Nonprofit · EIN 04-2206928
BRIGHTBRIDGE CREDIT UNION
Tax-exempt · LAWRENCE, MA 01843
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $115,303,552 | $108,095,127 | $7,208,425 | $2,206,868,303 | $2,013,104,511 | $193,763,792 |
| December 31, 2023 | 990 | $91,376,330 | $82,880,906 | $8,495,424 | $2,243,805,340 | $2,060,880,432 | $182,924,908 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $98,628,087
- Investment income
- $16,675,465
- Net gain from sales of assets
- -$165,498
- Other revenue
- $0
Expenses
- Grants and similar amounts paid
- $0
- Benefits paid to members
- $30,574,287
- Compensation of officers, directors and key employees
- $13,200,315
- Other salaries and wages
- $20,116,579
- Salaries, compensation and benefits (total)
- $39,707,819
- Professional fundraising fees
- $0
- Legal fees
- $372,859
- Accounting fees
- $470,072
- Occupancy
- $3,571,118
- Travel
- $1,238,369
- Depreciation
- $1,953,210
Balance sheet and other
- Total assets, start of year
- $2,243,805,340
- Total assets, end of year
- $2,206,868,303
- Total liabilities, end of year
- $2,013,104,511
- Net assets, end of year
- $193,763,792
- Land, buildings and equipment
- $26,265,852
- Gross unrelated business income
- $168,696
- Gross receipts
- $141,492,332
- Employees
- 279
- Volunteers
- 24
- Year formed
- 1955
- 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, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOHN HOWARD | PRESIDENT / CEO Officer | 37.5 | $941,800 | $42,420 |
| MICHAEL VALLEY | EVP CFO/COO Officer | 37.5 | $698,718 | $34,120 |
| BRADFORD EGAN | EVP / CHIEF LENDING OFFICE Officer | 37.5 | $670,179 | $42,420 |
| NICOLE JAMES | EVP, CHIEF RETAIL OFFICER Officer | 37.5 | $663,106 | $34,120 |
| RICHARD WRIGHT | STRATEGIC ADVISOR Officer | 37.5 | $576,848 | $33,940 |
| STEPHEN LYNCH | SVP / INFORMATION TECHNOLO Officer | 37.5 | $426,260 | $42,420 |
| ROBERT PIEPENBURG | VP COMMERCIAL LENDING Officer | 37.5 | $314,475 | $41,534 |
| DANTE DIMASSA | SVP RESIDENTIAL LENDING Officer | 37.5 | $289,252 | $38,128 |
| YEAN-AI LONG | SVP MARKETING Officer | 37.5 | $287,611 | $34,332 |
| CHRISTINE RONCA | SVP OPERATIONS Officer | 37.5 | $290,741 | $21,280 |
| CHRISTOPHER WHITE | SVP DIGITAL CHANNELS Officer | 37.5 | $277,277 | $31,455 |
| JOHN MACKENZIE | VP FINANCE Officer | 37.5 | $258,614 | $36,152 |
| TRACY MERMET | VP HUMAN RESOURCES Officer | 37.5 | $248,263 | $34,971 |
| RONALD RYEL | VP INFORMATION SECURITY Officer | 37.5 | $245,469 | $35,273 |
| THERESA HAYES | VP ONLINE AND DIGITAL CHAN Officer | 37.5 | $235,170 | $41,029 |
56 more people on this return
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| LISA ROHMER | SVP LOAN ADMINISTRATION Officer | 37.5 | $240,563 | $34,307 |
| ANTHONY MARINO | SVP ORGANIZATIONAL DEVELOP Officer | 37.5 | $240,449 | $26,786 |
| ANN-MARIE GORDON | VP DEPOIST OPERATIONS Officer | 37.5 | $226,625 | $33,938 |
