Nonprofit · EIN 04-2348884
ALL ONE CREDIT UNION
Tax-exempt · LEOMINSTER, MA 01453
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| September 30, 2025 | 990 | $47,686,728 | $46,478,129 | $1,208,599 | $876,836,066 | $815,062,188 | $61,773,878 |
| September 30, 2024 | 990 | $48,418,246 | $46,950,220 | $1,468,026 | $915,908,349 | $855,201,650 | $60,706,699 |
| September 30, 2023 | 990 | $40,678,234 | $38,607,870 | $2,070,364 | $905,439,366 | $855,598,676 | $49,840,690 |
Financial details: 990 for the year ended September 30, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $38,872,972
- Investment income
- $8,237,441
- Net rental income
- $141,186
- Net gain from sales of assets
- $34,251
- Other revenue
- $576,315
Expenses
- Grants and similar amounts paid
- $220,521
- Compensation of officers, directors and key employees
- $1,138,625
- Other salaries and wages
- $9,585,845
- Salaries, compensation and benefits (total)
- $14,016,379
- Professional fundraising fees
- $0
- Legal fees
- $21,154
- Accounting fees
- $408,000
- Occupancy
- $1,002,632
- Travel
- $30,242
- Depreciation
- $1,869,497
Balance sheet and other
- Total assets, start of year
- $915,908,349
- Total assets, end of year
- $876,836,066
- Total liabilities, end of year
- $815,062,188
- Net assets, end of year
- $61,773,878
- Land, buildings and equipment
- $12,447,124
- Publicly traded securities
- $166,094,806
- Gross unrelated business income
- $33,531
- Gross receipts
- $49,152,477
- Employees
- 178
- Volunteers
- 9
- Year formed
- 1954
- 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 September 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BARBARA MAHONEY | PRESIDENT/CEO Officer | 40 | $506,703 | $41,963 |
| JOSEPH NORMANT | SVP/CFO Officer | 40 | $298,958 | $25,850 |
| KATIE NAJJAR | SVP CHIEF MEMBER EXPERIENCE OFFICER Highest-paid employee | 40 | $226,749 | $81,770 |
| CRAIG MADONIA | SVP LENDING Key employee | 40 | $241,703 | $54,167 |
| MYCHELLE PHILLIPS | SVP OPERATIONS & IT Highest-paid employee | 40 | $223,031 | $42,247 |
| ELLEN COUGHLIN | SVP HR & DEVELOPMENT Highest-paid employee | 40 | $184,463 | $51,968 |
| KELLI ROONEY | SVP MARKETING & COMMUNITY ENGAGEMENT Highest-paid employee | 40 | $201,360 | $16,739 |
| ANDREW LEBLANC | VP INFORMATION TECHNOLOGY Highest-paid employee | 40 | $139,166 | $11,672 |
| ROBERT DELLECHIAIE | TREASURER Trustee or director, Officer | 1 | $13,278 | $0 |
| JOSEPH QUINTAL | CLERK Trustee or director, Officer | 1 | $12,160 | $0 |
| GIULIO GRECO | ASSISTANT TREASURER Trustee or director, Officer | 1 | $11,695 | $0 |
| JOHN W REEDY | DIRECTOR Trustee or director | 1 | $11,037 | $0 |
| RICHARD SHEPPARD | DIRECTOR Trustee or director | 1 | $10,354 | $0 |
| MICHAEL SAUVAGEAU | CHAIRMAN Trustee or director, Officer | 2 | $8,928 | $0 |
| JOYCE LEGER | VICE CHAIRMAN Trustee or director, Officer | 1 | $7,532 | $0 |
2 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MARC DOHAN | DIRECTOR Trustee or director | 1 | $558 |
| ADILSON LIMA | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended September 30, 2024: 17 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BARBARA MAHONEY | PRESIDENT/CEO Officer | 40 | $472,911 | $48,901 |
| JOSEPH NORMANT | CFO Officer | 40 | $274,696 | $24,321 |
| KATIE NAJJAR | SVP RETAIL Highest-paid employee | 40 | $208,652 | $74,906 |
| CRAIG MADONIA | SVP LENDING Key employee | 40 | $216,999 | $49,817 |
| MYCHELLE PHILLIPS | SVP OPERATIONS & IT Highest-paid employee | 40 | $198,259 | $38,493 |
| ELLEN COUGHLIN | SVP HR & DEVELOPMENT Highest-paid employee | 40 | $169,615 | $47,258 |
| KELLI ROONEY | SVP COMMUNITY ENGAGEMENT & MARKETING Highest-paid employee | 40 | $176,713 | $15,064 |
| ANDREW LEBLANC | VP INFORMATION TECHNOLOGY Highest-paid employee | 40 | $150,446 | $12,823 |
| ROBERT DELLECHIAIE | TREASURER Trustee or director, Officer | 1 | $9,569 | $0 |
| JOYCE LEGER | VICE CHAIRMAN Trustee or director, Officer | 1 | $9,403 | $0 |
| MICHAEL SAUVAGEAU | CHAIRMAN Trustee or director, Officer | 2 | $8,894 | $0 |
| HENRY KULIK | FORMER DIRECTOR Trustee or director | 1 | $8,884 | $0 |
| JOSEPH QUINTAL | CLERK Trustee or director, Officer | 1 | $8,424 | $0 |
| JOHN W REEDY | DIRECTOR Trustee or director | 1 | $8,228 | $0 |
| RICHARD SHEPPARD | DIRECTOR Trustee or director | 1 | $7,348 | $0 |
| GIULIO GRECO | ASSISTANT TREASURER Trustee or director, Officer | 1 | $3,006 | $0 |
| MARC DOHAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
990 for the year ended September 30, 2023: 18 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| BARBARA MAHONEY | PRESIDENT/CEO Officer | 40 | $414,280 | $63,941 |
| JOSEPH NORMANT | CFO Officer | 40 | $250,551 | $21,108 |
| CRAIG MADONIA | SVP LENDING Key employee | 40 | $200,224 | $46,772 |
