Civic Intelligence

Mass Bay Credit Union

EIN 04-1104060 • 501(c)14 • South Boston, MA

View Organization Page

Profile

A full service financial institution that strives to provide the highest level of service and personal attention to all of their members, while continually trying to expand and refine their products and service, offering to best meet their needs, at highly competitive rates and unsurpassed value.

147 West Fourth StreetSouth Boston, MA 02127

www.massbaycu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

42nd percentile

0.90x

Higher debt load relative to assets than 42% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Liabilities / Revenue

77th percentile

17.09x

Higher debt load relative to revenue than 77% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Net Margin

59th percentile

11%

Higher net margin than 59% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Top Officer Pay

46th percentile

$420,926

Higher top officer pay than 46% of similar nonprofits.

Top officer pay equals 2.2% of source-year revenue.

501(c)14 • $250M-$1B nonprofits • Source year 2025

Asset Growth

58th percentile

3.6%

Faster asset growth than 58% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Revenue Growth

9th percentile

-0.3%

Faster revenue growth than 9% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets42nd percentile

Assets

Up

$367,122,630

Up $12,901,910 (+3.6%) from 2024

Liabilities

Up

$328,761,380

Up $8,798,819 (+2.7%) from 2024

Net Assets

Up

$38,361,250

Up $4,103,091 (+12%) from 2024

Operations
Liabilities / Revenue77th percentileNet Margin59th percentile

Revenue

Down

$19,241,311

Down $65,404 (-0.3%) from 2024

Expenses

Down

$17,105,978

Down $493,286 (-2.8%) from 2024

Net Income

Up

$2,135,333

Up $427,882 (+25%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth58th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400M$300M$200M$100M$0Assets 2010: $184,708,226Liabilities 2010: $165,780,680Net Assets 2010: $18,927,5462010Assets 2011: $188,596,641Liabilities 2011: $169,223,909Net Assets 2011: $19,372,7322011Assets 2012: $196,387,769Liabilities 2012: $175,624,302Net Assets 2012: $20,763,4672012Assets 2013: $195,161,101Liabilities 2013: $174,550,424Net Assets 2013: $20,610,6772013Assets 2014: $207,350,724Liabilities 2014: $184,915,040Net Assets 2014: $22,435,6842014Assets 2015: $217,212,868Liabilities 2015: $194,803,079Net Assets 2015: $22,409,7892015Assets 2016: $235,878,396Liabilities 2016: $212,753,812Net Assets 2016: $23,124,5842016Assets 2017: $248,423,891Liabilities 2017: $224,079,848Net Assets 2017: $24,344,0432017Assets 2018: $246,838,769Liabilities 2018: $221,474,210Net Assets 2018: $25,364,5592018Assets 2019: $262,292,406Liabilities 2019: $235,148,407Net Assets 2019: $27,143,9992019Assets 2020: $273,919,531Liabilities 2020: $245,683,318Net Assets 2020: $28,236,2132020Assets 2021: $300,728,924Liabilities 2021: $270,763,298Net Assets 2021: $29,965,6262021Assets 2022: $324,262,478Liabilities 2022: $294,622,214Net Assets 2022: $29,640,2642022Assets 2023: $349,698,007Liabilities 2023: $316,837,559Net Assets 2023: $32,860,4482023Assets 2024: $354,220,720Liabilities 2024: $319,962,561Net Assets 2024: $34,258,1592024Assets 2025: $367,122,630Liabilities 2025: $328,761,380Net Assets 2025: $38,361,2502025

Highlighted filing

2025

Assets$367,122,630
Liabilities$328,761,380
Net Assets$38,361,250
Open 2025 Filing

Operations Trend

Revenue Growth9th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$20M$15M$10M$5.0M$0Expenses 2010: $9,651,2132010Revenue 2011: $10,331,585Expenses 2011: $9,635,443Net Income 2011: $696,1422011Revenue 2012: $10,408,309Expenses 2012: $9,335,952Net Income 2012: $1,072,3572012Revenue 2013: $10,299,066Expenses 2013: $9,508,840Net Income 2013: $790,2262013Revenue 2014: $10,017,185Expenses 2014: $9,178,153Net Income 2014: $839,0322014Revenue 2015: $10,050,787Expenses 2015: $9,367,822Net Income 2015: $682,9652015Revenue 2016: $10,722,084Expenses 2016: $9,890,019Net Income 2016: $832,0652016Revenue 2017: $11,392,876Expenses 2017: $10,490,364Net Income 2017: $902,5122017Revenue 2018: $12,308,919Expenses 2018: $11,259,877Net Income 2018: $1,049,0422018Revenue 2019: $12,727,608Expenses 2019: $11,117,352Net Income 2019: $1,610,2562019Revenue 2020: $11,362,568Expenses 2020: $10,787,213Net Income 2020: $575,3552020Revenue 2021: $12,109,797Expenses 2021: $9,763,481Net Income 2021: $2,346,3162021Revenue 2022: $13,969,003Expenses 2022: $9,769,261Net Income 2022: $4,199,7422022Revenue 2023: $16,486,383Expenses 2023: $13,978,307Net Income 2023: $2,508,0762023Revenue 2024: $19,306,715Expenses 2024: $17,599,264Net Income 2024: $1,707,4512024Revenue 2025: $19,241,311Expenses 2025: $17,105,978Net Income 2025: $2,135,3332025

