Civic Intelligence

North Central Massachusetts Association of Realtors Inc

990 • Fiscal year 2018 • EIN 04-2374565

Jan 01, 2018 to Dec 31, 2018 • Filed on May 20, 2019

Organization ProfileWWW.NCMAR.COM
40 Summer StreetFitchburg, MA 01420

(978) 345-2531

Siviq Scores

Scores are not available for this record yet.

Balance Sheet

Assets

Flat

$285,602

Flat from 2018

Net Assets

Flat

$121,288

Flat from 2018

Liabilities

Flat

$164,314

Flat from 2018

Revenue And Expenses

Revenue

Flat

$195,636

Flat from 2018

Expenses

Flat

$177,935

Flat from 2018

Net Income

Flat

$17,701

Flat from 2018

Historical Trend

Balance Sheet Trend

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

$300K$200K$100K$0Assets 2011: $185,619Liabilities 2011: $82,493Net Assets 2011: $103,1262011Assets 2012: $174,467Liabilities 2012: $87,205Net Assets 2012: $87,2622012Assets 2013: $139,095Liabilities 2013: $70,126Net Assets 2013: $68,9692013Assets 2014: $185,913Liabilities 2014: $98,996Net Assets 2014: $86,9172014Assets 2015: $174,583Liabilities 2015: $88,095Net Assets 2015: $86,4882015Assets 2016: $211,883Liabilities 2016: $120,988Net Assets 2016: $90,8952016Assets 2017: $197,090Liabilities 2017: $93,503Net Assets 2017: $103,5872017Assets 2018: $285,602Liabilities 2018: $164,314Net Assets 2018: $121,2882018Assets 2018: $285,602Liabilities 2018: $164,314Net Assets 2018: $121,2882018Assets 2019: $249,116Liabilities 2019: $104,618Net Assets 2019: $144,4982019Assets 2020: $282,937Liabilities 2020: $130,540Net Assets 2020: $152,3972020Assets 2021: $293,890Liabilities 2021: $134,812Net Assets 2021: $159,0782021Assets 2022: $256,913Liabilities 2022: $122,930Net Assets 2022: $133,9832022Assets 2023: $237,142Liabilities 2023: $130,935Net Assets 2023: $106,2072023Assets 2024: $183,156Liabilities 2024: $99,708Net Assets 2024: $83,4482024

Highlighted filing

2018

Assets$285,602
Liabilities$164,314
Net Assets$121,288
Open 2018 Filing

Operations Trend

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

$300K$200K$100K$0-$100KRevenue 2011: $182,177Expenses 2011: $189,151Net Income 2011: -$6,9742011Revenue 2012: $159,441Expenses 2012: $184,212Net Income 2012: -$24,7712012Revenue 2013: $149,179Expenses 2013: $167,470Net Income 2013: -$18,2912013Revenue 2014: $197,301Expenses 2014: $179,356Net Income 2014: $17,9452014Revenue 2015: $184,366Expenses 2015: $184,795Net Income 2015: -$4292015Revenue 2016: $197,209Expenses 2016: $192,802Net Income 2016: $4,4072016Revenue 2017: $213,218Expenses 2017: $200,526Net Income 2017: $12,6922017Revenue 2018: $195,636Expenses 2018: $177,935Net Income 2018: $17,7012018Revenue 2018: $195,636Expenses 2018: $177,935Net Income 2018: $17,7012018Revenue 2019: $209,832Expenses 2019: $186,622Net Income 2019: $23,2102019Revenue 2020: $191,799Expenses 2020: $183,900Net Income 2020: $7,8992020Revenue 2021: $205,607Expenses 2021: $198,926Net Income 2021: $6,6812021Revenue 2022: $202,978Expenses 2022: $228,073Net Income 2022: -$25,0952022Revenue 2023: $189,887Expenses 2023: $217,663Net Income 2023: -$27,7762023Revenue 2024: $186,044Expenses 2024: $208,803Net Income 2024: -$22,7592024

Highlighted filing

2018

Revenue$195,636
Expenses$177,935
Net Income$17,701
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 20, 2019
Return Version
2018v3.1
Gross Receipts
$197,831
Mission and Program Overview

Mission

The organization unites those engaged in the recognized branches of the real estate business in the community for the purposes of exerting a beneficial influence upon matters effecting the real estate business and related interests.

