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ALIGN CREDIT UNION

EIN 04-1680140 LOWELL, MA

Revenue 2025
$30,436,495
Expenses 2025
$35,621,456

As filed

Subsection
14
Classification
1000
Street
87 HALE 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).

Mission and programs · 2025

Mission

ALIGNING OUR MEMBERS AND COMMUNITIES WITH FINANCIAL TOOLS TO SERVE THEIR NEEDS.

  • DIVIDENDS AND INTEREST PAID ON MEMBERS DEPOSITS.

  • GRANTING CREDIT TO MEMBERS WITH VARIOUS LOAN PRODUCTS.

  • MEMBER SERVICES INCLUDING DEBIT AND CREDIT CARDS.

As filed on the 2025 return.

Officers and directors · 2025

As listed in Part VII of the 2025 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • LYDIA VAZQUEZ

    PRESIDENT AND CEO

    Total calculated
    $571,301
    From this org
    $527,945
    From related orgs
    $0
    Other
    $43,356
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $505,710
    Bonus
    $21,861
    Other
    $374
    Deferred
    $5,774
    Nontaxable benefits
    $37,582
    Filer's total
    $571,301

  • DAVID R MORRIS

    BOARD CHAIRMAN

    Total calculated
    $0
    Hours/week
    1

  • STEVEN J BABBITT

    VICE CHAIRMAN

    Total calculated
    $0
    Hours/week
    1

  • KATHLEEN E MCKENNEY

    TREASURER

    Total calculated
    $0
    Hours/week
    1

  • MARTIN E CONWAY

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • JOSEPH FORSTER

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • JULIET KALUNGI

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • REY LEMAINE

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • CAROL MCMAHON

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • JOHN MORRIS

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1

  • CALEB SCHULTZ

    CHIEF INFORMATION OFFICER & COO

    Total calculated
    $289,332
    From this org
    $268,255
    From related orgs
    $0
    Other
    $21,077
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $254,522
    Bonus
    $13,733
    Other
    $0
    Deferred
    $4,384
    Nontaxable benefits
    $16,693
    Filer's total
    $289,332

  • JENNIFER HUSKA

    SVP CHIEF LENDING OFFICER

    Total calculated
    $230,548
    From this org
    $187,894
    From related orgs
    $0
    Other
    $42,654
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $178,391
    Bonus
    $9,254
    Other
    $249
    Deferred
    $5,646
    Nontaxable benefits
    $37,008
    Filer's total
    $230,548

  • JOLEEN FORGIONE

    CHIEF FINANCIAL OFFICER

    Total calculated
    $188,260
    From this org
    $174,479
    From related orgs
    $0
    Other
    $13,781
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $159,334
    Bonus
    $8,574
    Other
    $6,571
    Deferred
    $1,370
    Nontaxable benefits
    $12,411
    Filer's total
    $188,260

  • JOANNE MCCARTHY

    CHIEF RETAIL OPERATIONS OFFICER

    Total calculated
    $189,001
    From this org
    $173,447
    From related orgs
    $0
    Other
    $15,554
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $135,374
    Bonus
    $12,110
    Other
    $25,963
    Deferred
    $3,415
    Nontaxable benefits
    $12,139
    Filer's total
    $189,001

  • CHRISTA THERRIAULT

    CHIEF STRATEGY OFFICER

    Total calculated
    $169,664
    From this org
    $132,347
    From related orgs
    $0
    Other
    $37,317
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $124,070
    Bonus
    $7,704
    Other
    $573
    Deferred
    $4,149
    Nontaxable benefits
    $33,168
    Filer's total
    $169,664

  • ABBY DECOSTER

    SVP-DEPOSIT OPERATIONS

    Total calculated
    $232,259
    From this org
    $204,629
    From related orgs
    $0
    Other
    $27,630
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $197,296
    Bonus
    $6,966
    Other
    $367
    Deferred
    $1,775
    Nontaxable benefits
    $25,855
    Filer's total
    $232,259

  • GREG TAPELLA

    VP-DIRECTOR OF IT

    Total calculated
    $211,186
    From this org
    $171,295
    From related orgs
    $0
    Other
    $39,891
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $167,105
    Bonus
    $4,190
    Other
    $0
    Deferred
    $0
    Nontaxable benefits
    $39,891
    Filer's total
    $211,186

  • STEPHANIE TENCATI

    SVP-MARKETING

    Total calculated
    $162,765
    From this org
    $158,924
    From related orgs
    $0
    Other
    $3,841
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $152,593
    Bonus
    $5,971
    Other
    $360
    Deferred
    $1,254
    Nontaxable benefits
    $2,587
    Filer's total
    $162,765

  • SEAN WAWRZKIEWICZ

    SVP-FINANCE

    Total calculated
    $182,777
    From this org
    $146,479
    From related orgs
    $0
    Other
    $36,298
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $141,713
    Bonus
    $4,392
    Other
    $374
    Deferred
    $3,015
    Nontaxable benefits
    $33,283
    Filer's total
    $182,777

  • KRISTEN MCNAMARA

    SVP-HUMAN RESOURCES

    Total calculated
    $170,234
    From this org
    $133,260
    From related orgs
    $0
    Other
    $36,974
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $126,363
    Bonus
    $5,785
    Other
    $1,112
    Deferred
    $4,149
    Nontaxable benefits
    $32,825
    Filer's total
    $170,234

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

  • 2025
    Revenue
    $30,436,495
    Expenses
    $35,621,456
    Contributions
    $0
    Grants paid
    $47,734
  • 2024
    Revenue
    $29,485,904
    Expenses
    $38,156,747
    Contributions
    $0
    Grants paid
    $51,810
  • 2023
    Revenue
    $27,908,271
    Expenses
    $31,391,959
    Contributions
    $0
    Grants paid
    $93,584
  • 2022
    Revenue
    $24,433,942
    Expenses
    $24,024,186
    Contributions
    $0
    Grants paid
    $99,290

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
    $24,193,748
    Expenses
    $23,783,699
    Assets (EOY)
    $748,085,438

  • 2020 · 990

    Revenue
    $28,709,871
    Expenses
    $26,990,515
    Assets (EOY)
    $692,602,330

  • 2019 · 990

    Revenue
    $27,329,261
    Expenses
    $25,413,125
    Assets (EOY)
    $641,056,129

  • 2018 · 990

    Revenue
    $24,664,776
    Expenses
    $23,986,410
    Assets (EOY)
    $571,266,691

  • 2017 · 990

    Revenue
    $23,484,066
    Expenses
    $22,234,739
    Assets (EOY)
    $578,561,311

  • 2016 · 990

    Revenue
    $22,012,738
    Expenses
    $21,244,163
    Assets (EOY)
    $583,705,638

  • 2015 · 990

    Revenue
    $21,778,250
    Expenses
    $20,558,327
    Assets (EOY)
    $563,550,434

  • 2014 · 990

    Revenue
    $20,963,940
    Expenses
    $20,755,084
    Assets (EOY)
    $561,341,429

  • 2012 · 990

    Revenue
    not reported
    Expenses
    $22,195,607
    Assets (EOY)
    $543,411,904

  • 2011 · 990

    Revenue
    not reported
    Expenses
    $23,261,619
    Assets (EOY)
    $527,746,056

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

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.

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2023 return

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 29 October 2026, for every organization at once. Returns through tax year 2025, the newest we have parsed for this organization.