Civic Intelligence

Cape & Islands Community Development Inc.

990 • Fiscal year 2025 • EIN 04-3286347

Jul 01, 2024 to Jun 30, 2025 • Filed on Sep 30, 2025

Organization ProfileWWW.COASTALCOMMUNITYCAPITAL.ORG
5 Patti Page Way BCenterville, MA 02632

(508) 790-4980

Siviq Scores

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

Liabilities / Assets

69th percentile

0.34x

Higher debt load relative to assets than 69% of similar nonprofits.

2025 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

91st percentile

2.11x

Higher debt load relative to revenue than 91% of similar nonprofits.

2025 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2025

Net Margin

85th percentile

34%

Higher net margin than 85% of similar nonprofits.

2025 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

76th percentile

$267,504

Higher top officer pay than 76% of similar nonprofits.

Top officer pay equals 12.9% of source-year revenue.

2025 filings • 501(c)3 • $10M-$25M nonprofits • Source year 2025

Asset Growth

45th percentile

3.2%

Faster asset growth than 45% of similar nonprofits.

2025 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

85th percentile

37%

Faster revenue growth than 85% of similar nonprofits.

2025 filings • 501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$12,844,702

Up $398,610 (+3.2%) from 2024

Net Assets

Up

$8,452,173

Up $708,018 (+9.1%) from 2024

Liabilities

Down

$4,392,529

Down $309,408 (-6.6%) from 2024

Revenue And Expenses
Liabilities / Revenue91st percentileNet Margin85th percentile

Revenue

Up

$2,079,597

Up $562,026 (+37%) from 2024

Expenses

Up

$1,371,579

Up $314,069 (+30%) from 2024

Net Income

Up

$708,018

Up $247,957 (+54%) from 2024

Historical Trend

Balance Sheet Trend

Asset Growth45th percentile

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

$15M$10M$5.0M$0Assets 2010: $4,405,027Liabilities 2010: $2,664,893Net Assets 2010: $1,740,1342010Assets 2011: $5,157,517Liabilities 2011: $2,795,889Net Assets 2011: $2,361,6282011Assets 2012: $6,014,874Liabilities 2012: $3,081,473Net Assets 2012: $2,933,4012012Assets 2013: $6,527,765Liabilities 2013: $3,500,652Net Assets 2013: $3,027,1132013Assets 2014: $7,092,684Liabilities 2014: $4,058,348Net Assets 2014: $3,034,3362014Assets 2015: $7,051,375Liabilities 2015: $3,959,216Net Assets 2015: $3,092,1592015Assets 2016: $7,335,740Liabilities 2016: $4,183,438Net Assets 2016: $3,152,3022016Assets 2017: $7,751,997Liabilities 2017: $4,589,249Net Assets 2017: $3,162,7482017Assets 2018: $8,070,640Liabilities 2018: $4,839,340Net Assets 2018: $3,231,3002018Assets 2019: $8,433,512Liabilities 2019: $5,146,826Net Assets 2019: $3,286,6862019Assets 2020: $8,737,664Liabilities 2020: $5,389,480Net Assets 2020: $3,348,1842020Assets 2021: $8,808,619Liabilities 2021: $5,281,611Net Assets 2021: $3,527,0082021Assets 2022: $11,230,018Liabilities 2022: $5,202,075Net Assets 2022: $6,027,9432022Assets 2023: $12,164,504Liabilities 2023: $4,880,410Net Assets 2023: $7,284,0942023Assets 2024: $12,446,092Liabilities 2024: $4,701,937Net Assets 2024: $7,744,1552024Assets 2025: $12,844,702Liabilities 2025: $4,392,529Net Assets 2025: $8,452,1732025

