New England Adjustment Managers Association Inc.

990EZ • Fiscal year 2013 • EIN 04-2776584

Jul 01, 2012 to Jun 30, 2013 • Filed on Nov 14, 2013

Organization Profile www.neama.org

c/o 34 John StCanton, MA 01852

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

0.00x

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

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

0.00x

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

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

-1.7%

Higher net margin than 37% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Source year 2013

No value available

This filing does not contain officer compensation rows.

Source year 2013

-2.0%

Faster asset growth than 41% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

18%

Faster revenue growth than 70% of similar nonprofits.

2013 filings • 501(c)3 • <$500k nonprofits • Annualized from 2012 to 2013

Balance Sheet

Liabilities / Assets55th percentile

Assets

Down

$46,057

Down $950 (-2.0%) from 2012

Net Assets

$46,057

No earlier filing loaded for comparison.

Liabilities

Flat

Flat from 2012

Revenue And Expenses

Liabilities / Revenue56th percentile Net Margin37th percentile

Revenue

$56,034

Up $8,501 (+18%) from 2012

Expenses

$56,984

Up $3,297 (+6.1%) from 2012

Net Income

-$950

Up $5,204 (+85%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth41st percentile

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

Highlighted filing

2013

Assets$46,057

Liabilities$0

Net Assets$46,057

Open 2013 Filing

Operations Trend

Revenue Growth70th percentile

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

Highlighted filing

2013

Revenue$56,034

Expenses$56,984

Net Income-$950

Open 2013 Filing

Jump To

Filing Snapshot

Filing Period: Jul 1, 2012 to Jun 30, 2013
Signed: Nov 14, 2013
Return Version: 2012v2.0

Mission and Program Overview

Mission

To promote, establish, maintain and operate educational programs to educate and train bankers, credit grantors, the community and public at large on issues dealing with the fields of credit and collection. Including working with and cooperating with other non-profit organizations having similar objectives and provisions of education.

