS HAD 10,842 DEPOSIT ACCOUNTS.

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 yearYear endedDueIRS public records
2025December 31, 2025May 15, 2026990 on file
2024December 31, 2024May 15, 2025990 on file
2023December 31, 2023May 15, 2024990 on file

IRS record

EIN
04-2079800
Tax-exempt status
501(c)(14): State-chartered credit union
Donations deductible
No
Exempt since
1934
Accounting year ends
December
Files
Form 990 or 990-EZ
Assets (IRS master file)
$124,420,267
Income (IRS master file)
$6,029,428

Filing history

FormYear endedRevenueExpensesAssetsReturn
990December 2025$6,011,891$5,466,149$124,420,267XML
990December 2024$6,088,465$5,536,856$131,307,492IRS
990December 2023$5,479,399$4,868,200$129,582,050XML
990December 2022$4,195,171$3,517,053$133,032,845IRS
990December 2021–––IRS
990December 2020–––IRS
990December 2019–––IRS
990December 2018–––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 04-2079800).

Questions about ENERGY CREDIT UNION

What is the EIN of ENERGY CREDIT UNION?
The employer identification number (EIN) of ENERGY CREDIT UNION is 04-2079800.
Is ENERGY CREDIT UNION tax-exempt?
Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1934.
Are donations to ENERGY CREDIT UNION tax-deductible?
No. The IRS master file says contributions to it are not deductible.
Which annual return does ENERGY 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 ENERGY 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 ENERGY 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 ENERGY CREDIT UNION?
The 990 for the year ended December 31, 2025 names HOOI SING TAN.
Who are the officers and directors of ENERGY CREDIT UNION?
The 990 for the year ended December 31, 2025 lists 12 people; 2 received compensation from the organization, the highest $273,656 (HOOI SING TAN, PRESIDENT &).
How much revenue does ENERGY CREDIT UNION have?
On its 990 for the year ended December 31, 2025 it reported revenue of $6,011,891, expenses of $5,466,149 and total assets of $124,420,267 at year end.

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