Skip to content
ProPublica Donate
ProPublica Donate

Liberty Bay Credit Union

  • Braintree, MA
  • Tax-exempt since Nov. 1937
  • EIN: 04-1896000

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Category: Public, Society Benefit — Multipurpose and Other / Credit Unions (NTEE)

Donations to this organization are not tax deductible.

Details

According to its Dec. 2022 tax filing, this nonprofit:

Reported conflict of interest transactions
Organizations must report loans, grants or business transactions with interested parties, which may include key employees and officers, their family members and any businesses in which they hold a controlling interest. These transactions must be reported on Schedule L.

Summary charts: organization finances over time

Revenue
$27.5M (2022)

Expenses
$20.7M (2022)

Total Assets
$744M (2022)

Total Liabilities
$650M (2022)

Source: Form 990 tax filings from 2011 to 2022

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$27,516,942
Expenses
$20,735,203
Net Income
$6,781,739
Net Assets
$94,049,252
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $24,784,031
90.1%
Investment Income $2,988,059
10.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$255,148
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $3,907,036
18.8%
Professional Fundraising Fees $0
Other Salaries and Wages $4,828,263
23.3%
Assets/Debt
Total Assets $743,994,815
Total Liabilities $649,945,563
Net Assets $94,049,252
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
John Parillo (President & Ceo) $659,606 $0 $41,957
M Lyndon Matteson Iii (Former President / Ceo) $534,854 $0 $41,957
Katherine Peila (Svp & Chief Admin Officer) $231,163 $0 $35,782
Paola Ferrara (Mortgage Loan Officer) $226,593 $0 $50,691
Frederick Williams (Svp And Cfo) $221,452 $0 $50,864
Paul Gravellese (Svp & Chief Lending Offic) $220,620 $0 $40,203
George Kelly (Svp & Chief Strategy Offic) $220,620 $0 $50,781
Joseph Bears (Svp & Chief Information Officier) $205,567 $0 $50,024
Stephen Fulchini (Svp, Information Technolog) $183,834 $0 $30,451
Stephen Hile (Mortage Loan Officier) $177,883 $0 $34,557
James Dowling (Controller) $154,477 $0 $43,569
Marguerite Murphy (Vp Mortgage) $150,397 $0 $28,570
Donna Warner (Vp Retail Services) $143,537 $0 $27,884
Peter Lincoln (Chairman) $24,000 $0 $51
Robert B Foley Jr (Treasurer) $12,000 $0 $133
Sean Cashman (Secretary) $12,000 $0 $204
Gerard Burm (Director) $0 $0 $51
Eugene Leahy (Director) $0 $0 $51
Edward Mccolgan (Director) $0 $0 $82
Thomas J Flynn (Director) $0 $0 $82
Edward R Foley (Director) $0 $0 $82
Patrick J Foley (Vice Chairman) $0 $0 $204
Stephen J Kelley Sr (Director) $0 $0 $51
William T Murphy (Director) $0 $0 $51
Michael F Mccarthy (Director) $0 $0 $51
See filing for compensation of 1 other people →
+ View more people

