Civic Intelligence

Community Credit Union of Lynn

EIN 04-2207787 • 501(c)14 • Lynn, MA

View Organization Page

Profile

Credit union member service/thrift

1 Andrew StreetLynn, MA 01901

www.myccu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

97th percentile

0.94x

Higher debt load relative to assets than 97% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Liabilities / Revenue

63rd percentile

16.17x

Higher debt load relative to revenue than 63% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Net Margin

3rd percentile

-9.9%

Higher net margin than 3% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Top Officer Pay

67th percentile

$278,323

Higher top officer pay than 67% of similar nonprofits.

Top officer pay equals 2.6% of source-year revenue.

501(c)14 • $100M-$250M nonprofits • Source year 2025

Asset Growth

82nd percentile

7.2%

Faster asset growth than 82% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Revenue Growth

21st percentile

6.4%

Faster revenue growth than 21% of similar nonprofits.

501(c)14 • $100M-$250M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$181,306,806

Up $12,160,095 (+7.2%) from 2024

Liabilities

Up

$170,316,694

Up $12,219,354 (+7.7%) from 2024

Net Assets

Down

$10,990,112

Down $59,259 (-0.5%) from 2024

Operations
Liabilities / Revenue63rd percentileNet Margin3rd percentile

Revenue

Up

$10,530,274

Up $635,092 (+6.4%) from 2024

Expenses

Up

$11,577,745

Up $503,662 (+4.5%) from 2024

Net Income

Up

-$1,047,471

Up $131,430 (+11%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth82nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$200M$150M$100M$50M$0Assets 2010: $129,751,710Liabilities 2010: $115,192,836Net Assets 2010: $14,558,8742010Assets 2011: $134,346,628Liabilities 2011: $119,080,139Net Assets 2011: $15,266,4892011Assets 2012: $128,687,329Liabilities 2012: $112,587,060Net Assets 2012: $16,100,2692012Assets 2013: $128,848,126Liabilities 2013: $112,308,752Net Assets 2013: $16,539,3742013Assets 2014: $130,945,808Liabilities 2014: $113,610,817Net Assets 2014: $17,334,9912014Assets 2015: $135,150,930Liabilities 2015: $117,457,372Net Assets 2015: $17,693,5582015Assets 2016: $141,330,603Liabilities 2016: $124,174,905Net Assets 2016: $17,155,6982016Assets 2017: $144,841,046Liabilities 2017: $128,452,610Net Assets 2017: $16,388,4362017Assets 2018: $146,213,606Liabilities 2018: $130,161,779Net Assets 2018: $16,051,8272018Assets 2019: $152,118,432Liabilities 2019: $135,537,807Net Assets 2019: $16,580,6252019Assets 2020: $153,450,360Liabilities 2020: $137,495,159Net Assets 2020: $15,955,2012020Assets 2021: $151,832,457Liabilities 2021: $136,718,260Net Assets 2021: $15,114,1972021Assets 2022: $150,226,990Liabilities 2022: $138,124,652Net Assets 2022: $12,102,3382022Assets 2023: $157,375,837Liabilities 2023: $145,110,655Net Assets 2023: $12,265,1822023Assets 2024: $169,146,711Liabilities 2024: $158,097,340Net Assets 2024: $11,049,3712024Assets 2025: $181,306,806Liabilities 2025: $170,316,694Net Assets 2025: $10,990,1122025

Highlighted filing

2025

Assets$181,306,806
Liabilities$170,316,694
Net Assets$10,990,112
Open 2025 Filing

