Civic Intelligence

Merrimack Valley Housing Partnership Inc.

EIN 04-2950316 • 501(c)3 • Lowell, MA

Pub. 78 Eligible

Profile

To promote responsible and sustainable home ownership opportunities for low and moderate income earners by producing comprehensive training and counseling, as well as promoting the use of special mortgage products and down payment assistance programs.

664 Merrimack StreetLowell, MA 01854

www.mvhp.org

Siviq Scores

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

Liabilities / Assets

75th percentile

0.31x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

87th percentile

0.89x

Higher debt load relative to revenue than 87% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Net Margin

16th percentile

-17%

Higher net margin than 16% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

82nd percentile

$147,151

Higher top officer pay than 82% of similar nonprofits.

Top officer pay equals 15.6% of source-year revenue.

501(c)3 • $1M-$5M nonprofits • Source year 2025

Asset Growth

13th percentile

-14%

Faster asset growth than 13% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

11th percentile

-30%

Faster revenue growth than 11% of similar nonprofits.

501(c)3 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets75th percentile

Assets

Down

$2,700,292

Down $439,302 (-14%) from 2024

Liabilities

Down

$842,396

Down $361,942 (-30%) from 2024

Net Assets

Down

$1,857,896

Down $77,360 (-4.0%) from 2024

Operations
Liabilities / Revenue87th percentileNet Margin16th percentile

Revenue

Down

$943,146

Down $410,676 (-30%) from 2024

Expenses

Down

$1,107,642

Down $166,589 (-13%) from 2024

Net Income

Down

-$164,496

Down $244,087 (-307%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth13th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $863,451Liabilities 2011: $0Net Assets 2011: $863,4512011Assets 2012: $924,048Liabilities 2012: $0Net Assets 2012: $924,0482012Assets 2013: $964,555Liabilities 2013: $0Net Assets 2013: $964,5552013Assets 2014: $989,581Liabilities 2014: $0Net Assets 2014: $989,5812014Assets 2015: $950,800Liabilities 2015: $44Net Assets 2015: $950,7562015Assets 2016: $979,960Liabilities 2016: $0Net Assets 2016: $979,9602016Assets 2017: $1,111,016Liabilities 2017: $0Net Assets 2017: $1,111,0162017Assets 2018: $1,001,782Liabilities 2018: $60,000Net Assets 2018: $941,7822018Assets 2019: $1,131,023Liabilities 2019: $0Net Assets 2019: $1,131,0232019Assets 2020: $1,344,810Liabilities 2020: $10,049Net Assets 2020: $1,334,7612020Assets 2021: $1,531,559Liabilities 2021: $9,266Net Assets 2021: $1,522,2932021Assets 2022: $1,472,655Liabilities 2022: $11,259Net Assets 2022: $1,461,3962022Assets 2023: $1,751,432Liabilities 2023: $6,181Net Assets 2023: $1,745,2512023Assets 2024: $3,139,594Liabilities 2024: $1,204,338Net Assets 2024: $1,935,2562024Assets 2025: $2,700,292Liabilities 2025: $842,396Net Assets 2025: $1,857,8962025

Highlighted filing

2025

Assets$2,700,292
Liabilities$842,396
Net Assets$1,857,896
Open 2025 Filing

Operations Trend

Revenue Growth11th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $319,601Expenses 2011: $316,665Net Income 2011: $2,9362011Revenue 2012: $404,536Expenses 2012: $343,939Net Income 2012: $60,5972012Revenue 2013: $389,515Expenses 2013: $349,008Net Income 2013: $40,5072013Revenue 2014: $375,765Expenses 2014: $350,739Net Income 2014: $25,0262014Revenue 2015: $293,650Expenses 2015: $332,475Net Income 2015: -$38,8252015Revenue 2016: $435,240Expenses 2016: $406,036Net Income 2016: $29,2042016Revenue 2017: $490,778Expenses 2017: $359,722Net Income 2017: $131,0562017Revenue 2018: $181,891Expenses 2018: $351,125Net Income 2018: -$169,2342018Revenue 2019: $627,010Expenses 2019: $437,769Net Income 2019: $189,2412019Revenue 2020: $496,670Expenses 2020: $416,023Net Income 2020: $80,6472020Revenue 2021: $464,964Expenses 2021: $416,123Net Income 2021: $48,8412021Revenue 2022: $631,649Expenses 2022: $462,890Net Income 2022: $168,7592022Revenue 2023: $675,757Expenses 2023: $524,967Net Income 2023: $150,7902023Revenue 2024: $1,353,822Expenses 2024: $1,274,231Net Income 2024: $79,5912024Revenue 2025: $943,146Expenses 2025: $1,107,642Net Income 2025: -$164,4962025