Highlighted filing

2025

Assets$12,844,702
Liabilities$4,392,529
Net Assets$8,452,173
Open 2025 Filing

Operations Trend

Revenue Growth85th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $582,1312010Revenue 2011: $1,257,255Expenses 2011: $635,761Net Income 2011: $621,4942011Expenses 2012: $626,8642012Revenue 2013: $841,507Expenses 2013: $747,795Net Income 2013: $93,7122013Revenue 2014: $911,355Expenses 2014: $904,132Net Income 2014: $7,2232014Revenue 2015: $698,637Expenses 2015: $640,814Net Income 2015: $57,8232015Revenue 2016: $724,644Expenses 2016: $664,501Net Income 2016: $60,1432016Revenue 2017: $671,399Expenses 2017: $672,053Net Income 2017: -$6542017Revenue 2018: $1,212,776Expenses 2018: $1,201,887Net Income 2018: $10,8892018Revenue 2019: $858,169Expenses 2019: $802,783Net Income 2019: $55,3862019Revenue 2020: $995,783Expenses 2020: $934,285Net Income 2020: $61,4982020Revenue 2021: $971,955Expenses 2021: $793,131Net Income 2021: $178,8242021Revenue 2022: $3,405,067Expenses 2022: $904,132Net Income 2022: $2,500,9352022Revenue 2023: $2,234,340Expenses 2023: $978,189Net Income 2023: $1,256,1512023Revenue 2024: $1,517,571Expenses 2024: $1,057,510Net Income 2024: $460,0612024Revenue 2025: $2,079,597Expenses 2025: $1,371,579Net Income 2025: $708,0182025

Highlighted filing

2025

Revenue$2,079,597
Expenses$1,371,579
Net Income$708,018
Open 2025 Filing
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Sep 30, 2025
Return Version
2024v5.0
Gross Receipts
$2,079,597
Mission and Program Overview

Mission

Organizations misson and most significant activity is to provide loans and technicial assistance to small business owners in barnstable,dukes and nantucket counties on cape cod massachusetts through the utilization of federal funds from the usda intermediary loan program (irp),usda rural microentrepreneur (map),and the u.s.treasury community development financial institutions fund (cdfi).

To provide loans and technical assistance to small business owners in massachusetts utilizing federal funds from usda intermediary relending program (irp), usda rural microentrrepreneur (rmap) and u.s treasury community development financial institutions fund (cdfi)

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$2,789,664$2,986,927▲ $197,263
Savings and Temporary Cash Investments$782,617$1,218,574▲ $435,957
Other Notes and Loans Receivable, Net$1,418,438$1,190,782▼ $227,656
Accounts Receivable$282,101$33,319▼ $248,782
Land, Buildings, and Equipment, Net$16,354$19,742▲ $3,388
Prepaid Expenses and Deferred Charges$6,010$3,264▼ $2,746
Total Assets$12,446,092$12,844,702▲ $398,610
Other Assets Total$7,150,908$7,392,094▲ $241,186
Liabilities
Mortgage Notes Payable Secured by Investment Property$4,604,688$4,310,157▼ $294,531
Other Liabilities$73,418$57,164▼ $16,254
Accounts Payable and Accrued Expenses$23,831$25,208▲ $1,377
Total Liabilities$4,701,937$4,392,529▼ $309,408
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$7,470,678$7,917,776▲ $447,098
Net Assets With Donor Restrictions$273,477$534,397▲ $260,920
Total Net Assets Fund Balance$7,744,155$8,452,173▲ $708,018
Total Liabilities and Net Assets / Fund Balance$12,446,092$12,844,702▲ $398,610

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$9,342$31,245$40,587
Leasehold Improvements$10,400$1,600$12,000
Other Land Buildings-$3,200$3,200
Other Assets Org$3,500--
Compensation and Service Providers
Top Officer Pay76th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jeannine MarshallFormer PresiFT$239,240$28,264$267,504
Jeannine MarshallFormer President-$239,240$28,264$267,504

Board Members and Trustees

NameTitle
Michael GiancolaChairman
Alex RodolakisVice Chair
Adriana MoschellaDirector
Erin PerryDirector
Jeff HanselDirector
Kelley SullivanDirector
Mary LenihanDirector
Rob ReisnerDirector
Mark SextonSecretary
Christopher MurphyTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$799,575
Program Service Revenue
$1,128,698
Investment Income
$68,812
Other Revenue
$82,512
All Other Contributions
$799,575
Change in Net Assets
$708,018

