Align Credit Union
Lowell, MA · EIN 04-1680140 · Rank 14,776 by total revenue
Aligning our members and communities with financial tools to serve their needs.
Money, Form 990 for tax year 2025
- Total revenue
- $30,436,495
- Total expenses
- $35,621,456
- Total assets
- $648,886,154
- Salary base (all salaries and wages)
- $9,239,745
- Salaries, other pay and benefits
- $10,945,515
- Employees
- 186
- Salary base per employee
- $49,676
"Salary base" is Form 990 Part IX lines 5 to 7. "Employees" is everyone who got a W-2 that year, full or part time. Form 990-EZ and 990-PF report pay differently; see About the data.
Leadership (15)
| Name | Title | Role | Hours/week | Total pay |
|---|---|---|---|---|
| Lydia Vazquez | PRESIDENT AND CEO | Board, Officer | 40 | $571,301 |
| Caleb Schultz | CHIEF INFORMATION OFFICER & COO | Officer | 40 | $289,332 |
| Jennifer Huska | SVP CHIEF LENDING OFFICER | Officer | 40 | $230,548 |
| Joanne McCarthy | CHIEF RETAIL OPERATIONS OFFICER | Officer | 40 | $189,001 |
| Joleen Forgione | CHIEF FINANCIAL OFFICER | Officer | 40 | $188,260 |
| Christa Therriault | CHIEF STRATEGY OFFICER | Officer | 40 | $169,664 |
| David R Morris | BOARD CHAIRMAN | Board, Officer | 1 | None reported |
| Steven J Babbitt | VICE CHAIRMAN | Board, Officer | 1 | None reported |
| Kathleen E McKenney | TREASURER | Board, Officer | 1 | None reported |
| Martin E Conway | DIRECTOR | Board | 1 | None reported |
| Joseph Forster | DIRECTOR | Board | 1 | None reported |
| Juliet Kalungi | DIRECTOR | Board | 1 | None reported |
| Rey Lemaine | DIRECTOR | Board | 1 | None reported |
| Carol McMahon | DIRECTOR | Board | 1 | None reported |
| John Morris | DIRECTOR | Board | 1 | None reported |
Top 10 paid people listed
These 10 people received $2,434,562, which is 26.3% of the $9,239,745 salary base shared by 186 employees.
| Name | Title | Role | Hours/week | From this org | From related orgs | Other pay | Total |
|---|---|---|---|---|---|---|---|
| Lydia Vazquez | PRESIDENT AND CEO | Board, Officer | 40 | $527,945 | $0 | $43,356 | $571,301 |
| Caleb Schultz | CHIEF INFORMATION OFFICER & COO | Officer | 40 | $268,255 | $0 | $21,077 | $289,332 |
| Abby Decoster | SVP-DEPOSIT OPERATIONS | Highly paid employee | 40 | $204,629 | $0 | $27,630 | $232,259 |
| Jennifer Huska | SVP CHIEF LENDING OFFICER | Officer | 40 | $187,894 | $0 | $42,654 | $230,548 |
| Greg Tapella | VP-DIRECTOR OF IT | Highly paid employee | 40 | $171,295 | $0 | $39,891 | $211,186 |
| Joanne McCarthy | CHIEF RETAIL OPERATIONS OFFICER | Officer | 40 | $173,447 | $0 | $15,554 | $189,001 |
| Joleen Forgione | CHIEF FINANCIAL OFFICER | Officer | 40 | $174,479 | $0 | $13,781 | $188,260 |
| Sean Wawrzkiewicz | SVP-FINANCE | Highly paid employee | 40 | $146,479 | $0 | $36,298 | $182,777 |
| Kristen McNamara | SVP-HUMAN RESOURCES | Highly paid employee | 40 | $133,260 | $0 | $36,974 | $170,234 |
| Christa Therriault | CHIEF STRATEGY OFFICER | Officer | 40 | $132,347 | $0 | $37,317 | $169,664 |
Sources
- IRS e-file return 202612239349302121 (Form 990, period ending 2025-12-31): readable copy at ProPublica Nonprofit Explorer
- IRS Tax Exempt Organization Search for EIN 04-1680140
- Organization website (as filed): www.aligncu.org