Civic Intelligence

Cotuit Library Association

990 • Fiscal year 2017 • EIN 04-2203831

Jul 01, 2016 to Jun 30, 2017 • Filed on Nov 06, 2017

Organization ProfileWWW.LIBRARY.COTUIT.MA.US
871 Main StreetCotuit, MA 02635

(508) 428-8141

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

41st percentile

0.05x

Higher debt load relative to assets than 41% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

61st percentile

0.18x

Higher debt load relative to revenue than 61% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2017

Net Margin

83rd percentile

27%

Higher net margin than 83% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2017

Asset Growth

61st percentile

6.9%

Faster asset growth than 61% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

78th percentile

27%

Faster revenue growth than 78% of similar nonprofits.

2017 filings • 501(c)3 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets41st percentile

Assets

Up

$1,837,252

Up $117,932 (+6.9%) from 2016

Net Assets

Up

$1,748,692

Up $39,378 (+2.3%) from 2016

Liabilities

Up

$88,560

Up $78,554 (+785%) from 2016

Revenue And Expenses
Liabilities / Revenue61st percentileNet Margin83rd percentile

Revenue

Up

$502,496

Up $105,990 (+27%) from 2016

Expenses

Down

$366,595

Down $26,565 (-6.8%) from 2016

Net Income

Up

$135,901

Up $132,555 (+3962%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth61st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $1,301,045Liabilities 2011: $9,371Net Assets 2011: $1,291,6742011Assets 2012: $1,339,968Liabilities 2012: $5,722Net Assets 2012: $1,334,2462012Assets 2013: $1,456,404Liabilities 2013: $10,428Net Assets 2013: $1,445,9762013Assets 2014: $1,656,935Liabilities 2014: $6,323Net Assets 2014: $1,650,6122014Assets 2015: $1,619,380Liabilities 2015: $14,467Net Assets 2015: $1,604,9132015Assets 2016: $1,719,320Liabilities 2016: $10,006Net Assets 2016: $1,709,3142016Assets 2017: $1,837,252Liabilities 2017: $88,560Net Assets 2017: $1,748,6922017Assets 2018: $1,941,273Liabilities 2018: $17,800Net Assets 2018: $1,923,4732018Assets 2019: $2,085,909Liabilities 2019: $17,233Net Assets 2019: $2,068,6762019Assets 2020: $2,028,821Liabilities 2020: $9,984Net Assets 2020: $2,018,8372020Assets 2021: $2,517,868Liabilities 2021: $8,938Net Assets 2021: $2,508,9302021Assets 2022: $2,261,994Liabilities 2022: $10,431Net Assets 2022: $2,251,5632022Assets 2023: $2,419,730Liabilities 2023: $9,331Net Assets 2023: $2,410,3992023Assets 2024: $2,675,589Liabilities 2024: $5,078Net Assets 2024: $2,670,5112024Assets 2025: $3,056,690Liabilities 2025: $7,884Net Assets 2025: $3,048,8062025

Highlighted filing

2017

Assets$1,837,252
Liabilities$88,560
Net Assets$1,748,692
Open 2017 Filing

Operations Trend

Revenue Growth78th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$800K$600K$400K$200K$0-$200KExpenses 2011: $291,2922011Expenses 2012: $318,3772012Revenue 2013: $370,374Expenses 2013: $311,470Net Income 2013: $58,9042013Revenue 2014: $424,890Expenses 2014: $341,448Net Income 2014: $83,4422014Revenue 2015: $364,170Expenses 2015: $349,510Net Income 2015: $14,6602015Revenue 2016: $396,506Expenses 2016: $393,160Net Income 2016: $3,3462016Revenue 2017: $502,496Expenses 2017: $366,595Net Income 2017: $135,9012017Revenue 2018: $546,878Expenses 2018: $386,243Net Income 2018: $160,6352018Revenue 2019: $469,447Expenses 2019: $396,857Net Income 2019: $72,5902019Revenue 2020: $386,685Expenses 2020: $322,033Net Income 2020: $64,6522020Revenue 2021: $598,979Expenses 2021: $396,614Net Income 2021: $202,3652021Revenue 2022: $389,578Expenses 2022: $417,492Net Income 2022: -$27,9142022Revenue 2023: $435,438Expenses 2023: $463,953Net Income 2023: -$28,5152023Revenue 2024: $579,937Expenses 2024: $496,647Net Income 2024: $83,2902024Revenue 2025: $724,088Expenses 2025: $488,220Net Income 2025: $235,8682025

