Civic Intelligence

Newburyport Howard Benevolent

EIN 04-6041304 • Newburyport, MA

PO Box 9Newburyport, MA 01950
Siviq Scores

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

Liabilities / Assets

32nd percentile

0.00x

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

$1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

33rd percentile

0.00x

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

$1M-$5M nonprofits • Source year 2025

Net Margin

15th percentile

-25%

Higher net margin than 15% of similar nonprofits.

$1M-$5M nonprofits • Source year 2025

Top Officer Pay

50th percentile

$8,250

Higher top officer pay than 50% of similar nonprofits.

Top officer pay equals 4.6% of source-year revenue.

$1M-$5M nonprofits • Source year 2025

Asset Growth

33rd percentile

-1.5%

Faster asset growth than 33% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

6th percentile

-53%

Faster revenue growth than 6% of similar nonprofits.

$1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Down

$3,029,411

Down $45,646 (-1.5%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Down

$3,029,411

Down $45,646 (-1.5%) from 2024

Operations
Liabilities / Revenue33rd percentileNet Margin15th percentile

Revenue

Down

$180,239

Down $202,327 (-53%) from 2024

Expenses

Up

$225,885

Up $1,500 (+0.7%) from 2024

Net Income

Down

-$45,646

Down $203,827 (-129%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth33rd percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2011: $2,109,838Liabilities 2011: $02011Assets 2012: $2,254,985Liabilities 2012: $02012Assets 2013: $2,331,704Liabilities 2013: $02013Assets 2014: $2,353,939Liabilities 2014: $02014Assets 2015: $2,390,630Liabilities 2015: $0Net Assets 2015: $2,390,6302015Assets 2016: $2,475,250Liabilities 2016: $0Net Assets 2016: $2,475,2502016Assets 2018: $2,758,272Liabilities 2018: $0Net Assets 2018: $2,758,2722018Assets 2019: $2,758,898Liabilities 2019: $0Net Assets 2019: $2,758,8982019Assets 2020: $2,885,151Liabilities 2020: $0Net Assets 2020: $2,885,1512020Assets 2021: $2,925,069Liabilities 2021: $0Net Assets 2021: $2,925,0692021Assets 2022: $2,902,609Liabilities 2022: $0Net Assets 2022: $2,902,6092022Assets 2023: $2,916,876Liabilities 2023: $0Net Assets 2023: $2,916,8762023Assets 2024: $3,075,057Liabilities 2024: $0Net Assets 2024: $3,075,0572024Assets 2025: $3,029,411Liabilities 2025: $0Net Assets 2025: $3,029,4112025

Highlighted filing

2025

Assets$3,029,411
Liabilities$0
Net Assets$3,029,411
Open 2025 Filing

Operations Trend

Revenue Growth6th percentile

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

$600K$400K$200K$0-$200KRevenue 2011: $464,194Expenses 2011: $76,840Net Income 2011: $387,3542011Revenue 2012: $250,619Expenses 2012: $105,472Net Income 2012: $145,1472012Revenue 2013: $188,544Expenses 2013: $111,825Net Income 2013: $76,7192013Revenue 2014: $145,526Expenses 2014: $123,291Net Income 2014: $22,2352014Revenue 2015: $160,863Expenses 2015: $124,172Net Income 2015: $36,6912015Revenue 2016: $174,111Expenses 2016: $127,925Net Income 2016: $46,1862016Revenue 2018: $404,612Expenses 2018: $120,620Net Income 2018: $283,9922018Revenue 2019: $140,503Expenses 2019: $132,706Net Income 2019: $7,7972019Revenue 2020: $245,954Expenses 2020: $121,005Net Income 2020: $124,9492020Revenue 2021: $174,346Expenses 2021: $145,364Net Income 2021: $28,9822021Revenue 2022: $145,525Expenses 2022: $167,985Net Income 2022: -$22,4602022Revenue 2023: $163,597Expenses 2023: $149,330Net Income 2023: $14,2672023Revenue 2024: $382,566Expenses 2024: $224,385Net Income 2024: $158,1812024Revenue 2025: $180,239Expenses 2025: $225,885Net Income 2025: -$45,6462025

