FALL RIVER MUNICIPAL CREDIT UNION

EIN: 041298900

FALL RIVER, MA

Total Revenue
$9,717,486
Total Expenses
$9,561,121
Total Assets
$282,970,513
Net Assets
$19,215,657
🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Sign In — Free (10 views/day)

Financial Trends

Organization Details

Formation Year
1930
Legal Domicile
MA
Principal Officer
MATTHEW G SCHONDEK
Phone
5086789028
Tax Period
2023-01-01 to 2023-12-31

FALL RIVER MUNICIPAL CREDIT UNION, founded in 1930, is a community nonprofit that reported $9.7M in total revenue in fiscal year 2023. Revenue surged 35% from the prior year, signaling strong growth momentum.

Mission

STRIVE TO PROVIDE A FULL RANGE OF QUALITY FINANCIAL SERVICES TO OUR MEMBERS, DELIVERED BY PROFESSIONAL AND MOTIVATED EMPLOYEES, WHILE MAINTAINING THE STABILITY AND SECURITY OF OUR MEMBERS AND THE CREDIT UNION.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Sign In — Free (10 views/day)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $7,515,458
Investment Income $2,202,028
Other Revenue $0
TOTAL REVENUE $9,717,486

Expense Breakdown

Grants Paid $11,915
Salaries & Benefits $3,207,066
Fundraising Expenses $0
Other Expenses $6,342,140
TOTAL EXPENSES $9,561,121

Year-over-Year Comparison

2023 2022 Change
Revenue $9,717,486 $7,203,621 +0.3%
Expenses $9,561,121 $6,407,076 +0.5%
Net Income $156,365 $796,545 -0.8%
Key Indicators
Grants to Organizations Grants to Individuals Lobbying Political Activity Foreign Activities Donor Advised Fund Schedule B Required
🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Sign In

Governance

Voting Members
11
Independent Members
11
Employees
66
Volunteers
12

Governance Policies

Conflict of Interest Policy
Whistleblower Policy
Document Retention Policy

Special Practices & Reported Activities

Operated a School
Operated a Hospital
Provided First Class Travel
Reported Conflict of Interest
Reported Asset Diversion
Excess Benefit Transaction
Made Political Expenditures
Engaged in Lobbying
Operated Donor Advised Fund
Maintained Art Collections
Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
7
$716,698
Total Directors
12
$15,744
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
RUSSELL OAGLES DIRECTOR 1.00
Director
$0 $0 $0
CARL SAWEJKO DIRECTOR 1.00
Director
$0 $0 $0
JAMES MACHADO TREASURER/DIRECTOR 1.00
Officer Director
$5,148 $0 $5,148
JANICE SANTOS DIRECTOR 1.00
Director
$0 $0 $0
CARL GARCIA CHAIRMAN 1.00
Officer Director
$5,448 $0 $5,448
MICHAEL L SHEA VICE CHAIR 1.00
Director
$0 $0 $0
RENEE HOWAYECK DIRECTOR 1.00
Director
$0 $0 $0
JOAN VASCONCELLOS CLERK 1.00
Officer Director
$5,148 $0 $5,148
SCOTT O'BRIEN DIRECTOR 1.00
Director
$0 $0 $0
JANICE CARRIGG DIRECTOR 1.00
Director
$0 $0 $0
CHRISTOPHER CARREIRO DIRECTOR 1.00
Director
$0 $0 $0
DAVID MACHADO TERM ENDED 4292023 DIRECTOR 1.00
Director
$0 $0 $0
MATTHEW SCHONDEK PRESIDENT/CEO 40.00
Officer
$275,380 $0 $275,380
MARYELLEN MEDEIROS EVP OF OPERATIONS 40.00
Officer
$162,358 $0 $162,358
JAMES MALONEY VICE PRESIDENT LENDING 40.00
Officer
$125,458 $0 $125,458
BRIEN MAGINNIS VICE PRESIDENT OF FINANCE 40.00
Officer
$137,758 $0 $137,758
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2024 No data No data No data No data
2023 $9,717,486 $9,561,121 $282,970,513 $156,365
2022 $7,203,621 $6,407,076 $244,625,881 $796,545
2021 $6,823,270 $6,447,620 $267,136,518 $375,650
2020 $7,970,095 $7,647,801 $249,530,910 $322,294
2019 $8,061,760 $7,654,534 $212,239,825 $407,226
2018 $8,141,486 $7,023,354 $209,635,929 $1,118,132
Explore More Nonprofits
Top 100 Nonprofits in Massachusetts Largest U.S. Nonprofits Best Rated Nonprofits Most Efficient Nonprofits

Compare FALL RIVER MUNICIPAL CREDIT UNION with other nonprofits in Massachusetts and across the country.