Highlighted filing

2025

Revenue$943,146
Expenses$1,107,642
Net Income-$164,496
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$2,700,292
Liabilities
$842,396
Net assets
$1,857,896
Revenue
$943,146
Expenses
$1,107,642
Net income
-$164,496
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.70$0.84$1.86$0.94$1.11$0.16
2024Detailed filing. Detailed filing data is available for this year.$3.14$1.20$1.94$1.35$1.27$0.08
2023Detailed filing. Detailed filing data is available for this year.$1.75$0.01$1.75$0.68$0.52$0.15
2022Detailed filing. Detailed filing data is available for this year.$1.47$0.01$1.46$0.63$0.46$0.17
2021Detailed filing. Detailed filing data is available for this year.$1.53$0.01$1.52$0.46$0.42$0.05
2020Detailed filing. Detailed filing data is available for this year.$1.34$0.01$1.33$0.50$0.42$0.08
2019Detailed filing. Detailed filing data is available for this year.$1.13$0.00$1.13$0.63$0.44$0.19
2018Detailed filing. Detailed filing data is available for this year.$1.00$0.06$0.94$0.18$0.35$0.17
2017Detailed filing. Detailed filing data is available for this year.$1.11$0.00$1.11$0.49$0.36$0.13
2016Detailed filing. Detailed filing data is available for this year.$0.98$0.00$0.98$0.44$0.41$0.03
2015Summary only. Only limited summary data is available for this year.$0.95$0.00$0.95$0.29$0.33$0.04
2014Summary only. Only limited summary data is available for this year.$0.99$0.00$0.99$0.38$0.35$0.03
2013Summary only. Only limited summary data is available for this year.$0.96$0.00$0.96$0.39$0.35$0.04
2012Summary only. Only limited summary data is available for this year.$0.92$0.00$0.92$0.40$0.34$0.06
2011Summary only. Only limited summary data is available for this year.$0.86$0.00$0.86$0.32$0.32$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Apr 14, 2026
Return Version
2025v4.1
Gross Receipts
$1,038,704
Mission and Program Overview

Mission

To promote responsible and sustainable home ownership opportunities for low and moderate income earners by producing comprehensive training and counseling, as well as promoting the use of special mortgage products and down payment assistance programs.

To promote responsibility and sustainable home ownership opportunities for low and moderate income earners.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$636,485$719,769▲ $83,284
Land, Buildings, and Equipment, Net$534,583$498,095▼ $36,488
Cash and Non-Interest-Bearing Accounts$297,598$236,319▼ $61,279
Savings and Temporary Cash Investments$257,318$221,378▼ $35,940
Pledges and Grants Receivable$13,996$68,093▲ $54,097
Prepaid Expenses and Deferred Charges$27,167$10,242▼ $16,925
Accounts Receivable$23,422$4,850▼ $18,572
Total Assets$3,133,192$2,700,292▼ $432,900
Other Assets Total$1,342,623$941,546▼ $401,077
Liabilities
Other Liabilities$796,843$779,551▼ $17,292
Accounts Payable and Accrued Expenses$407,495$35,061▼ $372,434
Mortgage Notes Payable Secured by Investment Property-$27,784-
Total Liabilities$1,204,338$842,396▼ $361,942
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,914,757$1,687,202▼ $227,555
Net Assets With Donor Restrictions$14,097$170,694▲ $156,597
Total Net Assets Fund Balance$1,928,854$1,857,896▼ $70,958
Total Liabilities and Net Assets / Fund Balance$3,133,192$2,700,292▼ $432,900

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$498,095$82,422$580,517
Other Assets Org$616,075--

Endowment Activity

PeriodBeginningContrib.Gain/LossOther UsesEnd
2025$565,086-▲ $30,755-$321,304
2024$509,022-▲ $78,981-$565,086
2023$457,632-▲ $73,202-$509,022
2022$569,183-▼ $90,748-$457,632
2021$489,063-▲ $73,837-$544,183
Compensation and Service Providers
Top Officer Pay82nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cathy MercadoExecutive DirectorFT$115,012$32,139$147,151

Board Members and Trustees

NameTitle
Christine MartelloPresident
Mercy AnampiuVice President
Ann NgethDirector
Carl W HowellDirector
Germaine Vigeant-TrudelDirector
Isabel CruzDirector
Joseph LussierDirector
Kristina VangosDirector
Maria McDuffie ClarkDirector
Marianela VazquezDirector
Marisol NobregaDirector
Mayte RamosDirector
Paulette Renault-CaragianesDirector
Bethany WatsonClerk
Francey SlaterTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Acre Crossing LLCLeasehold Improvements, Rent2 Leitrim Lane, Chelmsford, MA 01824$392,477
Revenue and Support

Revenue Composition

Contributions and Grants
$783,657
Program Service Revenue
$121,873
Investment Income
$37,616
Other Revenue
$0
All Other Contributions
$467,557
Change in Net Assets
$-164,496