Highlighted filing

2025

Revenue$180,239
Expenses$225,885
Net Income-$45,646
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$3,029,411
Liabilities
$0
Net assets
$3,029,411
Revenue
$180,239
Expenses
$225,885
Net income
-$45,646
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$3.03$0.00$3.03$0.18$0.23$0.05
2024Detailed filing. Detailed filing data is available for this year.$3.08$0.00$3.08$0.38$0.22$0.16
2023Detailed filing. Detailed filing data is available for this year.$2.92$0.00$2.92$0.16$0.15$0.01
2022Detailed filing. Detailed filing data is available for this year.$2.90$0.00$2.90$0.15$0.17$0.02
2021Detailed filing. Detailed filing data is available for this year.$2.93$0.00$2.93$0.17$0.15$0.03
2020Detailed filing. Detailed filing data is available for this year.$2.89$0.00$2.89$0.25$0.12$0.12
2019Detailed filing. Detailed filing data is available for this year.$2.76$0.00$2.76$0.14$0.13$0.01
2018Detailed filing. Detailed filing data is available for this year.$2.76$0.00$2.76$0.40$0.12$0.28
2016Detailed filing. Detailed filing data is available for this year.$2.48$0.00$2.48$0.17$0.13$0.05
2015Detailed filing. Detailed filing data is available for this year.$2.39$0.00$2.39$0.16$0.12$0.04
2014Summary only. Only limited summary data is available for this year.$2.35$0.00$0.15$0.12$0.02
2013Summary only. Only limited summary data is available for this year.$2.33$0.00$0.19$0.11$0.08
2012Summary only. Only limited summary data is available for this year.$2.25$0.00$0.25$0.11$0.15
2011Summary only. Only limited summary data is available for this year.$2.11$0.00$0.46$0.08$0.39
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2024 to Sep 30, 2025
Signed
Nov 6, 2025
Return Version
2024v5.0
Compensation and Service Providers
Top Officer Pay50th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
ROBERT GOULDPresident-$8,250-$8,250
RALPH JOHNSONTreasurer-$8,250-$8,250
NANCY TAYLORSecretary-$8,250-$8,250
WILLIAM MCCLELLANDirector-$5,400-$5,400
THOMAS HOWARDDirector-$5,400-$5,400
MARCIA WALLACEDirector-$5,400-$5,400
TERRY MARTINDirector-$2,500-$2,500
Filing and Contact Details

Filer

Filer Name
Newburyport Howard Benevolent
EIN
04-6041304
Phone
9788525369
Address
PO BOX 9, NEWBURYPORT, MA 01950