Document Links

990
Filed on May 15, 2023

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$24,208,397
Expenses
$23,163,998
Net Income
$1,044,399
Net Assets
$104,067,699
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $21,855,844
90.3%
Investment Income $2,344,451
9.7%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $8,102
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $3,419,779
14.8%
Professional Fundraising Fees $0
Other Salaries and Wages $6,401,729
27.6%
Assets/Debt
Total Assets $714,665,238
Total Liabilities $610,597,539
Net Assets $104,067,699
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
M Lyndon Matteson Iii (Former President / Ceo) $515,210 $0 $39,660
John Parillo (Interim President & Ceo) $416,797 $0 $39,660
Paola Ferrara (Mortgage Loan Officer) $321,071 $0 $58,032
Stephen Hile (Mortgage Loan Officer) $286,730 $0 $38,627
Katherine Peila (Chief Admin Officer) $198,360 $0 $32,492
Frederick Williams (Svp And Cfo) $182,628 $0 $44,893
Brian Leary (Director Of Advanced Membe) $181,951 $0 $29,573
George Kelly (Svp & Chief Strategy Offic) $181,788 $0 $44,809
Paul Gravellese (Svp & Chief Lending Offic) $178,427 $0 $28,503
Stephen Fulchini (Svp, Information Technolog) $167,836 $0 $30,604
Marguerite Murphy (Vp Mortgage) $148,615 $0 $26,240
James Dowling (Vp, Controller) $146,821 $0 $41,312
Peter Lincoln (Chairman) $12,250 $0 $51
Sean Cashman (Secretary) $9,500 $0 $204
Edward R Foley (Former Chairman) $6,750 $0 $82
Robert B Foley Jr (Treasurer) $6,125 $0 $133
Gerard Burm (Former Treasurer) $3,375 $0 $51
Eugene Leahy (Director) $0 $0 $51
Edward Mccolgan (Director) $0 $0 $82
Thomas J Flynn (Director) $0 $0 $82
Patrick J Foley (Vice Chairman) $0 $0 $204
Stephen J Kelley Sr (Director) $0 $0 $51
William T Murphy (Director) $0 $0 $51
Michael F Mccarthy (Director) $0 $0 $51
Robert J Mitchell (Director) $0 $0 $51
+ View more people

Document Links

990
Filed on May 16, 2022

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$25,749,984
Expenses
$24,417,222
Net Income
$1,332,762
Net Assets
$106,886,680
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $22,410,666
87.0%
Investment Income $2,905,514
11.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $433,804
1.7%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $3,516,668
14.4%
Professional Fundraising Fees $0
Other Salaries and Wages $5,412,459
22.2%
Assets/Debt
Total Assets $701,131,908
Total Liabilities $594,245,228
Net Assets $106,886,680
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
M Lyndon Matteson Iii (President / Ceo) $446,758 $0 $38,031
John Parillo (Senior Executive Vice Pres) $395,105 $0 $38,031
Stephen Hile (Mortgage Loan Officer) $299,557 $0 $37,325
Paola Ferrara (Mortgage Loan Officer) $286,841 $0 $51,468
Katherine Peila (Chief Admin Officer) $246,954 $0 $37,351
Frederick Williams (Svp And Cfo) $233,942 $0 $46,473
George Kelly (Svp & Chief Strategy Offic) $232,537 $0 $46,927
Paul Gravellese (Svp & Senior Lending Offic) $216,732 $0 $31,204
Stephen Fulchini (Svp, Information Technolog) $212,868 $0 $33,334
Marguerite Murphy (Vp Mortgage) $155,361 $0 $26,739
Brian Leary (Director Of Advanced Membe) $152,657 $0 $26,469
James Dowling (Controller) $148,006 $0 $37,880
Edward R Foley (Chairman) $18,000 $0 $82
Gerard Burm (Treasurer) $9,000 $0 $82
Dennis J Siracusa (Former Secretary) $7,500 $0 $111
Sean Cashman (Secretary) $2,250 $0 $204
Eugene Leahy (Director) $0 $0 $51
Edward Mccolgan (Vice Chairman) $0 $0 $82
Thomas J Flynn (Director) $0 $0 $82
Patrick J Foley (Director) $0 $0 $204
Robert B Foley Jr (Director) $0 $0 $133
Stephen J Kelley Sr (Director) $0 $0 $82
William T Murphy (Director) $0 $0 $51
Michael F Mccarthy (Director) $0 $0 $51
Robert J Mitchell (Director) $0 $0 $51
See filing for compensation of 2 other people →
+ View more people