| LOUIS SERIO | VP IT Officer | 37.5 | $235,446 | $17,888 |
| JAMES PORTER | VP RETAIL Officer | 37.5 | $210,013 | $36,835 |
| PAUL CARRIERE | MORTGAGE LOAN ORIGINATOR ( Officer | 37.5 | $203,543 | $39,355 |
| JOHN HUBBARD | MORTGAGE LOAN ORIGINATOR (OUTSIDE SALES) Officer | 37.5 | $201,198 | $31,005 |
| JOSEPH CONNORS | VP COMMUNITY & MEMBER ENGA Officer | 37.5 | $196,124 | $31,663 |
| ANITA PARKER | VP / RISK MANAGEMENT Officer | 37.5 | $205,613 | $16,321 |
| ROBERT CABRAL | VP CONSUMER LENDING MANAGE Officer | 37.5 | $205,126 | $14,143 |
| TIMOTHY FRECHETTE | VP COMMERICAL LEDNING OFFI Officer | 37.5 | $180,812 | $37,024 |
| PEDRO LOPES | AVP TECHNOLOGY APPLICATION Officer | 37.5 | $178,976 | $38,635 |
| HELEN NAZAR | VP ELECTRONIC OPERATIONS Officer | 37.5 | $173,151 | $38,196 |
| KATIE LOWERY | AVP MORTGAGE LENDING OPERA Officer | 37.5 | $187,690 | $22,654 |
| GLENN PREZZANO | VP CORPORATE COMMUNICATION Officer | 37.5 | $195,713 | $14,604 |
| SARITA LEDANI | VP SEG, MEMBER GROWTH & DE Officer | 37.5 | $178,124 | $30,426 |
| STEPHANIE LEE | VP OPERATIONS Officer | 37.5 | $178,563 | $20,459 |
| MILAGROS ZAYAS | VP MEMBER EXPERIENCE Officer | 37.5 | $171,608 | $24,152 |
| ANNETTE YEE | VP PROJECT DEVELOPMENT & C Officer | 37.5 | $166,145 | $29,386 |
| KELLLIE BROOKS | VP PROGRAM MANAGEMENT OFFICE Officer | 37.5 | $181,481 | $13,438 |
| ALYSSA REBELLO | AVP RISK/ COMPLIANCE MANAGER Officer | 37.5 | $155,856 | $35,975 |
| REBECCA SCAGLIONE | SENIOR MORTGAGE LOAN ORIGINATOR-INTERNAL Officer | 37.5 | $170,699 | $20,932 |
| DAVID TRAPP | AVP ALM, PLANNING & BUDGET Officer | 37.5 | $153,815 | $28,716 |
| PAULA KERWIN | VP MARKETING Officer | 37.5 | $160,532 | $21,783 |
| TIMOTHY BROWN | AVP COMMERICAL LENDING Officer | 37.5 | $168,336 | $12,881 |
| GARY CHANDLER | VP GENERAL COUNSEL Officer | 37.5 | $160,389 | $20,804 |
| JOHN HIMMEL | VP COLLECTIONS Officer | 37.5 | $148,355 | $28,034 |
| MEGHA SINGH | AVP COLLECTIONS Officer | 37.5 | $153,178 | $11,891 |
| ZOBEIDA DUARTE | AVP MEMBER SUPPORT Officer | 37.5 | $116,362 | $17,854 |
| BRIAN HARRINGTON | VP FINANCE & TREASURY Officer | 37.5 | $96,576 | $2,718 |
| BAILEY CASEY | VP CONTROLLER Officer | 37.5 | $34,618 | $4,456 |
| STEPHANIE A SOUSA | DIRECTOR Trustee or director | 3 | $0 | $18,065 |
| DAVID LONDON | ASSISTANT TREASURER Trustee or director, Officer | 3 | $0 | $9,539 |
| BERNARD J MULHOLLAND | 1ST VICE CHAIRMAN Trustee or director, Officer | 3 | $0 | $9,060 |
| MARY K BRIAND | DIRECTOR Trustee or director | 3 | $0 | $5,595 |
| AUDREY GALLIVAN | DIRECTOR Trustee or director | 1 | $0 | $4,164 |
| ARTHUR OSBORN | DIRECTOR Trustee or director | 3 | $0 | $0 |
| SUSAN OSBORN | DIRECTOR Trustee or director | 3 | $0 | $0 |
| ALEXANDER R OSKI | DIRECTOR Trustee or director | 3 | $0 | $0 |
| BRITTNEY T PICKERING | DIRECTOR Trustee or director | 3 | $0 | $0 |
| LEON PRATT JR | DIRECTOR Trustee or director | 3 | $0 | $0 |