To strengthen the realtor image and value to the community, maintain the highest standards of ethics and professionalism, provide benefits to assist members in achieving professional goals and advocate for the preservation of private property rights.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$147,620$237,840▲ $90,220
Land, Buildings, and Equipment, Net$39,872$38,122▼ $1,750
Savings and Temporary Cash Investments$9,598$9,640▲ $42
Total Assets$197,090$285,602▲ $88,512
Liabilities
Deferred Revenue$91,718$160,499▲ $68,781
Accounts Payable and Accrued Expenses$1,785$3,815▲ $2,030
Total Liabilities$93,503$164,314▲ $70,811
Net Assets / Fund Balance
Unrestricted Net Assets$103,587$121,288▲ $17,701
Total Net Assets Fund Balance$103,587$121,288▲ $17,701
Total Liabilities and Net Assets / Fund Balance$197,090$285,602▲ $88,512

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,022$136,554$137,576
Buildings$8,100$129,335$137,435
Land$29,000-$29,000
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Kathy LoreExecutive DirectorFT$61,154$61,154

Board Members and Trustees

NameTitle
Locke HamanPast President
Yasmin LoftPresident
Susan WrightPresident Elect
Brieanna KelleyDirector
Dariene RossiDirector
Jordan LeblancSecretary
Benjamin HauseTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$153,937
Program Service Revenue
$19,210
Investment Income
$217
Other Revenue
$22,272
Change in Net Assets
$17,701
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$98,803
Other Expenses$79,132
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$48,923$12,231-$61,154
Comp Disqual Persons$14,691$3,673-$18,364
Travel$14,418--$14,418
Other Employee Benefits$10,290$2,573-$12,863
All Other Expenses$5,793$3,741-$9,534
Office Expenses-$7,478-$7,478
Payroll Taxes$5,138$1,284-$6,422
Other Expenses-$5,629-$5,629
Fees for Services Accounting-$2,825-$2,825
Insurance-$2,549-$2,549
Depreciation Depletion-$1,750-$1,750
Fees for Services Other-$1,161-$1,161
Total Functional Expenses$99,253$78,682$0$177,935
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

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Justin LoreSon of Executive Director Kathy LoreFull-time Employee of the Organization in the Current YearNo$18,364
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with family members
Yes
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, Part VI, Section A, Line 6

“The organization has members who pay dues for the services and expertise of the organization.”

Form 990, Part VI, Section A, Line 7A

“Members of the association vote to elect the board of directors.”

Form 990, Part VI, Section A, Line 7B

“The governing body does need member approval if it pertains to a bylaw change only.”

Form 990, Part VI, Section B, Line 11B

“Prior to filing the returns, the executive committee, president, president elect, treasurer and immediate past president review the 990 and financial statements. Changes and comments are forwarded to tax preparer for review and correction then submitted.”

Form 990, Part VI, Section B, Line 12C

“The organization posts the policy on the website and requires annual updates to the president regarding this matter.”

Form 990, Part VI, Section B, Line 15

“The organization has a personnel committee that determines the executive directors salary using performance and comparable data as a measure.”

Form 990, Part VI, Section C, Line 19

“The organization's website includes its governing documents and policy and procedure manual including the conflict of interest policy. Financial statements are not currently on the website but are made available to the public when requested.”

Filing and Contact Details

Filer

Filer Name
North Central Massachusetts Association
EIN
04-2374565
Phone
9783452531
Address
40 SUMMER STREET, FITCHBURG, MA 01420

Signing Officer

Name
Kathy Lore
Title
CEO
Phone
9783452531
Signed
2019-05-20
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathy Lore
Formed
1960
Legal Domicile
Ma
Voting Board Members
7
Independent Board Members
7
Employees
2
Volunteers
0

Preparer

Firm
Spinelli CPA Pc
Address
146 WEST BOYLSTON DRIVE, WORCESTER, MA 01606
Preparer
Karen Spinelli
Phone
5083656522
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The policy had no changes in the current year”

