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Nonprofiteer
← BRIGHTBRIDGE CREDIT UNION

Form 990 for tax year 2024

Filed by BRIGHTBRIDGE CREDIT UNION.

Totals

Total revenue
$115,303,552
Total expenses
$108,095,127
Contributions and grants received
$0
Grants paid
$0
Program service revenue
$98,628,087
Investment income
$16,675,465
Other revenue
$0
Total assets, end of year
$2,206,868,303
Total liabilities, end of year
$2,013,104,511
Net assets or fund balances, end of year
$193,763,792
Program services expenses (Part IX)
not reported
Management and general expenses
not reported
Fundraising expenses
not reported
Program service expenses (Part III)
not reported

Line items

Every line the filer filed in Parts VIII, IX and X, as filed and in filed order. Blank columns are left out, and the lines are not forced to add up to the totals above.

Revenue

Part VIII, the statement of revenue.

  • 2a · Program service revenue: LOAN INTEREST FEE

    total $84,296,082 · related or exempt $84,296,082

  • 2b · Program service revenue: FEE INCOME

    total $12,550,157 · related or exempt $12,381,461 · unrelated business $168,696

  • 2c · Program service revenue: OTHER OPERATING INCOME

    total $1,781,848 · related or exempt $1,781,848

  • 3 · Investment income

    total $16,840,963 · related or exempt $16,840,963

  • 7a · Gross sales of assets other than inventory

    securities $26,023,282

  • 7b · Less cost or other basis and sales expenses

    securities $26,010,415 · other assets $178,365

  • 7c · Gain or loss

    securities $12,867 · other assets -$178,365

  • 7d · Net gain or loss

    total -$165,498 · excluded -$165,498

Functional expenses

Part IX, the statement of functional expenses.

  • 4 · Benefits paid to or for members

    total $30,574,287

  • 5 · Compensation of officers, directors and key employees

    total $13,200,315

  • 7 · Other salaries and wages

    total $20,116,579

  • 8 · Pension plan contributions

    total $1,090,512

  • 9 · Other employee benefits

    total $3,183,058

  • 10 · Payroll taxes

    total $2,117,355

  • 11a · Fees: management

    total $1,849,459

  • 11b · Fees: legal

    total $372,859

  • 11c · Fees: accounting

    total $470,072

  • 11g · Fees: other

    total $354,516

  • 12 · Advertising and promotion

    total $2,044,275

  • 13 · Office expenses

    total $2,606,287

  • 14 · Information technology

    total $3,626,328

  • 16 · Occupancy

    total $3,571,118

  • 17 · Travel

    total $1,238,369

  • 20 · Interest

    total $2,467,706

  • 22 · Depreciation, depletion and amortization

    total $1,953,210

  • 23 · Insurance

    total $347,142

  • 24a · Other expenses: MISCELLANEOUS OPERATING

    total $4,932,845

  • 24b · Other expenses: INTANGIBLE AMORTIZATION

    total $3,569,189

  • 24c · Other expenses: ATM EXPENSE

    total $2,936,818

  • 24d · Other expenses: LOAN SERVICING EXPENSE

    total $2,827,717

  • 24e · All other expenses

    total $2,645,111

Balance sheet

Part X, book values.

