Civic Intelligence

North Shore Chamber of Commerce Inc

EIN 04-1087160 • 501(c)6 • Beverly, MA

View Organization Page

Profile

The north shore chamber of commerce works to promote business and improve the economic environment of the region north of boston.

500 Cummings CenterBeverly, MA 01915-6510

www.northshorechamber.org

Siviq Scores

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

Liabilities / Assets

91st percentile

0.64x

Higher debt load relative to assets than 91% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

56th percentile

0.21x

Higher debt load relative to revenue than 56% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Net Margin

47th percentile

3.5%

Higher net margin than 47% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

82nd percentile

$260,505

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 25.7% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Asset Growth

6th percentile

-23%

Faster asset growth than 6% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

28th percentile

-1.8%

Faster revenue growth than 28% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets91st percentile

Assets

Down

$323,777

Down $98,476 (-23%) from 2024

Liabilities

Down

$208,681

Down $135,318 (-39%) from 2024

Net Assets

Up

$115,096

Up $36,842 (+47%) from 2024

Operations
Liabilities / Revenue56th percentileNet Margin47th percentile

Revenue

Down

$1,012,466

Down $18,717 (-1.8%) from 2024

Expenses

Down

$976,605

Down $31,697 (-3.1%) from 2024

Net Income

Up

$35,861

Up $12,980 (+57%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth6th percentile

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

$800K$600K$400K$200K$0Assets 2011: $715,862Liabilities 2011: $0Net Assets 2011: $715,8622011Assets 2012: $693,891Liabilities 2012: $0Net Assets 2012: $693,8912012Assets 2013: $677,437Liabilities 2013: $0Net Assets 2013: $677,4372013Assets 2014: $674,126Liabilities 2014: $0Net Assets 2014: $674,1262014Assets 2015: $630,241Liabilities 2015: $0Net Assets 2015: $630,2412015Assets 2016: $595,021Liabilities 2016: $0Net Assets 2016: $595,0212016Assets 2017: $578,056Liabilities 2017: $0Net Assets 2017: $578,0562017Assets 2018: $555,702Liabilities 2018: $0Net Assets 2018: $555,7022018Assets 2019: $477,113Liabilities 2019: $0Net Assets 2019: $477,1132019Assets 2020: $392,738Liabilities 2020: $81,250Net Assets 2020: $311,4882020Assets 2021: $236,280Liabilities 2021: $86,319Net Assets 2021: $149,9612021Assets 2022: $184,956Liabilities 2022: $51,203Net Assets 2022: $133,7532022Assets 2023: $435,364Liabilities 2023: $393,929Net Assets 2023: $41,4352023Assets 2024: $422,253Liabilities 2024: $343,999Net Assets 2024: $78,2542024Assets 2025: $323,777Liabilities 2025: $208,681Net Assets 2025: $115,0962025

Highlighted filing

2025

Assets$323,777
Liabilities$208,681
Net Assets$115,096
Open 2025 Filing

Operations Trend

Revenue Growth28th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $754,161Expenses 2011: $734,821Net Income 2011: $19,3402011Revenue 2012: $707,806Expenses 2012: $743,198Net Income 2012: -$35,3922012Revenue 2013: $682,262Expenses 2013: $682,520Net Income 2013: -$2582013Revenue 2014: $676,162Expenses 2014: $684,638Net Income 2014: -$8,4762014Revenue 2015: $652,285Expenses 2015: $682,515Net Income 2015: -$30,2302015Revenue 2016: $655,613Expenses 2016: $715,018Net Income 2016: -$59,4052016Revenue 2017: $667,434Expenses 2017: $706,088Net Income 2017: -$38,6542017Revenue 2018: $692,061Expenses 2018: $711,143Net Income 2018: -$19,0822018Revenue 2019: $635,833Expenses 2019: $725,122Net Income 2019: -$89,2892019Revenue 2020: $500,274Expenses 2020: $674,309Net Income 2020: -$174,0352020Revenue 2021: $720,223Expenses 2021: $846,575Net Income 2021: -$126,3522021Revenue 2022: $947,935Expenses 2022: $928,599Net Income 2022: $19,3362022Revenue 2023: $1,091,707Expenses 2023: $1,193,125Net Income 2023: -$101,4182023Revenue 2024: $1,031,183Expenses 2024: $1,008,302Net Income 2024: $22,8812024Revenue 2025: $1,012,466Expenses 2025: $976,605Net Income 2025: $35,8612025