Raw XML AppendixShowing 400 of 426 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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IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/RelationshipDescriptionTxt0SON OF EXECUTIVE DIRECTOR KATHY LORE
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/SharingOfRevenuesInd00
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionAmt018364
IRS990ScheduleL/BusTrInvolveInterestedPrsnGrp/TransactionDesc0FULL-TIME EMPLOYEE OF THE ORGANIZATION IN THE CURRENT YEAR
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION HAS MEMBERS WHO PAY DUES FOR THE SERVICES AND EXPERTISE OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1MEMBERS OF THE ASSOCIATION VOTE TO ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE GOVERNING BODY DOES NEED MEMBER APPROVAL IF IT PERTAINS TO A BYLAW CHANGE ONLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3PRIOR TO FILING THE RETURNS, THE EXECUTIVE COMMITTEE, PRESIDENT, PRESIDENT ELECT, TREASURER AND IMMEDIATE PAST PRESIDENT REVIEW THE 990 AND FINANCIAL STATEMENTS. CHANGES AND COMMENTS ARE FORWARDED TO TAX PREPARER FOR REVIEW AND CORRECTION THEN SUBMITTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION POSTS THE POLICY ON THE WEBSITE AND REQUIRES ANNUAL UPDATES TO THE PRESIDENT REGARDING THIS MATTER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE ORGANIZATION HAS A PERSONNEL COMMITTEE THAT DETERMINES THE EXECUTIVE DIRECTORS SALARY USING PERFORMANCE AND COMPARABLE DATA AS A MEASURE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE ORGANIZATION'S WEBSITE INCLUDES ITS GOVERNING DOCUMENTS AND POLICY AND PROCEDURE MANUAL INCLUDING THE CONFLICT OF INTEREST POLICY. FINANCIAL STATEMENTS ARE NOT CURRENTLY ON THE WEBSITE BUT ARE MADE AVAILABLE TO THE PUBLIC WHEN REQUESTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7THE POLICY HAD NO CHANGES IN THE CURRENT YEAR
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XII, LINE 2C:
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DirectControllingNACd0N/A
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0THE CHARITABLE FOUNDATION OF NORTH CENTRAL MASS ASSOCIATION OF REALTORS INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0204729687
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)3
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0MA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0ENRICH & ENHANCE HEALTH & WELL BEING OF FAMILIES OF LIMITED ECONOMIC RESOURC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0ACCEPTED
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt040 SUMMER STREET
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0FITCHBURG
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0MA
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd001420
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd01
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd01
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0NA - 50000
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt1NA - 50000
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0N
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt1O
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0197090
IRS990/TotalAssetsEOYAmt0285602
IRS990/TotalAssetsGrp/BOYAmt0197090
IRS990/TotalAssetsGrp/EOYAmt0285602
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0153937
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt078682
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt099253
IRS990/TotalFunctionalExpensesGrp/TotalAmt0177935
IRS990/TotalGrossUBIAmt019210
IRS990/TotalLiabilitiesBOYAmt093503
IRS990/TotalLiabilitiesEOYAmt0164314
IRS990/TotalLiabilitiesGrp/BOYAmt093503
IRS990/TotalLiabilitiesGrp/EOYAmt0164314
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0103587
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0121288
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt099253
IRS990/TotalProgramServiceRevenueAmt019210
IRS990/TotalReportableCompFromOrgAmt061154
IRS990/TotalRevenueGrp/ExclusionAmt0217
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt022272
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0195636
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt019210
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0197090
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0285602
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/ProgramServicesAmt014418
IRS990/TravelGrp/TotalAmt014418
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0103587
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0121288
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt040 SUMMER STREET
IRS990/USAddress/CityNm0FITCHBURG
IRS990/USAddress/StateAbbreviationCd0MA
IRS990/USAddress/ZIPCd001420
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.NCMAR.COM
IRS990/WhistleblowerPolicyInd01
ReasonableCauseExplanation/ExplanationTxt0REASONABLE CAUSE WAIVER REQUEST - IRC 6651, FAILURE TO FILE PENALTY. THE REASON FOR THIS REQUEST IS A LATE FILED RETURN DUE TO CCH SOFTWARE OUTAGE.
ReturnHeader/BuildTS02019-02-21 02:37:17Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KATHY LORE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum09783452531
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-20
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTH CENTRAL MASSACHUSETTS ASSOCIATION
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0OF REALTORS INC
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0042374565

Document Assets

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Filings

Displayed year

2018 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$285,602
Liabilities
$164,314
Net assets
$121,288
Revenue
$195,636
Expenses
$177,935
Net income
$17,701
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.83$1.00$0.83$1.86$2.09$0.23
2023Detailed filing. Detailed filing data is available for this year.$2.37$1.31$1.06$1.90$2.18$0.28
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.57$1.23$1.34$2.03$2.28$0.25
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.94$1.35$1.59$2.06$1.99$0.07
2020Detailed filing. Detailed filing data is available for this year.$2.83$1.31$1.52$1.92$1.84$0.08
2019Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.49$1.05$1.44$2.10$1.87$0.23
2018Detailed filing. Detailed filing data is available for this year.$2.86$1.64$1.21$1.96$1.78$0.18
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.86$1.64$1.21$1.96$1.78$0.18
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.97$0.94$1.04$2.13$2.01$0.13
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.12$1.21$0.91$1.97$1.93$0.04
2015Detailed filing. Detailed filing data is available for this year.$1.75$0.88$0.86$1.84$1.85$0.00
2014Detailed filing. Detailed filing data is available for this year.$1.86$0.99$0.87$1.97$1.79$0.18
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$1.39$0.70$0.69$1.49$1.67$0.18
2012Summary only. Only limited summary data is available for this year.$1.74$0.87$0.87$1.59$1.84$0.25
2011Summary only. Only limited summary data is available for this year.$1.86$0.82$1.03$1.82$1.89$0.07