LOVERS LANE CREDIT UNION (EIN 436041925) - 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

1956

Legal Domicile

Principal Officer

ROGER ROBBINS

Phone

8163644000

Tax Period

2025-01-01 to 2025-12-31

LOVERS LANE CREDIT UNION, founded in 1956, is a small nonprofit that reported $544K in total revenue in fiscal year 2025. Expenses of $634K exceeded revenue, resulting in a 17% operating deficit.

Mission

FINANCIAL SERVICES TO MEMBERS

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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 $536,237

Investment Income $0

Other Revenue $8,058

TOTAL REVENUE $544,295

Expense Breakdown

Grants Paid $0

Salaries & Benefits $126,628

Fundraising Expenses $0

Program Expenses $410,567

Other Expenses $507,861

TOTAL EXPENSES $634,489

Year-over-Year Comparison

	2025	2024	Change
Revenue	$544,295	$532,585	+0.0%
Expenses	$634,489	$484,246	+0.3%
Net Income	$-90,194	$48,339	-2.9%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CINDY KELING	DIRECTOR	0.00	Director	$0	$0	$0
WILLIAM EDDINS Jr	CHAIRMAN	0.00	Director	$0	$0	$0
PAM DROZD	DIRECTOR	0.00	Director	$0	$0	$0
SABRINA DENTON	DIRECTOR	0.00	Director	$0	$0	$0
TRACY MCCREA	ASST MGR	32.00	Director	$0	$0	$0
ROGER ROBBINS	MANAGER	40.00	Officer	$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	$544,295	$634,489	$7,478,626	$-90,194
2024	$532,585	$484,246	$7,903,975	$48,339
2023	$521,548	$450,917	$7,959,132	$70,631
2022	$468,410	$410,717	$8,802,367	$57,693
2021	$457,794	$395,436	$7,986,352	$62,358
2020	$456,808	$399,066	$7,807,539	$57,742
2019	$476,681	$418,181	$7,192,932	$58,500
2018	$429,494	$375,728	$6,718,005	$53,766

LOVERS LANE CREDIT UNION