Civic Intelligence

Greater Lawrence Revolving

EIN 04-2484810 • Lawrence, MA

264 Essex StreetLawrence, MA 01840
Siviq Scores

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

Liabilities / Assets

81st percentile

0.11x

Higher debt load relative to assets than 81% of similar nonprofits.

<$500k nonprofits • Source year 2024

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2024

Net Margin

99th percentile

123%

Higher net margin than 99% of similar nonprofits.

<$500k nonprofits • Source year 2024

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

<$500k nonprofits • Source year 2024

Asset Growth

16th percentile

-70%

Faster asset growth than 16% of similar nonprofits.

<$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

Score unavailable

No value available

A valid growth rate could not be computed from the available filing history.

Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets81st percentile

Assets

Down

$64,651

Down $148,527 (-70%) from 2023

Liabilities

Down

$6,913

Down $101,283 (-94%) from 2023

Net Assets

Down

$57,738

Down $47,244 (-45%) from 2023

Operations
Liabilities / RevenueScore unavailableNet Margin99th percentile

Revenue

Down

-$38,286

Down $39,265 (-4011%) from 2023

Expenses

Down

$8,958

Down $3,662 (-29%) from 2023

Net Income

Down

-$47,244

Down $35,603 (-306%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth16th percentile

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

$400K$300K$200K$100K$0Assets 2011: $306,228Liabilities 2011: $102,6492011Assets 2012: $143,658Liabilities 2012: $3,500Net Assets 2012: $140,1582012Assets 2013: $135,675Liabilities 2013: $7,731Net Assets 2013: $127,9442013Assets 2014: $150,316Liabilities 2014: $10,060Net Assets 2014: $140,2562014Assets 2015: $130,301Liabilities 2015: $3,500Net Assets 2015: $126,8012015Assets 2016: $116,096Liabilities 2016: $3,500Net Assets 2016: $112,5962016Assets 2017: $137,676Liabilities 2017: $37,133Net Assets 2017: $100,5432017Assets 2018: $167,066Liabilities 2018: $3,500Net Assets 2018: $163,5662018Assets 2019: $155,303Liabilities 2019: $3,500Net Assets 2019: $151,8032019Assets 2020: $143,921Liabilities 2020: $3,500Net Assets 2020: $140,4212020Assets 2021: $132,291Liabilities 2021: $3,500Net Assets 2021: $128,7912021Assets 2022: $120,223Liabilities 2022: $3,600Net Assets 2022: $116,6232022Assets 2023: $213,178Liabilities 2023: $108,196Net Assets 2023: $104,9822023Assets 2024: $64,651Liabilities 2024: $6,913Net Assets 2024: $57,7382024

Highlighted filing

2024

Assets$64,651
Liabilities$6,913
Net Assets$57,738
Open 2024 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$100K$50K$0-$50KRevenue 2011: $253Expenses 2011: $15,774Net Income 2011: -$15,5212011Expenses 2012: $13,4562012Revenue 2013: $156Expenses 2013: $12,370Net Income 2013: -$12,2142013Revenue 2014: $26,613Expenses 2014: $14,301Net Income 2014: $12,3122014Revenue 2015: $69Expenses 2015: $13,524Net Income 2015: -$13,4552015Revenue 2016: $57Expenses 2016: $14,262Net Income 2016: -$14,2052016Revenue 2017: $30Expenses 2017: $12,083Net Income 2017: -$12,0532017Revenue 2018: $75,383Expenses 2018: $12,360Net Income 2018: $63,0232018Revenue 2019: $1,650Expenses 2019: $13,413Net Income 2019: -$11,7632019Revenue 2020: $1,187Expenses 2020: $12,569Net Income 2020: -$11,3822020Revenue 2021: $218Expenses 2021: $11,848Net Income 2021: -$11,6302021Revenue 2022: $52Expenses 2022: $12,220Net Income 2022: -$12,1682022Revenue 2023: $979Expenses 2023: $12,620Net Income 2023: -$11,6412023Revenue 2024: -$38,286Expenses 2024: $8,958Net Income 2024: -$47,2442024

Highlighted filing

2024

Revenue-$38,286
Expenses$8,958
Net Income-$47,244
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$64,651
Liabilities
$6,913
Net assets
$57,738
Revenue
-$38,286
Expenses
$8,958
Net income
-$47,244
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.65$0.07$0.58$0.38$0.09$0.47
2023Detailed filing. Detailed filing data is available for this year.$2.13$1.08$1.05$0.01$0.13$0.12
2022Detailed filing. Detailed filing data is available for this year.$1.20$0.04$1.17$0.00$0.12$0.12
2021Detailed filing. Detailed filing data is available for this year.$1.32$0.04$1.29$0.00$0.12$0.12
2020Detailed filing. Detailed filing data is available for this year.$1.44$0.04$1.40$0.01$0.13$0.11
2019Detailed filing. Detailed filing data is available for this year.$1.55$0.04$1.52$0.02$0.13$0.12
2018Detailed filing. Detailed filing data is available for this year.$1.67$0.04$1.64$0.75$0.12$0.63
2017Detailed filing. Detailed filing data is available for this year.$1.38$0.37$1.01$0.00$0.12$0.12
2016Detailed filing. Detailed filing data is available for this year.$1.16$0.04$1.13$0.00$0.14$0.14
2015Detailed filing. Detailed filing data is available for this year.$1.30$0.04$1.27$0.00$0.14$0.13
2014Detailed filing. Detailed filing data is available for this year.$1.50$0.10$1.40$0.27$0.14$0.12
2013Detailed filing. Detailed filing data is available for this year.$1.36$0.08$1.28$0.00$0.12$0.12
2012Detailed filing. Detailed filing data is available for this year.$1.44$0.04$1.40$0.13
2011Summary only. Only limited summary data is available for this year.$3.06$1.03$0.00$0.16$0.16
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 17, 2025
Return Version
2024v5.2
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
MARLENE HOYTPresident-$0--
WILLIAM FOSTERVice President-$0--
MR JOSEPH J BEVILACQUAAssistant Treasurer-$0--
ATTY ROBERT W LAVOIEClerk-$0--
EILEEN REGANSecretary-$0--
STEVEN A FISICHELLIDirector/Treasurer-$0--
MARY BETH O'REILLYDirector-$0--
MARK TORRISIDirector-$0--
JOHN LAVOIEDirector-$0--
RICHARD GONSALVESDirector-$0--
FRANCISCO URENADirector-$0--
ATTY JONATHAN ROSSIDirector-$0--
Filing and Contact Details

