CHRISTIAN COMMUNITY SERVICE OF NORTH READING INC (EIN 042777124) - 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

1986

Legal Domicile

Phone

9782760040

Tax Period

2025-01-01 to 2025-12-31

CHRISTIAN COMMUNITY SERVICE OF NORTH READING INC, founded in 1986, is a small nonprofit in the Community Improvement sector that reported $155K in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $40K, a strong 26% operating margin.

Mission

TO AID COMMUNITY HOUSEHOLDS WITH EMERGENCY LIVING EXPENSES INCLUDING FOOD, HEAT, HOUSING AND TRANSPORTATION

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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 $139,559

Program Service Revenue $0

Investment Income $15,146

Other Revenue $0

TOTAL REVENUE $154,705

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $75,949

Other Expenses $115,152

TOTAL EXPENSES $115,152

Year-over-Year Comparison

	2025	2024	Change
Revenue	$154,705	$139,323	+0.1%
Expenses	$115,152	$106,245	+0.1%
Net Income	$39,553	$33,078	+0.2%

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

N/A

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	Reportable Comp	Other Comp	Total
STACEY DICARLO	SECRETARY	N/A	$0	$0	$0
TERESA SANPHY	PANTRY CO-CHAIR	N/A	$0	$0	$0
BONNIE WALLACE	PANTRY CO-CHAIR	N/A	$0	$0	$0
RENEE M BIANCHI	CLIENT SERVICES	N/A	$0	$0	$0
PENNY ESPOSITO	SPACIAL EVENTS	N/A	$0	$0	$0
CAROL S HUSDON	TREASURER	N/A	$0	$0	$0
KATE ARANIZ	YOUTH SERVICES	N/A	$0	$0	$0
KENNETH CARPENTER	FACILITIES MAINTENANCE	N/A	$0	$0	$0
ERIN LANCIANA	YOUTH SERVICES	N/A	$0	$0	$0
JENNIFER PAGLIUCA	COMMUNICATIONS	N/A	$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	$154,705	$115,152	$564,579	$39,553
2024	No data	No data	No data	No data
2023	$143,692	$133,684	$491,948	$10,008
2022	$129,457	$96,733	$481,462	$32,724
2021	$155,760	$86,369	$448,738	$69,391
2021	$155,760	$86,369	$469,713	$69,391
2020	$330,359	$273,674	$400,322	$56,685

CHRISTIAN COMMUNITY SERVICE OF NORTH READING INC