Civic Intelligence

Massachusetts Boarting & Yacht Club Association

EIN 04-6056456 • 501(c)6 • Peabody, MA

Profile

To promote MA boater safety

33 Catherine DrivePeabody, MA 01960

www.mbyca.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2024

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2024

Net Margin

35th percentile

-7.7%

Higher net margin than 35% of similar nonprofits.

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

Top Officer Pay

78th percentile

$3,000

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 6.3% of source-year revenue.

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

Asset Growth

15th percentile

-47%

Faster asset growth than 15% of similar nonprofits.

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

Revenue Growth

45th percentile

-3.2%

Faster revenue growth than 45% of similar nonprofits.

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

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$4,165

Down $3,648 (-47%) from 2023

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Down

$4,165

Down $3,648 (-47%) from 2023

Operations
Liabilities / RevenueScore unavailableNet Margin35th percentile

Revenue

Down

$47,692

Down $1,573 (-3.2%) from 2023

Expenses

Up

$51,342

Up $783 (+1.5%) from 2023

Net Income

Down

-$3,650

Down $2,356 (-182%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth15th percentile

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

$30K$20K$10K$0Assets 2010: $16,320Net Assets 2010: $16,3202010Assets 2011: $11,313Liabilities 2011: $02011Assets 2012: $18,265Liabilities 2012: $1,485Net Assets 2012: $16,7802012Assets 2013: $2,824Liabilities 2013: $0Net Assets 2013: $2,8242013Assets 2014: $8,533Liabilities 2014: $0Net Assets 2014: $8,5332014Assets 2015: $20,233Liabilities 2015: $0Net Assets 2015: $20,2332015Assets 2016: $24,728Liabilities 2016: $0Net Assets 2016: $24,7282016Assets 2017: $22,237Liabilities 2017: $0Net Assets 2017: $22,2372017Assets 2018: $22,925Liabilities 2018: $0Net Assets 2018: $22,9252018Assets 2019: $22,643Liabilities 2019: $0Net Assets 2019: $22,6432019Assets 2020: $10,402Liabilities 2020: $0Net Assets 2020: $10,4022020Assets 2021: $11,546Liabilities 2021: $0Net Assets 2021: $11,5462021Assets 2022: $9,107Liabilities 2022: $0Net Assets 2022: $9,1072022Assets 2023: $7,813Liabilities 2023: $0Net Assets 2023: $7,8132023Assets 2024: $4,165Net Assets 2024: $4,1652024

Highlighted filing

2024

Assets$4,165
Liabilities-
Net Assets$4,165
Open 2024 Filing

Operations Trend

Revenue Growth45th percentile

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

$80K$60K$40K$20K$0-$20KRevenue 2010: $52,219Expenses 2010: $56,334Net Income 2010: -$4,1152010Revenue 2011: $50,491Expenses 2011: $55,498Net Income 2011: -$5,0072011Revenue 2012: $2,750Expenses 2012: $4,293Net Income 2012: -$1,5432012Revenue 2013: $54,604Expenses 2013: $57,214Net Income 2013: -$2,6102013Revenue 2014: $61,969Expenses 2014: $56,260Net Income 2014: $5,7092014Revenue 2015: $56,534Expenses 2015: $46,892Net Income 2015: $9,6422015Revenue 2016: $52,075Expenses 2016: $52,664Net Income 2016: -$5892016Revenue 2017: $54,447Expenses 2017: $56,938Net Income 2017: -$2,4912017Revenue 2018: $49,675Expenses 2018: $48,987Net Income 2018: $6882018Revenue 2019: $53,041Expenses 2019: $53,323Net Income 2019: -$2822019Revenue 2020: $47,532Expenses 2020: $50,972Net Income 2020: -$3,4402020Revenue 2021: $50,624Expenses 2021: $49,480Net Income 2021: $1,1442021Revenue 2022: $54,797Expenses 2022: $57,236Net Income 2022: -$2,4392022Revenue 2023: $49,265Expenses 2023: $50,559Net Income 2023: -$1,2942023Revenue 2024: $47,692Expenses 2024: $51,342Net Income 2024: -$3,6502024

Highlighted filing

2024

Revenue$47,692
Expenses$51,342
Net Income-$3,650
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$4,165
Liabilities
-
Net assets
$4,165
Revenue
$47,692
Expenses
$51,342
Net income
-$3,650
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.17$4.17$47.7$51.3$3.65
2023Detailed filing. Detailed filing data is available for this year.$7.81$0.00$7.81$49.3$50.6$1.29
2022Detailed filing. Detailed filing data is available for this year.$9.11$0.00$9.11$54.8$57.2$2.44
2021Detailed filing. Detailed filing data is available for this year.$11.5$0.00$11.5$50.6$49.5$1.14
2020Detailed filing. Detailed filing data is available for this year.$10.4$0.00$10.4$47.5$51.0$3.44
2019Detailed filing. Detailed filing data is available for this year.$22.6$0.00$22.6$53.0$53.3$0.28
2018Detailed filing. Detailed filing data is available for this year.$22.9$0.00$22.9$49.7$49.0$0.69
2017Detailed filing. Detailed filing data is available for this year.$22.2$0.00$22.2$54.4$56.9$2.49
2016Detailed filing. Detailed filing data is available for this year.$24.7$0.00$24.7$52.1$52.7$0.59
2015Detailed filing. Detailed filing data is available for this year.$20.2$0.00$20.2$56.5$46.9$9.64
2014Detailed filing. Detailed filing data is available for this year.$8.53$0.00$8.53$62.0$56.3$5.71
2013Summary only. Only limited summary data is available for this year.$2.82$0.00$2.82$54.6$57.2$2.61
2012Summary only. Only limited summary data is available for this year.$18.3$1.49$16.8$2.75$4.29$1.54
2011Summary only. Only limited summary data is available for this year.$11.3$0.00$50.5$55.5$5.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$16.3$16.3$52.2$56.3$4.12
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$47,692
Mission and Program Overview

