Civic Intelligence

Robert Morris Associates New England Ch C/O David O'Brien

EIN 04-2700884 • 501(c)6 • Tewksbury, MA

Profile

To foster and promote continuous improvement in principles and practices of commerical lending. To further the ability of our members to identify, assess, and manage the impacts of credit risk, operational risk, and market risk on their businesses and their customers.

30 International PlaceTewksbury, MA 01876

www.rmanewengland.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 2025

Liabilities / Revenue

51st percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

80th percentile

20%

Higher net margin than 80% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

71st percentile

11%

Faster asset growth than 71% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

54th percentile

1.5%

Faster revenue growth than 54% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$264,950

Up $26,422 (+11%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Up

$264,950

Up $26,422 (+11%) from 2024

Operations
Liabilities / Revenue51st percentileNet Margin80th percentile

Revenue

Up

$134,485

Up $2,035 (+1.5%) from 2024

Expenses

Down

$108,063

Down $3,135 (-2.8%) from 2024

Net Income

Up

$26,422

Up $5,170 (+24%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth71st percentile

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

$300K$200K$100K$0Assets 2010: $180,130Liabilities 2010: $0Net Assets 2010: $180,1302010Assets 2011: $182,494Liabilities 2011: $0Net Assets 2011: $182,4942011Assets 2012: $189,939Liabilities 2012: $0Net Assets 2012: $189,9392012Assets 2013: $176,631Liabilities 2013: $0Net Assets 2013: $176,6312013Assets 2014: $216,998Liabilities 2014: $1,446Net Assets 2014: $215,5522014Assets 2015: $180,551Liabilities 2015: $2,694Net Assets 2015: $177,8572015Assets 2016: $216,804Liabilities 2016: $2,015Net Assets 2016: $214,7892016Assets 2017: $230,884Liabilities 2017: $1,230Net Assets 2017: $229,6542017Assets 2018: $252,781Liabilities 2018: $0Net Assets 2018: $252,7812018Assets 2019: $259,076Liabilities 2019: $1,501Net Assets 2019: $257,5752019Assets 2020: $242,297Liabilities 2020: $0Net Assets 2020: $242,2972020Assets 2021: $253,931Liabilities 2021: $2,040Net Assets 2021: $251,8912021Assets 2022: $214,392Liabilities 2022: $0Net Assets 2022: $214,3922022Assets 2023: $217,276Liabilities 2023: $0Net Assets 2023: $217,2762023Assets 2024: $238,528Liabilities 2024: $0Net Assets 2024: $238,5282024Assets 2025: $264,950Liabilities 2025: $0Net Assets 2025: $264,9502025

Highlighted filing

2025

Assets$264,950
Liabilities$0
Net Assets$264,950
Open 2025 Filing

Operations Trend

Revenue Growth54th percentile

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

$200K$100K$0-$100KExpenses 2010: $66,3382010Expenses 2011: $97,2842011Expenses 2012: $104,0312012Revenue 2013: $94,688Expenses 2013: $107,996Net Income 2013: -$13,3082013Revenue 2014: $162,985Expenses 2014: $124,064Net Income 2014: $38,9212014Revenue 2015: $118,728Expenses 2015: $156,423Net Income 2015: -$37,6952015Revenue 2016: $147,038Expenses 2016: $110,106Net Income 2016: $36,9322016Revenue 2017: $138,746Expenses 2017: $123,881Net Income 2017: $14,8652017Revenue 2018: $145,000Expenses 2018: $121,873Net Income 2018: $23,1272018Revenue 2019: $141,254Expenses 2019: $136,460Net Income 2019: $4,7942019Revenue 2020: $56,343Expenses 2020: $71,621Net Income 2020: -$15,2782020Revenue 2021: $53,626Expenses 2021: $44,032Net Income 2021: $9,5942021Revenue 2022: $28,732Expenses 2022: $66,231Net Income 2022: -$37,4992022Revenue 2023: $117,351Expenses 2023: $114,467Net Income 2023: $2,8842023Revenue 2024: $132,450Expenses 2024: $111,198Net Income 2024: $21,2522024Revenue 2025: $134,485Expenses 2025: $108,063Net Income 2025: $26,4222025

