Civic Intelligence

Nashoba Valley Chamber of Commerce

EIN 04-3256348 • 501(c)6 • Shirley, MA

Profile

To support and promote businesses, stimulate economic development and serve as a resource to improve the quality of life for the region.

2 Shaker Road Suite B200Shirley, MA 01464

www.nvcoc.com

Siviq Scores

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

Liabilities / Assets

86th percentile

0.30x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2023

Liabilities / Revenue

79th percentile

0.11x

Higher debt load relative to revenue than 79% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2023

Net Margin

18th percentile

-26%

Higher net margin than 18% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2023

Top Officer Pay

97th percentile

$104,320

Higher top officer pay than 97% of similar nonprofits.

Top officer pay equals 55.7% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2023

Asset Growth

15th percentile

-45%

Faster asset growth than 15% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

44th percentile

-3.9%

Faster revenue growth than 44% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets86th percentile

Assets

Down

$69,904

Down $57,726 (-45%) from 2022

Liabilities

Down

$21,165

Down $8,289 (-28%) from 2022

Net Assets

$48,739

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue79th percentileNet Margin18th percentile

Revenue

Down

$187,324

Down $7,624 (-3.9%) from 2022

Expenses

Up

$236,932

Up $19,199 (+8.8%) from 2022

Net Income

Down

-$49,608

Down $26,823 (-118%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth15th percentile

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

$150K$100K$50K$0Assets 2012: $121,186Liabilities 2012: $3,534Net Assets 2012: $117,6522012Assets 2013: $120,433Liabilities 2013: $1,823Net Assets 2013: $118,6102013Assets 2014: $121,636Liabilities 2014: $2,006Net Assets 2014: $119,6302014Assets 2015: $133,650Liabilities 2015: $3,251Net Assets 2015: $130,3992015Assets 2016: $135,817Liabilities 2016: $5,133Net Assets 2016: $130,6842016Assets 2017: $140,275Liabilities 2017: $7,435Net Assets 2017: $132,8402017Assets 2020: $113,471Liabilities 2020: $5,8462020Assets 2021: $127,271Liabilities 2021: $6,3102021Assets 2022: $127,630Liabilities 2022: $29,4542022Assets 2023: $69,904Liabilities 2023: $21,165Net Assets 2023: $48,7392023

Highlighted filing

2023

Assets$69,904
Liabilities$21,165
Net Assets$48,739
Open 2023 Filing

Operations Trend

Revenue Growth44th percentile

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

$300K$200K$100K$0-$100KRevenue 2012: $168,015Expenses 2012: $167,787Net Income 2012: $2282012Revenue 2013: $172,610Expenses 2013: $171,652Net Income 2013: $9582013Revenue 2014: $181,663Expenses 2014: $180,643Net Income 2014: $1,0202014Revenue 2015: $192,427Expenses 2015: $181,658Net Income 2015: $10,7692015Revenue 2016: $198,118Expenses 2016: $197,833Net Income 2016: $2852016Revenue 2017: $196,000Expenses 2017: $193,844Net Income 2017: $2,1562017Revenue 2020: $164,204Expenses 2020: $198,157Net Income 2020: -$33,9532020Revenue 2021: $195,492Expenses 2021: $182,155Net Income 2021: $13,3372021Revenue 2022: $194,948Expenses 2022: $217,733Net Income 2022: -$22,7852022Revenue 2023: $187,324Expenses 2023: $236,932Net Income 2023: -$49,6082023

Highlighted filing

2023

Revenue$187,324
Expenses$236,932
Net Income-$49,608
Open 2023 Filing

Filings

Most recent year

2023 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$69,904
Liabilities
$21,165
Net assets
$48,739
Revenue
$187,324
Expenses
$236,932
Net income
-$49,608
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.70$0.21$0.49$1.87$2.37$0.50
2022Summary only. Only limited summary data is available for this year.$1.28$0.29$1.95$2.18$0.23
2021Summary only. Only limited summary data is available for this year.$1.27$0.06$1.95$1.82$0.13
2020Summary only. Only limited summary data is available for this year.$1.13$0.06$1.64$1.98$0.34
2017Detailed filing. Detailed filing data is available for this year.$1.40$0.07$1.33$1.96$1.94$0.02
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.36$0.05$1.31$1.98$1.98$0.00
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.34$0.03$1.30$1.92$1.82$0.11
2014Detailed filing. Detailed filing data is available for this year.$1.22$0.02$1.20$1.82$1.81$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.20$0.02$1.19$1.73$1.72$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.21$0.04$1.18$1.68$1.68$0.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2022 to Jun 30, 2023
Signed
Jun 26, 2025
Return Version
2022v5.0
Gross Receipts
$187,324
Mission and Program Overview

Mission

To support and promote businesses, stimulate economic development and serve as a resource to improve the quality of life for the region.