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,079,597
Total Revenue per Audited Statements
$2,079,597
Total Revenue per Form 990
$2,079,597
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$786,336
Other Expenses$585,243
Total Fundraising Expense$42,609
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$585,894$68,929$34,464$689,287
Fees for Services Accounting$16,765$87,179-$103,944
Payroll Taxes$42,632$5,015$2,508$50,155
Interest$48,390--$48,390
Other Employee Benefits$39,860$4,689$2,345$46,894
Information Technology$22,161$3,911-$26,072
Other Expenses$16,623$1,955$978$19,556
Travel$16,114$2,844-$18,958
Office Expenses$11,487$1,352$676$13,515
Insurance$9,816$2,277$1,138$13,231
Occupancy$6,771$797$398$7,966
Depreciation Depletion$1,734$204$102$2,040
Fees for Services Legal$1,091--$1,091
Total Functional Expenses$1,136,891$192,079$42,609$1,371,579

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,371,579
Total Expenses per Audited Statements$1,371,579
Total Expenses per Form 990$1,371,579
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
Operating Lease Liability$57,164
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
Yes
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, Page 6, Part VI, Line 11B

“A full copy of the fiscal year end 990/990 schedules a & o as well as a complete copy of the form mass pc are provided to the board of directors prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“Annually each employee must sign a statement saying they do not have any conflicts of interest.”

Form 990, Page 6, Part VI, Line 15A

“Compensation at all levels is voted upon by the full board of directors.”

Form 990, Page 6, Part VI, Line 15B

“Compensation at all levels is voted upon by the full board of directors.”

Form 990, Page 6, Part VI, Line 19

“Organization original documents, annual reports & audited financial statements are available to the general public upon request.”

Filing and Contact Details

Filer

Filer Name
Cape & Islands Community
EIN
04-3286347
Phone
5087904980
Address
5 PATTI PAGE WAY B, CENTERVILLE, MA 02632

Signing Officer

Name
Michael Healy
Title
President
Phone
5087902921
Signed
2025-09-30
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Healy
Formed
1995
Legal Domicile
Ma
Voting Board Members
10
Independent Board Members
10
Employees
6

Preparer

Firm
Sanders Walsh & Eaton Cpas LLC
Address
PO BOX F, OSTERVILLE, MA 02655
Preparer
Roumiana S Popjeleva CPA
Phone
5084280790
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“To provide loans and technical assistance to small business owners in massachusetts utilizing federal funds from usda intermediary relending program (irp), usda rural microentrrepreneur (rmap) and u.s treasury community development financial institutions fund (cdfi)”

