Liabilities / Assets
69th percentile
Higher debt load relative to assets than 69% of similar nonprofits.
EIN 04-2468123 • 501(c)6 • South Hadley, MA
Profile
Advancing the commercial, industrial, civic, and general interest of the towns of south hadley and granby and the related trade area.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
69th percentile
Higher debt load relative to assets than 69% of similar nonprofits.
Liabilities / Revenue
72nd percentile
Higher debt load relative to revenue than 72% of similar nonprofits.
Net Margin
58th percentile
Higher net margin than 58% of similar nonprofits.
Top Officer Pay
77th percentile
Higher top officer pay than 77% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
66th percentile
Faster asset growth than 66% of similar nonprofits.
Revenue Growth
94th percentile
Faster revenue growth than 94% of similar nonprofits.
Assets
Up$92,812
Up $6,068 (+7.0%) from 2023
Liabilities
Flat$5,000
Flat from 2023
Net Assets
Up$87,812
Up $6,068 (+7.4%) from 2023
Revenue
Up$93,632
Up $40,889 (+78%) from 2023
Expenses
Up$89,311
Up $44,623 (+100%) from 2023
Net Income
Down$4,321
Down $3,734 (-46%) from 2023
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
Advancing the commercial, industrial, civic, and general interest of the towns of South Hadley and Granby and the related trade area.
| Description | Grants | Expenses |
|---|---|---|
| ADVANCING THE COMMERCIAL, INDUSTRIAL, CIVIC, AND GENERAL INTEREST OF THE TOWNS OF SOUTH HADLEY AND GRANBY AND THE RELATED TRADE AREA. | $0 | $0 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| REGINA ZEBROWSKI | President | - | $0 | - | - |
| STEVE LAPLANTE | Vice President | - | $0 | - | - |
| MICHELE LYMAN | Treasurer | - | $0 | - | - |
| JENNIFER MARION | Clerk | - | $0 | - | - |
| KATARZYNA BERNASH | Director | - | $0 | - | - |
| JAMIE FITZGIBBON | Director | - | $0 | - | - |
| KELLY FRAIZER | Director | - | $0 | - | - |
| KELLIE GALLIVAN | Director | - | $0 | - | - |
| JENNIFER THERKELSEN | Director | - | $0 | - | - |
“Description: interest income. Amount: 2,505.”
“Description: insurance. Amount: 1,452. Description: advertising. Amount: 1,217. Description: office expense. Amount: 4,784. Description: communications. Amount: 873. Description: program expenses. Amount: 15,744. Total to form 990-ez, line 16: 24,070.”
“Description: unrealized gains. Amount: 1,747.”
“Description: deferred income. Beg. Of year amount: 5,000. End of year amount: 5,000.”
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/ActivitiesNotPreviouslyRptInd | 0 | 0 |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | MICHELE LYMAN |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 4135633678 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 133 PINE GROVE |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | SOUTH HADLEY |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MA |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 01075 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 86744 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 92812 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 27606 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 4321 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 1000 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 86744 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 92812 |
| IRS990EZ/GrantsAndSimilarAmountsPaidAmt | 0 | 33716 |
| IRS990EZ/GrossReceiptsAmt | 0 | 93632 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 2505 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MembershipDuesAmt | 0 | 22150 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 81744 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 87812 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 81744 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 87812 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 8 | 2.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | REGINA ZEBROWSKI |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | STEVE LAPLANTE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | MICHELE LYMAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | JENNIFER MARION |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | KATARZYNA BERNASH |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | JAMIE FITZGIBBON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | KELLY FRAIZER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | KELLIE GALLIVAN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | JENNIFER THERKELSEN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | CLERK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 1747 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 24070 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | ADVANCING THE COMMERCIAL, INDUSTRIAL, CIVIC, AND GENERAL INTEREST OF THE TOWNS OF SOUTH HADLEY AND GRANBY AND THE RELATED TRADE AREA. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 41371 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | ADVANCING THE COMMERCIAL, INDUSTRIAL, CIVIC, AND GENERAL INTEREST OF THE TOWNS OF SOUTH HADLEY AND GRANBY AND THE RELATED TRADE AREA. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 0 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 30525 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 5000 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 5000 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 89311 |
| IRS990EZ/TotalRevenueAmt | 0 | 93632 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.SHGCHAMBER.COM |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | DESCRIPTION: INTEREST INCOME. AMOUNT: 2,505. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: INSURANCE. AMOUNT: 1,452. DESCRIPTION: ADVERTISING. AMOUNT: 1,217. DESCRIPTION: OFFICE EXPENSE. AMOUNT: 4,784. DESCRIPTION: COMMUNICATIONS. AMOUNT: 873. DESCRIPTION: PROGRAM EXPENSES. AMOUNT: 15,744. TOTAL TO FORM 990-EZ, LINE 16: 24,070. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | DESCRIPTION: UNREALIZED GAINS. AMOUNT: 1,747. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DESCRIPTION: DEFERRED INCOME. BEG. OF YEAR AMOUNT: 5,000. END OF YEAR AMOUNT: 5,000. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART I, LINE 20 - OTHER CHANGES IN NET ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | MICHELE LYMAN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | CURRENT TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4135633678 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-05-09 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | SOUTH HADLEY & GRANBY CHAMBER OF COMMERC |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | SOUT |
| ReturnHeader/Filer/EIN | 0 | 042468123 |
| ReturnHeader/Filer/PhoneNum | 0 | 4135326451 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 2 LYMAN STREET |
| ReturnHeader/Filer/USAddress/CityNm | 0 | SOUTH HADLEY |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 01075 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 0 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 134260189 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | BOISSELLE MORTON & WOLKOWICZ LLP |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 48 BAY ROAD PO BOX 374 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | HADLEY |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 01035 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 4135870099 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-05-04 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JOSEPH P WOLKOWICZ CPA |
| ReturnHeader/ReturnTs | 0 | 2025-05-09T09:31:32-05:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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