Highlighted filing

2017

Revenue$502,496
Expenses$366,595
Net Income$135,901
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2016 to Jun 30, 2017
Signed
Nov 6, 2017
Return Version
2016v3.0
Gross Receipts
$619,415
Mission and Program Overview

Mission

FREE LENDING LIBRARY

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$1,304,457$1,307,563▲ $3,106
Land, Buildings, and Equipment, Net$302,151$466,677▲ $164,526
Cash and Non-Interest-Bearing Accounts$105,550$59,527▼ $46,023
Prepaid Expenses and Deferred Charges$5,436$3,485▼ $1,951
Total Assets$1,717,594$1,837,252▲ $119,658
Liabilities
Unsecured Notes Loans Payable-$81,722-
Accounts Payable and Accrued Expenses$10,006$4,038▼ $5,968
Other Liabilities-$2,800-
Total Liabilities$10,006$88,560▲ $78,554
Net Assets / Fund Balance
Unrestricted Net Assets$1,651,470$1,746,642▲ $95,172
Temporarily Rstr Net Assets$56,118$2,050▼ $54,068
Total Net Assets Fund Balance$1,707,588$1,748,692▲ $41,104
Total Liabilities and Net Assets / Fund Balance$1,717,594$1,837,252▲ $119,658

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$178,594$166,088$344,682
Other Land Buildings$191,127$7,473$198,600
Leasehold Improvements$71,080$1,871$72,951
Equipment$9,326$20,939$30,265
Land$16,550-$16,550
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Kathy SpirtesPresident
Amy GardnerDirector
Charlie DingsDirector
Cynthia Der HagopianDirector
David ReidyDirector
Marylee HalpinDirector
Pattie BerkeyDirector
Pete RoherDirector
Jim CanavanTrustee-publ
Vernon GrabelSecretary
Ed MaddoxTreasurer
Aj BallouVice Preside

Highest Paid Contractors

ContractorServicesLocationCompensation
Rogers MarneyBuildersBOX 310, Osterville, MA 02655$154,043
Revenue and Support

Revenue Composition

Contributions and Grants
$330,061
Program Service Revenue
$0
Investment Income
$144,689
Other Revenue
$27,746
All Other Contributions
$53,141
Change in Net Assets
$135,901

Audited Revenue Reconciliation

Revenue per Audited Statements
$502,496
Total Revenue per Audited Statements
$502,496
Total Revenue per Form 990
$502,496
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$223,596
Other Expenses$142,999
Total Fundraising Expense$35,567
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$106,229$44,262$26,557$177,048
Other Employee Benefits$19,806$8,253$4,952$33,011
Occupancy$16,715--$16,715
Depreciation Depletion$14,890--$14,890
Payroll Taxes$8,121$3,385$2,031$13,537
Insurance$11,992--$11,992
All Other Expenses$7,357$399$1,428$9,184
Information Technology$7,416--$7,416
Office Expenses$4,795$599$599$5,993
Fees for Services Other-$5,620-$5,620
Other Expenses$4,922--$4,922
Fees for Services Accounting-$3,900-$3,900
Interest-$2,555-$2,555
Advertising$95--$95
Total Functional Expenses$262,055$68,973$35,567$366,595

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$366,595
Total Expenses per Audited Statements$366,595
Total Expenses per Form 990$366,595
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$36,490
Fundraising Direct Expenses$10,085
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Tournament$18,924$18,924$7,856$11,068
Ways and Means$17,566$17,566$2,229$15,337
Total Events$36,490$36,490$10,085$26,405
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Other Liabilities$2,800
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
Yes
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“Board of trustees review tax return prior to filing.”

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

“Subject to board of trustees approval and vote.”

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

“Subject to board of trustees approval and vote.”