Highlighted filing

2025

Revenue$19,241,311
Expenses$17,105,978
Net Income$2,135,333
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$367,122,630
Liabilities
$328,761,380
Net assets
$38,361,250
Revenue
$19,241,311
Expenses
$17,105,978
Net income
$2,135,333
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$367$329$38.4$19.2$17.1$2.14
2024Detailed filing. Detailed filing data is available for this year.$354$320$34.3$19.3$17.6$1.71
2023Detailed filing. Detailed filing data is available for this year.$350$317$32.9$16.5$14.0$2.51
2022Detailed filing. Detailed filing data is available for this year.$324$295$29.6$14.0$9.77$4.20
2021Detailed filing. Detailed filing data is available for this year.$301$271$30.0$12.1$9.76$2.35
2020Detailed filing. Detailed filing data is available for this year.$274$246$28.2$11.4$10.8$0.58
2019Detailed filing. Detailed filing data is available for this year.$262$235$27.1$12.7$11.1$1.61
2018Detailed filing. Detailed filing data is available for this year.$247$221$25.4$12.3$11.3$1.05
2017Detailed filing. Detailed filing data is available for this year.$248$224$24.3$11.4$10.5$0.90
2016Detailed filing. Detailed filing data is available for this year.$236$213$23.1$10.7$9.89$0.83
2015Detailed filing. Detailed filing data is available for this year.$217$195$22.4$10.1$9.37$0.68
2014Detailed filing. Detailed filing data is available for this year.$207$185$22.4$10.0$9.18$0.84
2013Detailed filing. Detailed filing data is available for this year.$195$175$20.6$10.3$9.51$0.79
2012Summary only. Only limited summary data is available for this year.$196$176$20.8$10.4$9.34$1.07
2011Summary only. Only limited summary data is available for this year.$189$169$19.4$10.3$9.64$0.70
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$185$166$18.9$9.65
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Apr 14, 2026
Return Version
2025v4.1
Gross Receipts
$19,241,311
Mission and Program Overview

Mission

A full service financial institution that strives to provide the highest level of service and personal attention to all of their members, while continually trying to expand and refine their products and service, offering to best meet their needs, at highly competitive rates and unsurpassed value.

Reference part iii, # 1 for full description of the organization's mission.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$295,017,118$306,724,174▲ $11,707,056
Rtn Earn Endowment Incm Other Fnds$34,258,159$38,361,250▲ $4,103,091
Investments in Publicly Traded Securities$26,530,250$24,025,725▼ $2,504,525
Cash and Non-Interest-Bearing Accounts$13,177,261$12,124,180▼ $1,053,081
Savings and Temporary Cash Investments$7,536,372$7,213,039▼ $323,333
Investments Other Securities$5,441,945$5,613,954▲ $172,009
Prepaid Expenses and Deferred Charges$315,153$5,584,654▲ $5,269,501
Land, Buildings, and Equipment, Net$4,366,745$4,069,599▼ $297,146
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$354,220,720$367,122,630▲ $12,901,910
Other Assets Total$1,835,876$1,767,305▼ $68,571
Liabilities
Other Liabilities$315,366,778$323,703,568▲ $8,336,790
Accounts Payable and Accrued Expenses$4,595,783$5,057,812▲ $462,029
Total Liabilities$319,962,561$328,761,380▲ $8,798,819
Net Assets / Fund Balance
Total Net Assets Fund Balance$34,258,159$38,361,250▲ $4,103,091
Total Liabilities and Net Assets / Fund Balance$354,220,720$367,122,630▲ $12,901,910

