ACCESS CREDIT UNION (EIN 237237052) - 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

1972

Legal Domicile

Principal Officer

Stephen Cordisco

Phone

2157880411

Tax Period

2025-01-01 to 2025-12-31

ACCESS CREDIT UNION, founded in 1972, is a community nonprofit in the Public & Societal Benefit sector that reported $3.6M in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $569K, a strong 16% operating margin.

Mission

To provide financial services to members at a reduced or no cost

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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 $2,306,391

Investment Income $1,304,104

Other Revenue $0

TOTAL REVENUE $3,610,495

Expense Breakdown

Grants Paid $0

Salaries & Benefits $812,277

Fundraising Expenses $0

Program Expenses $0

Other Expenses $2,229,355

TOTAL EXPENSES $3,041,632

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,610,495	$3,244,126	+0.1%
Expenses	$3,041,632	$2,854,430	+0.1%
Net Income	$568,863	$389,696	+0.5%

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

$252,235

Total Directors

$252,235

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Stephen Cordisco	CEO	40	Officer Director Highest	$163,558	$0	$163,558
John Doyle	Controller	40	Officer Director	$88,677	$0	$88,677
Kevin Backstrom	Director	1	Director	$0	$0	$0
Maxine Kunyczka	Director	1	Director	$0	$0	$0
Peter Faight	Chairman	1	Director	$0	$0	$0
Scott Harris	Director	1	Director	$0	$0	$0
Frank Marino	Director	1	Director	$0	$0	$0
Anthony Pinto	Director	1	Director	$0	$0	$0
Kevin Frake	Vice Chairman	1	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	$3,610,495	$3,041,632	$67,529,646	$568,863
2024	$3,244,126	$2,854,430	$64,526,794	$389,696
2023	$2,572,890	$2,249,671	$58,906,188	$323,219
2022	$2,181,259	$1,915,078	$54,132,845	$266,181
2021	$2,045,987	$1,891,519	$55,138,901	$154,468
2020	$2,041,019	$1,822,413	$53,550,056	$218,606

ACCESS CREDIT UNION