Nonprofit · EIN 04-1680140
ALIGN CREDIT UNION
Tax-exempt · LOWELL, MA 01851
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $30,436,495 | $35,621,456 | -$5,184,961 | $648,886,154 | $610,055,913 | $38,830,241 |
| December 31, 2024 | 990 | $29,485,904 | $38,156,747 | -$8,670,843 | $669,475,106 | $636,104,278 | $33,370,828 |
| December 31, 2023 | 990 | $27,908,271 | $31,391,959 | -$3,483,688 | $706,708,681 | $668,987,920 | $37,720,761 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $20,987,562
- Investment income
- $6,233,188
- Net gain from sales of assets
- $332,046
- Other revenue
- $3,215,745
Expenses
- Grants and similar amounts paid
- $47,734
- Benefits paid to members
- $8,847,098
- Compensation of officers, directors and key employees
- $1,672,252
- Other salaries and wages
- $7,567,493
- Salaries, compensation and benefits (total)
- $10,945,515
- Professional fundraising fees
- $0
- Legal fees
- $7,528
- Occupancy
- $1,355,521
- Travel
- $12,841
- Depreciation
- $1,705,890
Balance sheet and other
- Total assets, start of year
- $669,475,106
- Total assets, end of year
- $648,886,154
- Total liabilities, end of year
- $610,055,913
- Net assets, end of year
- $38,830,241
- Land, buildings and equipment
- $6,253,631
- Publicly traded securities
- $184,526,925
- Gross unrelated business income
- $51,350
- Gross receipts
- $91,078,710
- Employees
- 186
- Volunteers
- 10
- Year formed
- 1922
- State of legal domicile
- MA
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 | Other / benefits |
|---|---|---|---|---|
| LYDIA VAZQUEZ | PRESIDENT AND CEO Trustee or director, Officer | 40 | $527,945 | $43,356 |
| CALEB SCHULTZ | CHIEF INFORMATION OFFICER & COO Officer | 40 | $268,255 | $21,077 |
| ABBY DECOSTER | SVP-DEPOSIT OPERATIONS Highest-paid employee | 40 | $204,629 | $27,630 |
| JENNIFER HUSKA | SVP CHIEF LENDING OFFICER Officer | 40 | $187,894 | $42,654 |
| GREG TAPELLA | VP-DIRECTOR OF IT Highest-paid employee | 40 | $171,295 | $39,891 |
| JOANNE MCCARTHY | CHIEF RETAIL OPERATIONS OFFICER Officer | 40 | $173,447 | $15,554 |
| JOLEEN FORGIONE | CHIEF FINANCIAL OFFICER Officer | 40 | $174,479 | $13,781 |
| SEAN WAWRZKIEWICZ | SVP-FINANCE Highest-paid employee | 40 | $146,479 | $36,298 |
| KRISTEN MCNAMARA | SVP-HUMAN RESOURCES Highest-paid employee | 40 | $133,260 | $36,974 |
| CHRISTA THERRIAULT | CHIEF STRATEGY OFFICER Officer | 40 | $132,347 | $37,317 |
| STEPHANIE TENCATI | SVP-MARKETING Highest-paid employee | 40 | $158,924 | $3,841 |
| DAVID R MORRIS | BOARD CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| STEVEN J BABBITT | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| KATHLEEN E MCKENNEY | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| MARTIN E CONWAY | DIRECTOR Trustee or director | 1 | $0 | $0 |
5 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JOSEPH FORSTER | DIRECTOR Trustee or director | 1 | $0 |
| JULIET KALUNGI | DIRECTOR Trustee or director | 1 | $0 |
| REY LEMAINE | DIRECTOR Trustee or director | 1 | $0 |
| CAROL MCMAHON | DIRECTOR Trustee or director | 1 | $0 |
| JOHN MORRIS | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2024: 22 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| GARY ABRAMS | INTERIM CFO Officer | 40 | $521,553 | $0 |
| LYDIA VAZQUEZ | PRESIDENT AND CEO Trustee or director, Officer | 40 | $424,563 | $75,526 |
| KENNETH M DEL ROSSI | RETIRED PRESIDENT AND CEO (TERMED DEC) Highest-paid employee | 40 | $331,228 | $43,908 |
| JOANNE MCCARTHY | CHIEF RETAIL OFFICER & SECURITY OFFICER Key employee | 40 | $206,704 | $15,875 |
| CALEB SCHULTZ | CHIEF INFORMATION OFFICER Officer | 40 | $166,419 | $8,827 |
| SEAN WAWRZKIEWICZ | SVP-FINANCE Highest-paid employee | 40 | $140,754 | $31,474 |
| OANH LE | VP-ASSISTANT CONTROLLER Highest-paid employee | 40 | $130,807 | $35,061 |
| JENNIFER HUSKA | SVP CHIEF LENDING OFFICER Officer | 40 | $124,563 | $40,722 |
| KRISTEN MCNAMARA | SVP-HUMAN RESOURCES Highest-paid employee | 40 | $118,668 | $33,648 |
| GARY LONG | VP-COLLECTIONS Highest-paid employee | 40 | $121,434 | $10,361 |
| GEORGE R GAGAN | CHAIRMAN (TERMED DEC) Trustee or director, Officer | 1 | $0 | $0 |
| STEVEN J BABBITT | VICE CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| KATHLEEN E MCKENNEY | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| FRANK H LOSPENNATO | TREASURER (TERMED DEC) Trustee or director, Officer | 1 | $0 | $0 |
| KAREN A MORRIS | CLERK (TERMED JUN) Trustee or director, Officer | 1 | $0 | $0 |