Filer

Filer Name
Greater Lawrence Revolving
EIN
04-2484810
Phone
9786860900
Address
264 ESSEX STREET, LAWRENCE, MA 01840

Signing Officer

Name
Joseph Bevilacqua
Title
Asst. Treasurer
Phone
9786860900
Signed
2025-09-17
Discuss with paid preparer
Yes

Preparer

Firm
Aafcpas Inc
Address
50 WASHINGTON STREET, WESTBOROUGH, MA 01581
Preparer
Christopher Consoletti Esq
Phone
5083669100
Raw XML Appendix399 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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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm0MARLENE HOYT
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm1WILLIAM FOSTER
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm2MR JOSEPH J BEVILACQUA
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm3ATTY ROBERT W LAVOIE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm4EILEEN REGAN
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm5STEVEN A FISICHELLI
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm6MARY BETH O'REILLY
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm7MARK TORRISI
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm8JOHN LAVOIE
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm9RICHARD GONSALVES
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm10FRANCISCO URENA
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm11ATTY JONATHAN ROSSI
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt1VICE PRESIDENT
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt2ASSISTANT TREASURER
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt3CLERK
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt4SECRETARY
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IRS990PF/StatementsRegardingActyGrp/ChangesToArticlesOrBylawsInd00
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IRS990PF/SummaryOfDirectChrtblActyGrp/Description1Txt0TO BUILD HOMES FOR RESALE TO LOW-INCOME FAMILIES IN THE GREATER LAWRENCE AREA OF MASSACHUSETTS WHILE EDUCATING STUDENTS IN THE CONSTRUCTION INDUSTRY.
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IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/TransferScheduleDetail/NoncharitableExemptOrgName/BusinessNameLine1Txt0MERRIMACK VALLEY CHAMBER OF COMMERCE INC
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/TransferScheduleDetail/TransfersTransAndShrArrngmDesc0MANAGEMENT FEE FOR MAINTAINING BOOKS AND RECORDS.
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OtherAssetsSchedule/OtherAssetsScheduleGrp/BOYBookValueAmt0169293
OtherAssetsSchedule/OtherAssetsScheduleGrp/Desc0CONSTRUCTION IN PROGRESS
OtherExpensesSchedule/OtherExpensesScheduleGrp/AdjustedNetIncomeAmt00
OtherExpensesSchedule/OtherExpensesScheduleGrp/AdjustedNetIncomeAmt10
OtherExpensesSchedule/OtherExpensesScheduleGrp/AdjustedNetIncomeAmt20
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc0ADMINISTRATIVE FEES
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc1MISCELLANEOUS
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc2INSURANCE
OtherExpensesSchedule/OtherExpensesScheduleGrp/DisbursementsCharitablePrpsAmt03500
OtherExpensesSchedule/OtherExpensesScheduleGrp/DisbursementsCharitablePrpsAmt1288
OtherExpensesSchedule/OtherExpensesScheduleGrp/DisbursementsCharitablePrpsAmt21170
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OtherExpensesSchedule/OtherExpensesScheduleGrp/NetInvestmentIncomeAmt10
OtherExpensesSchedule/OtherExpensesScheduleGrp/NetInvestmentIncomeAmt20
OtherExpensesSchedule/OtherExpensesScheduleGrp/RevenueAndExpensesPerBooksAmt03500
OtherExpensesSchedule/OtherExpensesScheduleGrp/RevenueAndExpensesPerBooksAmt1288
OtherExpensesSchedule/OtherExpensesScheduleGrp/RevenueAndExpensesPerBooksAmt21170
OtherLiabilitiesSchedule/OtherLiabilitiesDetail/BOYBookValueAmt069338
OtherLiabilitiesSchedule/OtherLiabilitiesDetail/Desc0CONSTRUCTION LOAN
OtherLiabilitiesSchedule/OtherLiabilitiesDetail/EOYBookValueAmt00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JOSEPH BEVILACQUA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0ASST. TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09786860900
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GREATER LAWRENCE REVOLVING
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0LOAN FUND INC
ReturnHeader/Filer/BusinessNameControlTxt0GREA
ReturnHeader/Filer/EIN0042484810
ReturnHeader/Filer/PhoneNum09786860900
ReturnHeader/Filer/USAddress/AddressLine1Txt0264 ESSEX STREET
ReturnHeader/Filer/USAddress/CityNm0LAWRENCE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001840
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042571780
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0AAFCPAS INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt050 WASHINGTON STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0WESTBOROUGH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001581
ReturnHeader/PreparerPersonGrp/PhoneNum05083669100
ReturnHeader/PreparerPersonGrp/PreparationDt02025-09-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHRISTOPHER CONSOLETTI ESQ
ReturnHeader/ReturnTs02025-09-17T14:18:22-05:00
ReturnHeader/ReturnTypeCd0990PF
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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