Filing and Contact Details

Filer

EIN: 04-2776584

Raw XML Appendix221 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/ActivitiesNotPreviouslyRpt	0	false
IRS990EZ/CashSavingsAndInvestments/BOY	0	45931
IRS990EZ/CashSavingsAndInvestments/EOY	0	45411
IRS990EZ/ContributionsGiftsGrantsEtc	0	12308
IRS990EZ/CostOfGoodsSold	0	0
IRS990EZ/CostOtherBasisAndSalesExpenses	0	0
IRS990EZ/DidOrgFileForm1120POLThisYear	0	false
IRS990EZ/DoesOrgHaveHospital	0	false
IRS990EZ/EngagedInExcessBenefitTrans	0	false
IRS990EZ/EngageInLobbyingActivities	0	false
IRS990EZ/EngagePoliticalCmpgnActivities	0	false
IRS990EZ/ExcessOrDeficitForYear	0	-950
IRS990EZ/FeesAndOthPymtToIndContractors	0	1125
IRS990EZ/FiledScheduleA	0	true
IRS990EZ/ForeignFinancialAccount	0	false
IRS990EZ/ForeignOffice	0	false
IRS990EZ/Form720Filed	0	false
IRS990EZ/FundraisingGrossIncome	0	4050
IRS990EZ/GamingGrossIncome	0	860
IRS990EZ/GrantsAndSimilarAmountsPaid	0	12700
IRS990EZ/GrossReceipts	0	62592
IRS990EZ/GrossReceiptsForPublicUse	0	0
IRS990EZ/InfoInScheduleOPartI	0	X
IRS990EZ/InfoInScheduleOPartII	0	X
IRS990EZ/InfoInScheduleOPartV	0	X
IRS990EZ/InitiationFeesAndCapitalContri	0	0
IRS990EZ/InvestmentIncome	0	69
IRS990EZ/MadeChangesToOrgnzngEtcDoc	0	false
IRS990EZ/MadeLoansToFromOfficers	0	false
IRS990EZ/MaintainAnyDonorAdvisedFunds	0	false
IRS990EZ/MembershipDues	0	10055
IRS990EZ/MethodOfAccountingCash	0	X
IRS990EZ/NetAssetsOrFundBalances/BOY	0	47007
IRS990EZ/NetAssetsOrFundBalancesBOY	0	47007
IRS990EZ/NetAssetsOrFundBalances/EOY	0	46057
IRS990EZ/NetAssetsOrFundBalancesEOY	0	46057
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition	0	1.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition	1	1.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition	2	1.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition	3	1.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/AvgHoursPerWkDevotedToPosition	4	1.00
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation	0	0
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation	1	0
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation	2	0
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation	3	0
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Compensation	4	0
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName	0	Joe Schiavulli
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName	1	Karen Libby
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName	2	Christopher Reall
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName	3	John Pratt Jr
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/PersonName	4	James Carden
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title	0	Director
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title	1	Director
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title	2	Secretary/Dir
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title	3	Treasurer/Dir
IRS990EZ/OfficerDirectorTrusteeKeyEmpl/Title	4	President/Dir
IRS990EZ/OperatingSchool	0	false
IRS990EZ/Organization501c3	0	X
IRS990EZ/OrganizationDissolvedEtc	0	false
IRS990EZ/OrganizationFiled990T	0	false
IRS990EZ/OrganizationHadUBI	0	false
IRS990EZ/OtherAssetsTotal/BOY	0	1076
IRS990EZ/OtherAssetsTotal/EOY	0	646
IRS990EZ/OtherExpensesTotal	0	42858
IRS990EZ/PartVIAHghstPaidCntrctProfSer	0	NONE
IRS990EZ/PartVIOfCompOfHighestPaidEmpl	0	NONE
IRS990EZ/PrimaryExemptPurpose	0	To promote, establish, maintain and operate educational programs to educate and train bankers, credit grantors, the community and public at large on issues dealing with the fields of credit and collection. Including working with and cooperating with other non-profit organizations having similar objectives and provisions of education.
IRS990EZ/PrintingPublicationsPostage	0	301
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom	0	Promoting, establishing, maintaining and operating programs to educate and train bankers, credit grantors, the community and public at large on issues dealing with the fields of credit and collection.
IRS990EZ/ProgramServiceAccomplishment/DescriptionProgramServiceAccom	1	Providing scholarships (based on academic standing and need) to college students and contributions to other non-profit organizations.
IRS990EZ/ProgramServiceAccomplishment/GrantsAndAllocations	0	44284
IRS990EZ/ProgramServiceAccomplishment/GrantsAndAllocations	1	12700
IRS990EZ/ProgramServiceRevenue	0	35250
IRS990EZ/ProhibitedTaxShelterTrans	0	false
IRS990EZ/RelatedOrgControlledEntity	0	false
IRS990EZ/RelatedOrgSection527Org	0	false
IRS990EZ/ScheduleBNotRequired	0	X