Form 990, Page 6, Part VI, Line 19

“Governing documents available upon request.”

Filing and Contact Details

Filer

Filer Name
Cotuit Library Association
EIN
04-2203831
Phone
5084288141
Address
871 MAIN STREET, COTUIT, MA 02635

Signing Officer

Name
Ed Maddox
Title
Treasurer
Phone
5084288141
Signed
2017-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathy Spirtes
Voting Board Members
12
Independent Board Members
12
Employees
5

Preparer

Firm
Sanders Walsh & Eaton Llp
Address
PO BOX F, OSTERVILLE, MA 02655
Preparer
Michael J Walsh CPA
Phone
5084280790
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“Fundraising revenue 0 fundraising expenses 0”

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 2D

“FUNDRAISING REVENUE 0”

Schedule D, Page 4, Part XII, Line 2D

“FUNDRAISING EXPENSES 0”

Raw XML AppendixShowing 400 of 471 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt010006
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt04038
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0FREE LENDING LIBRARY
IRS990/AdvertisingGrp/ProgramServicesAmt095
IRS990/AdvertisingGrp/TotalAmt095
IRS990/AllOtherContributionsAmt053141
IRS990/AllOtherExpensesGrp/FundraisingAmt01428
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt0399
IRS990/AllOtherExpensesGrp/ProgramServicesAmt07357
IRS990/AllOtherExpensesGrp/TotalAmt09184
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0STANLEY GOLDSTEIN
IRS990/BooksInCareOfDetail/PhoneNum05084288141
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0871 MAIN STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0COTUIT
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002635
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0105550
IRS990/CashNonInterestBearingGrp/EOYAmt059527
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0false
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/ContractorCompensationGrp/CompensationAmt0154043
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0BOX 310
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0OSTERVILLE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0MA
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd002655
IRS990/ContractorCompensationGrp/ContractorName/PersonNm0ROGERS MARNEY
IRS990/ContractorCompensationGrp/ServicesDesc0BUILDERS
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0330061
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0144689
IRS990/CYOtherExpensesAmt0142999
IRS990/CYOtherRevenueAmt027746
IRS990/CYProgramServiceRevenueAmt00
IRS990/CYRevenuesLessExpensesAmt0135901
IRS990/CYSalariesCompEmpBnftPaidAmt0223596
IRS990/CYTotalExpensesAmt0366595
IRS990/CYTotalFundraisingExpenseAmt035567
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt0502496
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/ProgramServicesAmt014890
IRS990/DepreciationDepletionGrp/TotalAmt014890
IRS990/Desc0FREE LENDING LIBRARY
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt0262055
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt03900
IRS990/FeesForServicesAccountingGrp/TotalAmt03900
IRS990/FeesForServicesOtherGrp/ManagementAndGeneralAmt05620
IRS990/FeesForServicesOtherGrp/TotalAmt05620
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt010.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt15.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt25.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt35.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt410.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt55.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt65.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt710.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt85.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt910.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt105.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt115.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd10X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd11X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/PersonNm0KATHY SPIRTES
IRS990/Form990PartVIISectionAGrp/PersonNm1CHARLIE DINGS
IRS990/Form990PartVIISectionAGrp/PersonNm2JIM CANAVAN
IRS990/Form990PartVIISectionAGrp/PersonNm3PATTIE BERKEY
IRS990/Form990PartVIISectionAGrp/PersonNm4AJ BALLOU
IRS990/Form990PartVIISectionAGrp/PersonNm5PETE ROHER
IRS990/Form990PartVIISectionAGrp/PersonNm6CYNTHIA DER HAGOPIAN
IRS990/Form990PartVIISectionAGrp/PersonNm7VERNON GRABEL
IRS990/Form990PartVIISectionAGrp/PersonNm8DAVID REIDY
IRS990/Form990PartVIISectionAGrp/PersonNm9ED MADDOX
IRS990/Form990PartVIISectionAGrp/PersonNm10AMY GARDNER
IRS990/Form990PartVIISectionAGrp/PersonNm11MARYLEE HALPIN
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2TRUSTEE-PUBL
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE PRESIDE
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0true
IRS990/FundraisingDirectExpensesAmt010085
IRS990/FundraisingGrossIncomeAmt036490
IRS990/GainOrLossGrp/SecuritiesAmt093462
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt012
IRS990/GovernmentGrantsAmt0276920
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossAmountSalesAssetsGrp/SecuritiesAmt0200296
IRS990/GrossReceiptsAmt0619415
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt012
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ProgramServicesAmt07416
IRS990/InformationTechnologyGrp/TotalAmt07416
IRS990/InsuranceGrp/ProgramServicesAmt011992
IRS990/InsuranceGrp/TotalAmt011992
IRS990/InterestGrp/ManagementAndGeneralAmt02555
IRS990/InterestGrp/TotalAmt02555
IRS990/InvestmentIncomeGrp/ExclusionAmt051227
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt051227
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsPubTradedSecGrp/BOYAmt01304457
IRS990/InvestmentsPubTradedSecGrp/EOYAmt01307563
IRS990/IRPDocumentCnt09
IRS990/IRPDocumentW2GCnt09
IRS990/LandBldgEquipAccumDeprecAmt0196371
IRS990/LandBldgEquipBasisNetGrp/BOYAmt0302151
IRS990/LandBldgEquipBasisNetGrp/EOYAmt0466677
IRS990/LandBldgEquipCostOrOtherBssAmt0663048
IRS990/LessCostOthBasisSalesExpnssGrp/SecuritiesAmt0106834
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0FREE LENDING LIBRARY
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01707588
IRS990/NetAssetsOrFundBalancesEOYAmt01748692
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt093462
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt093462
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt026405
IRS990/NetUnrlzdGainsLossesInvstAmt0-94797
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NoncashContributionsAmt010137
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt016715
IRS990/OccupancyGrp/TotalAmt016715
IRS990/OfficeExpensesGrp/FundraisingAmt0599
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt0599
IRS990/OfficeExpensesGrp/ProgramServicesAmt04795
IRS990/OfficeExpensesGrp/TotalAmt05993
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt04952
