Nonprofit · EIN 04-1853650
ALLTRUST CREDIT UNION
Tax-exempt · FAIRHAVEN, MA 02719
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $13,675,131 | $17,464,949 | -$3,789,818 | $293,497,499 | $268,295,644 | $25,201,855 |
| December 31, 2024 | 990 | $14,999,875 | $16,290,560 | -$1,290,685 | $315,022,278 | $286,231,785 | $28,790,493 |
| December 31, 2023 | 990 | $14,866,095 | $14,935,599 | -$69,504 | $326,560,591 | $296,658,975 | $29,901,616 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $11,268,798
- Investment income
- $2,215,943
- Other revenue
- $190,390
Expenses
- Grants and similar amounts paid
- $21,975
- Compensation of officers, directors and key employees
- $761,095
- Other salaries and wages
- $2,921,937
- Salaries, compensation and benefits (total)
- $4,570,348
- Professional fundraising fees
- $0
- Legal fees
- $59,713
- Accounting fees
- $132,714
- Occupancy
- $721,593
- Depreciation
- $841,306
Balance sheet and other
- Total assets, start of year
- $315,022,278
- Total assets, end of year
- $293,497,499
- Total liabilities, end of year
- $268,295,644
- Net assets, end of year
- $25,201,855
- Land, buildings and equipment
- $7,196,100
- Publicly traded securities
- $5,485,296
- Gross unrelated business income
- $26,300
- Gross receipts
- $13,675,131
- Employees
- 53
- Volunteers
- 9
- Year formed
- 1922
- State of legal domicile
- MA
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CARMEN F SYLVESTER | PRESIDENT & CEO Officer | 40 | $337,831 | $36,236 |
| SHARON MEDEIROS | CHIEF FINANCIAL OFFICER Officer | 40 | $186,015 | $31,775 |
| KIMBERLY TRAHAN | SR. VICE PRESIDENT HR Highest-paid employee | 40 | $156,555 | $6,838 |
| SUSAN ST PIERRE | VICE PRESIDENT IT Highest-paid employee | 40 | $140,001 | $20,363 |
| STEPHANIE MEDEIROS | VICE PRESIDENT OPERATIONS Highest-paid employee | 40 | $126,135 | $29,420 |
| SHANON DUBOIS | VP, RETAIL LENDING OPERATI Highest-paid employee | 40 | $123,449 | $29,492 |
| SUZANNE CATRAIO | VICE PRESIDENT OF MARKETIN Highest-paid employee | 40 | $117,275 | $13,215 |
| MICHAEL S GAGO | FORMER CHIEF LENDING OFFICER Officer | 40 | $80,142 | $2,292 |
| KRISTEN SNIEZEK | CHAIR Trustee or director, Officer | 3 | $11,500 | $0 |
| RICHARD ELLIS | CLERK/TREASURER Trustee or director, Officer | 3 | $5,000 | $0 |
| CHARLES MURPHY | 2ND VICE CHAIR Trustee or director, Officer | 3 | $0 | $0 |
| DAVID S DARMOFAL | DIRECTOR Trustee or director | 3 | $0 | $0 |
| MARK SYLVIA | DIRECTOR Trustee or director | 3 | $0 | $0 |
| PAMELA BOURGAULT | 1ST VICE CHAIR Trustee or director, Officer | 3 | $0 | $0 |
| PAUL SYLVIA | DIRECTOR Trustee or director | 3 | $0 | $0 |
2 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| CHRISTOPHER HILLER | ASST. CLERK/TREASURER Trustee or director, Officer | 3 | $0 |
| JUSTIN BOULEY | DIRECTOR Trustee or director | 3 | $0 |
990 for the year ended December 31, 2024: 17 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CARMEN F SYLVESTER | PRESIDENT & CEO Officer | 40 | $338,148 | $33,879 |
| MICHAEL S GAGO | CHIEF LENDING OFFICER Officer | 40 | $306,652 | $4,792 |
| SHARON MEDEIROS | CHIEF FINANCIAL OFFICER Officer | 40 | $173,229 | $29,046 |
| SHANON DUBOIS | VP, RETAIL LENDING OPERATI Highest-paid employee | 40 | $122,270 | $27,108 |
| SUSAN ST PIERRE | VICE PRESIDENT IT Highest-paid employee | 40 | $134,691 | $13,607 |
| STEPHANIE MEDEIROS | VICE PRESIDENT OPERATIONS Highest-paid employee | 40 | $119,797 | $27,016 |
| KIMBERLY TRAHAN | SR. VICE PRESIDENT HR Highest-paid employee | 40 | $138,948 | $6,265 |
| SUZANNE CATRAIO | VICE PRESIDENT OF MARKETING Highest-paid employee | 40 | $111,997 | $12,196 |
| MARK SYLVIA | CHAIRMAN Trustee or director, Officer | 3 | $11,500 | $0 |
| RICHARD ELLIS | CLERK/TREASURER Trustee or director, Officer | 3 | $5,000 | $0 |
| CHARLES MURPHY | ASST. CLERK/TREASURER Trustee or director, Officer | 3 | $0 | $0 |
| DAVID S DARMOFAL | DIRECTOR Trustee or director | 3 | $0 | $0 |
| KRISTEN SNIEZEK | 2ND VICE CHAIR Trustee or director, Officer | 3 | $0 | $0 |
| PAMELA BOURGAULT | 1ST VICE CHAIR Trustee or director, Officer | 3 | $0 | $0 |
