Civic Intelligence

Retired Educators Association of Massachusetts

EIN 04-2429428 • 501(c)6 • Marlborough, MA

Profile

Serving the interests of retired educators of massachusetts

163 Lakeside AvenueMarlborough, MA 01752

www.ream1951.org

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

51st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

16th percentile

-32%

Higher net margin than 16% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

89th percentile

$50,000

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 51.4% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

31st percentile

-15%

Faster asset growth than 31% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

38th percentile

-7.7%

Faster revenue growth than 38% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$174,845

Down $30,903 (-15%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$174,845

Down $30,903 (-15%) from 2023

Operations
Liabilities / Revenue51st percentileNet Margin16th percentile

Revenue

Down

$97,290

Down $8,118 (-7.7%) from 2023

Expenses

Up

$128,565

Up $3,468 (+2.8%) from 2023

Net Income

Down

-$31,275

Down $11,586 (-59%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth31st percentile

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

$400K$300K$200K$100K$0Assets 2010: $159,902Liabilities 2010: $0Net Assets 2010: $159,9022010Assets 2011: $133,561Liabilities 2011: $0Net Assets 2011: $133,5612011Assets 2012: $208,055Liabilities 2012: $0Net Assets 2012: $208,0552012Assets 2013: $192,528Liabilities 2013: $0Net Assets 2013: $192,5282013Assets 2014: $174,304Liabilities 2014: $0Net Assets 2014: $174,3042014Assets 2015: $139,408Liabilities 2015: $0Net Assets 2015: $139,4082015Assets 2016: $154,176Liabilities 2016: $0Net Assets 2016: $154,1762016Assets 2017: $149,841Liabilities 2017: $0Net Assets 2017: $149,8412017Assets 2018: $259,341Liabilities 2018: $0Net Assets 2018: $259,3412018Assets 2019: $346,119Liabilities 2019: $0Net Assets 2019: $346,1192019Assets 2020: $298,247Liabilities 2020: $0Net Assets 2020: $298,2472020Assets 2021: $266,848Liabilities 2021: $0Net Assets 2021: $266,8482021Assets 2022: $225,321Liabilities 2022: $0Net Assets 2022: $225,3212022Assets 2023: $205,748Liabilities 2023: $0Net Assets 2023: $205,7482023Assets 2024: $174,845Liabilities 2024: $0Net Assets 2024: $174,8452024

Highlighted filing

2024

Assets$174,845
Liabilities$0
Net Assets$174,845
Open 2024 Filing

Operations Trend

Revenue Growth38th percentile

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

$300K$200K$100K$0-$100K-$200KExpenses 2010: $181,7522010Revenue 2011: $123,757Expenses 2011: $141,771Net Income 2011: -$18,0142011Revenue 2012: $78,630Expenses 2012: $194,753Net Income 2012: -$116,1232012Revenue 2013: $186,421Expenses 2013: $189,430Net Income 2013: -$3,0092013Revenue 2014: $172,104Expenses 2014: $177,950Net Income 2014: -$5,8462014Revenue 2015: $187,437Expenses 2015: $213,700Net Income 2015: -$26,2632015Revenue 2016: $183,364Expenses 2016: $181,721Net Income 2016: $1,6432016Revenue 2017: $237,760Expenses 2017: $182,588Net Income 2017: $55,1722017Revenue 2018: $269,428Expenses 2018: $184,814Net Income 2018: $84,6142018Revenue 2019: $125,239Expenses 2019: $166,332Net Income 2019: -$41,0932019Revenue 2020: $103,411Expenses 2020: $151,283Net Income 2020: -$47,8722020Revenue 2021: $97,950Expenses 2021: $129,349Net Income 2021: -$31,3992021Revenue 2022: $75,507Expenses 2022: $116,964Net Income 2022: -$41,4572022Revenue 2023: $105,408Expenses 2023: $125,097Net Income 2023: -$19,6892023Revenue 2024: $97,290Expenses 2024: $128,565Net Income 2024: -$31,2752024

Highlighted filing

2024

Revenue$97,290
Expenses$128,565
Net Income-$31,275
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$174,845
Liabilities
$0
Net assets
$174,845
Revenue
$97,290
Expenses
$128,565
Net income
-$31,275
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.75$0.00$1.75$0.97$1.29$0.31
2023Detailed filing. Detailed filing data is available for this year.$2.06$0.00$2.06$1.05$1.25$0.20
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.25$0.00$2.25$0.76$1.17$0.41
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.67$0.00$2.67$0.98$1.29$0.31
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.98$0.00$2.98$1.03$1.51$0.48
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.46$0.00$3.46$1.25$1.66$0.41
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.59$0.00$2.59$2.69$1.85$0.85
2017Detailed filing. Detailed filing data is available for this year.$1.50$0.00$1.50$2.38$1.83$0.55
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.54$0.00$1.54$1.83$1.82$0.02
2015Detailed filing. Detailed filing data is available for this year.$1.39$0.00$1.39$1.87$2.14$0.26
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$1.74$0.00$1.74$1.72$1.78$0.06
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.93$0.00$1.93$1.86$1.89$0.03
2012Summary only. Only limited summary data is available for this year.$2.08$0.00$2.08$0.79$1.95$1.16
2011Summary only. Only limited summary data is available for this year.$1.34$0.00$1.34$1.24$1.42$0.18
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.60$0.00$1.60$1.82
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Sep 6, 2025
Return Version
2023v6.0
Gross Receipts
$97,290
Mission and Program Overview