| MAUREEN RONAYNE | SECRETARY Trustee or director, Officer | 3 | $0 | $0 |
| JOHN F TORPEY | DIRECTOR Trustee or director | 3 | $0 | $0 |
| DOMENIC P MAZZOCCO | CHAIRMAN Trustee or director, Officer | 3 | $0 | $0 |
| ARTHUR ODEA | 2ND VICE CHAIRMAN Trustee or director, Officer | 3 | $0 | $0 |
| CATHERINE DEBURRO | DIRECTOR Trustee or director | 3 | $0 | $0 |
| CHRISTIANA LANCIONE | DIRECTOR Trustee or director | 3 | $0 | $0 |
| HENRY DOYLE | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JOAN KUHN | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JOHN GARRASI | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JOHN MANCINI | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JOSEPH KELLEHER | DIRECTOR Trustee or director | 3 | $0 | $0 |
| MUKESH DAVE | TREASURER Trustee or director, Officer | 3 | $0 | $0 |
| PAUL MCGOWAN | DIRECTOR Trustee or director | 3 | $0 | $0 |
| PETER A MILLS | DIRECTOR Trustee or director | 3 | $0 | $0 |
| RONALD GUILMETTE | DIRECTOR Trustee or director | 3 | $0 | $0 |
990 for the year ended December 31, 2023: 66 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| JOHN HOWARD | PRESIDENT / CEO Officer | 37.5 | $868,780 | $40,754 |
| BRADFORD EGAN | EVP / CHIEF LENDING OFFICER Officer | 37.5 | $558,165 | $40,754 |
| MICHAEL VALLEY | EVP/ CFO & COO Officer | 37.5 | $498,150 | $32,808 |
| STEPHEN LYNCH | SVP / INFORMATION TECHNOLOGY Officer | 37.5 | $361,818 | $40,754 |
| YEAN-AI LONG | SVP MARKETING Officer | 37.5 | $276,551 | $33,430 |
| RICHARD WRIGHT | STRATEGIC ADVISOR Officer | 37.5 | $289,419 | $10,241 |
| DANTE DIMASSA | SVP RESIDENTIAL LENDING Officer | 37.5 | $253,316 | $35,232 |
| ANTHONY MARINO | SVP ORGANIZATIONAL DEVELOPMENT Officer | 37.5 | $240,374 | $18,982 |
| JOHN MACKENZIE | VP FINANCE Officer | 37.5 | $222,563 | $32,933 |
| ROBERT PIEPENBURG | VP COMMERCIAL LENDING Officer | 37.5 | $230,308 | $21,448 |
| THERESA HAYES | VP ONLINE AND DIGITAL CHANNELS Officer | 37.5 | $204,048 | $38,751 |
| CHRISTINE RONCA | SVP OPERATIONS Officer | 37.5 | $221,963 | $18,209 |
| TRACY MERMET | VP HUMAN RESOURCES Officer | 37.5 | $208,337 | $31,215 |
| LOUIS SERIO | VP IT Officer | 37.5 | $219,860 | $18,608 |
| NICOLE JAMES | EVP, CHIEF RETAIL OFFICER & CHIEF PEOPLE OFFICER Officer | 37.5 | $210,974 | $15,657 |
| KATIE LOWERY | AVP MORTGAGE LENDING OPERATIONS Officer | 37.5 | $192,725 | $22,451 |
| PAUL CARRIERE | MORTGAGE LOAN ORIGINATOR (OUTSIDE) Officer | 37.5 | $175,936 | $36,566 |
| ANITA PARKER | VP / RISK MANAGEMENT Officer | 37.5 | $195,251 | $15,125 |
| ROBERT CABRAL | VP CONSUMER LENDING MANAGER Officer | 37.5 | $188,025 | $15,112 |
| STEPHANIE LEE | VP OPERATIONS Officer | 37.5 | $176,301 | $21,347 |
| JOHN HIMMEL | VP COLLECTIONS Officer | 37.5 | $163,185 | $28,596 |
| GLENN PREZZANO | VP CORPORATE COMMUNICATION & COMMUNITY RELATIONS Officer | 37.5 | $175,162 | $13,399 |