  • 1 · Cash, non-interest-bearing

    beginning of year $12,600,406 · end of year $11,094,916

  • 2 · Savings and temporary cash investments

    beginning of year $85,198,481 · end of year $72,177,426

  • 5 · Loans and receivables from officers and key people

    beginning of year $25,742,166 · end of year $26,207,818

  • 7 · Other notes and loans receivable

    beginning of year $1,500,658,466 · end of year $1,568,053,884

  • 9 · Prepaid expenses and deferred charges

    beginning of year $1,733,998 · end of year $3,048,445

  • 10a · Land, buildings and equipment: cost or other basis

    $39,934,761

  • 10b · Land, buildings and equipment: accumulated depreciation

    $13,668,909

  • 10c · Land, buildings and equipment, net

    beginning of year $25,745,999 · end of year $26,265,852

  • 12 · Investments: other securities

    beginning of year $466,725,750 · end of year $363,794,060

  • 13 · Investments: program-related

    beginning of year $17,005,371 · end of year $7,088,518

  • 14 · Intangible assets

    beginning of year $62,680,035 · end of year $59,110,846

  • 15 · Other assets

    beginning of year $45,714,668 · end of year $70,026,538

  • 17 · Accounts payable and accrued expenses

    beginning of year $25,968,357 · end of year $15,902,552

  • 21 · Escrow or custodial account liability

    beginning of year $4,328,202 · end of year $8,606,090

  • 23 · Secured mortgages and notes payable

    beginning of year $32,853,277 · end of year $85,000,000

  • 25 · Other liabilities

    beginning of year $1,997,730,596 · end of year $1,903,595,869

  • 29 · Capital stock, trust principal or current funds

    beginning of year $0 · end of year $0

  • 30 · Paid-in or capital surplus, or land, building or equipment fund

    beginning of year $0 · end of year $0

  • 31 · Retained earnings, endowment or other funds

    beginning of year $182,924,908 · end of year $193,763,792

Mission and programs · 2024

Mission

TO SERVE OUR COMMUNITY AND PARTNER WITH OUR MEMBERS TO OFFER VALUE ADDED FINANCIAL PRODUCTS, SERVICES, SOLUTIONS AND EXCELLENT MEMBER SERVICE.

Activities or mission (Part I)

MEMBER OWNED FINANCIAL INSTITUTION OFFERING A VARIETY OF SAVINGS AND LOAN PRODUCTS.

  • SERVE APPROXIMATELY 84,000 MEMBERS OFFERING A WIDE VARIETY OF LOAN AND DEPOSIT PRODUCTS.

As filed on the 2024 return.

Listed in Part VII

  • ARTHUR OSBORN

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • SUSAN OSBORN

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • ALEXANDER R OSKI

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • BRITTNEY T PICKERING

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • LEON PRATT JR

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • MAUREEN RONAYNE

    SECRETARY

    Total calculated
    $0
    Hours/week
    3

  • STEPHANIE A SOUSA

    DIRECTOR

    Total calculated
    $18,065
    From this org
    $0
    From related orgs
    $0
    Other
    $18,065
    Hours/week
    3

  • JOHN F TORPEY

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • DOMENIC P MAZZOCCO

    CHAIRMAN

    Total calculated
    $0
    Hours/week
    3

  • BERNARD J MULHOLLAND

    1ST VICE CHAIRMAN

    Total calculated
    $9,060
    From this org
    $0
    From related orgs
    $0
    Other
    $9,060
    Hours/week
    3

  • ARTHUR ODEA

    2ND VICE CHAIRMAN

    Total calculated
    $0
    Hours/week
    3

  • CATHERINE DEBURRO

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • CHRISTIANA LANCIONE

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • DAVID LONDON

    ASSISTANT TREASURER

    Total calculated
    $9,539
    From this org
    $0
    From related orgs
    $0
    Other
    $9,539
    Hours/week
    3

  • HENRY DOYLE

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • JOAN KUHN

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • JOHN GARRASI

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • JOHN MANCINI

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • JOSEPH KELLEHER

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • MARY K BRIAND

    DIRECTOR

    Total calculated
    $5,595
    From this org
    $0
    From related orgs
    $0
    Other
    $5,595
    Hours/week
    3

  • MUKESH DAVE

    TREASURER

    Total calculated
    $0
    Hours/week
    3

  • PAUL MCGOWAN

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • PETER A MILLS

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • RONALD GUILMETTE

    DIRECTOR

    Total calculated
    $0
    Hours/week
    3

  • AUDREY GALLIVAN

    DIRECTOR

    Total calculated
    $4,164
    From this org
    $0
    From related orgs
    $0
    Other
    $4,164
    Hours/week
    1

  • JOHN HOWARD

    PRESIDENT / CEO

    Total calculated
    $984,220
    From this org
    $941,800
    From related orgs
    $0
    Other
    $42,420
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $742,300
    Bonus
    $199,500
    Other
    $0
    Deferred
    $24,150
    Nontaxable benefits
    $18,270
    Filer's total
    $984,220