Operations Trend

Revenue Growth21st percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$15M$10M$5.0M$0-$5.0MExpenses 2010: $6,057,1892010Expenses 2011: $5,713,8082011Expenses 2012: $5,540,1552012Revenue 2013: $5,827,963Expenses 2013: $5,225,956Net Income 2013: $602,0072013Revenue 2014: $6,508,097Expenses 2014: $5,794,637Net Income 2014: $713,4602014Revenue 2015: $7,206,422Expenses 2015: $6,789,035Net Income 2015: $417,3872015Revenue 2016: $6,532,457Expenses 2016: $7,070,317Net Income 2016: -$537,8602016Revenue 2017: $7,315,438Expenses 2017: $7,984,355Net Income 2017: -$668,9172017Revenue 2018: $7,459,413Expenses 2018: $7,674,033Net Income 2018: -$214,6202018Revenue 2019: $8,514,669Expenses 2019: $8,239,131Net Income 2019: $275,5382019Revenue 2020: $7,372,512Expenses 2020: $8,057,486Net Income 2020: -$684,9742020Revenue 2021: $6,481,422Expenses 2021: $6,938,292Net Income 2021: -$456,8702021Revenue 2022: $6,221,241Expenses 2022: $6,621,336Net Income 2022: -$400,0952022Revenue 2023: $9,172,273Expenses 2023: $9,066,697Net Income 2023: $105,5762023Revenue 2024: $9,895,182Expenses 2024: $11,074,083Net Income 2024: -$1,178,9012024Revenue 2025: $10,530,274Expenses 2025: $11,577,745Net Income 2025: -$1,047,4712025

Highlighted filing

2025

Revenue$10,530,274
Expenses$11,577,745
Net Income-$1,047,471
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$181,306,806
Liabilities
$170,316,694
Net assets
$10,990,112
Revenue
$10,530,274
Expenses
$11,577,745
Net income
-$1,047,471
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$181$170$11.0$10.5$11.6$1.05
2024Detailed filing. Detailed filing data is available for this year.$169$158$11.0$9.90$11.1$1.18
2023Detailed filing. Detailed filing data is available for this year.$157$145$12.3$9.17$9.07$0.11
2022Detailed filing. Detailed filing data is available for this year.$150$138$12.1$6.22$6.62$0.40
2021Detailed filing. Detailed filing data is available for this year.$152$137$15.1$6.48$6.94$0.46
2020Detailed filing. Detailed filing data is available for this year.$153$137$16.0$7.37$8.06$0.68
2019Detailed filing. Detailed filing data is available for this year.$152$136$16.6$8.51$8.24$0.28
2018Detailed filing. Detailed filing data is available for this year.$146$130$16.1$7.46$7.67$0.21
2017Detailed filing. Detailed filing data is available for this year.$145$128$16.4$7.32$7.98$0.67
2016Detailed filing. Detailed filing data is available for this year.$141$124$17.2$6.53$7.07$0.54
2015Detailed filing. Detailed filing data is available for this year.$135$117$17.7$7.21$6.79$0.42
2014Detailed filing. Detailed filing data is available for this year.$131$114$17.3$6.51$5.79$0.71
2013Detailed filing. Detailed filing data is available for this year.$129$112$16.5$5.83$5.23$0.60
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$129$113$16.1$5.54
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$134$119$15.3$5.71
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$130$115$14.6$6.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 25, 2026
Return Version
2025v4.0
Gross Receipts
$10,530,274
Mission and Program Overview

Mission

Credit union member service/thrift

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$127,845,605$140,984,443▲ $13,138,838
Investments in Publicly Traded Securities$31,154,726$27,059,654▼ $4,095,072
Rtn Earn Endowment Incm Other Fnds$11,049,371$10,990,112▼ $59,259
Land, Buildings, and Equipment, Net$3,064,552$2,917,790▼ $146,762
Savings and Temporary Cash Investments$1,443,011$2,753,388▲ $1,310,377
Cash and Non-Interest-Bearing Accounts$1,247,282$1,516,778▲ $269,496
Receivables From Officers Etc$725,105$722,361▼ $2,744
Total Assets$169,146,711$181,306,806▲ $12,160,095
Other Assets Total$3,666,430$5,352,392▲ $1,685,962
Liabilities
Other Liabilities$140,097,340$156,316,694▲ $16,219,354
Mortgage Notes Payable Secured by Investment Property$18,000,000$14,000,000▼ $4,000,000
Total Liabilities$158,097,340$170,316,694▲ $12,219,354
Net Assets / Fund Balance
Total Net Assets Fund Balance$11,049,371$10,990,112▼ $59,259
Total Liabilities and Net Assets / Fund Balance$169,146,711$181,306,806▲ $12,160,095

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,471,686$1,515,273$2,986,959
Land$1,446,104-$1,446,104
Compensation and Service Providers
Top Officer Pay67th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Nicholas SarantopoulosCEOFT$278,323$278,323