| ANNETTE YEE | VP PROJECT DEVELOPMENT & CRA OFFICER Officer | 37.5 | $157,274 | $28,152 |
| JON ALMOND | AVP BSA/FRAUD MANAGER Officer | 37.5 | $136,018 | $34,462 |
| DAVID TRAPP | AVP ALM, PLANNING & BUDGETING Officer | 37.5 | $140,990 | $24,945 |
| CHRISTOPHER WHITE | SVP DIGITAL CHANNELS Officer | 37.5 | $145,077 | $20,373 |
| KRISTINA PARKHURST | AVP, ACCOUNTING MANAGER Officer | 37.5 | $130,681 | $33,991 |
| MEGHA SINGH | AVP COLLECTIONS Officer | 37.5 | $144,314 | $11,279 |
| ALYSSA PERRY | AVP COMPLIANCE Officer | 37.5 | $140,131 | $14,437 |
| ZOBEIDA DUARTE | AVP MEMBER SUPPORT Officer | 37.5 | $132,856 | $18,309 |
| RONALD RYEL | VP INFORMATION SECURITY Officer | 37.5 | $123,231 | $10,529 |
| LISA ROHMER | SVP LOAN ADMINISTRATION Officer | 37.5 | $111,004 | $17,952 |
| ANN-MARIE GORDON | VP DEPOIST OPERATIONS Officer | 37.5 | $107,955 | $17,738 |
| JSEPH CONNORS | VP COMMUNITY & MEMBER ENGAGEMENT Officer | 37.5 | $107,557 | $17,187 |
| MILAGROS ZAYAS | VP MEMBER EXPERIENCE Officer | 37.5 | $98,453 | $17,037 |
| PEDRO LOPES | AVP TECHNOLOGY APPLICATIONS & AUTOMATION Officer | 37.5 | $85,558 | $20,612 |
| TIMOTHY FRECHETTE | VP COMMERICAL LEDNING OFFICER Officer | 37.5 | $85,676 | $17,318 |
| SARITA LEDANI | VP SEG, MEMBER GROWTH & DEVELOPMENT Officer | 37.5 | $82,803 | $15,881 |
| GARY CHANDLER | VP GENERAL COUNSEL Officer | 37.5 | $81,307 | $10,713 |
| PAULA KERWIN | VP MARKETING Officer | 37.5 | $68,532 | $10,158 |
| STEPHANIE A SOUSA | DIRECTOR Trustee or director | 3 | $0 | $10,639 |
| MARY K BRIAND | DIRECTOR Trustee or director | 3 | $0 | $8,056 |
| DAVID LONDON | ASSISTANT TREASURER Trustee or director, Officer | 3 | $0 | $7,320 |
| BERNARD J MULHOLLAND | 1ST VICE CHAIRMAN Trustee or director, Officer | 3 | $0 | $6,203 |
| JANE ARSENAULT | DIRECTOR Trustee or director | 3 | $0 | $0 |
| MUKESH DAVE | TREASURER Trustee or director, Officer | 3 | $0 | $0 |
| CATHERINE DEBURRO | DIRECTOR Trustee or director | 3 | $0 | $0 |
| HENRY DOYLE | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JOHN GARRASI | DIRECTOR Trustee or director | 3 | $0 | $0 |
| RONALD GUILMETTE | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JOSEPH KELLEHER | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JOAN KUHN | DIRECTOR Trustee or director | 3 | $0 | $0 |
| CHRISTIANA LANCIONE | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JOHN MANCINI | DIRECTOR Trustee or director | 3 | $0 | $0 |
| DOMENIC P MAZZOCCO | CHAIRMAN Trustee or director, Officer | 3 | $0 | $0 |
| PAUL MCGOWAN | DIRECTOR Trustee or director | 3 | $0 | $0 |
| PETER A MILLS | DIRECTOR Trustee or director | 3 | $0 | $0 |
| ARTHUR ODEA | 2ND VICE CHAIRMAN Trustee or director, Officer | 3 | $0 | $0 |
| ARTHUR OSBORN | DIRECTOR Trustee or director | 3 | $0 | $0 |
| SUSAN OSBORN | DIRECTOR Trustee or director | 3 | $0 | $0 |
| ALEXANDER R OSKI | DIRECTOR Trustee or director | 3 | $0 | $0 |
