Civic Intelligence

Southeastern Massachusetts Credit Grantors Inc

990EZ • Fiscal year 2015 • EIN 04-3011000

Sep 01, 2014 to Aug 31, 2015 • Filed on Dec 11, 2015

Organization Profilewww.snecg.org
330 Swansea Mall DriveSwansea, MA 02777

(508) 675-4491

Siviq Scores

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

Liabilities / Assets

47th percentile

0.00x

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

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Liabilities / Revenue

47th percentile

0.00x

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

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Net Margin

80th percentile

17%

Higher net margin than 80% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Top Officer Pay

69th percentile

$0

Higher top officer pay than 69% of similar nonprofits.

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

2015 filings • 501(c)6 • <$500k nonprofits • Source year 2015

Asset Growth

62nd percentile

8.3%

Faster asset growth than 62% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Annualized from 2014 to 2015

Revenue Growth

88th percentile

32%

Faster revenue growth than 88% of similar nonprofits.

2015 filings • 501(c)6 • <$500k nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets47th percentile

Assets

Up

$54,431

Up $4,172 (+8.3%) from 2014

Net Assets

Up

$54,431

Up $4,172 (+8.3%) from 2014

Liabilities

Flat

$0

Flat from 2014

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin80th percentile

Revenue

Up

$25,048

Up $6,117 (+32%) from 2014

Expenses

Up

$20,876

Up $773 (+3.8%) from 2014

Net Income

Up

$4,172

Up $5,344 (+456%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth62nd percentile

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

$60K$40K$20K$0Assets 2010: $51,257Liabilities 2010: $02010Assets 2011: $52,773Net Assets 2011: $52,7732011Assets 2012: $50,114Net Assets 2012: $50,1142012Assets 2013: $51,431Liabilities 2013: $0Net Assets 2013: $51,4312013Assets 2014: $50,259Liabilities 2014: $0Net Assets 2014: $50,2592014Assets 2015: $54,431Liabilities 2015: $0Net Assets 2015: $54,4312015Assets 2016: $54,946Liabilities 2016: $02016Assets 2017: $50,745Liabilities 2017: $0Net Assets 2017: $50,7452017Assets 2018: $48,880Net Assets 2018: $48,8802018Assets 2019: $0Net Assets 2019: $02019

Highlighted filing

2015

Assets$54,431
Liabilities$0
Net Assets$54,431
Open 2015 Filing

Operations Trend

Revenue Growth88th percentile

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

$40K$20K$0-$20K-$40KRevenue 2010: $16,931Expenses 2010: $16,871Net Income 2010: $602010Revenue 2011: $15,863Expenses 2011: $14,347Net Income 2011: $1,5162011Revenue 2012: $17,246Expenses 2012: $19,905Net Income 2012: -$2,6592012Revenue 2013: $19,392Expenses 2013: $18,075Net Income 2013: $1,3172013Revenue 2014: $18,931Expenses 2014: $20,103Net Income 2014: -$1,1722014Revenue 2015: $25,048Expenses 2015: $20,876Net Income 2015: $4,1722015Revenue 2016: $21,985Expenses 2016: $21,470Net Income 2016: $5152016Revenue 2017: $17,798Expenses 2017: $21,999Net Income 2017: -$4,2012017Revenue 2018: $14,938Expenses 2018: $16,803Net Income 2018: -$1,8652018Revenue 2019: $8,330Expenses 2019: $28,922Net Income 2019: -$20,5922019

Highlighted filing

2015

Revenue$25,048
Expenses$20,876
Net Income$4,172
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Sep 1, 2014 to Aug 31, 2015
Signed
Dec 11, 2015
Return Version
2014v5.0
Gross Receipts
$34,607
Mission and Program Overview

Mission

The Organization's mission is to support and educate those businesses engaged in the extension of retail credit.

To bring together those engaged in the extending and management of credit by the credit grantors of southeastern Massachusetts; to promote protective, educational and social intercourse; to guard against fraud and imposition; to cooperate with kindred associations; to improve existing methods for the collection and diffusion of date related to credit; to create greater uniformity in usage of trade; and to establish closer ties of business whereby the welfare of all may be advanced.