Raw XML AppendixShowing 400 of 457 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
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt023831
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt025208
IRS990/AccountsReceivableGrp/BOYAmt0282101
IRS990/AccountsReceivableGrp/EOYAmt033319
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0TO PROVIDE LOANS AND TECHNICAL ASSISTANCE TO SMALL BUSINESS OWNERS IN MASSACHUSETTS UTILIZING FEDERAL FUNDS FROM USDA INTERMEDIARY RELENDING PROGRAM (IRP), USDA RURAL MICROENTRREPRENEUR (RMAP) AND U.S TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND (CDFI)
IRS990/AllOtherContributionsAmt0799575
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0MICHAEL HEALY
IRS990/BooksInCareOfDetail/PhoneNum05087904980
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0139 WOLF POND ROAD
IRS990/BooksInCareOfDetail/USAddress/CityNm0KINGSTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990/BooksInCareOfDetail/USAddress/ZIPCd002364
IRS990/BusinessRlnWith35CtrlEntInd0false
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt02789664
IRS990/CashNonInterestBearingGrp/EOYAmt02986927
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0true
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt0799575
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt068812
IRS990/CYOtherExpensesAmt0585243
IRS990/CYOtherRevenueAmt082512
IRS990/CYProgramServiceRevenueAmt01128698
IRS990/CYRevenuesLessExpensesAmt0708018
IRS990/CYSalariesCompEmpBnftPaidAmt0786336
IRS990/CYTotalExpensesAmt01371579
IRS990/CYTotalFundraisingExpenseAmt042609
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt02079597
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/FundraisingAmt0102
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt0204
IRS990/DepreciationDepletionGrp/ProgramServicesAmt01734
IRS990/DepreciationDepletionGrp/TotalAmt02040
IRS990/Desc0ADMINISTER LOAN PROGRAMS AND TECHNICAL ASSISTANCE TO SMALL BUSINESS OWNERS IN MASSACHUSETTS.
IRS990/DescribedInSection501c3Ind0true
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/DonorRestrictionNetAssetsGrp/BOYAmt0273477
IRS990/DonorRestrictionNetAssetsGrp/EOYAmt0534397
IRS990/DonorRstrOrQuasiEndowmentsInd0false
IRS990/ElectionOfBoardMembersInd0false
IRS990/EmployeeCnt06
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/EngagedInExcessBenefitTransInd0false
IRS990/ExpenseAmt01136891
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditPerformedInd0true
IRS990/FederalGrantAuditRequiredInd0true
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt087179
IRS990/FeesForServicesAccountingGrp/ProgramServicesAmt016765
IRS990/FeesForServicesAccountingGrp/TotalAmt0103944
IRS990/FeesForServicesLegalGrp/ProgramServicesAmt01091
IRS990/FeesForServicesLegalGrp/TotalAmt01091
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt12.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt32.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt42.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt82.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt101.00
IRS990/Form990PartVIISectionAGrp/FormerOfcrDirectorTrusteeInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd9X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt928264
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0MARY LENIHAN
IRS990/Form990PartVIISectionAGrp/PersonNm1MICHAEL GIANCOLA
IRS990/Form990PartVIISectionAGrp/PersonNm2ADRIANA MOSCHELLA
IRS990/Form990PartVIISectionAGrp/PersonNm3CHRISTOPHER MURPHY
IRS990/Form990PartVIISectionAGrp/PersonNm4MARK SEXTON
IRS990/Form990PartVIISectionAGrp/PersonNm5ROB REISNER
IRS990/Form990PartVIISectionAGrp/PersonNm6JEFF HANSEL
IRS990/Form990PartVIISectionAGrp/PersonNm7KELLEY SULLIVAN
IRS990/Form990PartVIISectionAGrp/PersonNm8ALEX RODOLAKIS
IRS990/Form990PartVIISectionAGrp/PersonNm9JEANNINE MARSHALL
IRS990/Form990PartVIISectionAGrp/PersonNm10ERIN PERRY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9239240
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt9FORMER PRESI
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd0true
IRS990/FormationYr01995
IRS990/FormerOfcrEmployeesListedInd0true
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt02079597
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt010
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt03911
IRS990/InformationTechnologyGrp/ProgramServicesAmt022161
IRS990/InformationTechnologyGrp/TotalAmt026072
IRS990/InsuranceGrp/FundraisingAmt01138
IRS990/InsuranceGrp/ManagementAndGeneralAmt02277
IRS990/InsuranceGrp/ProgramServicesAmt09816
IRS990/InsuranceGrp/TotalAmt013231
IRS990/InterestGrp/ProgramServicesAmt048390
IRS990/InterestGrp/TotalAmt048390
IRS990/InvestmentIncomeGrp/ExclusionAmt068812
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt068812
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt05
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt036045
IRS990/LandBldgEquipBasisNetGrp/BOYAmt016354
IRS990/LandBldgEquipBasisNetGrp/EOYAmt019742
IRS990/LandBldgEquipCostOrOtherBssAmt055787
IRS990/LegalDomicileStateCd0MA
IRS990/LoanOutstandingInd0false
IRS990/LobbyingActivitiesInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0TO PROVIDE LOANS AND TECHNICAL ASSISTANCE TO SMALL BUSINESS OWNERS IN MASSACHUSETTS UTILIZING FEDERAL FUNDS FROM USDA INTERMEDIARY RELENDING PROGRAM (IRP), USDA RURAL MICROENTRREPRENEUR (RMAP) AND U.S TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND (CDFI)
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt04604688
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt04310157
IRS990/NetAssetsOrFundBalancesBOYAmt07744155
IRS990/NetAssetsOrFundBalancesEOYAmt08452173
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt07470678
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt07917776
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/FundraisingAmt0398
IRS990/OccupancyGrp/ManagementAndGeneralAmt0797
IRS990/OccupancyGrp/ProgramServicesAmt06771
IRS990/OccupancyGrp/TotalAmt07966
IRS990/OfficeExpensesGrp/FundraisingAmt0676
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt01352
IRS990/OfficeExpensesGrp/ProgramServicesAmt011487
IRS990/OfficeExpensesGrp/TotalAmt013515
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt07150908
IRS990/OtherAssetsTotalGrp/EOYAmt07392094
IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt02345
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt04689
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt039860
IRS990/OtherEmployeeBenefitsGrp/TotalAmt046894
IRS990/OtherExpensesGrp/Desc0CREDIT LOSSES
IRS990/OtherExpensesGrp/Desc1OTHER GENERAL EXPENSES
IRS990/OtherExpensesGrp/Desc2OPERATING LEASES
IRS990/OtherExpensesGrp/FundraisingAmt0978
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt012927
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11955
IRS990/OtherExpensesGrp/ProgramServicesAmt0244302
IRS990/OtherExpensesGrp/ProgramServicesAmt173251
IRS990/OtherExpensesGrp/ProgramServicesAmt216623
IRS990/OtherExpensesGrp/TotalAmt0244302
IRS990/OtherExpensesGrp/TotalAmt186178
IRS990/OtherExpensesGrp/TotalAmt219556
IRS990/OtherLiabilitiesGrp/BOYAmt073418
IRS990/OtherLiabilitiesGrp/EOYAmt057164
IRS990/OtherRevenueMiscGrp/Desc0MISCELLANEOUS
