ALL ONE CREDIT UNION

🔒

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

Financial Trends

Organization Details

Formation Year

1954

Legal Domicile

Principal Officer

BARBARA MAHONEY

Phone

9785378021

Tax Period

2024-10-01 to 2025-09-30

ALL ONE CREDIT UNION, founded in 1954, is a mid-sized nonprofit that reported $47.7M in total revenue in fiscal year 2024.

Mission

ALL ONE CREDIT UNION IS A COMMUNITY-BASED FINANCIAL SERVICES PROVIDER. WE EXIST TO FULFILL OUR MEMBERS' FINANCIAL NEEDS THROUGH OUTSTANDING SERVICE AND EFFECTIVE TECHNOLOGY. AS A RESPONSIBLE CORPORATE CITIZEN, WE ARE COMMITTED TO ENRICHING THE COMMUNITIES IN WHICH WE LIVE AND WORK.

Program Service Accomplishments

Program 1

TO SERVE OUR MEMBERS, OUR HIGHEST EXPENSE IS INTEREST PAID ON CERTIFICATES OF DEPOSIT. AT YEAR-END, ALL ONE CREDIT UNION HAD 36,759 MEMBERS, AND INTEREST PAID ON CERTIFICATES OF DEPOSIT TOTALED...

TO SERVE OUR MEMBERS, OUR HIGHEST EXPENSE IS INTEREST PAID ON CERTIFICATES OF DEPOSIT. AT YEAR-END, ALL ONE CREDIT UNION HAD 36,759 MEMBERS, AND INTEREST PAID ON CERTIFICATES OF DEPOSIT TOTALED $10,497,920.

Program 2

OUR SECOND HIGHEST EXPENSE IS INTEREST PAID ON INDIVIDUAL RETIREMENT ACCOUNTS FOR OUR MEMBERS. AT YEAR-END, ALL ONE CREDIT UNION HAD 36,759 MEMBERS, AND INTEREST PAID ON MONEY MARKET ACCOUNTS TOTALED...

Program 3

OUR THIRD HIGHEST EXPENSE IS INTEREST PAID ON MONEY MARKET ACCOUNTS FOR OUR MEMBERS. AT YEAR-END, ALL ONE CREDIT UNION HAD 36,759 MEMBERS, AND INTEREST PAID ON MONEY MARKET ACCOUNTS TOTALED $514,340.

🔒

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%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $38,872,972

Investment Income $8,237,441

Other Revenue $576,315

TOTAL REVENUE $47,686,728

Expense Breakdown

Grants Paid $220,521

Salaries & Benefits $14,016,379

Fundraising Expenses $0

Other Expenses $32,241,229

TOTAL EXPENSES $46,478,129

Year-over-Year Comparison

	2024	2023	Change
Revenue	$47,686,728	$48,418,246	0.0%
Expenses	$46,478,129	$46,950,220	0.0%
Net Income	$1,208,599	$1,468,026	-0.2%

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

Governance

Voting Members

Independent Members

Employees

178

Volunteers

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

$927,067

Total Directors

$75,542

Key Employees

$295,870

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT DELLECHIAIE	TREASURER	1.00	Officer Director	$13,278	$0	$13,278
MARC DOHAN	DIRECTOR	1.00	Director	$558	$0	$558
GIULIO GRECO	ASSISTANT TREASURER	1.00	Officer Director	$11,695	$0	$11,695
JOYCE LEGER	VICE CHAIRMAN	1.00	Officer Director	$7,532	$0	$7,532
JOSEPH QUINTAL	CLERK	1.00	Officer Director	$12,160	$0	$12,160
JOHN W REEDY	DIRECTOR	1.00	Director	$11,037	$0	$11,037
MICHAEL SAUVAGEAU	CHAIRMAN	2.00	Officer Director	$8,928	$0	$8,928
RICHARD SHEPPARD	DIRECTOR	1.00	Director	$10,354	$0	$10,354
ADILSON LIMA	DIRECTOR	1.00	Director	$0	$0	$0
BARBARA MAHONEY	PRESIDENT/CEO	40.00	Officer	$506,703	$41,963	$548,666
JOSEPH NORMANT	SVP/CFO	40.00	Officer	$298,958	$25,850	$324,808
CRAIG MADONIA	SVP LENDING	40.00	Key Emp	$241,703	$54,167	$295,870
KATIE NAJJAR	SVP CHIEF MEMBER EXPERIENCE OFFICER	40.00	Highest	$226,749	$81,770	$308,519
MYCHELLE PHILLIPS	SVP OPERATIONS & IT	40.00	Highest	$223,031	$42,247	$265,278
ELLEN COUGHLIN	SVP HR & DEVELOPMENT	40.00	Highest	$184,463	$51,968	$236,431
KELLI ROONEY	SVP MARKETING & COMMUNITY ENGAGEMENT	40.00	Highest	$201,360	$16,739	$218,099
ANDREW LEBLANC	VP INFORMATION TECHNOLOGY	40.00	Highest	$139,166	$11,672	$150,838

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
2025	$47,686,728	$46,478,129	$876,836,066	$1,208,599
2024	$48,418,246	$46,950,220	$915,908,349	$1,468,026
2023	$40,678,234	$38,607,870	$905,439,366	$2,070,364
2022	$30,384,917	$28,230,141	$864,317,243	$2,154,776
2021	$30,410,755	$28,035,594	$813,719,349	$2,375,161
2020	$30,838,004	$28,667,683	$758,422,591	$2,170,321
2019	$32,064,375	$29,200,236	$722,764,775	$2,864,139
2018	$28,975,861	$26,196,247	$706,304,393	$2,779,614