  • BRADFORD EGAN

    EVP / CHIEF LENDING OFFICE

    Total calculated
    $712,599
    From this org
    $670,179
    From related orgs
    $0
    Other
    $42,420
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $500,179
    Bonus
    $170,000
    Other
    $0
    Deferred
    $24,150
    Nontaxable benefits
    $18,270
    Filer's total
    $712,599

  • STEPHEN LYNCH

    SVP / INFORMATION TECHNOLO

    Total calculated
    $468,680
    From this org
    $426,260
    From related orgs
    $0
    Other
    $42,420
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $306,260
    Bonus
    $120,000
    Other
    $0
    Deferred
    $24,150
    Nontaxable benefits
    $18,270
    Filer's total
    $468,680

  • YEAN-AI LONG

    SVP MARKETING

    Total calculated
    $321,943
    From this org
    $287,611
    From related orgs
    $0
    Other
    $34,332
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $254,828
    Bonus
    $32,783
    Other
    $0
    Deferred
    $16,242
    Nontaxable benefits
    $18,090
    Filer's total
    $321,943

  • ANTHONY MARINO

    SVP ORGANIZATIONAL DEVELOP

    Total calculated
    $267,235
    From this org
    $240,449
    From related orgs
    $0
    Other
    $26,786
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $207,225
    Bonus
    $33,224
    Other
    $0
    Deferred
    $16,719
    Nontaxable benefits
    $10,067
    Filer's total
    $267,235

  • DANTE DIMASSA

    SVP RESIDENTIAL LENDING

    Total calculated
    $327,380
    From this org
    $289,252
    From related orgs
    $0
    Other
    $38,128
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $229,252
    Bonus
    $60,000
    Other
    $0
    Deferred
    $20,038
    Nontaxable benefits
    $18,090
    Filer's total
    $327,380

  • ROBERT PIEPENBURG

    VP COMMERCIAL LENDING

    Total calculated
    $356,009
    From this org
    $314,475
    From related orgs
    $0
    Other
    $41,534
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $289,475
    Bonus
    $25,000
    Other
    $0
    Deferred
    $17,326
    Nontaxable benefits
    $24,208
    Filer's total
    $356,009

  • CHRISTINE RONCA

    SVP OPERATIONS

    Total calculated
    $312,021
    From this org
    $290,741
    From related orgs
    $0
    Other
    $21,280
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $230,741
    Bonus
    $60,000
    Other
    $0
    Deferred
    $18,121
    Nontaxable benefits
    $3,159
    Filer's total
    $312,021

  • JOHN MACKENZIE

    VP FINANCE

    Total calculated
    $294,766
    From this org
    $258,614
    From related orgs
    $0
    Other
    $36,152
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $202,364
    Bonus
    $56,250
    Other
    $0
    Deferred
    $18,083
    Nontaxable benefits
    $18,069
    Filer's total
    $294,766

  • LOUIS SERIO

    VP IT

    Total calculated
    $253,334
    From this org
    $235,446
    From related orgs
    $0
    Other
    $17,888
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $207,539
    Bonus
    $27,907
    Other
    $0
    Deferred
    $14,729
    Nontaxable benefits
    $3,159
    Filer's total
    $253,334

  • THERESA HAYES

    VP ONLINE AND DIGITAL CHAN

    Total calculated
    $276,199
    From this org
    $235,170
    From related orgs
    $0
    Other
    $41,029
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $174,570
    Bonus
    $60,600
    Other
    $0
    Deferred
    $14,852
    Nontaxable benefits
    $26,177
    Filer's total
    $276,199

  • TRACY MERMET

    VP HUMAN RESOURCES

    Total calculated
    $283,234
    From this org
    $248,263
    From related orgs
    $0
    Other
    $34,971
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $200,206
    Bonus
    $48,057
    Other
    $0
    Deferred
    $16,894
    Nontaxable benefits
    $18,077
    Filer's total
    $283,234

  • ROBERT CABRAL

    VP CONSUMER LENDING MANAGE

    Total calculated
    $219,269
    From this org
    $205,126
    From related orgs
    $0
    Other
    $14,143
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $170,126
    Bonus
    $35,000
    Other
    $0
    Deferred
    $12,210
    Nontaxable benefits
    $1,933
    Filer's total
    $219,269