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt082512
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt082512
IRS990/OtherRevenueTotalAmt082512
IRS990/OtherSalariesAndWagesGrp/FundraisingAmt034464
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt068929
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0585894
IRS990/OtherSalariesAndWagesGrp/TotalAmt0689287
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01418438
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01190782
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/FundraisingAmt02508
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt05015
IRS990/PayrollTaxesGrp/ProgramServicesAmt042632
IRS990/PayrollTaxesGrp/TotalAmt050155
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt06010
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt03264
IRS990/PrincipalOfficerNm0MICHAEL HEALY
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522200
IRS990/ProgramServiceRevenueGrp/Desc0LOAN INTEREST & SERVICE FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01128698
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01128698
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYContributionsGrantsAmt0406526
IRS990/PYExcessBenefitTransInd0false
IRS990/PYInvestmentIncomeAmt0105488
IRS990/PYOtherExpensesAmt0372961
IRS990/PYOtherRevenueAmt033042
IRS990/PYProgramServiceRevenueAmt0972515
IRS990/PYRevenuesLessExpensesAmt0460061
IRS990/PYSalariesCompEmpBnftPaidAmt0684549
IRS990/PYTotalExpensesAmt01057510
IRS990/PYTotalRevenueAmt01517571
IRS990/ReconcilationRevenueExpnssAmt0708018
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0true
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01128698
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0782617
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01218574
IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt0LOAN RECOVERIES 0
IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc0PART II, LINE 10
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt0799575
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt0406526
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt01317322
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt02554661
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt0179329
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt05257413
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt068812
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt0105488
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt051403
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt02665
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt07252
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt0235620
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt04715497
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.95710
IRS990ScheduleA/PublicSupportPY170Pct00.96360
IRS990ScheduleA/PublicSupportTotal170Amt05257413
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt0799575
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt0406526
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt01317322
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt02554661
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt0179329
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt05257413
IRS990ScheduleA/TotalSupportAmt05493033
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt09342
IRS990ScheduleD/EquipmentGrp/DepreciationAmt031245
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt040587
IRS990ScheduleD/ExpensesSubtotalAmt01371579
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt010400
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt01600
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt012000
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt07331430
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt157164
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt23500
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0LOANS RECEIVABLE (LONG TERM PORTION)
IRS990ScheduleD/OtherAssetsOrgGrp/Desc1OPERATING LEASE ROU ASSET
IRS990ScheduleD/OtherAssetsOrgGrp/Desc2SECURITY DEPOSITS
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt03200
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt03200
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt057164
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0OPERATING LEASE LIABILITY
IRS990ScheduleD/RevenueSubtotalAmt02079597
IRS990ScheduleD/TotalBookValueLandBuildingsAmt019742
IRS990ScheduleD/TotalBookValueOtherAssetsAmt07392094
IRS990ScheduleD/TotalExpensesPerForm990Amt01371579
IRS990ScheduleD/TotalLiabilityAmt057164
IRS990ScheduleD/TotalRevenuePerForm990Amt02079597
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt02079597
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01371579
IRS990ScheduleJ/AnyNonFixedPaymentsInd0false
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd0false
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd0false
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd0false
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990ScheduleJ/InitialContractExceptionInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0239240
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt028264
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JEANNINE MARSHALL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0FORMER PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0267504
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROVIDE LOANS AND TECHNICAL ASSISTANCE TO SMALL BUSINESS OWNERS IN MASSACHUSETTS UTILIZING FEDERAL FUNDS FROM USDA INTERMEDIARY RELENDING PROGRAM (IRP), USDA RURAL MICROENTRREPRENEUR (RMAP) AND U.S TREASURY COMMUNITY DEVELOPMENT FINANCIAL INSTITUTIONS FUND (CDFI)
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A FULL COPY OF THE FISCAL YEAR END 990/990 SCHEDULES A & O AS WELL AS A COMPLETE COPY OF THE FORM MASS PC ARE PROVIDED TO THE BOARD OF DIRECTORS PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUALLY EACH EMPLOYEE MUST SIGN A STATEMENT SAYING THEY DO NOT HAVE ANY CONFLICTS OF INTEREST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPENSATION AT ALL LEVELS IS VOTED UPON BY THE FULL BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION AT ALL LEVELS IS VOTED UPON BY THE FULL BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5ORGANIZATION ORIGINAL DOCUMENTS, ANNUAL REPORTS & AUDITED FINANCIAL STATEMENTS ARE AVAILABLE TO THE GENERAL PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MA
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt012446092
IRS990/TotalAssetsEOYAmt012844702
IRS990/TotalAssetsGrp/BOYAmt012446092
IRS990/TotalAssetsGrp/EOYAmt012844702
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalContributionsAmt0799575
IRS990/TotalEmployeeCnt06
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt042609
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt0192079
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt01136891
IRS990/TotalFunctionalExpensesGrp/TotalAmt01371579
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt04701937
IRS990/TotalLiabilitiesEOYAmt04392529
IRS990/TotalLiabilitiesGrp/BOYAmt04701937

