everyledgerAn index of 679,731 U.S. nonprofits · computed from public IRS filings · current through 2024

Align Credit Union

Lowell, MA / EIN 04-1680140 / Form 990 / latest filing 2023
Operating record · U.S. dollars
Fiscal yearRevenueExpensesNetReserve mo.Staff %
201123,654,69823,261,619393,07935.626%
201223,565,39822,195,6071,369,79139.228%
201322,178,55421,722,886455,66834.230%
201420,963,94020,755,084208,85638.732%
201521,778,25020,558,3271,219,92340.133%
201622,012,73821,244,163768,57537.734%
201723,484,06622,234,7391,249,32737.233%
201824,664,77623,986,410678,36633.433%
201927,329,26125,413,1251,916,13635.432%
202028,709,87126,990,5151,719,35636.433%
202124,193,74823,783,699410,04937.738%
202224,433,94224,024,186409,75617.737%
202327,908,27131,391,959−3,483,68814.429%

In its most recent public year (2023), this organization spent $3,483,688 more than it brought in. Its reserves stood at about 14.4 months of spending, down from 35.6 in 2011. Staff pay was 29% of spending.

Reserve months = net assets ÷ average monthly spending; net assets count everything the organization owns beyond its debts — buildings and donor-restricted funds included, not just cash. Staff pay = salaries, wages, and officer compensation; it excludes benefits and payroll taxes. The IRS releases this data years after the fact — this organization's newest public year is 2023. Years refer to the calendar year in which the organization's fiscal year ended. Short-form filers do not publicly report donor-restricted balances or staffing costs. Source filings

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