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt08253
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt019806
IRS990/OtherEmployeeBenefitsGrp/TotalAmt033011
IRS990/OtherExpensesGrp/Desc0BOOKS AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc1CLAMS
IRS990/OtherExpensesGrp/Desc2REPAIRS AND MAINTENANCE
IRS990/OtherExpensesGrp/Desc3PROGRAM
IRS990/OtherExpensesGrp/ProgramServicesAmt033098
IRS990/OtherExpensesGrp/ProgramServicesAmt117794
IRS990/OtherExpensesGrp/ProgramServicesAmt28825
IRS990/OtherExpensesGrp/ProgramServicesAmt34922
IRS990/OtherExpensesGrp/TotalAmt033098
IRS990/OtherExpensesGrp/TotalAmt117794
IRS990/OtherExpensesGrp/TotalAmt28825
IRS990/OtherExpensesGrp/TotalAmt34922
IRS990/OtherLiabilitiesGrp/EOYAmt02800
IRS990/OtherRevenueMiscGrp/Desc0BOOK FINES AND REPLACEMENTS
IRS990/OtherRevenueMiscGrp/ExclusionAmt01341
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt01341
IRS990/OtherRevenueTotalAmt01341
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt026557
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt044262
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0106229
IRS990/OtherSalariesAndWagesGrp/TotalAmt0177048
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt02031
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt03385
IRS990/PayrollTaxesGrp/ProgramServicesAmt08121
IRS990/PayrollTaxesGrp/TotalAmt013537
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05436
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03485
IRS990/PrincipalOfficerNm0KATHY SPIRTES
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0303823
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt055150
IRS990/PYOtherExpensesAmt0150743
IRS990/PYOtherRevenueAmt037533
IRS990/PYRevenuesLessExpensesAmt03346
IRS990/PYSalariesCompEmpBnftPaidAmt0242417
IRS990/PYTotalExpensesAmt0393160
IRS990/PYTotalRevenueAmt0396506
IRS990/ReconcilationRevenueExpnssAmt0135901
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0MISCELLANEOUS 11,915
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0330061
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0303823
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt0117252
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0136831
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt087502
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0975469
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt051227
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt055150
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt044745
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt051042
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt050581
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0252745
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt036490
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt01842
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt0675
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt06410
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt02988
IRS990ScheduleA/OtherIncome170Grp/TotalAmt011915
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.88370
IRS990ScheduleA/PublicSupportPY170Pct00.86040
IRS990ScheduleA/PublicSupportTotal170Amt02010606
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearAmt0276920
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus1YearAmt0235538
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus2YearsAmt0181463
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus3YearsAmt0175976
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/CurrentTaxYearMinus4YearsAmt0165240
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt01035137
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0606981
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0539361
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt0298715
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0312807
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0252742
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt02010606
IRS990ScheduleA/TotalSupportAmt02275266
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd0true
IRS990ScheduleD/BuildingsGrp/BookValueAmt0178594
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0166088
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0344682
IRS990ScheduleD/EquipmentGrp/BookValueAmt09326
IRS990ScheduleD/EquipmentGrp/DepreciationAmt020939
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt030265
IRS990ScheduleD/ExpensesSubtotalAmt0366595
IRS990ScheduleD/LandGrp/BookValueAmt016550
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt016550
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt071080
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01871
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt072951
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0191127
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt07473
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0198600
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt02800
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OTHER LIABILITIES
IRS990ScheduleD/RevenueSubtotalAmt0502496
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0FUNDRAISING REVENUE 0
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1FUNDRAISING EXPENSES 0
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0466677
IRS990ScheduleD/TotalExpensesPerForm990Amt0366595
IRS990ScheduleD/TotalLiabilityAmt02800
IRS990ScheduleD/TotalRevenuePerForm990Amt0502496
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt0502496
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt0366595
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt010085
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0GOLF TOURNAMENT
IRS990ScheduleG/FundraisingEventInformationGrp/Event2Nm0WAYS AND MEANS
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt018924
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt017566
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt036490
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt018924
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent2Amt017566
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt036490
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt026405
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt010085
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt07856
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent2Amt02229
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD OF TRUSTEES REVIEW TAX RETURN PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SUBJECT TO BOARD OF TRUSTEES APPROVAL AND VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2SUBJECT TO BOARD OF TRUSTEES APPROVAL AND VOTE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4FUNDRAISING REVENUE 0 FUNDRAISING EXPENSES 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TemporarilyRstrNetAssetsGrp/BOYAmt056118
IRS990/TemporarilyRstrNetAssetsGrp/EOYAmt02050