Highlighted filing

2025

Revenue$1,012,466
Expenses$976,605
Net Income$35,861
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$323,777
Liabilities
$208,681
Net assets
$115,096
Revenue
$1,012,466
Expenses
$976,605
Net income
$35,861
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.32$0.21$0.12$1.01$0.98$0.04
2024Detailed filing. Detailed filing data is available for this year.$0.42$0.34$0.08$1.03$1.01$0.02
2023Detailed filing. Detailed filing data is available for this year.$0.44$0.39$0.04$1.09$1.19$0.10
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.18$0.05$0.13$0.95$0.93$0.02
2021Detailed filing. Detailed filing data is available for this year.$0.24$0.09$0.15$0.72$0.85$0.13
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.39$0.08$0.31$0.50$0.67$0.17
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.48$0.00$0.48$0.64$0.73$0.09
2018Summary only. Only limited summary data is available for this year.$0.56$0.00$0.56$0.69$0.71$0.02
2017Summary only. Only limited summary data is available for this year.$0.58$0.00$0.58$0.67$0.71$0.04
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.60$0.00$0.60$0.66$0.72$0.06
2015Summary only. Only limited summary data is available for this year.$0.63$0.00$0.63$0.65$0.68$0.03
2014Summary only. Only limited summary data is available for this year.$0.67$0.00$0.67$0.68$0.68$0.01
2013Summary only. Only limited summary data is available for this year.$0.68$0.00$0.68$0.68$0.68$0.00
2012Summary only. Only limited summary data is available for this year.$0.69$0.00$0.69$0.71$0.74$0.04
2011Summary only. Only limited summary data is available for this year.$0.72$0.00$0.72$0.75$0.73$0.02
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Dec 16, 2025
Return Version
2024v5.2
Gross Receipts
$1,075,129
Mission and Program Overview

Mission

The north shore chamber of commerce is dedicated to actively shaping public policy and events so that decisions made by business and government result in an improved economy and quality of life for the region.

The north shore chamber of commerce works to promote business and improve the economic environment of the region north of boston.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$111,389$119,263▲ $7,874
Cash and Non-Interest-Bearing Accounts$62,348$14,113▼ $48,235
Land, Buildings, and Equipment, Net$4,044$7,358▲ $3,314
Total Assets$417,103$323,777▼ $93,326
Other Assets Total$239,322$183,043▼ $56,279
Liabilities
Other Liabilities$233,725$179,009▼ $54,716
Mortgage Notes Payable Secured by Investment Property$43,000$0▼ $43,000
Unsecured Notes Loans Payable$67,207$29,612▼ $37,595
Accounts Payable and Accrued Expenses$67$60▼ $7
Total Liabilities$343,999$208,681▼ $135,318
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$73,104$115,096▲ $41,992
Total Net Assets Fund Balance$73,104$115,096▲ $41,992
Total Liabilities and Net Assets / Fund Balance$417,103$323,777▼ $93,326

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$6,026$55,516$61,542
Equipment$1,332$41,925$43,257
Land$0--
Other Assets Org$10,000--
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karen E Andreas--$211,595$61,003$272,598
Karen E AndreasPresidentFT$226,640$33,865$260,505