Document Links

990
Filed on April 29, 2021

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
XML

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$28,578,672
Expenses
$27,519,533
Net Income
$1,059,139
Net Assets
$102,474,447
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $24,578,956
86.0%
Investment Income $3,839,065
13.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $160,651
0.6%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $4,334,708
15.8%
Professional Fundraising Fees $0
Other Salaries and Wages $5,056,460
18.4%
Assets/Debt
Total Assets $669,863,600
Total Liabilities $567,389,153
Net Assets $102,474,447
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Edward Lopes (Former President/Ceo) $500,778 $0 $37,502
M Lyndon Matteson Iii (President / Ceo) $397,120 $0 $45,629
Peter Dennis (Former Svp Business Development) $277,665 $0 $50,104
Joseph Bean (Former Svp Finance & Lending Oper) $250,814 $0 $47,021
John Parillo (Senior Executive Vice President) $218,810 $0 $28,653
Stephen Fulchini (Svp, Information Technology) $217,358 $0 $35,094
Katherine Peila (Chief Admin Officer) $206,993 $0 $43,128
James Quinn (Former Svp Administration) $205,591 $0 $39,571
Stephen Hile (Mortgage Loan Officer) $204,141 $0 $40,439
Frederick Williams (Svp And Cfo) $200,795 $0 $41,836
Paola Ferrara (Mortgage Loan Officer) $189,812 $0 $40,141
George Kelly (Svp & Chief Strategy Officer) $184,109 $0 $40,984
Brian Leary (Director Of Advanced Membe) $177,582 $0 $29,386
Paul Gravellese (Svp & Senior Lending Officer) $164,755 $0 $27,122
Marguerite Murphy (Vp Mortgage) $147,852 $0 $27,503
Donna Warner (Vp Retail Services) $143,584 $0 $34,919
Edward R Foley (Chairman) $18,000 $0 $133
Gerard Burm (Treasurer) $9,000 $0 $82
Dennis J Siracusa (Secretary) $9,000 $0 $204
Eugene Leahy (Director) $0 $0 $82
Brian Adams (Director) $0 $0 $68
Winifred Bolter (Director) $0 $0 $51
Edward Mccolgan (2 Nd Vice Chairman) $0 $0 $133
Thomas J Flynn (Director) $0 $0 $133
Patrick J Foley (Vice Chairman) $0 $0 $204
See filing for compensation of 8 other people →
+ View more people

Document Links

990
Filed on May 14, 2020

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$25,866,948
Expenses
$24,997,504
Net Income
$869,444
Net Assets
$98,114,466
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $21,762,598
84.1%
Investment Income $4,104,350
15.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,110,797
8.4%
Professional Fundraising Fees $0
Other Salaries and Wages $6,102,053
24.4%
Assets/Debt
Total Assets $667,405,233
Total Liabilities $569,290,767
Net Assets $98,114,466
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Edward Lopes (President/Ceo) $408,348 $0 $39,203
Peter Dennis (Svp Business Development) $210,032 $0 $47,101
Joseph Bean (Svp Finance & Lending Oper) $176,109 $0 $42,979
James Quinn (Svp Administration) $170,598 $0 $42,991
Katherine Peila (Svp Of Project Administration) $161,898 $0 $42,048
Stephen Fulchini (Vp Of Info Technology) $157,402 $0 $41,598
Brian Leary (Director Of Advanced Member Services) $155,321 $0 $26,352
Stephen Hile (Mortgage Loan Officer) $146,554 $0 $24,206
Frederick Williams (Cao, Controller) $140,688 $0 $39,255
Edward R Foley (Chairman) $11,250 $0 $133
Michael F Mccarthy (Director) $6,750 $0 $82
Gerard Burm (Treasurer) $5,625 $0 $82
Dennis J Siracusa (Secretary) $5,625 $0 $204
Winifred Bolter (Director) $3,375 $0 $51
William T Murphy (Director) $3,375 $0 $51
Eugene Leahy (Director) $0 $0 $82
Brian Adams (Director) $0 $0 $204
Edward Mccolgan (2 Nd Vice Chairman) $0 $0 $132
Thomas J Flynn (Director) $0 $0 $133
Patrick J Foley (Vice Chairman) $0 $0 $204
Robert B Foley Jr (Director) $0 $0 $204
Stephen J Kelley Sr (Director) $0 $0 $82
John J Leary (Director) $0 $0 $51
Robert J Mitchell (Director) $0 $0 $82
Sean Cashman (Director) $0 $0 $204
See filing for compensation of 1 other people →
+ View more people

