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METRO CREDIT UNION

EIN 04-1695745 CHELSEA, MA

Browse the largest nonprofits in Massachusetts

Revenue 2024
$173,359,884
Expenses 2024
$166,107,473

As filed

Subsection
14
Classification
1000
Street
200 REVERE BEACH PKWY

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).

Other organizations at this address

2 other organizations in the IRS Business Master File list the same street address. matched by us

We match the street line and ZIP code as the IRS gives them, ignoring case and outer spaces and nothing else, so "AVE" and "AVENUE" count as different streets and this list can miss some. A shared address can mean related organizations or a shared office, but it can also be a registered agent, a mail drop or a service provider holding mail for unrelated clients. It is not, by itself, evidence that two organizations are connected.

Mission and programs · 2024

Mission

SEE SCHEDULE O

Activities or mission (Part I)

METRO CREDIT UNION PROVIDES LOAN AND DEPOSIT PRODUCTS TO MEMBERS THAT ASSIST THEM IN MEETING THEIR FINANCIAL NEEDS.

  • METRO CREDIT UNION PROVIDES LOAN AND DEPOSIT PRODUCTS TO MEMBERS THAT ASSIST THEM IN MEETING THEIR FINANCIAL NEEDS. AS OF 12/31/2024, METRO CREDIT UNION HAS NET LOANS OF $2,939 MILLION AND SHARE DEPOSITS OF $2,714 MILLION.

As filed on the 2024 return. The filer continues this part on Schedule O, which is not shown here.

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.

  • Robert M Cashman

    PRESIDENT/CEO/DIRECTOR

    Total calculated
    $1,648,320
    From this org
    $1,585,056
    From related orgs
    $0
    Other
    $63,264
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $880,499
    Bonus
    $281,031
    Other
    $423,526
    Deferred
    $47,750
    Nontaxable benefits
    $15,514
    Filer's total
    $1,648,320
  • David Holzman

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2
  • Arnold S Baer

    DIRECTOR/ASSISTANT CLERK

    Total calculated
    $0
    Hours/week
    2
  • Bion Foster

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2
  • Joseph Zang

    DIRECTOR (ENDED 8/2024)

    Total calculated
    $0
    Hours/week
    2
  • Donna Lee

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2
  • John Imbergamo

    DIRECTOR/VICE CHAIRMAN

    Total calculated
    $0
    Hours/week
    2
  • Peter Harris

    DIRECTOR/TREASURER

    Total calculated
    $0
    Hours/week
    2
  • Paul M Gulko

    DIRECTOR/CLERK

    Total calculated
    $0
    Hours/week
    2
  • Mark Smoller

    DIRECTOR/CHAIRMAN

    Total calculated
    $0
    Hours/week
    2
  • Adam Frank

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2
  • Marta Rosa

    DIRECTOR

    Total calculated
    $0
    Hours/week
    2
  • Charlene Bauer

    SVP MEMBER EXPERIENCE

    Total calculated
    $293,562
    From this org
    $265,569
    From related orgs
    $0
    Other
    $27,993
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $248,082
    Bonus
    $14,015
    Other
    $3,472
    Deferred
    $12,479
    Nontaxable benefits
    $15,514
    Filer's total
    $293,562
  • Lawrence Standford

    SVP/CFO

    Total calculated
    $311,993
    From this org
    $302,457
    From related orgs
    $0
    Other
    $9,536
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $287,025
    Bonus
    $15,000
    Other
    $432
    Deferred
    $9,536
    Nontaxable benefits
    $0
    Filer's total
    $311,993
  • Traci Michel

    SVP/COO & CSO

    Total calculated
    $504,907
    From this org
    $466,859
    From related orgs
    $0
    Other
    $38,048
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $391,232
    Bonus
    $75,141
    Other
    $486
    Deferred
    $17,250
    Nontaxable benefits
    $20,798
    Filer's total
    $504,907
  • Kevin Malone

    SVP SENIOR COMMERICIAL LENDER

    Total calculated
    $391,256
    From this org
    $358,492
    From related orgs
    $0
    Other
    $32,764
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $337,126
    Bonus
    $14,508
    Other
    $6,858
    Deferred
    $17,250
    Nontaxable benefits
    $15,514
    Filer's total
    $391,256
  • Amylynn Moody

    CHIEF PEOPLE OFFICER

    Total calculated
    $308,416
    From this org
    $295,199
    From related orgs
    $0
    Other
    $13,217
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $278,789
    Bonus
    $15,600
    Other
    $810
    Deferred
    $13,217
    Nontaxable benefits
    $0
    Filer's total
    $308,416
  • James Herndon

