Civic Intelligence

Northwood Lake Watershed Association Inc

EIN 02-0465758 • 501(c)3 • Northwood, NH

Pub. 78 Eligible990-N Coverage

Profile

To preserve and protect the quality of northwood lake and its surroundings.

PO Box 152Northwood, NH 03261

www.northwoodlake.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

22nd percentile

-23%

Higher net margin than 22% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

47th percentile

-3.8%

Faster asset growth than 47% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

28th percentile

-28%

Faster revenue growth than 28% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$182,633

Down $7,293 (-3.8%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Down

$182,633

Down $7,293 (-3.8%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin22nd percentile

Revenue

Down

$31,682

Down $12,619 (-28%) from 2024

Expenses

Up

$38,975

Up $6,718 (+21%) from 2024

Net Income

Down

-$7,293

Down $19,337 (-161%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth47th percentile

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

$200K$150K$100K$50K$0Assets 2020: $98,110Net Assets 2020: $98,1102020Assets 2021: $111,973Liabilities 2021: $0Net Assets 2021: $111,9732021Assets 2022: $149,340Net Assets 2022: $149,3402022Assets 2023: $177,882Liabilities 2023: $0Net Assets 2023: $177,8822023Assets 2024: $189,926Net Assets 2024: $189,9262024Assets 2025: $182,633Net Assets 2025: $182,6332025

Highlighted filing

2025

Assets$182,633
Liabilities-
Net Assets$182,633
Open 2025 Filing

Operations Trend

Revenue Growth28th percentile

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

$100K$50K$0-$50KRevenue 2020: $76,556Expenses 2020: $39,236Net Income 2020: $37,3202020Revenue 2021: $66,643Expenses 2021: $52,780Net Income 2021: $13,8632021Revenue 2022: $51,347Expenses 2022: $13,979Net Income 2022: $37,3682022Revenue 2023: $74,307Expenses 2023: $45,766Net Income 2023: $28,5412023Revenue 2024: $44,301Expenses 2024: $32,257Net Income 2024: $12,0442024Revenue 2025: $31,682Expenses 2025: $38,975Net Income 2025: -$7,2932025

Highlighted filing

2025

Revenue$31,682
Expenses$38,975
Net Income-$7,293
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$182,633
Liabilities
-
Net assets
$182,633
Revenue
$31,682
Expenses
$38,975
Net income
-$7,293
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.83$1.83$0.32$0.39$0.07
2024Detailed filing. Detailed filing data is available for this year.$1.90$1.90$0.44$0.32$0.12
2023Detailed filing. Detailed filing data is available for this year.$1.78$0.00$1.78$0.74$0.46$0.29
2022Detailed filing. Detailed filing data is available for this year.$1.49$1.49$0.51$0.14$0.37
2021Detailed filing. Detailed filing data is available for this year.$1.12$0.00$1.12$0.67$0.53$0.14
2020Detailed filing. Detailed filing data is available for this year.$0.98$0.98$0.77$0.39$0.37
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Jan 29, 2026
Return Version
2025v4.0
Gross Receipts
$31,682
Mission and Program Overview

Mission

To preserve and protect the quality of northwood lake and its surroundings.

Program Services

DescriptionGrantsExpenses
TO PRESERVE AND PROTECT THE QUALITY OF NORTHWOOD LAKE AND ITS SURROUNDINGS.-$29,962
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
LINDA LOBAOTreasurer-$0--
MIKE COUMASDirector-$0--
BECKY MCCARTHYSecretary-$0--
MIKE MCCARTHYDirector-$0--
BRIAN LOBAOPresident-$0--
ROBERT POYOUROWVice-Preside-$0--
PAT DONAHUEMember-$0--
KATHLEEN MCHUGHMember-$0--
LARRY SIMPSONMember-$0--
Filing and Contact Details

Filer

Filer Name
Northwood Lake Watershed
EIN
02-0465758
Phone
9787642002
Address
PO BOX 152, NORTHWOOD, NH 03261

Signing Officer

Name
Brian Lobao
Title
President
Phone
9787642002
Signed
2026-01-29
Discuss with paid preparer
Yes

Preparer

Firm
Lynch Marini & Associates Inc
Address
41 W CENTRAL ST, NATICK, MA 01760
Preparer
Nicholas M Mcandrews CPA
Phone
5086500018
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses advertising 547 office expeses 183 insurance 1,020 lake treatment 27,588 event expenses 1,000 nh lakes annual donation 250 nh lakes partnership 300 legal fees 3,655 bank fees 396 subscriptions 1,666 loon preservation committ 250 total 36,855”

Raw XML Appendix161 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.

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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0LINDA LOBAO
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6MEMBER
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8MEMBER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt036855
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0TO PRESERVE AND PROTECT THE QUALITY OF NORTHWOOD LAKE AND ITS SURROUNDINGS.
IRS990EZ/PrintingPublicationsPostageAmt0574
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IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt029962
IRS990EZ/ProhibitedTaxShelterTransInd0false
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IRS990EZ/StatesWhereCopyOfReturnIsFldCd0NH
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt038975
IRS990EZ/TotalProgramServiceExpensesAmt029962
IRS990EZ/TotalRevenueAmt031682
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt066592
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IRS990ScheduleA/InvestmentIncomeCYPct00.04000
IRS990ScheduleA/InvestmentIncomePYPct00.03000
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES ADVERTISING 547 OFFICE EXPESES 183 INSURANCE 1,020 LAKE TREATMENT 27,588 EVENT EXPENSES 1,000 NH LAKES ANNUAL DONATION 250 NH LAKES PARTNERSHIP 300 LEGAL FEES 3,655 BANK FEES 396 SUBSCRIPTIONS 1,666 LOON PRESERVATION COMMITT 250 TOTAL 36,855
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BRIAN LOBAO
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09787642002
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-01-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTHWOOD LAKE WATERSHED
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ASSOCIATION INC
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0020465758
ReturnHeader/Filer/PhoneNum09787642002
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ReturnHeader/PreparerPersonGrp/PhoneNum05086500018
ReturnHeader/PreparerPersonGrp/PreparationDt02026-01-29
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0NICHOLAS M MCANDREWS CPA
ReturnHeader/ReturnTs02026-01-29T15:27:16-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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