Is it real?
Yes. Never revoked by the IRS. Latest filing on record: FY2025. IRS ruling in Oct 1938.
IRS Pub. 78 · IRS Auto-Revocation List · IRS Business Master File
Where the money goes
65 cents of each dollar spent went to programs.
Form 990 Part IX, line 25, columns B–D. Every line is in By the numbers.
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Who runs it and what they're paid
18 people listed on the 990; $1.4M paid to officers and key staff.
Compensation history total reportable pay by year · 8 named individuals · Part VII
| Name | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Kenneth M Del Rossi | — | $331,228 | $1,826,749 | $1,840,349 | $522,798 | $510,558 |
| Lydia Vazquez | $527,945 | $424,563 | $276,295 | $163,564 | $159,616 | — |
| Gary Abrams | — | $521,553 | — | — | — | — |
| Thomas Hammond | — | — | $307,230 | $283,479 | $276,544 | $280,235 |
| Caleb Schultz | $268,255 | $166,419 | — | — | — | — |
| Brian Bacci | — | — | — | — | $255,973 | $214,516 |
| Joanne McCarthy | $173,447 | $206,704 | $184,230 | $166,017 | $163,787 | — |
| Abby Decoster | $204,629 | — | — | — | — | — |
Total reportable compensation (Form 990 Part VII column D / Schedule J column E) by filing year, matched by name within this organization. The Schedule J base / bonus / deferred breakdown is not parsed into this dataset.
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Questions the 990 asks
The form asks each of these directly. These are the filed answers.
- Family or business ties among officersPt VI · Ln 2No
- Top official's pay set by an independent reviewPt VI · Ln 15aYes
Programs and updates
Empowering members and communities with financial tools to meet their needs.
Questions for Align Credit Union
Your first name shows with your question. Align Credit Union answers here, for everyone.
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Granting credit to members with various loan products.
Dividends and interest paid on members deposits.
Member services including debit and credit cards.
Funders
Who pays for it.
From grant filings on record. Receipts are incomplete: individual donors are never listed.
Grants
By the numbers
The FY2020 990, line by line.
Download 990
| Line | Start FY20 | End FY20 |
|---|---|---|
| Cash and savingsLn 1–2 | $27.3M | $134.3M |
| InvestmentsLn 11–13 | $178.5M | $143.7M |
| Land, buildings, equipmentLn 10c | $9.5M | $9.3M |
| Total assetsLn 16 | $641.1M | $692.6M |
| LiabilitiesLn 26 | $566.0M | $610.7M |
| Net assetsLn 32 | $75.0M | $81.9M |
| Line | Total | Programs | Management | Fundraising |
|---|---|---|---|---|
| Benefits paid to or for membersLn 4 | $3.8M | $3.8M | ||
| Pay of current officers, directors and key staffLn 5 | $1.4M | $204K | $1.2M | |
| Other salaries and wagesLn 7 | $7.6M | $7.6M | ||
| Pension plan contributionsLn 8 | $572K | $383K | $189K | |
| Other employee benefitsLn 9 | $1.5M | $1.0M | $496K | |
| Payroll taxesLn 10 | $687K | $460K | $227K | |
| Legal feesLn 11b | $13K | $13K | ||
| Office expensesLn 13 | $666K | $666K | ||
| OccupancyLn 16 | $1.3M | $1.3M | ||
| Conferences, conventions and meetingsLn 19 | $8K | $5K | $3K | |
| InterestLn 20 | $1.5M | $1.5M | ||
| Depreciation, depletion and amortizationLn 22 | $1.1M | $1.1M | ||
| Other expenses (24a–d)Ln 24 | $6.7M | $2.6M | $4.2M | |
| All other expensesLn 24e | $128K | $128K | ||
| Total functional expensesLn 25 | $27.0M | $17.6M | $9.4M | $0 |
Filing history
| Year | Money in | Money out | In minus out | Net assets | Download |
|---|---|---|---|---|---|
| FY2025 Latest | $30.4M | $35.6M | −$5.2M | $38.8M | 990 PDF |
| FY2024 | $29.5M | $38.2M | −$8.7M | $33.4M | 990 PDF |
| FY2023 | $27.9M | $31.4M | −$3.5M | $37.7M | 990 PDF |
| FY2022 | $24.4M | $24.0M | $410K | $35.3M | 990 PDF |
| FY2021 | $24.2M | $23.8M | $410K | $74.6M | 990 PDF |
| FY2020 Viewing | $28.7M | $27.0M | $1.7M | $81.9M | 990 PDF |
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Schedules filed Part IV
See the full FY2020 990 (6 parts)
Part I · Summary $28,709,871 revenue, 12 lines filed
Part VI · Governance 12 of 12 board members independent, 1 to look at
Part VIII · Statement of revenue $28,709,871 across 5 lines filed
Part IX · Statement of functional expenses $26,990,515 across 14 lines filed
Part X · Balance sheet $692,602,330 assets, 12 lines filed
Part XI · Reconciliation of net assets $81,860,940 net assets at year end
Form 990 e-file (XML) FY2020 from the IRS · Classification, formation year and address from the IRS Business Master File
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