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,139,499$4,974,858-
Land$2,351,251--
Equipment$266,182$4,027,285-
Leasehold Improvements$312,667$802,735-
Compensation and Service Providers
Top Officer Pay46th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Theresa DorilasPresident & CEOFT$365,818$55,108$420,926
Kelli CullenCOOFT$204,027$62,680$266,707
Anthony BonomoCFOFT$197,581$38,921$236,502
Brian P DwyerTreasurer--$384$384
James G FlahertyDirector--$384$384
Jeremiah P AhernChairman of Board--$384$384
John KineavyDirector--$384$384
Kelley DurginDirector--$384$384
Krishaunna BaptisteDirector--$384$384
Michael T BuggyClerk--$384$384
William VietzeFirst Vice Chairperson--$384$384
Darren McauliffeAssistant Treasurer--$362$362
Kimberly a KennedySecond Vice Chairperson--$339$339
Joseph N MoscaDirector--$250$250
Michael E KeeleyDirector--$250$250
Maureen a CollinsDirector--$235$235

Highest Paid Contractors

ContractorServicesLocationCompensation
StrategisMarketing Services555 AMORY ST, Boston, MA 02130$147,613
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$17,873,383
Investment Income
$1,367,928
Other Revenue
$0
Change in Net Assets
$2,135,333

Audited Revenue Reconciliation

Revenue per Audited Statements
$19,241,311
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$19,241,311
Total Revenue per Form 990
$19,241,311
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$11,737,161
Salaries, Compensation, and Employee Benefits$5,368,817
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$6,601,200
Comp Disqual Persons---$3,083,123
Occupancy---$1,161,062
Current Officers, Directors, Trustees, and Key Employees---$928,643
Other Employee Benefits---$636,233
Depreciation Depletion---$431,497
Advertising---$420,000
Pension Plan Contributions---$388,086
Payroll Taxes---$332,732
Fees for Services Management---$154,350
Fees for Services Accounting---$135,050
Fees for Services Legal---$120,000
Conferences and Meetings---$106,852
Office Expenses---$86,840
Insurance---$70,865
Fees for Services Other---$41,200
Other Expenses---$30,000
All Other Expenses---$12,338
Total Functional Expenses$0$0$0$17,105,978

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$17,105,978
Total Expenses per Audited Statements$17,105,978
Total Expenses per Form 990$17,105,978
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits & Mortgage Escrows$253,680,568
Fhlb Borrowings$70,023,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Depositors with a minimum of $5 balance in their savings account. Members have voting rights which are limited to the annual meeting and any special meetings held due to charter changes, mergers,etc.”

Form 990, Part VI, Section A, Line 7A

“The board of directors are voted on by the members at the annual meeting.”

Form 990, Part VI, Section A, Line 7B

“Election of directors, charter changes and mergers require a vote by the members. Only members that attend the annual meeting or special meeting are required to vote.”

Form 990, Part VI, Section B, Line 11B

“Management reviews the form 990 and provides copy to the audit committee.”

Form 990, Part VI, Section B, Line 12C

“This is monitored by the credit union ensuring that the organization is not using vendors that any board member works for or are affiliated with.”

Form 990, Part VI, Section B, Line 15

“The credit union obtains comparison studies and salary surveys and uses independent consultants in determining the compensation of the ceo and senior management of the credit union.”

Form 990, Part VI, Section C, Line 19

“The credit union's call report and financial information is available through the ncua website. Privacy policies are stated on the mass bay credit union website.”

Filing and Contact Details

Filer

Filer Name
Mass Bay Credit Union
EIN
04-1104060
Phone
6172692700
Address
147 WEST FOURTH STREET, SOUTH BOSTON, MA 02127

Signing Officer

Name
Theresa Dorilas
Title
CEO
Phone
6172692700
Signed
2026-04-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Theresa Dorilas
Formed
1936
Legal Domicile
Ma
Voting Board Members
13
Independent Board Members
13
Employees
65
Volunteers
13

Preparer

Firm
Gerald T Reilly & Company
Address
424 ADAMS STREET, MILTON, MA 02186
Preparer
Jayme F Moore CPA
Phone
6176968900
Raw XML AppendixShowing 400 of 535 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/ActivityOrMissionDesc0REFERENCE PART III, # 1 FOR FULL DESCRIPTION OF THE ORGANIZATION'S MISSION.
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IRS990/Form990PartVIISectionAGrp/TitleTxt2CFO
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IRS990/Form990PartVIISectionAGrp/TitleTxt5SECOND VICE CHAIRPERSON
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IRS990/Form990PartVIISectionAGrp/TitleTxt8CLERK
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt125619
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt223334
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt137061
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt215587
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0THERESA DORILAS
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm1KELLI CULLEN
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm2ANTHONY BONOMO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT & CEO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt1COO
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt2CFO
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt1266707
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt2236502

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