    SVP HUMAN RESOURCES

    Total calculated
    $260,789
    From this org
    $230,792
    From related orgs
    $0
    Other
    $29,997
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $215,722
    Bonus
    $12,160
    Other
    $2,910
    Deferred
    $11,840
    Nontaxable benefits
    $18,157
    Filer's total
    $260,789
  • Maria A Justiniano

    SVP LENDING

    Total calculated
    $347,335
    From this org
    $310,479
    From related orgs
    $0
    Other
    $36,856
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $258,004
    Bonus
    $51,233
    Other
    $1,242
    Deferred
    $16,058
    Nontaxable benefits
    $20,798
    Filer's total
    $347,335
  • Monica Santos

    SVP/CHIEF MARKETING (AS OF 6/2024)

    Total calculated
    $195,974
    From this org
    $190,089
    From related orgs
    $0
    Other
    $5,885
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $154,468
    Bonus
    $35,000
    Other
    $621
    Deferred
    $2,250
    Nontaxable benefits
    $3,635
    Filer's total
    $195,974
  • Kim Monahan

    CREDIT RISK & PORTFOLIO MANAGEMENT

    Total calculated
    $266,864
    From this org
    $233,812
    From related orgs
    $0
    Other
    $33,052
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $224,067
    Bonus
    $9,000
    Other
    $745
    Deferred
    $12,254
    Nontaxable benefits
    $20,798
    Filer's total
    $266,864
  • Eric Gilliland

    VP COMMERCIAL RELATIONSHIP MANAGER

    Total calculated
    $314,782
    From this org
    $284,191
    From related orgs
    $0
    Other
    $30,591
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $281,090
    Bonus
    $0
    Other
    $3,101
    Deferred
    $9,793
    Nontaxable benefits
    $20,798
    Filer's total
    $314,782
  • Shauna Glazebrook

    VP MORTGAGE OPERATIONS

    Total calculated
    $221,549
    From this org
    $210,407
    From related orgs
    $0
    Other
    $11,142
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $201,922
    Bonus
    $8,048
    Other
    $437
    Deferred
    $11,142
    Nontaxable benefits
    $0
    Filer's total
    $221,549
  • Jason Truong

    VP COMMERCIAL RELATIONSHIP MANAGER

    Total calculated
    $206,213
    From this org
    $196,482
    From related orgs
    $0
    Other
    $9,731
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $195,673
    Bonus
    $0
    Other
    $809
    Deferred
    $9,731
    Nontaxable benefits
    $0
    Filer's total
    $206,213
  • Lucas Ross

    AVP MORTGAGE OPERATIONS

    Total calculated
    $244,626
    From this org
    $212,712
    From related orgs
    $0
    Other
    $31,914
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $212,369
    Bonus
    $90
    Other
    $253
    Deferred
    $11,116
    Nontaxable benefits
    $20,798
    Filer's total
    $244,626

The first 25 listed. 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
    $173,359,884
    Expenses
    $166,107,473
    Contributions
    $0
    Grants paid
    $322,106
  • 2023
    Revenue
    $149,461,871
    Expenses
    $134,522,388
    Contributions
    $0
    Grants paid
    $358,347
  • 2022
    Revenue
    $114,336,853
    Expenses
    $83,937,696
    Contributions
    $0
    Grants paid
    $200,181

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
    $92,937,477
    Expenses
    $78,093,785
    Assets (EOY)
    $2,510,941,078
  • 2020 · 990

    Revenue
    $101,297,996
    Expenses
    $85,388,608
    Assets (EOY)
    $2,385,374,276
  • 2019 · 990

    Revenue
    $89,211,246
    Expenses
    $75,756,292
    Assets (EOY)
    $2,092,358,761
  • 2018 · 990

    Revenue
    $79,251,770
    Expenses
    $64,685,998
    Assets (EOY)
    $1,877,534,257
  • 2017 · 990

    Revenue
    $71,469,349
    Expenses
    $56,395,350
    Assets (EOY)
    $1,682,401,982
  • 2016 · 990

    Revenue
    $64,430,195
    Expenses
    $56,107,971
    Assets (EOY)
    $1,633,755,224
  • 2015 · 990

    Revenue
    $58,839,454
    Expenses
    $53,946,122
    Assets (EOY)
    $1,492,356,111
  • 2014 · 990

    Revenue
    $56,815,520
    Expenses
    $52,378,292
    Assets (EOY)
    $1,364,539,522
  • 2013 · 990

    Revenue
    $58,316,336
    Expenses
    $53,135,453
    Assets (EOY)
    $1,279,777,202
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $47,121,551
    Assets (EOY)
    $1,126,560,711

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

Related organizations

From Schedule R Part II, where a filer lists the tax-exempt organizations it is related to by control. It does not record shared board members or money.

Declared on its 2024 return

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 2024 return

  • METRO INSURANCE ADVISORS LLC

    INSURANCE PRODUCT · MA · income $80,100 · assets $503,744

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 1 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.