Nonprofit · EIN 41-0226128
DULUTH FIRE DEPARTMENT CREDIT UNION
Also known as DULUTH FIRE DEPT
Tax-exempt · DULUTH, MN 55802
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $311,669 | $270,588 | $41,081 | $7,352,354 | $6,226,540 | $1,125,814 |
| December 31, 2024 | 990 | $291,735 | $249,529 | $42,206 | $6,700,661 | $5,615,928 | $1,084,733 |
| December 31, 2023 | 990 | $233,762 | $183,035 | $50,727 | $6,784,363 | $5,741,836 | $1,042,527 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $165,010
- Investment income
- $146,659
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $152,888
- Compensation of officers, directors and key employees
- $23,000
- Other salaries and wages
- $44,068
- Salaries, compensation and benefits (total)
- $72,542
- Professional fundraising fees
- $0
- Occupancy
- $246
- Program services (functional)
- $270,588
Balance sheet and other
- Total assets, start of year
- $6,700,661
- Total assets, end of year
- $7,352,354
- Total liabilities, end of year
- $6,226,540
- Net assets, end of year
- $1,125,814
- Gross receipts
- $311,669
- Employees
- 5
- Volunteers
- 11
- Year formed
- 1932
- State of legal domicile
- MN
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 |
|---|---|---|---|
| DAVID J TORGERSON | MANAGER Key employee | 16 | $23,000 |
| CHAD COOKE | PRESIDENT Trustee or director, Officer | 0 | $0 |
| RICHARD GRONDAHL | VICE-PRESIDENT Trustee or director, Officer | 0 | $0 |
| LUKE MATLON | DIRECTOR Trustee or director | 0 | $0 |
| KATIE SANDSTROM | DIRECTOR Trustee or director | 0 | $0 |
| SANDRA MCCOMB | DIRECTOR Trustee or director | 0 | $0 |
990 for the year ended December 31, 2024: 6 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| DAVID J TORGERSON | MANAGER Key employee | 16 | $21,175 |
| CHAD COOKE | PRESIDENT Trustee or director, Officer | 0 | $0 |
| RICHARD GRONDAHL | VICE-PRESIDENT Trustee or director, Officer | 0 | $0 |
| CARLA GAMRADT | DIRECTOR Trustee or director | 0 | $0 |
| KATIE SANDSTROM | DIRECTOR Trustee or director | 0 | $0 |
| SANDRA MCCOMB | DIRECTOR Trustee or director | 0 | $0 |
990 for the year ended December 31, 2023: 6 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| DAVID J TORGERSON | MANAGER Key employee | 16 | $19,438 |
| CHAD COOKE | PRESIDENT Trustee or director, Officer | 0 | $0 |
| RICHARD GRONDAHL | VICE-PRESIDENT Trustee or director, Officer | 0 | $0 |
| CARLA GAMRADT | DIRECTOR Trustee or director | 0 | $0 |
| KATIE SANDSTROM | DIRECTOR Trustee or director | 0 | $0 |
| SANDRA MCCOMB | DIRECTOR Trustee or director | 0 | $0 |
Address and contacts
- Address (IRS master file)
- 602 W 2ND ST, DULUTH, MN 55802-1508
- Principal officer (990 for 2025)
- DAVID J TORGERSON, 602 W 2ND STREET, DULUTH, MN 55802
- Signed the 990
- David Torgerson, Manager
- Phone
- (218) 723-8357
Mission
PROVIDE MEMBERS WITH THE BEST RETURNS ON THEIR INVESTMENTS AS WELL AS COMPETITIVE LOAN RATES BY USING PROCEEDS TO FUND THESE PROGRAMS
Program accomplishments
- SALARY EXPENSE-THE CREDIT UNION EMPLOYEES SERVE OUR MEMBERS WELLExpenses $72,542
- DIVIDEND EXPENSE-THE CREDIT UNION HAS COMPETITIVE RATES ON DEPOSITS FOR MEMBERSExpenses $152,888
- BOND AND INSURANCE-NECESSARY FOR THE CREDIT UNION TO OPERATEExpenses $6,584
- SEE SCHEDULE O, STATEMENT 1Expenses $38,574
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
- 41-0226128
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1944
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 0708: CREDIT UNIONS IN THE STATE OF MINNESOTA
- Assets (IRS master file)
- $7,352,354
- Income (IRS master file)
- $311,669
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $311,669 | $270,588 | $7,352,354 | XML |
| 990 | December 2024 | $291,735 | $249,529 | $6,700,661 | IRS |
| 990 | December 2023 | $233,762 | $183,035 | $6,784,363 | XML |
| 990 | December 2022 | $177,221 | $123,777 | $6,193,191 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | 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 41-0226128).
Questions about DULUTH FIRE DEPARTMENT CREDIT UNION
- What is the EIN of DULUTH FIRE DEPARTMENT CREDIT UNION?
- The employer identification number (EIN) of DULUTH FIRE DEPARTMENT CREDIT UNION is 41-0226128.
- Is DULUTH FIRE DEPARTMENT CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1944.
- Are donations to DULUTH FIRE DEPARTMENT CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does DULUTH FIRE DEPARTMENT 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 DULUTH FIRE DEPARTMENT 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 DULUTH FIRE DEPARTMENT 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 DULUTH FIRE DEPARTMENT CREDIT UNION?
- The 990 for the year ended December 31, 2025 names DAVID J TORGERSON.
- Who are the officers and directors of DULUTH FIRE DEPARTMENT CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 6 people; 1 received compensation from the organization, the highest $23,000 (DAVID J TORGERSON, MANAGER).
- How much revenue does DULUTH FIRE DEPARTMENT CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $311,669, expenses of $270,588 and total assets of $7,352,354 at year end.
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