Signing Officer

Name
Ralph Johnson
Title
Treasurer
Phone
9788525369
Signed
2025-11-06

Preparer

Firm
Grady Financial Service
Address
1 MERRIMAC ST UNIT 14, NEWBURYPORT, MA 01950-2561
Preparer
John F Grady
Phone
9784650222
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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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IRS990PF/AnalysisOfRevenueAndExpenses/AccountingFeesNetInvstIncmAmt04100
IRS990PF/AnalysisOfRevenueAndExpenses/AccountingFeesRevAndExpnssAmt04100
IRS990PF/AnalysisOfRevenueAndExpenses/AdjustedNetIncomeAmt0113027
IRS990PF/AnalysisOfRevenueAndExpenses/CompOfcrDirTrstAdjNetIncmAmt043450
IRS990PF/AnalysisOfRevenueAndExpenses/CompOfcrDirTrstDsbrsChrtblAmt034760
IRS990PF/AnalysisOfRevenueAndExpenses/CompOfcrDirTrstNetInvstIncmAmt043450
IRS990PF/AnalysisOfRevenueAndExpenses/CompOfcrDirTrstRevAndExpnssAmt043450
IRS990PF/AnalysisOfRevenueAndExpenses/ContriPaidDsbrsChrtblAmt0155087
IRS990PF/AnalysisOfRevenueAndExpenses/ContriPaidRevAndExpnssAmt0155087
IRS990PF/AnalysisOfRevenueAndExpenses/DividendsAdjNetIncmAmt0168206
IRS990PF/AnalysisOfRevenueAndExpenses/DividendsNetInvstIncmAmt0168206
IRS990PF/AnalysisOfRevenueAndExpenses/DividendsRevAndExpnssAmt0168206
IRS990PF/AnalysisOfRevenueAndExpenses/ExcessRevenueOverExpensesAmt0-45646
IRS990PF/AnalysisOfRevenueAndExpenses/GrossSalesPriceAmt0896630
IRS990PF/AnalysisOfRevenueAndExpenses/InterestOnSavingsAdjNetIncmAmt015619
IRS990PF/AnalysisOfRevenueAndExpenses/InterestOnSavNetInvstIncmAmt015619
IRS990PF/AnalysisOfRevenueAndExpenses/InterestOnSavRevAndExpnssAmt015619
IRS990PF/AnalysisOfRevenueAndExpenses/NetGainSaleAstRevAndExpnssAmt0-3586
IRS990PF/AnalysisOfRevenueAndExpenses/NetInvestmentIncomeAmt0113027
IRS990PF/AnalysisOfRevenueAndExpenses/OtherExpensesAdjNetIncmAmt01655
IRS990PF/AnalysisOfRevenueAndExpenses/OtherExpensesNetInvstIncmAmt01655
IRS990PF/AnalysisOfRevenueAndExpenses/OtherExpensesRevAndExpnssAmt01655
IRS990PF/AnalysisOfRevenueAndExpenses/OtherProfFeesAdjNetIncmAmt019745
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IRS990PF/AnalysisOfRevenueAndExpenses/OtherProfFeesRevAndExpnssAmt019745
IRS990PF/AnalysisOfRevenueAndExpenses/ScheduleBNotRequiredInd0X
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IRS990PF/AnalysisOfRevenueAndExpenses/TaxesNetInvstIncmAmt01848
IRS990PF/AnalysisOfRevenueAndExpenses/TaxesRevAndExpnssAmt01848
IRS990PF/AnalysisOfRevenueAndExpenses/TotalAdjNetIncmAmt0183825
IRS990PF/AnalysisOfRevenueAndExpenses/TotalExpensesAdjNetIncmAmt070798
IRS990PF/AnalysisOfRevenueAndExpenses/TotalExpensesDsbrsChrtblAmt0189847
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IRS990PF/AnalysisOfRevenueAndExpenses/TotalExpensesRevAndExpnssAmt0225885
IRS990PF/AnalysisOfRevenueAndExpenses/TotalNetInvstIncmAmt0183825
IRS990PF/AnalysisOfRevenueAndExpenses/TotalRevAndExpnssAmt0180239
IRS990PF/AnalysisOfRevenueAndExpenses/TotOprExpensesAdjNetIncmAmt070798
IRS990PF/AnalysisOfRevenueAndExpenses/TotOprExpensesDsbrsChrtblAmt034760
IRS990PF/AnalysisOfRevenueAndExpenses/TotOprExpensesNetInvstIncmAmt070798
IRS990PF/AnalysisOfRevenueAndExpenses/TotOprExpensesRevAndExpnssAmt070798
IRS990PF/ChgInNetAssetsFundBalancesGrp/ExcessRevenueOverExpensesAmt0-45646
IRS990PF/ChgInNetAssetsFundBalancesGrp/SubtotalAmt03029411
IRS990PF/ChgInNetAssetsFundBalancesGrp/TotNetAstOrFundBalancesBOYAmt03075057
IRS990PF/ChgInNetAssetsFundBalancesGrp/TotNetAstOrFundBalancesEOYAmt03029411
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IRS990PF/ExciseTaxBasedOnInvstIncmGrp/TaxBasedOnInvestmentIncomeAmt01571
IRS990PF/ExciseTaxBasedOnInvstIncmGrp/TotalPaymentsAndCreditsAmt01590
IRS990PF/FMVAssetsEOYAmt08287396
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IRS990PF/Form990PFBalanceSheetsGrp/CashEOYFMVAmt0116117
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IRS990PF/Form990PFBalanceSheetsGrp/NoDonorRstrNetAssestsBOYAmt03075057
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IRS990PF/Form990PFBalanceSheetsGrp/TotalAssetsEOYFMVAmt08287396
IRS990PF/Form990PFBalanceSheetsGrp/TotalLiabilitiesEOYAmt00
IRS990PF/Form990PFBalanceSheetsGrp/TotalLiabilitiesNetAstBOYAmt03075057
IRS990PF/Form990PFBalanceSheetsGrp/TotalLiabilitiesNetAstEOYAmt03029411
IRS990PF/Form990PFBalanceSheetsGrp/TotNetAstOrFundBalancesBOYAmt03075057
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IRS990PF/MethodOfAccountingCashInd0X
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IRS990PF/MinimumInvestmentReturnGrp/AverageMonthlyCashBalancesAmt0615080
IRS990PF/MinimumInvestmentReturnGrp/AverageMonthlyFMVOfSecAmt07384499
IRS990PF/MinimumInvestmentReturnGrp/CashDeemedCharitableAmt0119994
IRS990PF/MinimumInvestmentReturnGrp/FMVAllOtherNoncharitableAstAmt00
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IRS990PF/MinimumInvestmentReturnGrp/NetVlNoncharitableAssetsAmt07879585
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/AverageHrsPerWkDevotedToPosRt61.00
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/CompensationAmt08250
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/CompensationAmt18250