| MARTIN E CONWAY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOSEPH FORSTER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JULIET KALUNGI | DIRECTOR Trustee or director | 1 | $0 | $0 |
| REY LEMAINE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| CAROL MCMAHON | DIRECTOR Trustee or director | 1 | $0 | $0 |
| DAVID R MORRIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN MORRIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended December 31, 2023: 22 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| KENNETH M DEL ROSSI | PRESIDENT AND CEO Officer | 40 | $1,826,749 | $69,372 |
| THOMAS HAMMOND | CFO (TERMED MAR) Officer | 40 | $307,230 | $61,351 |
| LYDIA VAZQUEZ | CHIEF OPERATING OFFICER Officer | 40 | $276,295 | $67,782 |
| JENNIFER HUSKA | SVP CHIEF STRATEGY OFFICER Officer | 40 | $169,098 | $41,485 |
| JOANNE MCCARTHY | SVP CHIEF RETAIL OFFICER & SECURITY OFFICER Key employee | 40 | $184,230 | $24,741 |
| MARYANN BEDARD | SVP-CONSUMER LENDING Highest-paid employee | 40 | $147,669 | $38,524 |
| SANDRA LAMPLOUGH | SVP-OPERATIONS Highest-paid employee | 40 | $136,903 | $36,140 |
| KATHLEEN KAY-ALLEN | VP-SERVICING Highest-paid employee | 40 | $100,978 | $44,180 |
| TODD CARON | CIO Highest-paid employee | 40 | $102,418 | $30,293 |
| JOANNE DOULAMES | SVP IT Highest-paid employee | 40 | $101,876 | $19,568 |
| MARK SANGUINETTI | SVP CHIEF LENDING OFFICER Officer | 40 | $63,984 | $873 |
| GEORGE R GAGAN | CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| KAREN A MORRIS | CLERK Trustee or director | 1 | $0 | $0 |
| STEVEN J BABBITT | DIRECTOR Trustee or director | 1 | $0 | $0 |
| FRANK H LOSPENNATO | TREASURER Trustee or director | 1 | $0 | $0 |
| DAVID R MORRIS | VICE CHAIRPERSON Trustee or director | 1 | $0 | $0 |
| RICHARD W PIECEWICZ | 2ND VICE CHAIRPERSON (TERMED NOV) Trustee or director | 1 | $0 | $0 |
| ALAN J SEXTON | DIRECTOR (TERMED MAR) Trustee or director | 1 | $0 | $0 |
| MARTIN E CONWAY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOSEPH FORSTER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| KATHLEEN E MCKENNEY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOHN MORRIS | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 87 HALE ST, LOWELL, MA 01851-3340
- Principal officer (990 for 2025)
- LYDIA VAZQUEZ, 87 HALE STREET, LOWELL, MA 01851
- Signed the 990
- LYDIA VAZQUEZ, PRESIDENT & CEO
- Phone
- (800) 942-9575
- Website
- WWW.ALIGNCU.ORG
- Return prepared by
- WIPFLI ADVISORY LLC
Mission
ALIGNING OUR MEMBERS AND COMMUNITIES WITH FINANCIAL TOOLS TO SERVE THEIR NEEDS.
Program accomplishments
- DIVIDENDS AND INTEREST PAID ON MEMBERS DEPOSITS.
- GRANTING CREDIT TO MEMBERS WITH VARIOUS LOAN PRODUCTS.
- MEMBER SERVICES INCLUDING DEBIT AND CREDIT CARDS.
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
- 04-1680140
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1938
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $648,886,154
- Income (IRS master file)
- $91,078,710
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $30,436,495 | $35,621,456 | $648,886,154 | XML |
| 990 | December 2024 | $29,485,904 | $38,156,747 | $669,475,106 | IRS |
| 990 | December 2023 | $27,908,271 | $31,391,959 | $706,708,681 | XML |
| 990 | December 2022 | $24,433,942 | $24,024,186 | $703,539,071 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | 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 04-1680140).
Questions about ALIGN CREDIT UNION
- What is the EIN of ALIGN CREDIT UNION?
- The employer identification number (EIN) of ALIGN CREDIT UNION is 04-1680140.
- Is ALIGN CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1938.
- Are donations to ALIGN CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does ALIGN 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 ALIGN 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 ALIGN 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 ALIGN CREDIT UNION?
- The 990 for the year ended December 31, 2025 names LYDIA VAZQUEZ.
- Who are the officers and directors of ALIGN CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 20 people; 11 received compensation from the organization, the highest $527,945 (LYDIA VAZQUEZ, PRESIDENT AND CEO).
- How much revenue does ALIGN CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $30,436,495, expenses of $35,621,456 and total assets of $648,886,154 at year end.
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