2026-08-11T16:38:15-05:00 2025-12-31 393647910 WIPFLI ADVISORY LLC 30 LONG CREEK DRIVE SOUTH PORTLAND ME 041062437 990 2025-01-01 041680140 ALIGN CREDIT UNION ALIG 8009429575 87 HALE STREET LOWELL MA 01851 LYDIA VAZQUEZ PRESIDENT & CEO 8009429575 2026-08-10 1 JULIA HOWLAND CPA P01711658 2077745701 2026-08-10 2025 2025-03-06 01:10:19Z LYDIA VAZQUEZ 87 HALE STREET LOWELL MA 01851 91078710 0 X WWW.ALIGNCU.ORG X 1922 MA ALIGNING OUR MEMBERS AND COMMUNITIES WITH FINANCIAL TOOLS TO SERVE THEIR NEEDS. 10 9 186 10 51350 0 0 0 20490500 20987562 5764651 6233188 3230753 3215745 29485904 30436495 51810 47734 9342729 8847098 12680804 10945515 0 0 0 16081404 15781109 38156747 35621456 -8670843 -5184961 669475106 648886154 636104278 610055913 33370828 38830241 ALIGNING OUR MEMBERS AND COMMUNITIES WITH FINANCIAL TOOLS TO SERVE THEIR NEEDS. 0 0 DIVIDENDS AND INTEREST PAID ON MEMBERS DEPOSITS. GRANTING CREDIT TO MEMBERS WITH VARIOUS LOAN PRODUCTS. MEMBER SERVICES INCLUDING DEBIT AND CREDIT CARDS. 0 0 0 0 0 0 0 1 0 1 1 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 10517 0 1 186 1 1 1 0 0 0 0 0 0 0 0 0 X 10 9 0 0 0 0 1 1 1 1 1 0 0 0 1 0 1 1 1 1 1 0 MA X LYDIA VAZQUEZ 8009429575 87 HALE STREET LOWELL MA 01851 LYDIA VAZQUEZ PRESIDENT AND CEO 40.00 X X 527945 0 43356 DAVID R MORRIS BOARD CHAIRMAN 1.00 X X 0 0 0 STEVEN J BABBITT VICE CHAIRMAN 1.00 X X 0 0 0 KATHLEEN E MCKENNEY TREASURER 1.00 X X 0 0 0 MARTIN E CONWAY DIRECTOR 1.00 X 0 0 0 JOSEPH FORSTER DIRECTOR 1.00 X 0 0 0 JULIET KALUNGI DIRECTOR 1.00 X 0 0 0 REY LEMAINE DIRECTOR 1.00 X 0 0 0 CAROL MCMAHON DIRECTOR 1.00 X 0 0 0 JOHN MORRIS DIRECTOR 1.00 X 0 0 0 CALEB SCHULTZ CHIEF INFORMATION OFFICER & COO 40.00 X 268255 0 21077 JENNIFER HUSKA SVP CHIEF LENDING OFFICER 40.00 X 187894 0 42654 JOLEEN FORGIONE CHIEF FINANCIAL OFFICER 40.00 X 174479 0 13781 JOANNE MCCARTHY CHIEF RETAIL OPERATIONS OFFICER 40.00 X 173447 0 15554 CHRISTA THERRIAULT CHIEF STRATEGY OFFICER 40.00 X 132347 0 37317 ABBY DECOSTER SVP-DEPOSIT OPERATIONS 40.00 X 204629 0 27630 GREG TAPELLA VP-DIRECTOR OF IT 40.00 X 171295 0 39891 STEPHANIE TENCATI SVP-MARKETING 40.00 X 158924 0 3841 SEAN WAWRZKIEWICZ SVP-FINANCE 40.00 X 146479 0 36298 KRISTEN MCNAMARA SVP-HUMAN RESOURCES 40.00 X 133260 0 36974 2278954 0 318373 14 0 1 0 FISERV 75 REMITTANCE DRIVE SUITE 6969 CHICAGO IL 60675 FI TECHNOLOGY 1687666 RSM US LLP 5155 PAYSPHERE CIRCLE CHICAGO IL 60674 IT CONSULTING/IT SERVICES 1119168 COMPASS FACILITY SERVICES 65 JACKMAN ST GEORGETOWN MA 01833 MAINTENANCE 599147 LOOMIS FARGO & CO 2500 CITYWEST BLVD SUITE 2300 HOUSTON TX 77042 ARMORED TRANSPORTATION 266657 GARY ABRAMS 78 WESTON LANE HOPKINTON MA 01748 ACCOUNTING SERVICES 235576 22 INTEREST ON LOANS 522100 20304590 20304590 682972 682972 20987562 5901142 5901142 57374261 3600000 57407919 3234296 -33658 365704 332046 332046 ATM & CREDIT CARD INTERCHANGE INC 522100 2046923 1995573 51350 WEALTH MANAGEMENT SERVICES 522100 591208 591208 MEMBER SERVICE FEES 522100 577614 577614 3215745 30436495 24151957 51350 6233188 47734 8847098 1672252 7567493 351196 633945 720629 7528 1480745 176000 313203 1355521 12841 69395 2338689 1705890 182391 SERVICE CONTRACTS 3643858 PROVISION FOR LOAN LOSS 1503808 ATM EXPENSE 521962 LOAN FEES 352251 2117027 35621456 3349622 4184814 6088116 7865783 2254828 2277370 390470816 397634413 13138058 6884427 8790305 6253631 243166822 184526925 3324100 35207760 12030497 10935458 669475106 648886154 1993970 2011354 2007066 2149948 70000000 45000000 