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/CompensationAmt25400
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/CompensationAmt38250
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/CompensationAmt45400
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/CompensationAmt55400
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/CompensationAmt62500
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/EmployeeBenefitProgramAmt00
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/EmployeeBenefitProgramAmt10
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/EmployeeBenefitProgramAmt20
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/EmployeeBenefitProgramAmt30
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/ExpenseAccountOtherAllwncAmt30
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm0ROBERT GOULD
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm3NANCY TAYLOR
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt2DIRECTOR
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt3SECRETARY
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt21783 MOUNT MAJOR HWY
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt465 MIDDLE RD
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt540 OAK STREET
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/AddressLine1Txt6PO BOX 3
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/CityNm0HAVERHILL
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/CityNm1NEWBURY
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/CityNm2ALTON BAY
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/CityNm3NEWBURYPORT
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/CityNm6NEWBURYPORT
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd0MA
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/StateAbbreviationCd6MA
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/ZIPCd001835
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/USAddress/ZIPCd203810
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IRS990PF/PFQualifyingDistributionsGrp/ExpensesAndContributionsAmt0189847
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IRS990PF/PrivateOperatingFoundationsGrp/LessorAdjNetIncmMinInvstRetGrp/TotalAmt0409465
IRS990PF/PrivateOperatingFoundationsGrp/LessorAdjNetIncmMinInvstRetGrp/Year1Amt0114244
IRS990PF/PrivateOperatingFoundationsGrp/LessorAdjNetIncmMinInvstRetGrp/Year2Amt098865
IRS990PF/PrivateOperatingFoundationsGrp/LessorAdjNetIncmMinInvstRetGrp/Year3Amt083329
IRS990PF/PrivateOperatingFoundationsGrp/Pct85LessorAdjIncmOrMinRetGrp/CurrentYearAmt096073
IRS990PF/PrivateOperatingFoundationsGrp/Pct85LessorAdjIncmOrMinRetGrp/TotalAmt0348045
IRS990PF/PrivateOperatingFoundationsGrp/Pct85LessorAdjIncmOrMinRetGrp/Year1Amt097107
IRS990PF/PrivateOperatingFoundationsGrp/Pct85LessorAdjIncmOrMinRetGrp/Year2Amt084035
IRS990PF/PrivateOperatingFoundationsGrp/Pct85LessorAdjIncmOrMinRetGrp/Year3Amt070830
IRS990PF/PrivateOperatingFoundationsGrp/QualifyingDistributionsGrp/CurrentYearAmt0189847
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IRS990PF/PrivateOperatingFoundationsGrp/QualifyingDistriMadeDrtGrp/CurrentYearAmt0189847
IRS990PF/PrivateOperatingFoundationsGrp/QualifyingDistriMadeDrtGrp/TotalAmt0636850
IRS990PF/PrivateOperatingFoundationsGrp/QualifyingDistriMadeDrtGrp/Year1Amt0189795
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IRS990PF/PrivateOperatingFoundationsGrp/QualifyingDistriMadeDrtGrp/Year3Amt0139364
IRS990PF/PrivateOperatingFoundationsGrp/Section4942j3Ind0X
IRS990PF/PrivateOperatingFoundationsGrp/TotalAssetsGrp/CurrentYearAmt08287396
IRS990PF/PrivateOperatingFoundationsGrp/TotalAssetsGrp/TotalAmt027622140
IRS990PF/PrivateOperatingFoundationsGrp/TotalAssetsGrp/Year1Amt07711764
IRS990PF/PrivateOperatingFoundationsGrp/TotalAssetsGrp/Year2Amt06188404
IRS990PF/PrivateOperatingFoundationsGrp/TotalAssetsGrp/Year3Amt05434576
IRS990PF/PrivateOperatingFoundationsGrp/TotalAssetsSect4942j3BiGrp/CurrentYearAmt08287396
IRS990PF/PrivateOperatingFoundationsGrp/TotalAssetsSect4942j3BiGrp/TotalAmt027622140
IRS990PF/PrivateOperatingFoundationsGrp/TotalAssetsSect4942j3BiGrp/Year1Amt07711764
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IRS990PF/RlnOfActyToAccomOfExmptPrpsGrp/RlnOfActyToAccomOfExmptPrpsGrp/LineNumberTxt03
IRS990PF/RlnOfActyToAccomOfExmptPrpsGrp/RlnOfActyToAccomOfExmptPrpsGrp/LineNumberTxt14
IRS990PF/RlnOfActyToAccomOfExmptPrpsGrp/RlnOfActyToAccomOfExmptPrpsGrp/LineNumberTxt28
IRS990PF/RlnOfActyToAccomOfExmptPrpsGrp/RlnOfActyToAccomOfExmptPrpsGrp/RelationshipStatementTxt0FUNDS USED TO BENEFIT DESTITUTE MEN & WOMEN OF NEWBURYPOR
IRS990PF/RlnOfActyToAccomOfExmptPrpsGrp/RlnOfActyToAccomOfExmptPrpsGrp/RelationshipStatementTxt1SAME
IRS990PF/RlnOfActyToAccomOfExmptPrpsGrp/RlnOfActyToAccomOfExmptPrpsGrp/RelationshipStatementTxt2SAME
IRS990PF/StatementsRegardingActy4720Grp/BrrwOrLendDisqualifiedPrsnInd0false
IRS990PF/StatementsRegardingActy4720Grp/BusinessHoldingsInd0false
IRS990PF/StatementsRegardingActy4720Grp/FurnGoodsDisqualifiedPrsnInd0false

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