Mission

To promote MA boater safety

To educate its members

Program Services

DescriptionGrantsExpenses
Education of its members and prduction of annual yearbook educational$1,000$50,342
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cheryl ChisholmClerkPT$3,000-$3,000
Edward ChisholmTeasurerPT$500-$500
Filing and Contact Details

Filer

Filer Name
Massachusetts Boating & Yacht Club Association
EIN
04-6056456
Phone
9788393077
Address
33 Catherine Drive, Peabody, MA 01960

Signing Officer

Name
Edward Chisholm
Title
Treasurer
Phone
9788393077
Signed
2025-11-17
Discuss with paid preparer
Yes

Preparer

Firm
M Stanley Metz and Co Inc
Address
One Washington Street, Melrose, MA 02176
Preparer
Stephen von Lichtenberg
Phone
7813211125
Supplemental Narrative

Additional Explanations

Form 990-EZ, Part I, Line 16, Other Expenses

“Supplies 1,324”

Form 990-EZ, Part I, Line 16, Other Expenses

“Telephone 576”

Form 990-EZ, Part I, Line 16, Other Expenses

“Depreciation 198”

Form 990-EZ, Part I, Line 16, Other Expenses

“Annual Reports 77”

Form 990-EZ, Part I, Line 16, Other Expenses

“Duesd and Memberships 488”

Form 990-EZ, Part I, Line 16, Other Expenses

“Donations 25”

Form 990-EZ, Part I, Line 16, Other Expenses

“Miscellaneous 67”

Form 990-EZ, Part I, Line 16, Other Expenses

“Office Supplies 2,444”

Form 990-EZ, Part I, Line 16, Other Expenses

“Board Expense 3,105”

Form 990-EZ, Part I, Line 16, Other Expenses

“Gifts and Recognition 1,153”

Form 990-EZ, Part I, Line 16, Other Expenses

“Software expense 308”

Form 990-EZ, Part I, Line 16, Other Expenses

“Other 250”

Form 990-EZ, Part I, Line 16, Other Expenses

“Annual Reports 157”

Form 990-EZ, Part I, Line 16, Other Expenses

“Internet 800”

Form 990-EZ, Part I, Line 16, Other Expenses

“Penalty 4,140”

Form 990-EZ, Part I, Line 16, Other Expenses

“Other 15,000”

Form 990-EZ, Part I, Line 20, Net Assets

“Rounding 2”

Form 990-EZ, Part II, Line 24, Other Assets

“Computer net of Depreciation Beginning of year 0, End of year 794”

Raw XML Appendix138 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/BusinessName/BusinessNameLine1Txt0Cheryl Chisholm
IRS990EZ/BooksInCareOfDetail/PhoneNum09788393077
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt033 Catherine DE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Peabody
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd001960
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt07813
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt03371
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-3650
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt03700
IRS990EZ/FiledScheduleAInd0false
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt07813
IRS990EZ/Form990TotalAssetsGrp/EOYAmt04165
IRS990EZ/GrantsAndSimilarAmountsPaidAmt01000
IRS990EZ/GrossReceiptsAmt047692
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt047692
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt07813
IRS990EZ/NetAssetsOrFundBalancesEOYAmt04165
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt07813
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt04165
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0015.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1025.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt0500
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt13000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Edward Chisholm
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Cheryl Chisholm
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Teasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Clerk
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0794
IRS990EZ/OtherChangesInNetAssetsAmt02
IRS990EZ/OtherExpensesTotalAmt030112
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0true
IRS990EZ/PrimaryExemptPurposeTxt0To educate its members
IRS990EZ/PrintingPublicationsPostageAmt016530
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Education of its members and prduction of annual yearbook educational
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt01000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt050342
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt051342
IRS990EZ/TotalProgramServiceExpensesAmt050342
IRS990EZ/TotalRevenueAmt047692
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0mbyca.org
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleC/Form1120POLFiledInd0false
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Supplies 1,324
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Telephone 576
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Depreciation 198
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Annual Reports 77
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Duesd and Memberships 488
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Donations 25
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Miscellaneous 67
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Office Supplies 2,444
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Board Expense 3,105
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Gifts and Recognition 1,153
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Software expense 308
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Other 250
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Annual Reports 157
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt13Internet 800
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt14Penalty 4,140
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt15Other 15,000
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt16Rounding 2
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt17Computer net of Depreciation Beginning of year 0, End of year 794
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc13Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc14Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc15Form 990-EZ, Part I, Line 16, Other Expenses
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc16Form 990-EZ, Part I, Line 20, Net Assets
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc17Form 990-EZ, Part II, Line 24, Other Assets
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Edward Chisholm
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum09788393077
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Massachusetts Boating & Yacht Club Association
ReturnHeader/Filer/BusinessNameControlTxt0MASS
ReturnHeader/Filer/EIN0046056456
ReturnHeader/Filer/PhoneNum09788393077
ReturnHeader/Filer/USAddress/AddressLine1Txt033 Catherine Drive
ReturnHeader/Filer/USAddress/CityNm0Peabody
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001960
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042812296
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0M Stanley Metz and Co Inc
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0One Washington Street
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Melrose
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002176
ReturnHeader/PreparerPersonGrp/PhoneNum07813211125
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Stephen von Lichtenberg
ReturnHeader/ReturnTs02025-11-17T12:35:15-00:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)6 • <$500k nonprofits