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LIBERTY BAY CREDIT UNION

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Public IRS 990 nonprofit record

LIBERTY BAY CREDIT UNION

EIN 04-1896000 · Public & Societal Benefit (W61Z)

What they do

LIBERTY BAY CREDIT UNION EXISTS to BE A RESPONSIBLE and RELEVANT FINANCIAL PARTNER to ITS MEMBERS, EMPLOYEES, and THE COMMUNITIES THAT IT SERVES.

Before you give

Should I give to this charity?

Easy charity check
We do not have enough spending detail

Basic public information is available, but it is not enough to judge how well donations are used. Ask the charity for a current spending breakdown and results.

Plain answer: A tax form cannot prove that a charity is doing good. It can show how the charity says it spent its money—and point out questions you should ask.

Basic facts we verified

IRS warning checkNo IRS revocation warning appears in this data.

Money report from 2025The charity has a recent tax report to read.

They explain their jobThe charity tells us what it is trying to do.

They name their leaders25 people are listed in the latest report.

You can reach themThey list contact information, so you can ask questions.

Money made simple

$88.96spent for every $100 of revenueRevenue covered expenses this year.
$22.55in assets for every $1 spent this yearSome assets cannot be spent right away.

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  1. Who did you help? Ask for a recent story or report that shows real results.
  2. What will my money do? Ask exactly what your gift will pay for.
  3. Is this really the charity? Give only through its official website or confirmed phone number.

Pay context: The highest compensation shown in this filing is $565,303 for JOHN BARRON (PRESIDENT & CEO). Compare pay with organizations of similar size and complexity.

Bottom line: Do not decide from a name, mission statement, or tax status alone. Look at where the money went, then ask what changed, who was helped, and what your gift will do. YouCanGiveBack does not endorse or grade organizations.

Money

Financial picture

Tax year 2025

A plain-language look at the latest Form 990 figures available. These numbers help you ask better questions; they do not, by themselves, rate whether a charity is good or bad.

Money in and money out

Revenue$40,864,966
Expenses$36,352,311
Annual surplus $4,512,655 Revenue was higher than expenses for this filing year.
See all reported dollar amounts
Revenue$40,864,966
Expenses$36,352,311
Assets$819,637,288
Income$40,864,966
Stocks and bonds$126,895,565
Accounting fees$123,690
People

Leadership and board

Tax year 2025

Names, titles, time, and compensation below are reported by the organization on its Form 990.

People reported as paid

Person and titleCompensation
JOHN BARRONPRESIDENT & CEO · 40 hrs/week $565,303Base $520,942 · Other $44,361
FREDERICK WILLIAMSSVP & CHIEF FINANCIAL OFFI · 40 hrs/week $318,437Base $260,522 · Other $57,915
MARK CONSTABLECHIEF COMPLIANCE & CRA OFF · 40 hrs/week $314,549Base $256,757 · Other $57,792
JOSEPH BEARSSVP & CIO · 40 hrs/week $300,087Base $241,275 · Other $58,812
BRENDA MCGILLICUDDYSVP PEOPLE OPERATIONS · 40 hrs/week $298,265Base $240,239 · Other $58,026
PAUL GRAVELLESESVP & SENIOR LENDING OFFIC · 40 hrs/week $296,987Base $241,558 · Other $55,429
CAROL SHOUGHROWVP DEPOSIT OPERATIONS · 40 hrs/week $220,677Base $171,587 · Other $49,090
MICHAEL BAKERCONTROLLER · 40 hrs/week $206,336Base $158,508 · Other $47,828
MARGUERITE MURPHYVP MORTGAGE · 40 hrs/week $195,979Base $165,931 · Other $30,048
WILLIAM SPRAGUEVP NETWORK ADMIN · 40 hrs/week $161,290Base $135,054 · Other $26,236
MARIA DIBENEDETTOVP HUMAN RESOURCES · 40 hrs/week $159,323Base $132,041 · Other $27,282
MARCIA LYONSANALYTICS ENGINEER · 40 hrs/week $77,079Base $64,480 · Other $12,599

Compensation alone does not tell whether pay is reasonable. Consider the charity’s size, work, location, and results.

See everyone listed on the board or leadership roster (25)

JOHN BARRONPRESIDENT & CEO

FREDERICK WILLIAMSSVP & CHIEF FINANCIAL OFFI

MARK CONSTABLECHIEF COMPLIANCE & CRA OFF

JOSEPH BEARSSVP & CIO

BRENDA MCGILLICUDDYSVP PEOPLE OPERATIONS

PAUL GRAVELLESESVP & SENIOR LENDING OFFIC

CAROL SHOUGHROWVP DEPOSIT OPERATIONS

MICHAEL BAKERCONTROLLER

MARGUERITE MURPHYVP MORTGAGE

WILLIAM SPRAGUEVP NETWORK ADMIN

MARIA DIBENEDETTOVP HUMAN RESOURCES

MARCIA LYONSANALYTICS ENGINEER

SEAN CASHMANCHAIRMAN

PATRICK J FOLEYTREASURER

EUGENE LEAHYSECRETARY

ROBERT B FOLEY JRDIRECTOR

MICHAEL F MCCARTHYDIRECTOR

EDWARD MCCOLGANDIRECTOR

PETER LINCOLNDIRECTOR

ROBERT J MITCHELLDIRECTOR

EDWARD R FOLEYDIRECTOR

STEPHEN J KELLEY SRDIRECTOR

THOMAS J FLYNNDIRECTOR

WILLIAM MURPHYDIRECTOR

GERARD BURMDIRECTOR

About this charity

Recognized since
January 1937
Location
300 GRANITE STREET, BRAINTREE, MA 02184-3909
County
Norfolk
In care of
% GEORGE KELLY
Primary officer
FREDERICK WILLIAMS, SVP, CHIEF FINANCIAL OFFICER

How to reach them

Filing and classification

Latest tax year
2025
Tax period began
January 1, 2025
Return type
990
Tax preparer
GERALD T REILLY & COMPANY
NTEE classification
Public & Societal Benefit (W61Z)

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About this report: Information comes from public nonprofit records and may show the latest filing available.

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