Align Credit Union

Nonprofit profile at a glance

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

20 people listed

LYDIA VAZQUEZ (PRESIDENT AND CEO): $571,301 total reported compensation
CALEB SCHULTZ (CHIEF INFORMATION OFFICER & COO): $289,332 total reported compensation
ABBY DECOSTER (SVP-DEPOSIT OPERATIONS): $232,259 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Aligning our members and communities with financial tools to serve their needs.

Granting credit to members with various loan products.

Revenue model: Other-operating. 78% of the money available for current operations came from other operating revenue.
Distribution model: Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Consistency checks: 91.7%; rating input score 92; 9th percentile among comparable filings
Pay-setting controls: 3 of 6 controls in place; rating input score 50
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
Foreign activity oversight: Limited
Grant itemization coverage: Limited
Major donor itemization: Limited
Related-party transparency: Limited

Independent voting board: 90%; rating input score 90; 19th percentile among comparable filings
Governance controls: 8 of 9 controls in place; rating input score 89
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass

Operating margin: -17%; rating input score 4; 4th percentile among comparable filings
Total-asset coverage ratio: 18.22; rating input score 92; 92nd percentile among comparable filings
Liabilities to assets ratio: 0.94; rating input score 4; 4th percentile among comparable filings
Officer compensation ratio: 7.3%; rating input score 40; 40th percentile among comparable filings

Program expense growth: 6.1% per year; rating input score 100; 47th percentile among comparable filings
Revenue growth: 1.7% per year; rating input score 100; 13th percentile among comparable filings
Asset growth: 2.2% per year; rating input score 100; 14th percentile among comparable filings

Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
Governance: 9 of 10 board members independent · 8 of 9 filing controls reported
Programs: 3 filed program accomplishments
Leadership: top reported pay $571K · 20 people listed · 3 of 6 pay-setting controls reported
Highest-paid contractors: 5 contractors listed · $3.9M reported
Consistency: 13 of 13 current checks pass
Schedules: 3 filed schedules · includes executive pay
Filing history: 15 filing years from 2010 to 2025
Contacts: How to reach this organization
Money network: 11 filed money-flow records
Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
People: Everyone the filings name, and which of them the filings identify by more than a name.

Signals prioritize questions for review. They are not findings of misconduct.

High — Sustainability: Operating margin scored 4/100.
Review — Accountability: Governance controls: Form 990 shared with the board not reported.
High — Sustainability: Liabilities to assets ratio scored 4/100.
Moderate — Sustainability: Officer compensation ratio scored 40/100.