Program Services

DescriptionGrantsExpenses
SERVED 450 MEMBERS IN THE CENTRAL MASSACHUSSETS AREA. HOSTED FOUR MAJOR MEMBERSHIP EVENTS AND NUMEROUS SMALLER PROGRAMS.--
Compensation and Service Providers
Top Officer Pay97th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
MELISSA FETTERHOFFPresident & CEOFT$104,320-$104,320
JOSE BANCHSChairmanPT$0--
MARK HILLIERVice Chair-$0--
MIKE COUTUTreasurer-$0--
JAMIE CONAGHANDirector-$0--
JOHN GERVAISDirector-$0--
CHARLIE NIKOPOULOSDirector-$0--
Filing and Contact Details

Filer

Filer Name
Nashoba Valley Chamber of Commerce
EIN
04-3256348
Phone
9784255761
Address
2 SHAKER ROAD SUITE B200, SHIRLEY, MA 01464

Signing Officer

Name
Melissa Fetterhoff
Title
President & CEO
Signed
2025-06-26
Discuss with paid preparer
Yes

Preparer

Firm
Dexter Stevens CPA
Address
PO Box 670, Ayer, MA 01432
Preparer
Dexter Stevens CPA
Phone
9787724465
Supplemental Narrative

Additional Explanations

Other Expenses.1001

“Advertising and Promotion $100”

Other Expenses.1002

“Office Expenses $30445”

Other Expenses.1005

“Travel $2118”

Other Expenses.1012

“Insurance $3679”

Other Expenses.1

“TELEPHONE $7692”

Other Expenses.2

“PAYROLL SERVICE $1904”

Other Expenses.3

“TRAINING SEMINAR $1903”

Other Expenses.4

“Dues & subscriptions $1891”

Other Assets.1011

“Prepaid Expenses and Deferred Charges - Beginning $1900 Prepaid Expenses and Deferred Charges - Ending $1900”

Total Liabilities.1

“- Beginning $29454 - Ending $21165”

Raw XML Appendix140 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/PersonNm0MELISSA FETTERHOFF
IRS990EZ/BooksInCareOfDetail/PhoneNum09784255761
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt02 SHAKER ROAD SUITE B200
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0SHIRLEY
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd001464
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0125901
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt068004
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-49608
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0127801
IRS990EZ/Form990TotalAssetsGrp/EOYAmt069904
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GrossReceiptsAmt0187324
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt0261
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt0154519
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt098347
IRS990EZ/NetAssetsOrFundBalancesEOYAmt048739
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt098347
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt048739
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt05.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt13.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt23.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt540.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt61.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt5104320
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JOSE BANCHS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1MARK HILLIER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2MIKE COUTU
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JAMIE CONAGHAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4JOHN GERVAIS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5MELISSA FETTERHOFF
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6CHARLIE NIKOPOULOS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Chairman
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4Director
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5President & CEO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6Director
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt01900
IRS990EZ/OtherAssetsTotalDetail/EOYAmt01900
IRS990EZ/OtherExpensesTotalAmt049732
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0TO SUPPORT AND PROMOTE BUSINESSES, STIMULATE ECONOMIC DEVELOPMENT AND SERVE AS A RESOURCE TO IMPROVE THE QUALITY OF LIFE FOR THE REGION.
IRS990EZ/PrintingPublicationsPostageAmt0687
IRS990EZ/ProgramServiceRevenueAmt032544
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0SERVED 450 MEMBERS IN THE CENTRAL MASSACHUSSETS AREA. HOSTED FOUR MAJOR MEMBERSHIP EVENTS AND NUMEROUS SMALLER PROGRAMS.
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt0186513
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt029454
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt021165
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt0236932
IRS990EZ/TotalRevenueAmt0187324
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.nvcoc.com
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Advertising and Promotion $100
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Office Expenses $30445
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Travel $2118
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Insurance $3679
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4TELEPHONE $7692
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5PAYROLL SERVICE $1904
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6TRAINING SEMINAR $1903
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7DUES & SUBSCRIPTIONS $1891
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Prepaid Expenses and Deferred Charges - Beginning $1900 Prepaid Expenses and Deferred Charges - Ending $1900
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9- Beginning $29454 - Ending $21165
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Other Expenses.1001
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Other Expenses.1002
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Other Expenses.1005
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Other Expenses.1012
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Other Expenses.1
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Other Expenses.2
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other Expenses.3
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Other Expenses.4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Other Assets.1011
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Total Liabilities.1
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MELISSA FETTERHOFF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President & CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-06-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NASHOBA VALLEY CHAMBER OF COMMERCE
ReturnHeader/Filer/BusinessNameControlTxt0NASH
ReturnHeader/Filer/EIN0043256348
ReturnHeader/Filer/PhoneNum09784255761
ReturnHeader/Filer/USAddress/AddressLine1Txt02 SHAKER ROAD SUITE B200
ReturnHeader/Filer/USAddress/CityNm0SHIRLEY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001464
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042890478
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Dexter Stevens CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 670
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Ayer
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd001432
ReturnHeader/PreparerPersonGrp/PhoneNum09787724465
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Dexter Stevens CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-06-30T14:52:29-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02022-07-01
ReturnHeader/TaxPeriodEndDt02023-06-30
ReturnHeader/TaxYr02022

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