Document Links

990
Filed on May 13, 2019

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$23,011,491
Expenses
$23,693,431
Net Income
-$681,940
Net Assets
$97,759,267
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $19,605,834
85.2%
Investment Income $3,367,577
14.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $38,080
0.2%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,867,828
12.1%
Professional Fundraising Fees $0
Other Salaries and Wages $5,311,455
22.4%
Assets/Debt
Total Assets $683,756,387
Total Liabilities $585,997,120
Net Assets $97,759,267
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Edward Lopes (President/Ceo) $431,098 $0 $37,577
Joel Keller (Cfo) $332,928 $0 $42,983
Brian Leary (Svp/Coo) $232,402 $0 $32,960
Stephen Fulchini (Vp Of Info Technology) $216,788 $0 $46,438
Peter Dennis (Svp Business Development) $212,198 $0 $46,157
Margie Murphy (Vp Mortgage Lending) $207,705 $0 $30,263
Paola Ferrara (Vp Operations) $174,293 $0 $41,717
Stephen Hile (Mortgage Loan Officer) $171,798 $0 $25,606
James Quinn (Svp Administration) $167,238 $0 $41,498
Tracy Hart (Consumer Loan Specialist) $157,346 $0 $39,458
Joseph Bean (Svp Finance & Lending Operations) $114,552 $0 $26,995
Michael F Mccarthy (Chairman) $18,000 $0 $82
Winifred Bolter (Secretary) $9,000 $0 $51
William T Murphy (Treasurer) $9,000 $0 $51
Gerard Burm (Director) $0 $0 $82
Eugene Leahy (Director) $0 $0 $82
Brian Adams (Director) $0 $0 $204
Edward Mccolgan (2 Nd Vice Chairman) $0 $0 $133
Thomas J Flynn (Director) $0 $0 $133
Edward R Foley (Director) $0 $0 $133
Patrick J Foley (Vice Chairman) $0 $0 $204
Robert B Foley Jr (Director) $0 $0 $204
Dennis J Siracusa (Director) $0 $0 $204
Stephen J Kelley Sr (Director) $0 $0 $82
John J Leary (Director) $0 $0 $51
See filing for compensation of 4 other people →
+ View more people

Document Links

990
Filed on April 17, 2018

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$22,918,411
Expenses
$21,216,603
Net Income
$1,701,808
Net Assets
$94,414,817
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $18,487,323
80.7%
Investment Income $3,529,691
15.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $901,397
3.9%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $3,278,553
15.5%
Professional Fundraising Fees $0
Other Salaries and Wages $4,132,585
19.5%
Assets/Debt
Total Assets $645,702,696
Total Liabilities $551,287,879
Net Assets $94,414,817
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Edward Lopes (President/Ceo) $436,392 $0 $53,583
Joel Keller (Evp/Ceo) $326,785 $0 $56,975
Peter Dennis (Svp Business Development) $193,161 $0 $42,754
Stephen Hile (Mortgage Loan Officer) $181,191 $0 $34,063
James Quinn (Svp Administration) $159,206 $0 $38,601
Brian Leary (Svp/Coo) $158,630 $0 $33,243
Frederick Williams (Controller) $137,970 $0 $35,856
Christopher Fleser (Mortgage Loan Officer) $137,317 $0 $35,199
Stephen Fulchini (Vp Of Info Mgmt) $134,747 $0 $36,453
George Kelly (Vp Finance & Risk) $129,894 $0 $35,539
James Carden (Vp Lending) $123,743 $0 $35,429
Jill Amato (Vp Director Corporate Communications) $118,930 $0 $27,830
George Richards (Vp Asset Liability Management) $108,003 $0 $32,538
Paola Ferrara (Vp Operations) $102,306 $0 $32,491
Tracy Hart (Consumer Loan Specialist) $101,465 $0 $32,372
Paul Gravellese (Vp Business Lending) $101,135 $0 $26,803
Michael F Mccarthy (Chairman) $18,000 $0 $82
Winifred Bolter (Secretary) $9,000 $0 $51
William T Murphy (Treasurer) $9,000 $0 $82
Gerard Burm (Director) $0 $0 $82
Eugene Leahy (Director) $0 $0 $82
William Patterson (Former Director) $0 $0 $41
Brian Adams (Director) $0 $0 $204
Edward Mccolgan (2 Nd Vice Chairman) $0 $0 $133
Thomas J Flynn (Director) $0 $0 $133
See filing for compensation of 8 other people →
+ View more people