IRS990EZ/SpecialEventsDirectExpenses	0	6558
IRS990EZ/SpecialEventsNetIncomeLoss	0	-1648
IRS990EZ/StatesWhereCopyOfReturnIsFiled	0	MA
IRS990EZ/SubjectToProxyTax	0	false
IRS990EZ/TanningServicesProvided	0	false
IRS990EZ/TheBooksAreInCareOf/AddressUS/AddressLine1	0	c/o Lowell Five 5 John Street
IRS990EZ/TheBooksAreInCareOf/AddressUS/City	0	Lowell
IRS990EZ/TheBooksAreInCareOf/AddressUS/State	0	MA
IRS990EZ/TheBooksAreInCareOf/AddressUS/ZIPCode	0	01852
IRS990EZ/TheBooksAreInCareOf/NamePerson	0	John Pratt Jr
IRS990EZ/TheBooksAreInCareOf/TelephoneNumber	0	9784416446
IRS990EZ/TotalAssets/BOY	0	47007
IRS990EZ/TotalAssets/EOY	0	46057
IRS990EZ/TotalExpenses	0	56984
IRS990EZ/TotalProgramServiceExpenses	0	56984
IRS990EZ/TotalRevenue	0	56034
IRS990EZ/TransactionWithControlEntity	0	false
IRS990EZ/TrnsfrsExemptNonCharRelatedOrg	0	false
IRS990EZ/WebSite	0	www.neama.org
IRS990ScheduleA/AmtsFromSubstContributors/Total	0	0
IRS990ScheduleA/AmtsRecdFromDisqualPersons/Total	0	0
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYear	0	22363
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYearMinus1Year	0	20280
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYearMinus2Years	0	20563
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYearMinus3Years	0	23872
IRS990ScheduleA/GiftsGrantsContribReceived509/CurrentTaxYearMinus4Years	0	19003
IRS990ScheduleA/GiftsGrantsContribReceived509/Total	0	106081
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYear	0	69
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYearMinus1Year	0	138
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYearMinus2Years	0	112
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYearMinus3Years	0	866
IRS990ScheduleA/GrossInvestmentIncome509/CurrentTaxYearMinus4Years	0	2256
IRS990ScheduleA/GrossInvestmentIncome509/Total	0	3441
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYear	0	40160
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYearMinus1Year	0	38206
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYearMinus2Years	0	39722
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYearMinus3Years	0	8047
IRS990ScheduleA/GrossReceiptsFromAdmissions/CurrentTaxYearMinus4Years	0	23388
IRS990ScheduleA/GrossReceiptsFromAdmissions/Total	0	149523
IRS990ScheduleA/GrossReceiptsFromNonUBI/Total	0	0
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYear	0	69
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYearMinus1Year	0	138
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYearMinus2Years	0	112
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYearMinus3Years	0	866
IRS990ScheduleA/InvestmentIncomeAndUBTI/CurrentTaxYearMinus4Years	0	2256
IRS990ScheduleA/InvestmentIncomeAndUBTI/Total	0	3441
IRS990ScheduleA/InvestmentIncomePercentage	0	0.01330
IRS990ScheduleA/NetIncomeFromOtherUBI/Total	0	0
IRS990ScheduleA/OtherIncome509/Total	0	0
IRS990ScheduleA/Post1975UBTI/Total	0	0
IRS990ScheduleA/PriorYearSupportPercentage	0	0.97410
IRS990ScheduleA/PriorYrInvestIncomePercentage	0	0.02590
IRS990ScheduleA/PubliclySupportedOrg509a2	0	X
IRS990ScheduleA/PublicSupportPercentage509	0	0.98670
IRS990ScheduleA/PublicSupportTotal509	0	255604
IRS990ScheduleA/TaxRevLeviedForOrgBenefit509/Total	0	0
IRS990ScheduleA/ThirtyThreePercntTestsCY509	0	X
IRS990ScheduleA/Total509/CurrentTaxYear	0	62523
IRS990ScheduleA/Total509/CurrentTaxYearMinus1Year	0	58486
IRS990ScheduleA/Total509/CurrentTaxYearMinus2Years	0	60285
IRS990ScheduleA/Total509/CurrentTaxYearMinus3Years	0	31919
IRS990ScheduleA/Total509/CurrentTaxYearMinus4Years	0	42391
IRS990ScheduleA/Total509/Total	0	255604
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYear	0	62592
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus1Year	0	58624
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus2Years	0	60397
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus3Years	0	32785
IRS990ScheduleA/TotalSupportTotal/CurrentTaxYearMinus4Years	0	44647
IRS990ScheduleA/TotalSupportTotal/Total	0	259045
IRS990ScheduleA/ValueOfSvcsFcltsFurnishdByGovt/Total	0	0
IRS990ScheduleG/EventsInformation/CharitableContributionsEvent1	0	12308
IRS990ScheduleG/EventsInformation/CharitableContributionsTotal	0	12308
IRS990ScheduleG/EventsInformation/DirectExpenseSummaryEvents	0	6558
IRS990ScheduleG/EventsInformation/GrossReceiptsEvent1	0	16358
IRS990ScheduleG/EventsInformation/GrossReceiptsTotal	0	16358
IRS990ScheduleG/EventsInformation/GrossRevenueEvent1	0	4050
IRS990ScheduleG/EventsInformation/GrossRevenueTotalEvents	0	4050
IRS990ScheduleG/EventsInformation/NameOfEvent1	0	Golf