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$1,837,252
Liabilities
$88,560
Net assets
$1,748,692
Revenue
$502,496
Expenses
$366,595
Net income
$135,901
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.06$0.01$3.05$0.72$0.49$0.24
2024Detailed filing. Detailed filing data is available for this year.$2.68$0.01$2.67$0.58$0.50$0.08
2023Detailed filing. Detailed filing data is available for this year.$2.42$0.01$2.41$0.44$0.46$0.03
2022Detailed filing. Detailed filing data is available for this year.$2.26$0.01$2.25$0.39$0.42$0.03
2021Detailed filing. Detailed filing data is available for this year.$2.52$0.01$2.51$0.60$0.40$0.20
2020Summary only. Only limited summary data is available for this year.$2.03$0.01$2.02$0.39$0.32$0.06
2019Detailed filing. Detailed filing data is available for this year.$2.09$0.02$2.07$0.47$0.40$0.07
2018Summary only. Only limited summary data is available for this year.$1.94$0.02$1.92$0.55$0.39$0.16
2017Detailed filing. Detailed filing data is available for this year.$1.84$0.09$1.75$0.50$0.37$0.14
2016Detailed filing. Detailed filing data is available for this year.$1.72$0.01$1.71$0.40$0.39$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.62$0.01$1.60$0.36$0.35$0.01
2014Detailed filing. Detailed filing data is available for this year.$1.66$0.01$1.65$0.42$0.34$0.08
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.46$0.01$1.45$0.37$0.31$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.34$0.01$1.33$0.32
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.30$0.01$1.29$0.29