  • JOHN HIMMEL

    VP COLLECTIONS

    Total calculated
    $176,389
    From this org
    $148,355
    From related orgs
    $0
    Other
    $28,034
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $132,238
    Bonus
    $16,117
    Other
    $0
    Deferred
    $10,273
    Nontaxable benefits
    $17,761
    Filer's total
    $176,389

  • ANNETTE YEE

    VP PROJECT DEVELOPMENT & C

    Total calculated
    $195,531
    From this org
    $166,145
    From related orgs
    $0
    Other
    $29,386
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $149,553
    Bonus
    $16,592
    Other
    $0
    Deferred
    $11,518
    Nontaxable benefits
    $17,868
    Filer's total
    $195,531

  • STEPHANIE LEE

    VP OPERATIONS

    Total calculated
    $199,022
    From this org
    $178,563
    From related orgs
    $0
    Other
    $20,459
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $158,614
    Bonus
    $19,949
    Other
    $0
    Deferred
    $11,643
    Nontaxable benefits
    $8,816
    Filer's total
    $199,022

  • ANITA PARKER

    VP / RISK MANAGEMENT

    Total calculated
    $221,934
    From this org
    $205,613
    From related orgs
    $0
    Other
    $16,321
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $176,654
    Bonus
    $28,959
    Other
    $0
    Deferred
    $14,339
    Nontaxable benefits
    $1,982
    Filer's total
    $221,934

  • GLENN PREZZANO

    VP CORPORATE COMMUNICATION

    Total calculated
    $210,317
    From this org
    $195,713
    From related orgs
    $0
    Other
    $14,604
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $172,746
    Bonus
    $22,967
    Other
    $0
    Deferred
    $13,238
    Nontaxable benefits
    $1,366
    Filer's total
    $210,317

  • KATIE LOWERY

    AVP MORTGAGE LENDING OPERA

    Total calculated
    $210,344
    From this org
    $187,690
    From related orgs
    $0
    Other
    $22,654
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $172,916
    Bonus
    $14,774
    Other
    $0
    Deferred
    $13,006
    Nontaxable benefits
    $9,648
    Filer's total
    $210,344

  • PAUL CARRIERE

    MORTGAGE LOAN ORIGINATOR (

    Total calculated
    $242,898
    From this org
    $203,543
    From related orgs
    $0
    Other
    $39,355
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $35,844
    Bonus
    $167,699
    Other
    $0
    Deferred
    $14,239
    Nontaxable benefits
    $25,116
    Filer's total
    $242,898

  • ZOBEIDA DUARTE

    AVP MEMBER SUPPORT

    Total calculated
    $134,216
    From this org
    $116,362
    From related orgs
    $0
    Other
    $17,854
    Hours/week
    37.5

  • MEGHA SINGH

    AVP COLLECTIONS

    Total calculated
    $165,069
    From this org
    $153,178
    From related orgs
    $0
    Other
    $11,891
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $138,178
    Bonus
    $15,000
    Other
    $0
    Deferred
    $10,714
    Nontaxable benefits
    $1,177
    Filer's total
    $165,069

  • DAVID TRAPP

    AVP ALM, PLANNING & BUDGET

    Total calculated
    $182,531
    From this org
    $153,815
    From related orgs
    $0
    Other
    $28,716
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $144,144
    Bonus
    $9,671
    Other
    $0
    Deferred
    $10,893
    Nontaxable benefits
    $17,823
    Filer's total
    $182,531

  • RICHARD WRIGHT

    STRATEGIC ADVISOR

    Total calculated
    $610,788
    From this org
    $576,848
    From related orgs
    $0
    Other
    $33,940
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $526,848
    Bonus
    $50,000
    Other
    $0
    Deferred
    $24,150
    Nontaxable benefits
    $9,790
    Filer's total
    $610,788

  • NICOLE JAMES

    EVP, CHIEF RETAIL OFFICER

    Total calculated
    $697,226
    From this org
    $663,106
    From related orgs
    $0
    Other
    $34,120
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $473,106
    Bonus
    $190,000
    Other
    $0
    Deferred
    $24,150
    Nontaxable benefits
    $9,970
    Filer's total
    $697,226

