COMMUNITY CREDIT UNION OF LYNN (EIN 042207787) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1955

Legal Domicile

Principal Officer

NICHOLAS SARANTOPOULOS

Phone

7815980820

Tax Period

2025-01-01 to 2025-12-31

COMMUNITY CREDIT UNION OF LYNN, founded in 1955, is a mid-sized nonprofit that reported $10.5M in total revenue in fiscal year 2025.

Mission

CREDIT UNION MEMBER SERVICE/THRIFT

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Trantor Score

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

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

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $8,262,121

Investment Income $2,268,153

Other Revenue $0

TOTAL REVENUE $10,530,274

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,074,373

Fundraising Expenses $0

Program Expenses $4,132,865

Other Expenses $8,503,372

TOTAL EXPENSES $11,577,745

Year-over-Year Comparison

	2025	2024	Change
Revenue	$10,530,274	$9,895,182	+0.1%
Expenses	$11,577,745	$11,074,083	+0.0%
Net Income	$-1,047,471	$-1,178,901	-0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

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

Financial Distress Indicator

Liquidity & Cash Position

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

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

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

$278,323

Total Directors

$278,323

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NICHOLAS SARANTOPOULOS	CEO	40.00	Officer Director	$278,323	$0	$278,323
JOHN DEMAKES	DIRECTOR	N/A	Director	$0	$0	$0
EMANUEL FRANGIADAKIS	DIRECTOR	N/A	Director	$0	$0	$0
JEREMY HMURA	DIRECTOR	N/A	Director	$0	$0	$0
PETER KATSOS	DIRECTOR	N/A	Director	$0	$0	$0
THOMAS LDEMAKES	DIRECTOR	N/A	Director	$0	$0	$0
PASQUALE LAFRAZIA	CFO	N/A	Officer Director	$0	$0	$0
WILLIAM MANTZOUKAS	DIRECTOR	N/A	Director	$0	$0	$0
JOHN MEKLIS	DIRECTOR	N/A	Director	$0	$0	$0

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	$10,530,274	$11,577,745	$181,306,806	$-1,047,471
2024	$9,895,182	$11,074,083	$169,146,711	$-1,178,901
2023	$9,172,273	$9,066,697	$157,375,837	$105,576
2022	$6,221,241	$6,621,336	$150,226,990	$-400,095
2021	$6,481,422	$6,938,292	$151,832,457	$-456,870
2020	$7,372,512	$8,057,486	$153,450,360	$-684,974
2019	$8,514,669	$8,239,131	$152,118,432	$275,538
2018	$7,459,413	$7,674,033	$146,213,606	$-214,620

COMMUNITY CREDIT UNION OF LYNN