Align Credit Union
Aligning our members and communities with financial tools to serve their needs.
Key facts about Align Credit Union
In short: Align Credit Union reported $48K in grants paid in 2025 (a total; its filing lists no individual grants). Source: 2025 IRS Form 990.
- EIN
- 04-1680140
- Latest 990 filing
- Form 990, 2025
- Grants paid (2025)
- $47,734 — reported as a total on the IRS filing, without an itemized list
- Total assets
- $648,886,154
Data from IRS Form 990, 2025; updated September 2026.
Financial Overview
From 2025 IRS Form 990 · View filing
Total Assets
$648.9M
-3.1% YoY
Grants Paid (reported total)
$48K
-7.9% YoY
Revenue
$30.4M
+3.2% YoY
Net Investment Income
$6.2M
+8.1% YoY
About Align Credit Union
Based on IRS filings
Align Credit Union is a public charity, based in Lowell, MA. IRS filing data is available from 2020 through 2025. As of 2025, the organization holds $648.9M in total assets. In 2025, it reported $48K in grants paid as a total on its IRS filing, without an itemized list. Net investment income was $6.2M.
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Geographic Focus
Where this funder awards grants
Grant Distribution by State
States
Cities
Giving Over Time
Total grant dollars and number of grants per year
From 2021 to 2025, annual grant giving ranged from $32K (2023) to $66K (2022). In 2025 it reported $48K in grants paid, as a total without an itemized list.
Hatched bars: grants paid as reported on the IRS filing, which lists no individual grants for that year.
Grant Insights
How this funder distributes its grants
Grant Size Distribution
13 grants across all recorded years
The most common grant size was under $50K: 13 grants of 13 (100%).
Giving History
Grant recipients and amounts by year
No grants recorded for 2025.
Financial History
Multi-year comparison from IRS filings
| Metric | 2025 | 2024 | 2023 |
|---|---|---|---|
| Total Assets | $648,886,154 | $669,475,106 | $706,708,681 |
| Revenue | $30,436,495 | $29,485,904 | $27,908,271 |
| Expenses | $35,621,456 | $38,156,747 | $31,391,959 |
| Net Investment Income | $6,233,188 | $5,764,651 | $6,385,021 |
Data update history
When this profile's IRS filing data changed on Grantable
- Updated Form 990 for fiscal year 2021 (received by the IRS September 21, 2022)
- Updated Form 990 for fiscal year 2022 (received by the IRS September 12, 2023)
- Updated Form 990 for fiscal year 2023 (received by the IRS November 15, 2024)
- Updated Form 990 for fiscal year 2024 (received by the IRS November 14, 2025)
- Added Form 990 for fiscal year 2025 (received by the IRS August 11, 2026)
Leadership & Key People
Officers and directors from IRS filings
Align Credit Union is led by Lydia Vazquez, President & CEO since 2024 (on filings since 2021); 11 of 20 officers listed in 2025 are compensated.
Officers on the 2025 filing
Lydia Vazquez
President & CEO
Chief Lending Officer → Chief Operating Officer, 2023
Chief Operating Officer → President & CEO, 2024
On filings since 2021
40 hrs/week
$160K (2021) → $528K (2025)
David R. Morris
Board Chairman
Vice Chairperson → Director, 2024
Director → Board Chairman, 2025
On filings since 2020
1 hr/week
No compensation reported
Greg Tapella
Vp-Director of It
New on the 2025 filing
40 hrs/week
$171K (2025)
Joseph Forster
Director
On filings since 2020
1 hr/week
No compensation reported
Martin E. Conway
Director
On filings since 2020
1 hr/week
No compensation reported
John Morris
Director
On filings since 2023
1 hr/week
No compensation reported
Carol McMahon
Director
On filings since 2024
1 hr/week
No compensation reported
Juliet Kalungi
Director
On filings since 2024
1 hr/week
No compensation reported
Rey Lemaine
Director
On filings since 2024
1 hr/week
No compensation reported
Joanne McCarthy
Chief Retail Operations Officer
Senior Vice President Chief Retail Officer & Security Officer → Chief Retail Officer & Security Officer, 2024
Chief Retail Officer & Security Officer → Chief Retail Operations Officer, 2025