  • CHRISTOPHER WHITE

    SVP DIGITAL CHANNELS

    Total calculated
    $308,732
    From this org
    $277,277
    From related orgs
    $0
    Other
    $31,455
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $240,158
    Bonus
    $37,119
    Other
    $0
    Deferred
    $17,612
    Nontaxable benefits
    $13,843
    Filer's total
    $308,732

  • RONALD RYEL

    VP INFORMATION SECURITY

    Total calculated
    $280,742
    From this org
    $245,469
    From related orgs
    $0
    Other
    $35,273
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $233,440
    Bonus
    $12,029
    Other
    $0
    Deferred
    $17,183
    Nontaxable benefits
    $18,090
    Filer's total
    $280,742

  • LISA ROHMER

    SVP LOAN ADMINISTRATION

    Total calculated
    $274,870
    From this org
    $240,563
    From related orgs
    $0
    Other
    $34,307
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $205,563
    Bonus
    $35,000
    Other
    $0
    Deferred
    $16,839
    Nontaxable benefits
    $17,468
    Filer's total
    $274,870

  • ANN-MARIE GORDON

    VP DEPOIST OPERATIONS

    Total calculated
    $260,563
    From this org
    $226,625
    From related orgs
    $0
    Other
    $33,938
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $197,234
    Bonus
    $29,391
    Other
    $0
    Deferred
    $15,864
    Nontaxable benefits
    $18,074
    Filer's total
    $260,563

  • MILAGROS ZAYAS

    VP MEMBER EXPERIENCE

    Total calculated
    $195,760
    From this org
    $171,608
    From related orgs
    $0
    Other
    $24,152
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $151,608
    Bonus
    $20,000
    Other
    $0
    Deferred
    $12,012
    Nontaxable benefits
    $12,140
    Filer's total
    $195,760

  • TIMOTHY FRECHETTE

    VP COMMERICAL LEDNING OFFI

    Total calculated
    $217,836
    From this org
    $180,812
    From related orgs
    $0
    Other
    $37,024
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $171,357
    Bonus
    $9,455
    Other
    $0
    Deferred
    $10,841
    Nontaxable benefits
    $26,183
    Filer's total
    $217,836

  • JOSEPH CONNORS

    VP COMMUNITY & MEMBER ENGA

    Total calculated
    $227,787
    From this org
    $196,124
    From related orgs
    $0
    Other
    $31,663
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $183,482
    Bonus
    $12,642
    Other
    $0
    Deferred
    $13,679
    Nontaxable benefits
    $17,984
    Filer's total
    $227,787

  • SARITA LEDANI

    VP SEG, MEMBER GROWTH & DE

    Total calculated
    $208,550
    From this org
    $178,124
    From related orgs
    $0
    Other
    $30,426
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $163,124
    Bonus
    $15,000
    Other
    $0
    Deferred
    $12,469
    Nontaxable benefits
    $17,957
    Filer's total
    $208,550

  • PEDRO LOPES

    AVP TECHNOLOGY APPLICATION

    Total calculated
    $217,611
    From this org
    $178,976
    From related orgs
    $0
    Other
    $38,635
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $168,604
    Bonus
    $10,372
    Other
    $0
    Deferred
    $12,528
    Nontaxable benefits
    $26,107
    Filer's total
    $217,611

  • GARY CHANDLER

    VP GENERAL COUNSEL

    Total calculated
    $181,193
    From this org
    $160,389
    From related orgs
    $0
    Other
    $20,804
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $152,187
    Bonus
    $8,202
    Other
    $0
    Deferred
    $11,227
    Nontaxable benefits
    $9,577
    Filer's total
    $181,193

  • PAULA KERWIN

    VP MARKETING

    Total calculated
    $182,315
    From this org
    $160,532
    From related orgs
    $0
    Other
    $21,783
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $146,578
    Bonus
    $13,954
    Other
    $0
    Deferred
    $10,918
    Nontaxable benefits
    $10,865
    Filer's total
    $182,315

  • KELLLIE BROOKS

    VP PROGRAM MANAGEMENT OFFICE

    Total calculated
    $194,919
    From this org
    $181,481
    From related orgs
    $0
    Other
    $13,438
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $181,481
    Bonus
    $0
    Other
    $0
    Deferred
    $10,572
    Nontaxable benefits
    $2,866
    Filer's total
    $194,919