Highlighted filing

2025

Revenue$134,485
Expenses$108,063
Net Income$26,422
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$264,950
Liabilities
$0
Net assets
$264,950
Revenue
$134,485
Expenses
$108,063
Net income
$26,422
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.65$0.00$2.65$1.34$1.08$0.26
2024Detailed filing. Detailed filing data is available for this year.$2.39$0.00$2.39$1.32$1.11$0.21
2023Detailed filing. Detailed filing data is available for this year.$2.17$0.00$2.17$1.17$1.14$0.03
2022Detailed filing. Detailed filing data is available for this year.$2.14$0.00$2.14$0.29$0.66$0.37
2021Detailed filing. Detailed filing data is available for this year.$2.54$0.02$2.52$0.54$0.44$0.10
2020Detailed filing. Detailed filing data is available for this year.$2.42$0.00$2.42$0.56$0.72$0.15
2019Summary only. Only limited summary data is available for this year.$2.59$0.02$2.58$1.41$1.36$0.05
2018Detailed filing. Detailed filing data is available for this year.$2.53$0.00$2.53$1.45$1.22$0.23
2017Detailed filing. Detailed filing data is available for this year.$2.31$0.01$2.30$1.39$1.24$0.15
2016Summary only. Only limited summary data is available for this year.$2.17$0.02$2.15$1.47$1.10$0.37
2015Detailed filing. Detailed filing data is available for this year.$1.81$0.03$1.78$1.19$1.56$0.38
2014Detailed filing. Detailed filing data is available for this year.$2.17$0.01$2.16$1.63$1.24$0.39
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.77$0.00$1.77$0.95$1.08$0.13
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.90$0.00$1.90$1.04
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.82$0.00$1.82$0.97
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.80$0.00$1.80$0.66
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Sep 1, 2024 to Aug 31, 2025
Signed
Mar 27, 2026
Return Version
2024v5.5
Gross Receipts
$134,485
Mission and Program Overview

Mission

To foster and promote continuous improvement in principles and practices of commerical lending. To further the ability of our members to identify, assess, and manage the impacts of credit risk, operational risk, and market risk on their businesses and their customers.

To foster and promote continuous improvement in principles and practices of commerical lending

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$238,528$264,950▲ $26,422
Rtn Earn Endowment Incm Other Fnds$238,528$264,950▲ $26,422
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$238,528$264,950▲ $26,422
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Total Net Assets Fund Balance$238,528$264,950▲ $26,422
Total Liabilities and Net Assets / Fund Balance$238,528$264,950▲ $26,422
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Carolyn NormandPresident
Wyatt HoganVice President
Andrew MahoneyDirector
Bridget LongDirector
Bruce LemieuxDirector
DAVID O'BRIENDirector
Derek EzovskiDirector
Greg BatsevitskyDirector
Greg GouldDirector
Janytra BrooksDirector
Joe CachuelaDirector
Joe HerzogDirector
Kama GiedraDirector
Katerina PappDirector
Richard LabrecqueDirector
Richard SwaseyDirector
Scott BruniniDirector
Lisa KrywuckiSecretary
John PrattTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$28,005
Program Service Revenue
$101,373
Investment Income
$5,107
Other Revenue
$0
Change in Net Assets
$26,422
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$108,063
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Conferences and Meetings---$67,832
Fees for Services Other---$28,123
Office Expenses---$1,788
Other Expenses---$927
Insurance---$824
Total Functional Expenses$0$0$0$108,063
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
In-house lobbying only
Yes
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$0
Section 527 Activity Spending$0
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
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

“Members consist of commercial lenders located in new england”

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

“The members elect the organization's officers and board of directors”

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

“Changes to the organizational documents requires approval from the members”

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

“Form 990 is reviewed and signed by the treasurer before filing. The treasurer provides copies of form 990 to the full board at their next meeting.”

Form 990, Part VI, Section C, Line 19

“The organizational documents are available to the public upon request. Financial statements and conflict of interest policy are not available to the public as they do not exist.”