| PAUL SYLVIA | DIRECTOR Trustee or director | 3 | $0 | $0 |
| CHRISTOPHER HILLER | DIRECTOR Trustee or director | 3 | $0 | $0 |
| WILLIAM KEEGAN | DIRECTOR Trustee or director | 3 | $0 | $0 |
990 for the year ended December 31, 2023: 18 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| CARMEN F SYLVESTER | PRESIDENT & CEO Officer | 40 | $351,954 | $151,399 |
| MICHAEL S GAGO | CHIEF LENDING OFFICER Officer | 40 | $220,375 | $4,687 |
| LOREN SARNO | COMMERCIAL LOAN OFFICER Highest-paid employee | 40 | $150,683 | $18,367 |
| STEPHANIE MEDEIROS | VICE PRESIDENT OPERATIONS Highest-paid employee | 40 | $125,933 | $24,981 |
| KIMBERLY TRAHAN | SR. VICE PRESIDENT HR Highest-paid employee | 40 | $145,037 | $4,986 |
| SUSAN ST PIERRE | VICE PRESIDENT IT Highest-paid employee | 40 | $136,986 | $11,406 |
| SHANON DUBOIS | VP, RETAIL LENDING OPERATIONS Highest-paid employee | 40 | $120,989 | $25,081 |
| SHARON MEDEIROS AS OF 42423 | CHIEF FINANCIAL OFFICER Officer | 40 | $115,124 | $18,289 |
| MARK SYLVIA | CHAIRMAN Trustee or director, Officer | 3 | $11,500 | $0 |
| RICHARD ELLIS | CLERK/TREASURER Trustee or director, Officer | 3 | $5,000 | $0 |
| ALFRED J PECCINI | DIRECTOR Trustee or director | 3 | $0 | $0 |
| CHARLES MURPHY | ASST. CLERK/TREASURER Trustee or director, Officer | 3 | $0 | $0 |
| DAVID S DARMOFAL | DIRECTOR Trustee or director | 3 | $0 | $0 |
| KRISTEN SNIEZEK | 2ND VICE CHAIR Trustee or director, Officer | 3 | $0 | $0 |
| PAMELA BOURGAULT | 1ST VICE CHAIR Trustee or director, Officer | 3 | $0 | $0 |
| PAUL SYLVIA | DIRECTOR Trustee or director | 3 | $0 | $0 |
| CHRISTOPHER HILLER | DIRECTOR Trustee or director | 3 | $0 | $0 |
| WILLIAM KEEGAN | DIRECTOR Trustee or director | 3 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 123 ALDEN RD, FAIRHAVEN, MA 02719-4733
- In care of
- % JACKIE BOBOLA
- Principal officer (990 for 2025)
- SHARON MEDEIROS, 123 ALDEN ROAD, FAIRHAVEN, MA 02719
- Signed the 990
- SHARON MEDEIROS, CFO
- Phone
- (508) 994-9971
- Website
- ALLTRUSTCU.ORG
- Return prepared by
- GERALD T REILLY & COMPANY
Mission
CREDIT UNION - THRIFT SERVICES
Program accomplishments
- MAINTENANCE OF MEMBERS' DEPOSIT AND LOAN ACCOUNTS. NUMBER OF DEPOSIT ACCOUNTS IS 25,211. NUMBER OF LOAN ACCOUNTS IS 2,276. SCHOLARSHIPS AWARDED TO QUALIFYING APPLICANTS - MEMBERS/MEMBERS' FAMILY.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 04-1853650
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1934
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $293,497,499
- Income (IRS master file)
- $13,675,131
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $13,675,131 | $17,464,949 | $293,497,499 | IRS |
| 990 | December 2024 | $14,999,875 | $16,290,560 | $315,022,278 | IRS |
| 990 | December 2023 | $14,866,095 | $14,935,599 | $326,560,591 | XML |
| 990 | December 2022 | $12,729,044 | $12,437,070 | $345,809,637 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 04-1853650).
Questions about ALLTRUST CREDIT UNION
- What is the EIN of ALLTRUST CREDIT UNION?
- The employer identification number (EIN) of ALLTRUST CREDIT UNION is 04-1853650.
- Is ALLTRUST CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1934.
- Are donations to ALLTRUST CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does ALLTRUST CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of ALLTRUST CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did ALLTRUST CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who is the principal officer of ALLTRUST CREDIT UNION?
- The 990 for the year ended December 31, 2025 names SHARON MEDEIROS.
- Who are the officers and directors of ALLTRUST CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 17 people; 10 received compensation from the organization, the highest $337,831 (CARMEN F SYLVESTER, PRESIDENT & CEO).
- How much revenue does ALLTRUST CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $13,675,131, expenses of $17,464,949 and total assets of $293,497,499 at year end.
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