| BRITTNEY T PICKERING | DIRECTOR Trustee or director | 3 | $0 | $0 |
| LEON PRATT JR | DIRECTOR Trustee or director | 3 | $0 | $0 |
| MAUREEN RONAYNE | SECRETARY Trustee or director, Officer | 3 | $0 | $0 |
| DOROTHEA SPARROW | DIRECTOR Trustee or director | 3 | $0 | $0 |
| JOHN F TORPEY | DIRECTOR Trustee or director | 3 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 500 MERRIMACK STREET, LAWRENCE, MA 01843-1981
- Principal officer (990 for 2024)
- JOHN J HOWARD, 500 MERRIMACK STREET, LAWRENCE, MA 01843
- Signed the 990
- BRADFORD P EGAN, COO
- Phone
- (508) 279-2400
- Website
- WWW.MVCU.COM
- Return prepared by
- GERALD T REILLY & COMPANY
Mission
TO SERVE OUR COMMUNITY AND PARTNER WITH OUR MEMBERS TO OFFER VALUE ADDED FINANCIAL PRODUCTS, SERVICES, SOLUTIONS AND EXCELLENT MEMBER SERVICE.
Program accomplishments
- SERVE APPROXIMATELY 84,000 MEMBERS OFFERING A WIDE VARIETY OF LOAN AND DEPOSIT PRODUCTS.
What it must file and when
IRS records say it files Not required (government). 501(c)(1) organizations do not file. 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 | Not 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
- 04-2206928
- Tax-exempt status
- 501(c)(1): Corporation organized under an act of Congress
- Exempt since
- 2026
- Accounting year ends
- December
- Files
- Not required (government)
- Assets (IRS master file)
- $2,206,868,303
- Income (IRS master file)
- $141,492,332
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $115,303,552 | $108,095,127 | $2,206,868,303 | IRS |
| 990 | December 2023 | $91,376,330 | $82,880,906 | $2,243,805,340 | XML |
| 990 | December 2022 | – | – | – | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2019 | – | – | – | 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 04-2206928).
Questions about BRIGHTBRIDGE CREDIT UNION
- What is the EIN of BRIGHTBRIDGE CREDIT UNION?
- The employer identification number (EIN) of BRIGHTBRIDGE CREDIT UNION is 04-2206928.
- Is BRIGHTBRIDGE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(1) since 2026.
- Which annual return does BRIGHTBRIDGE CREDIT UNION file?
- Form Not required (government). 501(c)(1) organizations do not file.
- When is the next return of BRIGHTBRIDGE CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did BRIGHTBRIDGE CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of BRIGHTBRIDGE CREDIT UNION?
- The 990 for the year ended December 31, 2024 names JOHN J HOWARD.
- Who are the officers and directors of BRIGHTBRIDGE CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 71 people; 46 received compensation from the organization, the highest $941,800 (JOHN HOWARD, PRESIDENT / CEO).
- How much revenue does BRIGHTBRIDGE CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $115,303,552, expenses of $108,095,127 and total assets of $2,206,868,303 at year end.
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