Document Links

990
Filed on May 10, 2017

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,334,965
Expenses
$19,053,609
Net Income
$2,281,356
Net Assets
$94,550,108
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $14,251,256
66.8%
Investment Income $4,817,465
22.6%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $2,266,244
10.6%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,121,240
11.1%
Professional Fundraising Fees $0
Other Salaries and Wages $4,680,436
24.6%
Assets/Debt
Total Assets $652,832,418
Total Liabilities $558,282,310
Net Assets $94,550,108
Other
Reported conflict of interest transactions
Compensation
Key Employees and Officers Compensation Related Other
Edward Lopes (President/Ceo) $408,553 $0 $40,962
Joel Keller (Cfo) $311,673 $0 $43,427
James Quinn (Svp Administration) $157,367 $0 $32,490
Brian Leary (Svp/Coo) $154,215 $0 $22,209
Maria Costa (Svp Residential Lending) $151,029 $0 $30,783
James Carden (Vp Lending) $128,938 $0 $30,287
George Kelly (Vp Finance & Risk) $124,812 $0 $24,778
Stephen Fulchini (Vp Of Info Mgmt) $113,337 $0 $30,066
Stephen Hile (Mortgage Loan Officer) $107,978 $0 $17,875
Tracy Hart (Consumer Loan Specialist) $103,937 $0 $28,679
Rosa Rinaldi (Former Vp Of Consumer Lend) $20,661 $0 $0
Michael F Mccarthy (Chairman) $12,000 $0 $72
Patrick J Foley (Vice Chairman) $6,000 $0 $180
William T Murphy (Treasurer) $6,000 $0 $72
Kevin F Mccone (Director) $6,000 $0 $26
Edward Mccolgan (2 Nd Vice Chairman) $3,000 $0 $117
Winifred Bolter (Secretary) $2,250 $0 $45
Gerard Burm (Director) $0 $0 $117
Eugene Leahy (Director) $0 $0 $72
William Patterson (Director) $0 $0 $180
Brian Adams (Director) $0 $0 $180
Thomas J Flynn (Director) $0 $0 $117
Edward R Foley (Director) $0 $0 $117
Robert B Foley Jr (Director) $0 $0 $180
Dennis J Siracusa (Director) $0 $0 $180
See filing for compensation of 4 other people →
+ View more people

Document Links

990
Filed on March 31, 2016

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,824,893
Expenses
$18,966,491
Net Income
$1,858,402
Net Assets
$95,373,885
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,078,665
62.8%
Investment Income $6,071,310
29.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,674,918
8.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $2,502,484
13.2%
Professional Fundraising Fees $0
Other Salaries and Wages $3,489,180
18.4%
Assets/Debt
Total Assets $647,250,434
Total Liabilities $551,876,549
Net Assets $95,373,885
Compensation
Key Employees and Officers Compensation Related Other
Edward Lopes (President/Ceo) $340,925 $0 $34,268
Joel Keller (Cfo) $224,859 $0 $39,853
Jane Cella (Former Chief Operating Officer) $153,114 $0 $70,810
James Quinn (Svp Administration) $138,462 $0 $31,968
Brian Leary (Svp/Coo) $136,552 $0 $21,311
Rosa Rinaldi (Former Vp Of Consumer Lending) $132,135 $0 $19,498
Maria Costa (Svp Residential Lending) $122,253 $0 $23,667
Stephen Fulchini (Vp Of Info Mgmt) $110,821 $0 $28,968
James Carden (Vp Lending) $104,696 $0 $24,276
Kelly Amato (Vp Of Marketing) $100,617 $0 $27,919
Marguerite Murphy (Vp Mortgage) $97,269 $0 $16,966
George Richards (Vp Risk Management) $96,488 $0 $27,508
Paola Ferrara (Vp Member Services) $95,180 $0 $27,328
Paul Gravellese (Vp Business Solutions) $92,090 $0 $16,454
Debrah Lloyd (Vice President Controller) $53,630 $0 $22,223
George Kelly (Vp Finance & Risk) $25,060 $0 $7,491
Patrick J Foley (Bod Chairman) $18,000 $0 $153
Edward Mccolgan (Treasurer) $9,000 $0 $99
Kevin F Mccone (Secretary) $6,000 $0 $38
Stephen J Kelley Sr (Secretary) $3,000 $0 $99
Gerard Burm (Director) $0 $0 $99
Eugene Leahy (Director) $0 $0 $61
William Patterson (Director) $0 $0 $153
Brian Adams (Director) $0 $0 $153
Winifred Bolter (Director) $0 $0 $38
See filing for compensation of 9 other people →
+ View more people