  • TIMOTHY BROWN

    AVP COMMERICAL LENDING

    Total calculated
    $181,217
    From this org
    $168,336
    From related orgs
    $0
    Other
    $12,881
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $122,500
    Bonus
    $45,836
    Other
    $0
    Deferred
    $11,783
    Nontaxable benefits
    $1,098
    Filer's total
    $181,217

  • BAILEY CASEY

    VP CONTROLLER

    Total calculated
    $39,074
    From this org
    $34,618
    From related orgs
    $0
    Other
    $4,456
    Hours/week
    37.5

  • BRIAN HARRINGTON

    VP FINANCE & TREASURY

    Total calculated
    $99,294
    From this org
    $96,576
    From related orgs
    $0
    Other
    $2,718
    Hours/week
    37.5

  • JOHN HUBBARD

    MORTGAGE LOAN ORIGINATOR (OUTSIDE SALES)

    Total calculated
    $232,203
    From this org
    $201,198
    From related orgs
    $0
    Other
    $31,005
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $31,705
    Bonus
    $169,493
    Other
    $0
    Deferred
    $14,083
    Nontaxable benefits
    $16,922
    Filer's total
    $232,203

  • HELEN NAZAR

    VP ELECTRONIC OPERATIONS

    Total calculated
    $211,347
    From this org
    $173,151
    From related orgs
    $0
    Other
    $38,196
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $155,130
    Bonus
    $18,021
    Other
    $0
    Deferred
    $12,121
    Nontaxable benefits
    $26,075
    Filer's total
    $211,347

  • JAMES PORTER

    VP RETAIL

    Total calculated
    $246,848
    From this org
    $210,013
    From related orgs
    $0
    Other
    $36,835
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $200,013
    Bonus
    $10,000
    Other
    $0
    Deferred
    $10,932
    Nontaxable benefits
    $25,903
    Filer's total
    $246,848

  • REBECCA SCAGLIONE

    SENIOR MORTGAGE LOAN ORIGINATOR-INTERNAL

    Total calculated
    $191,631
    From this org
    $170,699
    From related orgs
    $0
    Other
    $20,932
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $77,554
    Bonus
    $93,145
    Other
    $0
    Deferred
    $11,929
    Nontaxable benefits
    $9,003
    Filer's total
    $191,631

  • ALYSSA REBELLO

    AVP RISK/ COMPLIANCE MANAGER

    Total calculated
    $191,831
    From this org
    $155,856
    From related orgs
    $0
    Other
    $35,975
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $146,364
    Bonus
    $9,492
    Other
    $0
    Deferred
    $10,902
    Nontaxable benefits
    $25,073
    Filer's total
    $191,831

  • MICHAEL VALLEY

    EVP CFO/COO

    Total calculated
    $732,838
    From this org
    $698,718
    From related orgs
    $0
    Other
    $34,120
    Hours/week
    37.5

    Schedule J breakdown matched by us

    Base
    $508,718
    Bonus
    $190,000
    Other
    $0
    Deferred
    $24,150
    Nontaxable benefits
    $9,970
    Filer's total
    $732,838

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.

Schedule J

Answered yes

  • 3 · Compensation committee
  • 3 · Independent compensation consultant
  • 3 · Compensation survey or study
  • 3 · Approval by the board or compensation committee
  • 4a · Severance or change-of-control payment

Answered no

  • 4b · Supplemental nonqualified retirement plan
  • 4c · Equity-based compensation arrangement

Part I's answers as filed. A line not listed was left unanswered; on lines 1a and 3 that means the box was not checked.

Grants on this return

Related organizations on this return

Schedule R Part II: tax-exempt organizations related to the filer by control. It does not record shared board members or money.

  • RTN GOODWORKS FOUNDATION

    501(C)(3) · COMMUNITY ACTIVITIES AND FINANCIAL LITERACY; GRANT MAKING · MA

    Directly controlled by MERRIMACK VALLEY CREDIT UNION

Provenance

Return type
form_990
Tax year
2024
Filed
17 November 2025
IRS schema version
2024v5.2
Source object
202533219349316903

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