Board Members and Trustees

NameTitle
Emanuel FrangiadakisDirector
Jeremy HmuraDirector
John DemakesDirector
John MeklisDirector
Peter KatsosDirector
Thomas LdemakesDirector
William MantzoukasDirector
Pasquale LafraziaCFO
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$8,262,121
Investment Income
$2,268,153
Other Revenue
$0
Change in Net Assets
$-1,047,471

Audited Revenue Reconciliation

Revenue per Audited Statements
$10,530,274
Total Revenue per Audited Statements
$10,530,274
Total Revenue per Form 990
$10,530,274
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$8,503,372
Salaries, Compensation, and Employee Benefits$3,074,373
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest$4,132,865--$4,132,865
Other Salaries and Wages-$2,246,185-$2,246,185
All Other Expenses-$629,719-$629,719
Occupancy-$569,640-$569,640
Fees for Services Accounting-$531,330-$531,330
Other Expenses-$335,240-$335,240
Current Officers, Directors, Trustees, and Key Employees-$278,323-$278,323
Payroll Taxes-$258,972-$258,972
Advertising-$232,530-$232,530
Other Employee Benefits-$207,827-$207,827
Office Expenses-$134,997-$134,997
Fees for Services Legal-$97,214-$97,214
Insurance-$91,262-$91,262
Pension Plan Contributions-$83,066-$83,066
Travel-$35,061-$35,061
Total Functional Expenses$4,132,865$7,444,880$0$11,577,745

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$11,577,745
Total Expenses per Audited Statements$11,577,745
Total Expenses per Form 990$11,577,745
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$725,105$722,361▼ $2,744
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Share & Deposits$153,695,819
Other Liabilities$2,620,875
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

“Members elect the governing body”

Form 990, Page 6, Part VI, Line 7B

“Decisions approved by members”

Form 990, Page 6, Part VI, Line 11B

“A copy of form 990 is available to be reviewed by any member of the board of directors before filing of the form.”

Form 990, Page 6, Part VI, Line 12C

“All the policies are enforced”

Form 990, Page 6, Part VI, Line 15A

“All salaries are approved by the board”

Form 990, Page 6, Part VI, Line 15B

“All salaries are approved by the board”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Community Credit Union of Lynn
EIN
04-2207787
Phone
7815980820
Address
1 ANDREW STREET, LYNN, MA 01901

Signing Officer

Name
Nicholas Sarantopoulos
Title
CEO
Phone
7815980820
Signed
2026-02-25
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Nicholas Sarantopoulos
Formed
1955
Legal Domicile
Ma
Voting Board Members
9
Independent Board Members
9
Employees
35

Preparer

Firm
Demakis Inc CPA
Address
56 CENTRAL AVENUE SUITE 301, LYNN, MA 01901-1190
Preparer
A Demakis
Phone
7815926120
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Maintenance of member share and deposit accounts and the payment of interest thereon”

Raw XML Appendix399 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MAINTENANCE OF MEMBER SHARE AND DEPOSIT ACCOUNTS AND THE PAYMENT OF INTEREST THEREON
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS ELECT THE GOVERNING BODY
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DECISIONS APPROVED BY MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A COPY OF FORM 990 IS AVAILABLE TO BE REVIEWED BY ANY MEMBER OF THE BOARD OF DIRECTORS BEFORE FILING OF THE FORM.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL THE POLICIES ARE ENFORCED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ALL SALARIES ARE APPROVED BY THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6ALL SALARIES ARE APPROVED BY THE BOARD
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NO DOCUMENTS AVAILABLE TO THE PUBLIC
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0PEABODY
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IRS990/WebsiteAddressTxt0WWW.MYCCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0NICHOLAS SARANTOPOULOS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum07815980820
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0COMMUNITY CREDIT UNION OF LYNN
ReturnHeader/Filer/BusinessNameControlTxt0COMM
ReturnHeader/Filer/EIN0042207787
ReturnHeader/Filer/PhoneNum07815980820
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ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0823447701
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DEMAKIS INC CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt056 CENTRAL AVENUE SUITE 301
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0LYNN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0019011190
ReturnHeader/PreparerPersonGrp/PhoneNum07815926120
ReturnHeader/PreparerPersonGrp/PreparationDt02026-02-25
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0A DEMAKIS
ReturnHeader/ReturnTs02026-02-27T10:51:41-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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