Civic Intelligence

Partnership for Financial Equity Inc

EIN 04-3093735 • 501(c)6 • Readville, MA

Profile

To bring together community organizations and financial institutions to affect positive change in the availability of credit and financial services across massachusetts by encouraging community investment in low- and moderate-income and underserved neighborhoods.

PO Box 99Readville, MA 02137

mcbc.info

Siviq Scores

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

Liabilities / Assets

51st percentile

0.00x

Higher debt load relative to assets than 51% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

54th percentile

0.00x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

75th percentile

15%

Higher net margin than 75% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

99th percentile

$150,000

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 50.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

45th percentile

-3.9%

Faster asset growth than 45% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

43rd percentile

-4.9%

Faster revenue growth than 43% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets51st percentile

Assets

Down

$377,441

Down $15,231 (-3.9%) from 2023

Liabilities

Down

$663

Down $24,000 (-97%) from 2023

Net Assets

Up

$376,778

Up $8,769 (+2.4%) from 2023

Operations
Liabilities / Revenue54th percentileNet Margin75th percentile

Revenue

Down

$299,724

Down $15,301 (-4.9%) from 2023

Expenses

Up

$253,955

Up $17,030 (+7.2%) from 2023

Net Income

Down

$45,769

Down $32,331 (-41%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth45th percentile

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

$400K$300K$200K$100K$0Assets 2011: $258,818Liabilities 2011: $2,500Net Assets 2011: $256,3182011Assets 2012: $259,456Liabilities 2012: $2,500Net Assets 2012: $256,9562012Assets 2013: $242,571Liabilities 2013: $2,501Net Assets 2013: $240,0702013Assets 2014: $195,201Liabilities 2014: $553Net Assets 2014: $194,6482014Assets 2015: $194,730Liabilities 2015: $7,905Net Assets 2015: $186,8252015Assets 2016: $177,240Liabilities 2016: $0Net Assets 2016: $177,2402016Assets 2017: $175,083Liabilities 2017: $8,552Net Assets 2017: $166,5312017Assets 2018: $171,993Liabilities 2018: $5,451Net Assets 2018: $166,5422018Assets 2019: $171,209Liabilities 2019: $5,528Net Assets 2019: $165,6812019Assets 2020: $198,946Liabilities 2020: $30,900Net Assets 2020: $168,0462020Assets 2021: $261,915Liabilities 2021: $55,351Net Assets 2021: $206,5642021Assets 2022: $290,690Liabilities 2022: $781Net Assets 2022: $289,9092022Assets 2023: $392,672Liabilities 2023: $24,663Net Assets 2023: $368,0092023Assets 2024: $377,441Liabilities 2024: $663Net Assets 2024: $376,7782024

Highlighted filing

2024

Assets$377,441
Liabilities$663
Net Assets$376,778
Open 2024 Filing

Operations Trend

Revenue Growth43rd percentile

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

$400K$300K$200K$100K$0-$100KRevenue 2011: $125,008Expenses 2011: $125,469Net Income 2011: -$4612011Revenue 2012: $124,235Expenses 2012: $123,597Net Income 2012: $6382012Revenue 2013: $100,043Expenses 2013: $116,929Net Income 2013: -$16,8862013Revenue 2014: $103,051Expenses 2014: $148,473Net Income 2014: -$45,4222014Revenue 2015: $118,325Expenses 2015: $126,148Net Income 2015: -$7,8232015Revenue 2016: $120,341Expenses 2016: $129,926Net Income 2016: -$9,5852016Revenue 2017: $122,198Expenses 2017: $132,907Net Income 2017: -$10,7092017Revenue 2018: $113,038Expenses 2018: $113,027Net Income 2018: $112018Revenue 2019: $139,798Expenses 2019: $140,659Net Income 2019: -$8612019Revenue 2020: $147,912Expenses 2020: $145,547Net Income 2020: $2,3652020Revenue 2021: $142,065Expenses 2021: $103,547Net Income 2021: $38,5182021Revenue 2022: $189,279Expenses 2022: $105,934Net Income 2022: $83,3452022Revenue 2023: $315,025Expenses 2023: $236,925Net Income 2023: $78,1002023Revenue 2024: $299,724Expenses 2024: $253,955Net Income 2024: $45,7692024