IRS990ScheduleG/EventsInformation/NetIncomeSummary	0	-2508
IRS990ScheduleG/EventsInformation/OtherDirectExpensesEvent1	0	6558
IRS990ScheduleG/EventsInformation/OtherDirectExpensesTotalEvents	0	6558
IRS990ScheduleO/GeneralExplanation/Explanation	0	Machinery and Equipment - Beginning $1076 Machinery and Equipment - Ending $646
IRS990ScheduleO/GeneralExplanation/Explanation	1	Filing Fees $50
IRS990ScheduleO/GeneralExplanation/Explanation	2	Gifts $96
IRS990ScheduleO/GeneralExplanation/Explanation	3	Telecommunications $700
IRS990ScheduleO/GeneralExplanation/Explanation	4	Website Costs $1333
IRS990ScheduleO/GeneralExplanation/Explanation	5	Charitable Contributions $2600
IRS990ScheduleO/GeneralExplanation/Explanation	6	Annual Meeting $6430
IRS990ScheduleO/GeneralExplanation/Explanation	7	Meeting Fees $30203
IRS990ScheduleO/GeneralExplanation/Explanation	8	Depreciation $430
IRS990ScheduleO/GeneralExplanation/Explanation	9	Travel $16
IRS990ScheduleO/GeneralExplanation/Explanation	10	Office Expenses $1000
IRS990ScheduleO/GeneralExplanation/Explanation	11	Class of Activity: Scholarships \| Donee's Name: Various Scholarships \| Donee's Address: c/o McLane Law Firm, 300 Trade Ctr Woburn, MA 01801 \| Relationship of Donee: Unrealted \| Cash Amount Given: $12700
IRS990ScheduleO/GeneralExplanation/Identifier	0	Form 990-EZ, Part II, Line 24.1003
IRS990ScheduleO/GeneralExplanation/Identifier	1	Form 990-EZ, Part I, Line 16.8
IRS990ScheduleO/GeneralExplanation/Identifier	2	Form 990-EZ, Part I, Line 16.7
IRS990ScheduleO/GeneralExplanation/Identifier	3	Form 990-EZ, Part I, Line 16.5
IRS990ScheduleO/GeneralExplanation/Identifier	4	Form 990-EZ, Part I, Line 16.4
IRS990ScheduleO/GeneralExplanation/Identifier	5	Form 990-EZ, Part I, Line 16.3
IRS990ScheduleO/GeneralExplanation/Identifier	6	Form 990-EZ, Part I, Line 16.2
IRS990ScheduleO/GeneralExplanation/Identifier	7	Form 990-EZ, Part I, Line 16.1
IRS990ScheduleO/GeneralExplanation/Identifier	8	Form 990-EZ, Part I, Line 16.1009
IRS990ScheduleO/GeneralExplanation/Identifier	9	Form 990-EZ, Part I, Line 16.1005
IRS990ScheduleO/GeneralExplanation/Identifier	10	Form 990-EZ, Part I, Line 16.1002
IRS990ScheduleO/GeneralExplanation/Identifier	11	Form 990-EZ, Part I, Line 10.1
IRS990ScheduleO/GeneralExplanation/ReturnReference	0	Other Assets.1003
IRS990ScheduleO/GeneralExplanation/ReturnReference	1	Other Expenses.8
IRS990ScheduleO/GeneralExplanation/ReturnReference	2	Other Expenses.7
IRS990ScheduleO/GeneralExplanation/ReturnReference	3	Other Expenses.5
IRS990ScheduleO/GeneralExplanation/ReturnReference	4	Other Expenses.4
IRS990ScheduleO/GeneralExplanation/ReturnReference	5	Other Expenses.3
IRS990ScheduleO/GeneralExplanation/ReturnReference	6	Other Expenses.2
IRS990ScheduleO/GeneralExplanation/ReturnReference	7	Other Expenses.1
IRS990ScheduleO/GeneralExplanation/ReturnReference	8	Other Expenses.1009
IRS990ScheduleO/GeneralExplanation/ReturnReference	9	Other Expenses.1005
IRS990ScheduleO/GeneralExplanation/ReturnReference	10	Other Expenses.1002
IRS990ScheduleO/GeneralExplanation/ReturnReference	11	Grants and Similar Amounts Paid In Excess of $5,000.1
ReturnHeader/BuildTS	0	2016-02-25 16:41:14Z
ReturnHeader/Filer/EIN	0	042776584
ReturnHeader/Filer/Name/BusinessNameLine1	0	New England Adjustment
ReturnHeader/Filer/Name/BusinessNameLine2	0	Managers Association Inc
ReturnHeader/Filer/NameControl	0	NEWE
ReturnHeader/Filer/Phone	0	9784416446
ReturnHeader/Filer/USAddress/AddressLine1	0	c/o 34 John St
ReturnHeader/Filer/USAddress/City	0	Lowell
ReturnHeader/Filer/USAddress/State	0	MA
ReturnHeader/Filer/USAddress/ZIPCode	0	01852
ReturnHeader/Officer/AuthorizeThirdParty	0	true
ReturnHeader/Officer/DateSigned	0	2013-11-14
ReturnHeader/Officer/Name	0	John Pratt Jr
ReturnHeader/Officer/Title	0	VP/Treasurer
ReturnHeader/PreparerFirm/PreparerFirmBusinessName/BusinessNameLine1	0	Stafford Gaudet & Associates LLC
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/AddressLine1	0	19 Fletcher St PO Box 367
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/City	0	Chelmsford
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/State	0	MA
ReturnHeader/PreparerFirm/PreparerFirmUSAddress/ZIPCode	0	01824
ReturnHeader/Preparer/Name	0	Brian J Stafford CPA MST
ReturnHeader/Preparer/Phone	0	9782500300
ReturnHeader/Preparer/SelfEmployed	0	X
ReturnHeader/ReturnType	0	990EZ
ReturnHeader/TaxPeriodBeginDate	0	2012-07-01
ReturnHeader/TaxPeriodEndDate	0	2013-06-30
ReturnHeader/TaxYear	0	2012
ReturnHeader/Timestamp	0	2013-11-14T13:31:12-08:00

