CRYSTAL COMMUNITY CLUB INC (EIN 042444810) - 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

1900

Legal Domicile

Phone

3392034830

Tax Period

2025-01-01 to 2025-12-31

CRYSTAL COMMUNITY CLUB INC, founded in 1900, is a micro nonprofit that reported $51K in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. Expenses of $64K exceeded revenue, resulting in a 25% operating deficit.

Mission

PROMOTION OF COMMUNITY SERVICE

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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 $8,175

Program Service Revenue $0

Investment Income $4,253

Other Revenue $38,510

TOTAL REVENUE $50,938

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $63,922

TOTAL EXPENSES $63,922

Year-over-Year Comparison

	2025	2024	Change
Revenue	$50,938	$56,090	-0.1%
Expenses	$63,922	$58,716	+0.1%
Net Income	$-12,984	$-2,626	+3.9%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN LOPES	PRESIDENT	6.00	Director	$0	$0	$0
JAMES HORNE	TREASURER	10.00	Director	$0	$0	$0
STEVEN LOWRY	VP	10.00	Director	$0	$0	$0
NABIL NAKHOUL	DIRECTOR	2.00	Director	$0	$0	$0
RAYMOND SANDERSON	DIRECTOR	2.00	Director	$0	$0	$0
FRED BRIZZE	DIRECTOR	2.00	Director	$0	$0	$0
JOHN DOTO	DIRECTOR	2.00	Director	$0	$0	$0
CHRIS NARONE	DIRECTOR	2.00	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	$50,938	$63,922	$128,752	$-12,984
2024	$56,090	$58,716	$140,736	$-2,626
2023	$36,379	$57,858	$143,362	$-21,479
2022	$36,060	$58,343	$166,899	$-22,283
2021	$36,769	$45,445	$129,747	$-8,676
2020	$-18,904	$55,015	$140,920	$-73,919

CRYSTAL COMMUNITY CLUB INC