Civic Intelligence

Southeastern Massachusetts Credit Grantors Inc

990EZ • Fiscal year 2017 • EIN 04-3011000

Sep 01, 2016 to Aug 31, 2017 • Filed on Nov 22, 2017

Organization Profilewww.snecg.org
10 Cabot PlaceStoughton, MA 02072

(781) 573-1384

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.

2017 filings • 501(c)6 • <$500k nonprofits • Source year 2017

Liabilities / Revenue

47th percentile

0.00x

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

2017 filings • 501(c)6 • <$500k nonprofits • Source year 2017

Net Margin

11th percentile

-24%

Higher net margin than 11% of similar nonprofits.

2017 filings • 501(c)6 • <$500k nonprofits • Source year 2017

Top Officer Pay

70th percentile

$0

Higher top officer pay than 70% of similar nonprofits.

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

2017 filings • 501(c)6 • <$500k nonprofits • Source year 2017

Asset Growth

30th percentile

-7.6%

Faster asset growth than 30% of similar nonprofits.

2017 filings • 501(c)6 • <$500k nonprofits • Annualized from 2016 to 2017

Revenue Growth

17th percentile

-19%

Faster revenue growth than 17% of similar nonprofits.

2017 filings • 501(c)6 • <$500k nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets47th percentile

Assets

Down

$50,745

Down $4,201 (-7.6%) from 2016

Net Assets

$50,745

No earlier filing loaded for comparison.

Liabilities

Flat

$0

Flat from 2016

Revenue And Expenses
Liabilities / Revenue47th percentileNet Margin11th percentile

Revenue

Down

$17,798

Down $4,187 (-19%) from 2016

Expenses

Up

$21,999

Up $529 (+2.5%) from 2016

Net Income

Down

-$4,201

Down $4,716 (-916%) from 2016

Historical Trend

Balance Sheet Trend

Asset Growth30th 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

2017

Assets$50,745
Liabilities$0
Net Assets$50,745
Open 2017 Filing

Operations Trend

Revenue Growth17th 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

2017

Revenue$17,798
Expenses$21,999
Net Income-$4,201
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Sep 1, 2016 to Aug 31, 2017
Signed
Nov 22, 2017
Return Version
2016v3.0
Gross Receipts
$26,433
Mission and Program Overview

Mission

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

Program Services

DescriptionGrantsExpenses
Bringing together those engaged in the extending and management of credit by the credit grantors of southern New England states; promoting protective, educational and social intercourse; guarding against fraud and imposition; cooperating with kindred associations; improving existing methods for the collection and diffusion of data related to credit; creating greater uniformity in usage of trade; and establishing closer ties of business whereby the welfare of all are advanced.$12,449-
Providing scholarships (based on academic standing and need) to high school and college students within the local communities of our members.$9,550-
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lisa KenneyTreasurer-$0--
Diane AguiarDirector-$0--
Donna NovoDirector-$0--
Tracy HalliseyVice President-$0--
Kerri GomesPresident-$0--
Jennifer BenoitSecretary-$0--
Lindsay A BerriaultDirector-$0--
Ben DerouchieDirector-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Outing$14,240$7,908$5,896$2,012
Total Events$14,240$7,908$8,635$-727
Filing and Contact Details

Filer

Filer Name
Southern New England
EIN
04-3011000
Phone
7815731384
Address
10 Cabot Place, Stoughton, MA 02072

Signing Officer

Name
Lisa Kenney
Title
Vice President
Signed
2017-11-22
Discuss with paid preparer
Yes

Preparer

Firm
Ruane & Company LLP
Address
12 Alfred Street Suite 206, Woburn, MA 01801
Preparer
Adam M Domow CPA
Phone
7816430090
Supplemental Narrative

Additional Explanations

Other Expenses.1

“Meeting Expense $9126”

Other Expenses.2

“Website Costs $1015”

Other Expenses.3

“Gifts $845”

Other Expenses.4

“Advertising and Promotion $575”

Other Expenses.6

“Supplies $72”

Other Expenses.7

“MA Annual Report $55”

Other Expenses.8

“Bank Service Charges $39”

Raw XML Appendix151 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/PersonNm0Lisa Kenney
IRS990EZ/BooksInCareOfDetail/PhoneNum07815731384
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt010 Cabot Place
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Stoughton
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd002072
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt054946
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt050745
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt06332
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-4201
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0550
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form720FiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt054946
IRS990EZ/Form990TotalAssetsGrp/EOYAmt050745
IRS990EZ/FundraisingGrossIncomeAmt08919
IRS990EZ/GrantsAndSimilarAmountsPaidAmt09550
IRS990EZ/GrossReceiptsAmt026433
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt027
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt011155
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt054946
IRS990EZ/NetAssetsOrFundBalancesEOYAmt050745
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt054946
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt050745
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/PersonNm0Lisa Kenney
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Diane Aguiar
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Donna Novo
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Tracy Hallisey
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4Kerri Gomes
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5Jennifer Benoit
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6Lindsay A Berriault
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7Ben Derouchie
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Vice President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4President
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5Secretary
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationFiled990TInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt011727
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0The Organization's mission is to support and educate those businesses engaged in the extension of retail credit.
IRS990EZ/PrintingPublicationsPostageAmt0172
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Providing scholarships (based on academic standing and need) to high school and college students within the local communities of our members.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1Bringing together those engaged in the extending and management of credit by the credit grantors of southern New England states; promoting protective, educational and social intercourse; guarding against fraud and imposition; cooperating with kindred associations; improving existing methods for the collection and diffusion of data related to credit; creating greater uniformity in usage of trade; and establishing closer ties of business whereby the welfare of all are advanced.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt09550
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt112449
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt08635
IRS990EZ/SpecialEventsNetIncomeLossAmt0284
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt021999
IRS990EZ/TotalProgramServiceExpensesAmt021999
IRS990EZ/TotalRevenueAmt017798
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.snecg.org
IRS990ScheduleG/FundraisingEventInformationGrp/CashPrizesEvent1Amt0627
IRS990ScheduleG/FundraisingEventInformationGrp/CashPrizesTotalEventsAmt0627
IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContributionsTotAmt06332
IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContriEvent1Amt06332
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt08635
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0Golf Outing
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt02112
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt02112
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt014240
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt014240
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt07908
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt07908
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt0-727
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt05896
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt05896
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Meeting Expense $9126
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Website Costs $1015
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Gifts $845
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Advertising and Promotion $575
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Supplies $72
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5MA Annual Report $55
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Bank Service Charges $39
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Expenses.7
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Expenses.8
ReturnHeader/BuildTS02017-02-10 21:41:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Lisa Kenney
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Vice President
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-11-22
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Southern New England
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0Credit Grantors Inc
ReturnHeader/Filer/BusinessNameControlTxt0SOUT
ReturnHeader/Filer/EIN0043011000
ReturnHeader/Filer/PhoneNum07815731384
ReturnHeader/Filer/USAddress/AddressLine1Txt010 Cabot Place
ReturnHeader/Filer/USAddress/CityNm0Stoughton
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002072
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Ruane & Company LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt012 Alfred Street Suite 206
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Woburn
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001801
ReturnHeader/PreparerPersonGrp/PhoneNum07816430090
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Adam M Domow CPA
ReturnHeader/ReturnTs02017-11-22T08:44:11-08:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02016-09-01
ReturnHeader/TaxPeriodEndDt02017-08-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$50,745
Liabilities
$0
Net assets
$50,745
Revenue
$17,798
Expenses
$21,999
Net income
-$4,201
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
2017Detailed filing. Detailed filing data is available for this year.$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
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$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