On filings since 2021
40 hrs/week
$164K (2021) → $173K (2025)
Jennifer Huska
Senior Vice President Chief Lending Officer
Senior Vice President Chief Strategy Officer → Senior Vice President Chief Lending Officer, 2024
On filings since 2022
40 hrs/week
$143K (2022) → $188K (2025)
Caleb Schultz
Chief Information Officer & COO
Chief Information Officer → Chief Information Officer & COO, 2025
On filings since 2024
40 hrs/week
$166K (2024) → $268K (2025)
Kristen McNamara
Svp-Human Resources
On filings since 2024
40 hrs/week
$119K (2024) → $133K (2025)
Sean Wawrzkiewicz
Svp-Finance
On filings since 2024
40 hrs/week
$141K (2024) → $146K (2025)
Abby Decoster
Svp-Deposit Operations
New on the 2025 filing
40 hrs/week
$205K (2025)
Christa Therriault
Chief Strategy Officer
New on the 2025 filing
40 hrs/week
$132K (2025)
Joleen Forgione
Chief Financial Officer
New on the 2025 filing
40 hrs/week
$174K (2025)
Stephanie Tencati
Svp-Marketing
New on the 2025 filing
40 hrs/week
$159K (2025)
Kathleen E. McKenney
Treasurer
Director → Treasurer, 2024
On filings since 2020
1 hr/week
No compensation reported
Steven J. Babbitt
Vice Chairman
Director → Vice Chairman, 2024
On filings since 2020
1 hr/week
No compensation reported
Former officers (24)
- Former: Frank H. Lospennato (2020–2024) — Treasurer
- Former: George R. Gagan (2020–2024) — Chairman
- Former: Karen A. Morris (2020–2024) — Clerk
- Former: Kenneth M. Del Rossi (2020–2024) — Retired President & CEO
- Former: Gary Abrams (2024) — Interim CFO
- Former: Gary Long (2024) — Vp-Collections
- Former: Oanh Le (2024) — Vp-Assistant Controller
- Former: Alan J. Sexton (2020–2023) — Director
- Former: Richard W. Piecewicz (2020–2023) — 2nd Vice Chairperson
- Former: Thomas Hammond (2020–2023) — CFO
- Former: Maryann Bedard (2021–2023) — Svp-Consumer Lending
- Former: Sandra Lamplough (2021–2023) — Svp-Operations
- Former: Todd Caron (2021–2023) — CIO
- Former: Joanne Doulames (2023) — Senior Vice President It
- Former: Kathleen Kay-Allen (2023) — Vp-Servicing
- Former: Mark Sanguinetti (2023) — Senior Vice President Chief Lending Officer
- Former: Mark Palermo (2021–2022) — Senior Vice President Chief Investment Officer
- Former: Brian Bacci (2020–2021) — Executive Vice President & COO
- Former: Francis J. McKenney (2020–2021) — 1st Vice Chairman
- Former: Linda L. Purtell (2020–2021) — Director
- Former: Susan Gill (2021) — Vice President Accounting & Finance
- Former: Derek Da Silva (2020) — Mortgage Originator
- Former: Katie Rockett (2020) — Mortgage Originator
- Former: Maxwell G. Rodgers (2020) — Director
Data from IRS Form 990 filings, 2020–2025. "On filings since" is the earliest filing we hold that lists the person; hours are average hours per week as reported.
Compensation Overview
From 2025 IRS filing
The highest reported compensation on the 2025 filing was $528K, to Lydia Vazquez (President and CEO). 11 officers or directors reported compensation on that filing.
Frequently asked questions about Align Credit Union
How much does Align Credit Union give each year?
Align Credit Union reported $48K in grants paid in 2025 on its 2025 IRS Form 990, as a total without an itemized list of grants. In 2024 it reported $52K in grants paid.
How large is Align Credit Union?
Align Credit Union reported $648.9M in total assets on its 2025 IRS Form 990. Its revenue that year was $30.4M.
Where does Align Credit Union operate?
Align Credit Union has awarded grants in Massachusetts.
What is Align Credit Union's EIN?
Align Credit Union's EIN (Employer Identification Number) is 04-1680140. IRS Form 990 filing data is available on this page for 2020–2025.
Data last updated September 2026. Sourced from IRS Form 990 filings.
Here's the math on researching Align Credit Union by hand.
Explore Open Grants
Browse active grant opportunities in Align Credit Union's focus areas in our free grants database
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