Board Members and Trustees

NameTitle
John ColucciChair-elect
Joseph RileyChairman
Darren AmblerImmediate Past Chair
Bernadette ButterfieldDirector
Bradley SmallDirector
Carolyn CampotDirector
Daniel BrothersDirector
Darcia TremblayDirector
David EidleDirector
David MoralesDirector
Dennis CataldoDirector
Derek DavoliDirector
Douglas ThorpeDirector
George CareyDirector
Glenn Boutchie JrDirector
Greg KlemmerDirector
Hannah GinleyDirector
Heidi RiccioDirector
Jay ConnollyDirector
Jeffrey DohertyDirector
Jo Ann SimonsDirector
John HalseyDirector
John IngsDirector
John KeenanDirector
Jonathan OfilosDirector
Joseph CorrentiDirector
Kathleen WalshDirector
Laura SwansonDirector
Lawrence ZabarDirector
Lloyd HammDirector
Marc WhittakerDirector
Mary Anne ClancyDirector
Maryann LevasseurDirector
Max BergeronDirector
Michael HarringtonDirector
Nicholas HarronDirector
Robert C DrakeDirector
Robert PellegriniDirector
Robert RudolphDirector
SHEREE O'REILLYDirector
Samanda MoralesDirector
Sarah DucottDirector
Stephen JohnsonDirector
Susan GriffinDirector
Thomas SandsDirector
Thomas WheelerDirector
William FariaDirector
William HeinemanDirector
Patricia BeckwithClerk
Karen NascembeniDirecor
Paul KurkerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$305,865
Program Service Revenue
$605,320
Investment Income
$2,746
Other Revenue
$98,535
Change in Net Assets
$35,861
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$615,413
Other Expenses$361,192
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$0$0$0$257,316
Other Salaries and Wages$0$0$0$229,059
Occupancy$0$0$0$75,358
Other Employee Benefits$0$0$0$55,796
Payroll Taxes$0$0$0$43,784
Office Expenses$0$0$0$38,376
Pension Plan Contributions$0$0$0$29,458
Information Technology$0$0$0$17,116
Interest$0$0$0$9,531
Insurance$0$0$0$8,599
Fees for Services Other$0$0$0$8,144
Fees for Services Accounting$0$0$0$6,900
Depreciation Depletion$0$0$0$2,996
Travel$0$0$0$2,858
Fees for Service Investment Mgmnt Fees$0$0$0$1,002
Conferences and Meetings$0$0$0$592
Other Expenses$0$0$0$479
Fees for Services Legal$0$0$0$316
Total Functional Expenses$0$0$0$976,605
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
In-house lobbying only
Yes
Subject to proxy tax
Yes
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Long-term Operating Lease Liability$179,009
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
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
No
Management duties delegated
No
Filing and Contact Details

Filer

Filer Name
North Shore Chamber of Commerce Inc
EIN
04-1087160
Phone
9787748565
Address
500 CUMMINGS CENTER, BEVERLY, MA 01915-6510

Signing Officer

Name
Paul K Kurker
Title
Treasurer
Phone
9787748565
Signed
2025-12-16
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Karen E Andreas
Formed
1918
Legal Domicile
Ma
Voting Board Members
50
Independent Board Members
48
Employees
8
Volunteers
100

Preparer

Firm
Bernard Johnson & Company Pc
Address
15 MAIN STREET, TOPSFIELD, MA 01983
Preparer
Timothy F Hagan CPA
Phone
9788872220
Supplemental Narrative

Additional Explanations

Pt VI, Line 19

“Nscc makes its governing documents and financial statements available to the general public upon written request.”

Pt VI, Line 11B

“The finance committee and nscc management review and approve the filing of the form 990”

Pt VI, Line 12C

“Any director, principal officer, or member of a committee with governing board-delegated powers, having a direct or indirect financial interest, is an interested person. An interested person must disclose an actual or potential known conflict of interest to the governing board which will hear the conflict of interest and all relevant facts and decide upon its resolution by majority vote whether the transaction or arrangement is in the nsccs best interest, for its own benefit, and whether it is fair and reasonable.”

Pt VI, Line 15A

“The executive committee determines the compensation for the executive employees and key members of management.”

Pt VI, Line 6

“Nscc has a membership comprised of individuals, firms, associations and corporations commonly interested in the industrial, commercial or financial well-being of the nscc or who desire to develop the greater economical prosperity of the region or who desire to preserve and promote any of the objectives of the nscc.”

Pt VI, Line 7A

“Every active nscc member in good standing is entitled to one vote in any election, referendum or meeting.”

Pt VI, Line 15B

“He president determines the compensation for all other administrative employees.”

Pt VI, Line 2

“David morales and samanda morales are spouses.”

Financial Statement Notes

Pt X, Line 2

“Management has evaluated its tax positions applying a more likely than not standard, and believes there are no material uncertainties in income taxes.”