562103242 560894611 636104278 610055913 X 0 0 0 0 33370828 38830241 33370828 38830241 669475106 648886154 -5184961 10644374 0 X 0 1 X 1 0 0 1 X 1705000 1705000 5367789 2326744 3041045 6065269 4557683 1507586 6253631 U.S. TREASURY NOTE 32927160 C ALL OTHER INVESTMENTS 2280600 C 35207760 OTHER LIABILITIES 4645530 MEMBERS' SHARE & DEPOSIT ACCOUNTS 556249081 560894611 X 30436495 0 30436495 0 30436495 35621456 0 35621456 0 35621456 PART IV, LINE 2B: THE CREDIT UNION HOLDS FUNDS IN ESCROW TO PAY INSURANCE AND TAXES ON BEHALF OF ITS MORTGAGE LOAN ACCOUNTS. PART X, LINE 2: THE CREDIT UNION MAY RECOGNIZE A LIABILITY FOR UNRECOGNIZED TAX BENEFITS FROM UNCERTAIN TAX POSITIONS. UNRECOGNIZED TAX BENEFITS REPRESENT THE DIFFERENCES BETWEEN A TAX POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN AND THE BENEFIT RECOGNIZED AND MEASURED IN THE FINANCIAL STATEMENTS. INTEREST AND PENALTIES RELATED TO UNRECOGNIZED TAX BENEFITS ARE CLASSIFIED AS INCOME TAX EXPENSE. X X X 0 0 0 LYDIA VAZQUEZ PRESIDENT AND CEO 505710 0 21861 0 374 0 5774 0 37582 0 571301 0 0 0 CALEB SCHULTZ CHIEF INFORMATION OFFICER & COO 254522 0 13733 0 0 0 4384 0 16693 0 289332 0 0 0 ABBY DECOSTER SVP-DEPOSIT OPERATIONS 197296 0 6966 0 367 0 1775 0 25855 0 232259 0 0 0 JENNIFER HUSKA SVP CHIEF LENDING OFFICER 178391 0 9254 0 249 0 5646 0 37008 0 230548 0 0 0 GREG TAPELLA VP-DIRECTOR OF IT 167105 0 4190 0 0 0 0 0 39891 0 211186 0 0 0 JOANNE MCCARTHY CHIEF RETAIL OPERATIONS OFFICER 135374 0 12110 0 25963 0 3415 0 12139 0 189001 0 0 0 JOLEEN FORGIONE CHIEF FINANCIAL OFFICER 159334 0 8574 0 6571 0 1370 0 12411 0 188260 0 0 0 SEAN WAWRZKIEWICZ SVP-FINANCE 141713 0 4392 0 374 0 3015 0 33283 0 182777 0 0 0 KRISTEN MCNAMARA SVP-HUMAN RESOURCES 126363 0 5785 0 1112 0 4149 0 32825 0 170234 0 0 0 CHRISTA THERRIAULT CHIEF STRATEGY OFFICER 124070 0 7704 0 573 0 4149 0 33168 0 169664 0 0 0 STEPHANIE TENCATI SVP-MARKETING 152593 0 5971 0 360 0 1254 0 2587 0 162765 0 0 0 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION HAS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A THE CREDIT UNION HOLDS AN ANNUAL MEETING ACCORDING TO ITS BYLAWS WHERE ALL MEMBERS ARE GIVEN PROPER NOTIFICATION. THE BYLAWS CALL FOR THE ELECTION OF DIRECTORS WHOSE TERMS HAVE EXPIRED. FORM 990, PART VI, SECTION A, LINE 7B THE CREDIT UNION MEMBERS RATIFY DECISIONS OF THE GOVERNING BODY AT THEIR ANNUAL MEETING AND ELECT DIRECTORS AT THAT TIME. FORM 990, PART VI, SECTION B, LINE 11B THE ORGANIZATION CONTRACTS WITH THEIR CPA FIRM TO PREPARE FORM 990. AFTER PREPARATION, A DRAFT COPY IS SENT TO THE PRESIDENT AND CEO AND THE CHIEF FINANCIAL OFFICER FOR REVIEW. ONCE APPROVED THE 990 IS FILED. A COPY OF THE 990 IS PROVIDED TO THE AUDIT COMMITTEE AND THE FULL BOARD FOR THEIR REVIEW AND RATIFICATION AT THE MEETING FOLLOWING THE FILING OF THE FORM 990. FORM 990, PART VI, SECTION B, LINE 12C WE HAVE A WRITTEN CONFLICT OF INTEREST POLICY WITHIN OUR EMPLOYEE GUIDEBOOK. ADDITIONALLY, THE BOARD SIGNS A CODE OF ETHICS AGREEMENT. THE QUESTIONS ARE CONTAINED IN THE POLICY. A COPY OF THE POLICY CAN BE PROVIDED UPON REQUEST. FORM 990, PART VI, SECTION B, LINE 15 WE RELIED ON DIFFERENT SURVEYS AND THE EXPERTISE OF OUR HR DEPARTMENT. SALARIES ARE SET ANNUALLY BY THE SALARY/EXECUTIVE PERSONNEL COMMITTEE OF THE BOARD OF DIRECTORS. THE CURRENT PRESIDENT/CEO IS REVIEWED ANNUALLY AND EVALUATED ON GOALS SET BY THE BOD. FORM 990, PART VI, SECTION C, LINE 19 THE CREDIT UNION MAKES THE DOCUMENT AVAILABLE UPON REQUEST.