Mission

Serving the interests of retired educators of massachusetts

Program Services

DescriptionGrantsExpenses
Annual meeting, ZOOM seminars, and chapter meetings to provide socialization opportunities and entertainment, and to update and inform members of issues such as upcoming legislation, health issues, and elder fraud scams.-$14,566
Scholarships to support members' families.-$5,961
Newsletters to keep members informed of matters of interest.-$5,234
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Karen DeDonatoExecutive DirectorPT$50,000-$50,000
Richard CoffeyTreasurerPT$5,300-$5,300
Marilyn FrankPresident-$2,500-$2,500
Frances SaccoSecretary-$2,000-$2,000
Mary Ellen SorensenFirst Vice-President-$0--
Cindy TaddeoSecond Vice-President-$0--
Political and Lobbying Activity
In-house lobbying only
Yes
Filing and Contact Details

Filer

Filer Name
Retired Educators Association of Massachusetts
EIN
04-2429428
Phone
5086240233
Address
163 Lakeside Avenue, Marlborough, MA 01752

Signing Officer

Name
Richard Coffey
Title
Treasurer
Phone
9784532689
Signed
2025-09-06
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 8

“Credit card rebates and Miscellaneous income.”

Form 990-EZ, Part I, Line 10

“Passthrough donations from members' contributions to the Edith Stewart Chase Foundation. College tuition scholarships for members' families.”

Form 990-EZ, Part I, Line 16

“Bank fees, Surety Bond, and miscellaneous expenses.”

Form 990-EZ, Part I, Line 20

“Increase in values of securities.”

Raw XML Appendix145 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
IRS990EZ/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BenefitsPaidToOrForMembersAmt016180
IRS990EZ/BooksInCareOfDetail/PersonNm0Richard Coffey
IRS990EZ/BooksInCareOfDetail/PhoneNum09784532689
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0331 Parkview Avenue
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Lowell
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd001852
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0205748
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0174845
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt010753
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-31275
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt021463
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form1120PolFiledInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0205748
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0174845
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GamingGrossIncomeAmt00
IRS990EZ/GrantsAndSimilarAmountsPaidAmt05971
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt097290
IRS990EZ/GrossSalesOfInventoryAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt04237
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MembershipDuesAmt071703
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0205748
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0174845
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0205748
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0174845
IRS990EZ/OccupancyRentUtltsAndMaintAmt016270
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt025
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt18
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.5
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt42
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt050000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt15300
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt22500
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt32000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Karen DeDonato
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Richard Coffey
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Marilyn Frank
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Frances Sacco
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Mary Ellen Sorensen
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Cindy Taddeo
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Executive Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4First Vice-President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Second Vice-President
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherAssetsTotalDetail/BOYAmt00
IRS990EZ/OtherAssetsTotalDetail/EOYAmt00
IRS990EZ/OtherChangesInNetAssetsAmt0372
IRS990EZ/OtherExpensesTotalAmt0169
IRS990EZ/OtherRevenueTotalAmt0235
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0SERVING THE INTERESTS OF RETIRED EDUCATORS OF MASSACHUSETTS
IRS990EZ/PrintingPublicationsPostageAmt04234
IRS990EZ/ProgramServiceRevenueAmt010362
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Annual meeting, ZOOM seminars, and chapter meetings to provide socialization opportunities and entertainment, and to update and inform members of issues such as upcoming legislation, health issues, and elder fraud scams.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1Scholarships to support members' families.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2Newsletters to keep members informed of matters of interest.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt014566
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt15961
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt25234
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SalariesOtherCompEmplBnftAmt064278
IRS990EZ/SaleOfAssetsGrossAmt00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd01
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt0128565
IRS990EZ/TotalProgramServiceExpensesAmt025761
IRS990EZ/TotalRevenueAmt097290
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.REAM1951.ORG
IRS990ScheduleC/AgreeCarryoverPriorYearInd00
IRS990ScheduleC/OnlyInHouseLobbyingInd01
IRS990ScheduleC/SubstantiallyAllDuesNondedInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Credit card rebates and Miscellaneous income.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Passthrough donations from members' contributions to the Edith Stewart Chase Foundation. College tuition scholarships for members' families.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Bank fees, Surety Bond, and miscellaneous expenses.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Increase in values of securities.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 10
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990-EZ, Part I, Line 20
ReasonableCauseExplanation/ExplanationTxt0Our data file was found corrupt in early August. Initial attempts to resolve it were not completely successful. Treasurer was away in mid to late August for prior commitment and a family medical issue. Finding the errors and rebuilding the file took additional time and was just completed. I respectfully ask that any penalties and late fees be waived.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0Richard Coffey
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum09784532689
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0RETIRED EDUCATORS ASSOCIATION OF MASSACHUSETTS
ReturnHeader/Filer/BusinessNameControlTxt0RETI
ReturnHeader/Filer/EIN0042429428
ReturnHeader/Filer/PhoneNum05086240233
ReturnHeader/Filer/USAddress/AddressLine1Txt0163 Lakeside Avenue
ReturnHeader/Filer/USAddress/CityNm0Marlborough
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001752
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/ReturnTs02025-09-08T14:01:31-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02023-10-01
ReturnHeader/TaxPeriodEndDt02024-09-30
ReturnHeader/TaxYr02023

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)6 • <$500k nonprofits