| KATIE NAJJAR | SVP RETAIL Key employee | 40 | $188,752 | $55,310 |
| MYCHELLE PHILLIPS | VP OPERATIONS Highest-paid employee | 40 | $191,467 | $48,828 |
| KELLI ROONEY | SVP COMMUNITY ENGAGEMENT & MARKETING Highest-paid employee | 40 | $174,954 | $14,611 |
| ELLEN COUGHLIN | SVP HR & DEVELOPMENT Highest-paid employee | 40 | $138,002 | $42,072 |
| DONALD O'CONNOR | FORMER VP LENDING OPERATIONS Highest-paid employee | 40 | $140,485 | $31,966 |
| ANDREW LEBLANC | VP INFORMATION TECHNOLOGY Highest-paid employee | 40 | $138,946 | $10,199 |
| ROBERT DELLECHIAIE | DIRECTOR Trustee or director | 1 | $0 | $0 |
| NANCY GRAVES | FORMER TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| GIULIO GRECO | ASSISTANT TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| HENRY KULIK | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOYCE LEGER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| JOSEPH QUINTAL | CLERK Trustee or director, Officer | 1 | $0 | $0 |
| JOHN W REEDY | DIRECTOR Trustee or director | 1 | $0 | $0 |
| MICHAEL SAUVAGEAU | VICE CHAIRMAN Trustee or director, Officer | 2 | $0 | $0 |
| RICHARD SHEPPARD | CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 20 ADAMS ST, LEOMINSTER, MA 01453-5668
- Principal officer (990 for 2024)
- BARBARA MAHONEY, 20 ADAMS STREET, LEOMINSTER, MA 01453
- Signed the 990
- JOSEPH NORMANT, SVP/CFO
- Phone
- (978) 537-8021
- Website
- WWW.ALL-ONECU.COM
- Return prepared by
- RSM US LLP
Mission
ALL ONE CREDIT UNION IS A COMMUNITY-BASED FINANCIAL SERVICES PROVIDER. WE EXIST TO FULFILL OUR MEMBERS' FINANCIAL NEEDS THROUGH OUTSTANDING SERVICE AND EFFECTIVE TECHNOLOGY. AS A RESPONSIBLE CORPORATE CITIZEN, WE ARE COMMITTED TO ENRICHING THE COMMUNITIES IN WHICH WE LIVE AND WORK.
Program accomplishments
- TO SERVE OUR MEMBERS, OUR HIGHEST EXPENSE IS INTEREST PAID ON CERTIFICATES OF DEPOSIT. AT YEAR-END, ALL ONE CREDIT UNION HAD 36,759 MEMBERS, AND INTEREST PAID ON CERTIFICATES OF DEPOSIT TOTALED $10,497,920.
- OUR SECOND HIGHEST EXPENSE IS INTEREST PAID ON INDIVIDUAL RETIREMENT ACCOUNTS FOR OUR MEMBERS. AT YEAR-END, ALL ONE CREDIT UNION HAD 36,759 MEMBERS, AND INTEREST PAID ON MONEY MARKET ACCOUNTS TOTALED $1,371,127.
- OUR THIRD HIGHEST EXPENSE IS INTEREST PAID ON MONEY MARKET ACCOUNTS FOR OUR MEMBERS. AT YEAR-END, ALL ONE CREDIT UNION HAD 36,759 MEMBERS, AND INTEREST PAID ON MONEY MARKET ACCOUNTS TOTALED $514,340.
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 September, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | September 30, 2026 | February 15, 2027 | Not due yet |
| 2024 | September 30, 2025 | February 16, 2026 | 990 on file |
| 2023 | September 30, 2024 | February 17, 2025 | 990 on file |
IRS record
- EIN
- 04-2348884
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1955
- Accounting year ends
- September
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $876,836,066
- Income (IRS master file)
- $49,152,477
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | September 2025 | $47,686,728 | $46,478,129 | $876,836,066 | XML |
| 990 | September 2024 | $48,418,246 | $46,950,220 | $915,908,349 | XML |
| 990 | September 2023 | $40,678,234 | $38,607,870 | $905,439,366 | XML |
| 990 | September 2022 | $30,384,917 | $28,230,141 | $864,317,243 | IRS |
| 990 | September 2021 | – | – | – | IRS |
| 990 | September 2020 | – | – | – | IRS |
| 990 | September 2019 | – | – | – | IRS |
| 990 | September 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 04-2348884).
Questions about ALL ONE CREDIT UNION
- What is the EIN of ALL ONE CREDIT UNION?
- The employer identification number (EIN) of ALL ONE CREDIT UNION is 04-2348884.
- Is ALL ONE CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1955.
- Are donations to ALL ONE CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does ALL ONE 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 ALL ONE CREDIT UNION due?
- The return for tax year 2025 (the year ending September 30, 2026) is due February 15, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did ALL ONE CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended September 2025.
- Who is the principal officer of ALL ONE CREDIT UNION?
- The 990 for the year ended September 30, 2025 names BARBARA MAHONEY.
- Who are the officers and directors of ALL ONE CREDIT UNION?
- The 990 for the year ended September 30, 2025 lists 17 people; 16 received compensation from the organization, the highest $506,703 (BARBARA MAHONEY, PRESIDENT/CEO).
- How much revenue does ALL ONE CREDIT UNION have?
- On its 990 for the year ended September 30, 2025 it reported revenue of $47,686,728, expenses of $46,478,129 and total assets of $876,836,066 at year end.
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