Document Links

990
Filed on March 25, 2015

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$21,606,149
Expenses
$20,403,563
Net Income
$1,202,586
Net Assets
$91,755,932
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,284,977
70.7%
Investment Income $3,985,852
18.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $2,335,320
10.8%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,882,249
9.2%
Professional Fundraising Fees $0
Other Salaries and Wages $3,809,399
18.7%
Assets/Debt
Total Assets $625,216,376
Total Liabilities $533,460,444
Net Assets $91,755,932
Compensation
Key Employees and Officers Compensation Related Other
Jane Cella (Chief Operating Officer) $226,309 $0 $52,365
Edward Lopes (President/Ceo) $223,299 $0 $13,962
Stephen Fulchini (Vp Of Info Mgmt) $133,958 $0 $37,913
Rosa Rinaldi (Vp Of Consumer Lending) $133,239 $0 $27,298
Brian Leary (Vp Of Operations) $129,576 $0 $26,758
Debrah Lloyd (Controller) $125,772 $0 $36,307
Kelly Amato (Vp Of Marketing) $124,428 $0 $36,357
Kenneth Dyer (Former Chief Executive Officer) $117,119 $0 $11,124
Marguerite Murphy (Vp Mortgage) $106,077 $0 $22,693
Joel Keller (Cfo) $103,128 $0 $11,452
Paul Gravellese (Vp Business Solutions) $102,157 $0 $22,719
John Caulfield (Interim Cfo) $19,720 $0 $0
Patrick J Foley (Bod Chairman) $18,000 $0 $156
Edward Mccolgan (Treasurer) $9,000 $0 $156
Stephen J Kelley Sr (Secretary) $9,000 $0 $156
Gerard Burm (Director) $0 $0 $156
Eugene Leahy (Director) $0 $0 $156
William Patterson (Director) $0 $0 $156
Brian Adams (Director) $0 $0 $156
Winifred Bolter (Director) $0 $0 $78
Thomas J Flynn (Director) $0 $0 $156
Edward R Foley (Director) $0 $0 $156
Robert B Foley Jr (Director) $0 $0 $156
Dennis J Siracusa (Director) $0 $0 $156
John J Leary (Director) $0 $0 $78
See filing for compensation of 5 other people →
+ View more people

Document Links

990
Filed on April 12, 2014

Primary tax return for a nonprofit’s activities, finances, and governance

View Filing
PDF XML

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$20,453,026
Expenses
$24,042,881
Net Income
-$3,589,855
Net Assets
$92,717,519
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $15,705,664
76.8%
Investment Income $4,747,362
23.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,756,789
7.3%
Professional Fundraising Fees $0
Other Salaries and Wages $3,652,596
15.2%
Assets/Debt
Total Assets $623,527,288
Total Liabilities $530,809,769
Net Assets $92,717,519

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$23,181,184
Expenses
$24,829,169
Net Income
-$1,647,985
Net Assets
$96,637,094
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $16,617,133
71.7%
Investment Income $6,564,051
28.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $1,664,286
6.7%
Professional Fundraising Fees $0
Other Salaries and Wages $3,406,392
13.7%
Assets/Debt
Total Assets $644,704,320
Total Liabilities $548,067,226
Net Assets $96,637,094

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF
PDF (2 of 2)

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

990

Primary tax return for a nonprofit’s activities, finances, and governance

PDF

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

API

The data powering this website is available programmatically, via an API. Read the API documentation »

Byline

By Andrea Suozzo, Alec Glassford and Ash Ngu, ProPublica, and Brandon Roberts, Special to ProPublica.
Design by Jeff Frankl. Additional development by Ken Schwencke, Mike Tigas, and Sisi Wei.

E-file viewer adapted from IRS e-File Viewer by Ben Getson. Code for scraping audit documents adapated from Govwiki.

Updated