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FIRST RESPONDERS CREDIT UNION

EIN 04-2077206 DORCHESTER, MA

Revenue 2024
$21,804,632
Expenses 2024
$18,274,622

As filed

Subsection
14
Classification
1000
Street
60 HALLET ST

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • richard Hayward Jr

    President & CEO

    Total calculated
    $516,734
    From this org
    $430,660
    From related orgs
    $0
    Other
    $86,074
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $358,682
    Bonus
    $25,952
    Other
    $46,026
    Deferred
    $61,599
    Nontaxable benefits
    $24,475
    Filer's total
    $516,734

  • craig mackenzie

    EVP/COO (Resigned 12/2024)

    Total calculated
    $353,696
    From this org
    $327,571
    From related orgs
    $0
    Other
    $26,125
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $258,272
    Bonus
    $31,000
    Other
    $38,299
    Deferred
    $17,405
    Nontaxable benefits
    $8,720
    Filer's total
    $353,696

  • cristina Prentis

    SVP/CFO

    Total calculated
    $246,189
    From this org
    $213,639
    From related orgs
    $0
    Other
    $32,550
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $181,727
    Bonus
    $20,691
    Other
    $11,221
    Deferred
    $32,327
    Nontaxable benefits
    $223
    Filer's total
    $246,189

  • kenneth Nasiff

    SVP MBL

    Total calculated
    $241,921
    From this org
    $202,910
    From related orgs
    $0
    Other
    $39,011
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $188,805
    Bonus
    $9,820
    Other
    $4,285
    Deferred
    $14,465
    Nontaxable benefits
    $24,546
    Filer's total
    $241,921

  • Andy Puga

    SVP/CIO

    Total calculated
    $223,616
    From this org
    $172,690
    From related orgs
    $0
    Other
    $50,926
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $154,185
    Bonus
    $13,650
    Other
    $4,855
    Deferred
    $26,454
    Nontaxable benefits
    $24,472
    Filer's total
    $223,616

  • Cathy Boucher

    EVP/COO (Retired 4/2024)

    Total calculated
    $219,757
    From this org
    $202,041
    From related orgs
    $0
    Other
    $17,716
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $65,262
    Bonus
    $22,415
    Other
    $114,364
    Deferred
    $14,692
    Nontaxable benefits
    $3,024
    Filer's total
    $219,757

  • catherine guerard

    VP Member Services

    Total calculated
    $178,219
    From this org
    $153,750
    From related orgs
    $0
    Other
    $24,469
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $139,487
    Bonus
    $8,839
    Other
    $5,424
    Deferred
    $22,793
    Nontaxable benefits
    $1,676
    Filer's total
    $178,219

  • wendy reiter

    Controller

    Total calculated
    $171,647
    From this org
    $134,315
    From related orgs
    $0
    Other
    $37,332
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $123,559
    Bonus
    $7,789
    Other
    $2,967
    Deferred
    $20,088
    Nontaxable benefits
    $17,244
    Filer's total
    $171,647

  • kaitryn Thornton

    VP Lending

    Total calculated
    $165,277
    From this org
    $144,273
    From related orgs
    $0
    Other
    $21,004
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $127,286
    Bonus
    $9,475
    Other
    $7,512
    Deferred
    $21,004
    Nontaxable benefits
    not reported
    Filer's total
    $165,277

  • Raymond Lazcano

    Financial Advisor

    Total calculated
    $151,464
    From this org
    $124,063
    From related orgs
    $0
    Other
    $27,401
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $91,572
    Bonus
    $31,789
    Other
    $702
    Deferred
    $18,709
    Nontaxable benefits
    $8,692
    Filer's total
    $151,464

  • Carlos Fontes

    IT Systems Officer

    Total calculated
    $145,761
    From this org
    $104,716
    From related orgs
    $0
    Other
    $41,045
    Hours/week
    37.5

  • Daniel Magoon

    Chairman

    Total calculated
    $12,504
    From this org
    $12,504
    From related orgs
    $0
    Other
    $0
    Hours/week
    3

  • Joseph Casper

    Treasurer/Clerk

    Total calculated
    $6,252
    From this org
    $6,252
    From related orgs
    $0
    Other
    $0
    Hours/week
    3

  • Charles Buchanan

    Director

    Total calculated
    $0
    Hours/week
    1

  • Christopher Burke

    Director

    Total calculated
    $0
    Hours/week
    1

  • Edmund Street

    Director

    Total calculated
    $0
    Hours/week
    1

  • Kevin Meehan

    Director

    Total calculated
    $0
    Hours/week
    1

  • Marc Sanders

    Director

    Total calculated
    $0
    Hours/week
    1

  • Ralph Dowling

    Director

    Total calculated
    $0
    Hours/week
    1

  • Sean Costello

    Vice Chair

    Total calculated
    $0
    Hours/week
    1

  • William O'Sullivan

    Director

    Total calculated
    $0
    Hours/week
    1

  • John Broderick

    Director

    Total calculated
    $0
    Hours/week
    1

  • Sean O'Brien

    Director (Ended 11/19/2024)

    Total calculated
    $0
    Hours/week
    1

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $21,804,632
    Expenses
    $18,274,622
    Contributions
    $0
    Grants paid
    $200,000
  • 2023
    Revenue
    $20,405,832
    Expenses
    $16,670,689
    Contributions
    $0
    Grants paid
    $175,000
  • 2022
    Revenue
    $16,089,033
    Expenses
    $12,432,948
    Contributions
    $0
    Grants paid
    $168,625

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $13,830,110
    Expenses
    $11,184,191
    Assets (EOY)
    $398,016,214

  • 2020 · 990

    Revenue
    $13,311,458
    Expenses
    $10,747,727
    Assets (EOY)
    $359,788,534

  • 2019 · 990

    Revenue
    $13,734,069
    Expenses
    $11,272,659
    Assets (EOY)
    $300,083,530

  • 2018 · 990

    Revenue
    $12,742,712
    Expenses
    $9,809,632
    Assets (EOY)
    $269,283,599

  • 2017 · 990

    Revenue
    $11,183,349
    Expenses
    $8,935,738
    Assets (EOY)
    $264,848,822

  • 2016 · 990

    Revenue
    $10,108,649
    Expenses
    $8,006,274
    Assets (EOY)
    $251,312,265

  • 2015 · 990

    Revenue
    $8,866,867
    Expenses
    $7,016,192
    Assets (EOY)
    $228,267,983

  • 2014 · 990

    Revenue
    $7,969,507
    Expenses
    $6,391,848
    Assets (EOY)
    $209,085,027

  • 2013 · 990

    Revenue
    $7,749,491
    Expenses
    $6,341,490
    Assets (EOY)
    $187,792,753

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $6,585,344
    Assets (EOY)
    $182,518,745

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

The 10 largest by cash amount. The API serves every itemized grant.

Where these grants went next →

Grants received

No itemized grant names this organization as a recipient. Only grants over $5,000 are itemized, and only by filers of the full Form 990.

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 13 October 2026 and read 23 October 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.