Audited Revenue Reconciliation

Revenue per Audited Statements
$935,887
Revenue Not Reported on Financial Statements
$7,259
Revenue Not Reported on Form 990
$93,538
Total Revenue per Audited Statements
$1,029,425
Total Revenue per Form 990
$943,146
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$577,479
Salaries, Compensation, and Employee Benefits$530,163
Total Fundraising Expense$195,350
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$216,044$61,727$30,864$308,635
Depreciation Depletion$140,982$40,281$20,140$201,403
Current Officers, Directors, Trustees, and Key Employees$103,006$29,430$14,715$147,151
Fees for Services Other$44,391$7,867$3,933$56,191
Information Technology$30,450$8,700$4,350$43,500
Interest$28,397$8,113$4,057$40,567
Fees for Services Accounting-$40,260-$40,260
Other Employee Benefits$26,906$7,687$3,844$38,437
Office Expenses$25,201$7,200$3,600$36,001
Payroll Taxes$25,158$7,188$3,594$35,940
Occupancy$10,639$3,039$1,520$15,198
Fees for Service Investment Mgmnt Fees-$7,259-$7,259
Advertising$4,734$1,353$676$6,763
All Other Expenses$5,669$209$343$6,221
Other Expenses$2,962$847$423$4,232
Insurance$2,440$696$349$3,485
Travel$2,159$617$308$3,084
Conferences and Meetings$1,426$407$204$2,037
Total Functional Expenses$674,982$237,310$195,350$1,107,642

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,107,642
Expenses per Audited Statements$1,100,383
Total Expenses per Audited Statements$1,100,383
Expenses Not Reported on Financial Statements$7,259
Expenses Not Reported on Form 990$0
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
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Finance Lease Liability - Long Term$758,936
Finance Lease Liability - Short Term$20,615
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“Executive Director and Board review and approve the 990 before filing.”

Form 990, Part VI, Section B, line 12C

“Board members and employees must provide annual written disclosure of conflicts of interest and must immediately disclose and abstain from any decision regarding such conflict of interest.”

Form 990, Part VI, Section B, line 15A

“The Board approves the Executive Director's compensation directly and compensation of other employees indirectly through approval of the annual budget.”

Form 990, Part VI, Section C, line 19

“Distributed with funding proposals and are made available upon request.”

Filing and Contact Details

Filer

Filer Name
Merrimack Valley Housing
EIN
04-2950316
Phone
9784598490
Address
664 Merrimack Street, Lowell, MA 01854

Signing Officer

Name
Francey Slater
Title
Treasurer
Phone
9784598490
Signed
2026-04-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Francey Slater
Formed
1986
Legal Domicile
Ma
Voting Board Members
14
Independent Board Members
14
Employees
12
Volunteers
105

Preparer

Firm
Grassi Advisory Group Inc
Address
6 Omni Way Suite 201, Chelmsford, MA 01824
Preparer
Jayne A Andrews
Phone
9784522500
Supplemental Narrative

Additional Explanations

Form 990, Part XI, line 9:

“Change in NAV of Beneficial Interest in Agency Endowment Fund 30,756.”

Financial Statement Notes

Part X, Line 2:

“The Organization, incorporated under Chapter 180 of the Massachusetts General Laws as a tax-exempt entity, has been granted tax-exempt status under the Internal Revenue Code (IRC) Section 501(c)(3) and is classified as other than a private foundation as defined by section 509(a) of the IRC. Therefore, it is generally exempt from federal and state income taxes. Accordingly, no provision for income taxes is provided for in the accompanying financial statements. The Organization is required by ASC 740-10, "Accounting for Uncertainty in Income Taxes," to evaluate and disclose tax positions that could have an effect on the Organization's financial statements. The Organization reports its activities to the Internal Revenue Service and the Commonwealth of Massachusetts on informational returns that are generally subject to audit and review by the governmental agencies for a period of three years after filing. Management believes it is no longer subject to review by taxing authorities for periods prior to 2022. Substantially all of the Organization's income, expenditures and activities relate to its exempt purpose. Therefore, management has determined that the Organization is not subject to unrelated business income taxes and will continue to qualify as a tax-exempt not-for-profit entity.”

Part XI, Line 2D

“Change in Beneficial Interest in Agency Endowmenent $30,756”

Raw XML AppendixShowing 400 of 579 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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IRS990/Form990PartVIISectionAGrp/PersonNm7Marisol Nobrega
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IRS990/Form990PartVIISectionAGrp/PersonNm15Cathy Mercado
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IRS990/MissionDesc0To promote responsible and sustainable home ownership opportunities for low and moderate income earners by producing comprehensive training and counseling, as well as promoting the use of special mortgage products and down payment assistance programs.
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IRS990/ProgSrvcAccomActy2Grp/Desc0For training series graduates, MVHP provides 1:1 home buyer counseling for no additional cost. This includes credit building, savings plans, building the team (agent, lender, inspector), and guidance on eligibility for programs such as down payment assistance and Section 8 to Homeownership.
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