Raw XML AppendixShowing 400 of 803 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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IRS990/ActivityOrMissionDesc0THE NORTH SHORE CHAMBER OF COMMERCE WORKS TO PROMOTE BUSINESS AND IMPROVE THE ECONOMIC ENVIRONMENT OF THE REGION NORTH OF BOSTON.
IRS990/AnnualDisclosureCoveredPrsnInd0true
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IRS990/Desc0The North Shore Chamber of Commerce works to improve the business environment north of Boston through programs including, but not limited to, monthly Business Insight Breakfast Forums, After Hours Networking events,and Business Leads groups, along with annual signature events such as the North Shore Business Expo and Salute to Veterans Breakfast. The Chamber presents monthly audience-targeted (professional women, young professionals, etc.) seminars on business-related topics. The Chamber also advocates for business interests through various channels while working in conjunction with similar nonprofit organizations. The Chamber held 50 events in the past fiscal year, all aimed at cultivating business for its membership and working to improve the business climate on the North Shore as a whole.
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IRS990/Form990PartVIISectionAGrp/PersonNm1JOHN COLUCCI
IRS990/Form990PartVIISectionAGrp/PersonNm2DARREN AMBLER
IRS990/Form990PartVIISectionAGrp/PersonNm3PAUL KURKER
IRS990/Form990PartVIISectionAGrp/PersonNm4PATRICIA BECKWITH
IRS990/Form990PartVIISectionAGrp/PersonNm5MAX BERGERON
IRS990/Form990PartVIISectionAGrp/PersonNm6GLENN BOUTCHIE JR
IRS990/Form990PartVIISectionAGrp/PersonNm7DANIEL BROTHERS
IRS990/Form990PartVIISectionAGrp/PersonNm8BERNADETTE BUTTERFIELD
IRS990/Form990PartVIISectionAGrp/PersonNm9CAROLYN CAMPOT
IRS990/Form990PartVIISectionAGrp/PersonNm10GEORGE CAREY
IRS990/Form990PartVIISectionAGrp/PersonNm11DENNIS CATALDO
IRS990/Form990PartVIISectionAGrp/PersonNm12MARY ANNE CLANCY
IRS990/Form990PartVIISectionAGrp/PersonNm13JAY CONNOLLY
IRS990/Form990PartVIISectionAGrp/PersonNm14JOSEPH CORRENTI
IRS990/Form990PartVIISectionAGrp/PersonNm15DEREK DAVOLI
IRS990/Form990PartVIISectionAGrp/PersonNm16JEFFREY DOHERTY
IRS990/Form990PartVIISectionAGrp/PersonNm17ROBERT C DRAKE
IRS990/Form990PartVIISectionAGrp/PersonNm18SARAH DUCOTT
IRS990/Form990PartVIISectionAGrp/PersonNm19DAVID EIDLE
IRS990/Form990PartVIISectionAGrp/PersonNm20WILLIAM FARIA
IRS990/Form990PartVIISectionAGrp/PersonNm21HANNAH GINLEY
IRS990/Form990PartVIISectionAGrp/PersonNm22SUSAN GRIFFIN
IRS990/Form990PartVIISectionAGrp/PersonNm23JOHN HALSEY
IRS990/Form990PartVIISectionAGrp/PersonNm24LLOYD HAMM
IRS990/Form990PartVIISectionAGrp/PersonNm25MICHAEL HARRINGTON
IRS990/Form990PartVIISectionAGrp/PersonNm26NICHOLAS HARRON
IRS990/Form990PartVIISectionAGrp/PersonNm27WILLIAM HEINEMAN
IRS990/Form990PartVIISectionAGrp/PersonNm28JOHN INGS
IRS990/Form990PartVIISectionAGrp/PersonNm29STEPHEN JOHNSON
IRS990/Form990PartVIISectionAGrp/PersonNm30JOHN KEENAN
IRS990/Form990PartVIISectionAGrp/PersonNm31GREG KLEMMER
IRS990/Form990PartVIISectionAGrp/PersonNm32MARYANN LEVASSEUR
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IRS990/Form990PartVIISectionAGrp/PersonNm34SAMANDA MORALES
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IRS990/Form990PartVIISectionAGrp/PersonNm36SHEREE O'REILLY
IRS990/Form990PartVIISectionAGrp/PersonNm37JONATHAN OFILOS
IRS990/Form990PartVIISectionAGrp/PersonNm38ROBERT PELLEGRINI
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IRS990/Form990PartVIISectionAGrp/PersonNm40ROBERT RUDOLPH
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IRS990/Form990PartVIISectionAGrp/PersonNm44LAURA SWANSON
IRS990/Form990PartVIISectionAGrp/PersonNm45DOUGLAS THORPE
IRS990/Form990PartVIISectionAGrp/PersonNm46DARCIA TREMBLAY
IRS990/Form990PartVIISectionAGrp/PersonNm47KATHLEEN WALSH
IRS990/Form990PartVIISectionAGrp/PersonNm48THOMAS WHEELER
IRS990/Form990PartVIISectionAGrp/PersonNm49MARC WHITTAKER
IRS990/Form990PartVIISectionAGrp/PersonNm50LAWRENCE ZABAR
IRS990/Form990PartVIISectionAGrp/PersonNm51KAREN E ANDREAS
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt500

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