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2013 • Form 990EZFacts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing

Assets: $46,057
Liabilities: $0
Net assets: $46,057
Revenue: $56,034
Expenses: $56,984
Net income: -$950

	Balance Sheet			Operations
Year	Assets	Liabilities	Net Assets	Revenue	Expenses	Net Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$0.38	$0.00	$0.38	$0.85	$0.91	$0.06
2024Detailed filing. Detailed filing data is available for this year.	$0.44	$0.00	$0.44	$0.75	$0.89	$0.14
2023Detailed filing. Detailed filing data is available for this year.	$0.58	$0.00	$0.58	$0.85	$1.16	$0.31
2022Detailed filing. Detailed filing data is available for this year.	$0.90	$0.00	$0.90	$1.16	$1.13	$0.03
2021Detailed filing. Detailed filing data is available for this year.	$0.87	$0.00	$0.87	$0.68	$0.42	$0.27
2020Detailed filing. Detailed filing data is available for this year.	$0.58	$0.00	$0.58	$0.55	$0.38	$0.17
2019Detailed filing. Detailed filing data is available for this year.	$0.42	$0.00	$0.42	$0.54	$0.80	$0.26
2018Detailed filing. Detailed filing data is available for this year.	$0.68	$0.00	$0.68	$0.50	$0.47	$0.03
2017Detailed filing. Detailed filing data is available for this year.	$0.65	$0.00	$0.65	$0.65	$0.62	$0.03
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.	$0.62	$0.00	$0.62	$0.55	$0.47	$0.08
2015Detailed filing. Detailed filing data is available for this year.	$0.54	$0.00	$0.54	$0.56	$0.49	$0.06
2014Detailed filing. Detailed filing data is available for this year.	$0.47	$0.00	$0.47	$0.59	$0.58	$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.	$0.46	$0.00	$0.46	$0.56	$0.57	$0.01
2012Summary only. Only limited summary data is available for this year.	$0.47	$0.00		$0.48	$0.54	$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.	$0.53		$0.53	$0.56	$0.66	$0.10