Highlighted filing

2024

Revenue$299,724
Expenses$253,955
Net Income$45,769
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$377,441
Liabilities
$663
Net assets
$376,778
Revenue
$299,724
Expenses
$253,955
Net income
$45,769
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$3.77$0.01$3.77$3.00$2.54$0.46
2023Detailed filing. Detailed filing data is available for this year.$3.93$0.25$3.68$3.15$2.37$0.78
2022Detailed filing. Detailed filing data is available for this year.$2.91$0.01$2.90$1.89$1.06$0.83
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.62$0.55$2.07$1.42$1.04$0.39
2020Detailed filing. Detailed filing data is available for this year.$1.99$0.31$1.68$1.48$1.46$0.02
2019Detailed filing. Detailed filing data is available for this year.$1.71$0.06$1.66$1.40$1.41$0.01
2018Detailed filing. Detailed filing data is available for this year.$1.72$0.05$1.67$1.13$1.13$0.00
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.75$0.09$1.67$1.22$1.33$0.11
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.77$0.00$1.77$1.20$1.30$0.10
2015Detailed filing. Detailed filing data is available for this year.$1.95$0.08$1.87$1.18$1.26$0.08
2014Detailed filing. Detailed filing data is available for this year.$1.95$0.01$1.95$1.03$1.48$0.45
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.43$0.03$2.40$1.00$1.17$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.59$0.03$2.57$1.24$1.24$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.59$0.03$2.56$1.25$1.25$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
Feb 2, 2025
Return Version
2023v6.0
Gross Receipts
$299,724
Mission and Program Overview

Mission

To bring together community organizations and financial institutions to affect positive change in the availability of credit and financial services across massachusetts by encouraging community investment in low and moderate income and minority group neighborhoods and providing research, other information, assistance and direction in understanding and addressing the credit and financial needs of low and moderate income individuals and neighborhoods.

To bring together community organizations and financial institutions to effect positive change in the availability of credit and financial services across massachusetts by encouraging community investment in low and moderate income and minority group neighborhoods.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$368,009$376,778▲ $8,769
Savings and Temporary Cash Investments$286,497$287,035▲ $538
Accounts Receivable$87,975$76,450▼ $11,525
Cash and Non-Interest-Bearing Accounts$18,200$1,956▼ $16,244
Total Assets$392,672$377,441▼ $15,231
Other Assets Total-$12,000-
Liabilities
Accounts Payable and Accrued Expenses$24,663$663▼ $24,000
Total Liabilities$24,663$663▼ $24,000
Net Assets / Fund Balance
Total Net Assets Fund Balance$368,009$376,778▲ $8,769
Total Liabilities and Net Assets / Fund Balance$392,672$377,441▼ $15,231

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$24,907$24,907
Other Assets Org$12,000--
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Thomas CallahanExecutive DirectorFT$150,000$150,000

Board Members and Trustees

NameTitle
Brook AmesChair
Darrell ByersVice Chair
Ana HammockDirector
Delisa JosephDirector
Gonzalo PuigboDirector
Graham ChapmanDirector
Jason AndradeDirector
Joseph KriesbergDirector
Karen FrederickDirector
Karen KelleherDirector
Karl RenneyDirector
Lisa JoynerDirector
Maritza CrossenDirector
Mark ColettaDirector
Michelle MeiserDirector
Rosa OrdazDirector
Sabrina CorreiaDirector
Susan MurrayDirector
Thomas GoldenDirector
Vanessa GreeneDirector
Isabel CruzClerk
Symone CrawfordTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$291,186
Program Service Revenue
$0
Investment Income
$8,538
Other Revenue
$0
All Other Contributions
$60,011
Change in Net Assets
$45,769
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$162,228
Other Expenses$91,727
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$139,583--$139,583
Other Expenses$13,975--$13,975
Other Employee Benefits$11,967--$11,967
Office Expenses$11,293--$11,293
Payroll Taxes$10,678--$10,678
Travel$7,572--$7,572
Fees for Services Accounting$5,745--$5,745
Insurance$1,250--$1,250
Advertising$156--$156
Total Functional Expenses$253,955$0$0$253,955
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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 governing body review Part VI line 11

“The form 990 is reviewed in detail by the executive director and the president for accuracy.”

Conflict of interest policy compliance Part VI line 12C

“The organization regulary and consistently monitors and enforces compliance for the conflict of interest policy by requiring the officers, directors, and key employees to provide attestation in written and signed form.”

CEO executive director top management comp Part VI line 15A

“The organizations ceo and executive committee reviews and approves compensation for the executive director.”

Governing documents etc available to public Part VI line 19

“The organization makes its governing documents, conflict of interest policy, and financial statments available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Partnership for Financial Equity Inc
EIN
04-3093735
Address
PO BOX 99, READVILLE, MA 02137

Signing Officer

Name
Thomas Callahan
Title
Executive Direc
Phone
8009828268
Signed
2025-02-02
Discuss with paid preparer
No

Organization Details

Formed
1990
Legal Domicile
Ma
Voting Board Members
21
Independent Board Members
21
Employees
1

Preparer

Firm
Seacoast Accountability LLC
Address
40 WINTER STREET SUITE 308, ROCHESTER, NH 03867
Preparer
Yasir Mahmood Ea
Phone
6038341271
Raw XML AppendixShowing 400 of 487 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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