Program Services

DescriptionGrantsExpenses
Providing scholarships (based on academic standing and need) to college students and contributions to other non-profit organizations.$20,876-
Compensation and Service Providers
Top Officer Pay69th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kerri GomesTreasurer-$0--
Cheryl BeauvaisDirector-$0--
Anabela VasconcelosPresident-$0--
Nancy SilvaVice President-$0--
Benjamin DerouchieDirector-$0--
Tracy HalliseyDirector-$0--
Gail A ColellaSecretary-$0--
Lindsay A BerriaultDirector-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Outing$15,470$15,470$8,740$6,730
Total Events$15,470$15,470$8,740$6,730
Filing and Contact Details

Filer

Filer Name
Southeastern Massachusetts
EIN
04-3011000
Phone
5086754491
Address
330 Swansea Mall Drive, Swansea, MA 02777

Signing Officer

Name
Nancy Silva
Title
Vice President
Signed
2015-12-11
Discuss with paid preparer
Yes

Preparer

Firm
Ruane & Company LLP
Address
22 Mill Street Suite 108, Arlington, MA 02476
Preparer
Adam M Domow CPA
Phone
7816430090
Supplemental Narrative

Additional Explanations

Other Expenses.1001

“Advertising and Promotion $319”

Other Expenses.1

“Meeting Expense $8269”

Other Expenses.2

“Miscellaneous $392”

Other Expenses.3

“Website Costs $285”

Other Expenses.4

“Supplies $274”

Other Expenses.6

“Filing Fees $15”

Other Expenses.7

“Bank Service Charges $9”

Raw XML Appendix142 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/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0Kerri Gomes
IRS990EZ/BooksInCareOfDetail/PhoneNum05086754435
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0330 Swansea Mall Drive
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Swansea
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd002777
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt050259
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt054431
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt04172
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0450
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form720FiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt050259
IRS990EZ/Form990TotalAssetsGrp/EOYAmt054431
IRS990EZ/FundraisingGrossIncomeAmt017025
IRS990EZ/GrantsAndSimilarAmountsPaidAmt010750
IRS990EZ/GrossReceiptsAmt034607
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt062
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt017520
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt050259
IRS990EZ/NetAssetsOrFundBalancesEOYAmt054431
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt050259
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt054431
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt61.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt71.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Kerri Gomes
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Cheryl Beauvais
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Anabela Vasconcelos
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Nancy Silva
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Benjamin Derouchie
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Tracy Hallisey
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Gail A Colella
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7Lindsay A Berriault
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationFiled990TInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt09563
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0To bring together those engaged in the extending and management of credit by the credit grantors of southeastern Massachusetts; to promote protective, educational and social intercourse; to guard against fraud and imposition; to cooperate with kindred associations; to improve existing methods for the collection and diffusion of date related to credit; to create greater uniformity in usage of trade; and to establish closer ties of business whereby the welfare of all may be advanced.
IRS990EZ/PrintingPublicationsPostageAmt0113
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Providing scholarships (based on academic standing and need) to college students and contributions to other non-profit organizations.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt020876
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt09559
IRS990EZ/SpecialEventsNetIncomeLossAmt07466
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt020876
IRS990EZ/TotalProgramServiceExpensesAmt020876
IRS990EZ/TotalRevenueAmt025048
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.snecg.org
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt08740
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0Golf Outing
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt015470
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt015470
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt015470
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt015470
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt06730
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt08740
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt08740
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Advertising and Promotion $319
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Meeting Expense $8269
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Miscellaneous $392
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Website Costs $285
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Supplies $274
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Filing Fees $15
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Bank Service Charges $9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1001
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Expenses.6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Expenses.7
ReturnHeader/BuildTS02016-04-25 22:37:26Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Nancy Silva
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Vice President
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-12-11
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Southeastern Massachusetts
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0Credit Grantors Inc
ReturnHeader/Filer/BusinessNameControlTxt0SOUT
ReturnHeader/Filer/EIN0043011000
ReturnHeader/Filer/PhoneNum05086754491
ReturnHeader/Filer/USAddress/AddressLine1Txt0330 Swansea Mall Drive
ReturnHeader/Filer/USAddress/CityNm0Swansea
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002777
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Ruane & Company LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt022 Mill Street Suite 108
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Arlington
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002476
ReturnHeader/PreparerPersonGrp/PhoneNum07816430090
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Adam M Domow CPA
ReturnHeader/ReturnTs02015-12-11T06:38:58-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02014-09-01
ReturnHeader/TaxPeriodEndDt02015-08-31
ReturnHeader/TaxYr02014

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$54,431
Liabilities
$0
Net assets
$54,431
Revenue
$25,048
Expenses
$20,876
Net income
$4,172
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.00$0.00$8.33$28.9$20.6
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$48.9$48.9$14.9$16.8$1.87
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$50.7$0.00$50.7$17.8$22.0$4.20
2016Summary only. Only limited summary data is available for this year.$54.9$0.00$22.0$21.5$0.52
2015Detailed filing. Detailed filing data is available for this year.$54.4$0.00$54.4$25.0$20.9$4.17
2014Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$50.3$0.00$50.3$18.9$20.1$1.17
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$51.4$0.00$51.4$19.4$18.1$1.32
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$50.1$50.1$17.2$19.9$2.66
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$52.8$52.8$15.9$14.3$1.52
2010Summary only. Only limited summary data is available for this year.$51.3$0.00$16.9$16.9$0.06