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$12,844,702
Liabilities
$4,392,529
Net assets
$8,452,173
Revenue
$2,079,597
Expenses
$1,371,579
Net income
$708,018
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$12.8$4.39$8.45$2.08$1.37$0.71
2024Detailed filing. Detailed filing data is available for this year.$12.4$4.70$7.74$1.52$1.06$0.46
2023Detailed filing. Detailed filing data is available for this year.$12.2$4.88$7.28$2.23$0.98$1.26
2022Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$11.2$5.20$6.03$3.41$0.90$2.50
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.81$5.28$3.53$0.97$0.79$0.18
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.74$5.39$3.35$1.00$0.93$0.06
2019Detailed filing. Detailed filing data is available for this year.$8.43$5.15$3.29$0.86$0.80$0.06
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.07$4.84$3.23$1.21$1.20$0.01
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.75$4.59$3.16$0.67$0.67$0.00
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.34$4.18$3.15$0.72$0.66$0.06
2015Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$7.05$3.96$3.09$0.70$0.64$0.06
2014Detailed filing. Detailed filing data is available for this year.$7.09$4.06$3.03$0.91$0.90$0.01
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.53$3.50$3.03$0.84$0.75$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.01$3.08$2.93$0.63
2011Summary only. Only limited summary data is available for this year.$5.16$2.80$2.36$1.26$0.64$0.62
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.41$2.66$1.74$0.58