Filing and Contact Details

Filer

Filer Name
Robert Morris Associates New England Ch
EIN
04-2700884
Phone
9782639003
Address
30 INTERNATIONAL PLACE, TEWKSBURY, MA 01876
Doing Business As
Risk Management Association

Signing Officer

Name
John Pratt Jr
Title
Treasurer
Phone
9784416446
Signed
2026-03-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
John Pratt Jr
Formed
1922
Legal Domicile
Ma
Voting Board Members
19
Independent Board Members
19
Employees
0
Volunteers
0

Preparer

Firm
Kenneth a Roberts CPA LLC
Address
42 CURTIS ROAD, CANTON, MA 02021
Preparer
Kenneth a Roberts CPA
Phone
6175127822
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

“Administrative and bookkeeping 28,123.”

Raw XML Appendix396 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
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IRS990/BooksInCareOfDetail/PersonNm0JOHN PRATT JR
IRS990/BooksInCareOfDetail/PhoneNum09784416446
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt030 INTERNATIONAL PLACE
IRS990/BooksInCareOfDetail/USAddress/CityNm0TEWKSBURY
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
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IRS990/InvestmentIncomeGrp/RelatedOrExemptFuncIncomeAmt05107
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt05107
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IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembershipDuesAmt028005
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IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO FOSTER AND PROMOTE CONTINUOUS IMPROVEMENT IN PRINCIPLES AND PRACTICES OF COMMERICAL LENDING. TO FURTHER THE ABILITY OF OUR MEMBERS TO IDENTIFY, ASSESS, AND MANAGE THE IMPACTS OF CREDIT RISK, OPERATIONAL RISK, AND MARKET RISK ON THEIR BUSINESSES AND THEIR CUSTOMERS.
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IRS990/NetAssetsOrFundBalancesEOYAmt0264950
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IRS990/NondeductibleContributionsInd00
IRS990/OfficeExpensesGrp/TotalAmt01788
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherExpensesGrp/Desc0WEBSITE
IRS990/OtherExpensesGrp/Desc1CREDIT CARD PROCESSING
IRS990/OtherExpensesGrp/Desc2MARKETING
IRS990/OtherExpensesGrp/Desc3TELEPHONE
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IRS990/OtherExpensesGrp/TotalAmt12659
IRS990/OtherExpensesGrp/TotalAmt21005
IRS990/OtherExpensesGrp/TotalAmt3927
IRS990/PartialLiquidationInd00
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IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd00
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IRS990/ProgramServiceRevenueGrp/Desc0LOAN OFFICER RESIDENT
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IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0THE ASSOCIATION DID NOT PARTICIPATE IN POLITICAL CAMPAIGN ACTIVITIES.
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART I-A, LINE 1:
IRS990ScheduleC/VolunteerHoursCnt00
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IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS CONSIST OF COMMERCIAL LENDERS LOCATED IN NEW ENGLAND
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS ELECT THE ORGANIZATION'S OFFICERS AND BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CHANGES TO THE ORGANIZATIONAL DOCUMENTS REQUIRES APPROVAL FROM THE MEMBERS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3FORM 990 IS REVIEWED AND SIGNED BY THE TREASURER BEFORE FILING. THE TREASURER PROVIDES COPIES OF FORM 990 TO THE FULL BOARD AT THEIR NEXT MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATIONAL DOCUMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST. FINANCIAL STATEMENTS AND CONFLICT OF INTEREST POLICY ARE NOT AVAILABLE TO THE PUBLIC AS THEY DO NOT EXIST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ADMINISTRATIVE AND BOOKKEEPING 28,123.
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 C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART IX, LINE 11G
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IRS990/TerminateOperationsInd00
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IRS990/USAddress/ZIPCd001876
IRS990/VotingMembersGoverningBodyCnt019
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IRS990/WebsiteAddressTxt0WWW.RMANEWENGLAND.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN PRATT JR
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum09784416446
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-27
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ROBERT MORRIS ASSOCIATES NEW ENGLAND CH
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0C/O JOHN PRATT JR
ReturnHeader/Filer/BusinessNameControlTxt0ROBE
ReturnHeader/Filer/EIN0042700884
ReturnHeader/Filer/PhoneNum09782639003
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ReturnHeader/Filer/USAddress/CityNm0TEWKSBURY
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ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0270950845
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KENNETH A ROBERTS CPA LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt042 CURTIS ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CANTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002021
ReturnHeader/PreparerPersonGrp/PhoneNum06175127822
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0KENNETH A ROBERTS CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02026-03-28T03:32:05-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-09-01
ReturnHeader/TaxPeriodEndDt02025-08-31
ReturnHeader/TaxYr02024

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