Civic Intelligence

Citizens for Citizens Inc

EIN 04-6134724 • 501(c)3 • Fall River, MA

View Organization Page

Profile

To advocate on behalf of low-income residents and address the causes and effects of poverty through the provision of direct and integrated services, the promotion of self-sufficiency, and the advancement of social change.

264 Griffin StreetFall River, MA 02724

cfcinc.org

Siviq Scores

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

Liabilities / Assets

60th percentile

0.32x

Higher debt load relative to assets than 60% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

29th percentile

0.12x

Higher debt load relative to revenue than 29% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Net Margin

42nd percentile

1.8%

Higher net margin than 42% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

34th percentile

$194,957

Higher top officer pay than 34% of similar nonprofits.

Top officer pay equals 0.4% of source-year revenue.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Asset Growth

71st percentile

13%

Faster asset growth than 71% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

48th percentile

6.5%

Faster revenue growth than 48% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$17,077,592

Up $1,935,307 (+13%) from 2023

Liabilities

Up

$5,408,809

Up $1,117,604 (+26%) from 2023

Net Assets

Up

$11,668,783

Up $817,703 (+7.5%) from 2023

Operations
Liabilities / Revenue29th percentileNet Margin42nd percentile

Revenue

Up

$43,992,996

Up $2,667,266 (+6.5%) from 2023

Expenses

Up

$43,210,867

Up $2,658,084 (+6.6%) from 2023

Net Income

Up

$782,129

Up $9,182 (+1.2%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth71st percentile

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

$20M$15M$10M$5.0M$0Assets 2011: $9,665,196Liabilities 2011: $4,655,627Net Assets 2011: $5,009,5692011Assets 2012: $7,544,572Liabilities 2012: $2,487,827Net Assets 2012: $5,056,7452012Assets 2013: $6,865,388Liabilities 2013: $1,891,743Net Assets 2013: $4,973,6452013Assets 2014: $7,740,651Liabilities 2014: $2,765,247Net Assets 2014: $4,975,4042014Assets 2015: $7,374,282Liabilities 2015: $2,310,887Net Assets 2015: $5,063,3952015Assets 2016: $7,661,490Liabilities 2016: $2,653,696Net Assets 2016: $5,007,7942016Assets 2017: $7,832,568Liabilities 2017: $2,500,897Net Assets 2017: $5,331,6712017Assets 2018: $7,556,598Liabilities 2018: $1,880,249Net Assets 2018: $5,676,3492018Assets 2019: $9,339,717Liabilities 2019: $2,370,838Net Assets 2019: $6,968,8792019Assets 2020: $11,060,260Liabilities 2020: $2,595,946Net Assets 2020: $8,464,3142020Assets 2021: $12,279,316Liabilities 2021: $2,664,920Net Assets 2021: $9,614,3962021Assets 2022: $13,809,483Liabilities 2022: $3,734,363Net Assets 2022: $10,075,1202022Assets 2023: $15,142,285Liabilities 2023: $4,291,205Net Assets 2023: $10,851,0802023Assets 2024: $17,077,592Liabilities 2024: $5,408,809Net Assets 2024: $11,668,7832024

Highlighted filing

2024

Assets$17,077,592
Liabilities$5,408,809
Net Assets$11,668,783
Open 2024 Filing

Operations Trend

Revenue Growth48th percentile

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

$60M$40M$20M$0-$20MRevenue 2011: $33,671,329Expenses 2011: $33,468,264Net Income 2011: $203,0652011Expenses 2012: $28,691,2802012Revenue 2013: $25,005,320Expenses 2013: $25,105,694Net Income 2013: -$100,3742013Revenue 2014: $25,255,421Expenses 2014: $25,277,840Net Income 2014: -$22,4192014Revenue 2015: $3,903,129Expenses 2015: $3,794,409Net Income 2015: $108,7202015Revenue 2016: $24,214,998Expenses 2016: $24,135,517Net Income 2016: $79,4812016Revenue 2017: $24,760,541Expenses 2017: $24,460,507Net Income 2017: $300,0342017Revenue 2018: $26,835,086Expenses 2018: $26,505,010Net Income 2018: $330,0762018Revenue 2019: $30,103,440Expenses 2019: $28,802,697Net Income 2019: $1,300,7432019Revenue 2020: $27,391,631Expenses 2020: $25,882,984Net Income 2020: $1,508,6472020Revenue 2021: $29,399,731Expenses 2021: $28,272,663Net Income 2021: $1,127,0682021Revenue 2022: $43,618,924Expenses 2022: $43,121,476Net Income 2022: $497,4482022Revenue 2023: $41,325,730Expenses 2023: $40,552,783Net Income 2023: $772,9472023Revenue 2024: $43,992,996Expenses 2024: $43,210,867Net Income 2024: $782,1292024

Highlighted filing

2024

Revenue$43,992,996
Expenses$43,210,867
Net Income$782,129
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$17,077,592
Liabilities
$5,408,809
Net assets
$11,668,783
Revenue
$43,992,996
Expenses
$43,210,867
Net income
$782,129
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.1$5.41$11.7$44.0$43.2$0.78
2023Detailed filing. Detailed filing data is available for this year.$15.1$4.29$10.9$41.3$40.6$0.77
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.8$3.73$10.1$43.6$43.1$0.50
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$12.3$2.66$9.61$29.4$28.3$1.13
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.1$2.60$8.46$27.4$25.9$1.51
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.34$2.37$6.97$30.1$28.8$1.30
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.56$1.88$5.68$26.8$26.5$0.33
2017Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$7.83$2.50$5.33$24.8$24.5$0.30
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$7.66$2.65$5.01$24.2$24.1$0.08
2015Summary only. Only limited summary data is available for this year.$7.37$2.31$5.06$3.90$3.79$0.11
2014Detailed filing. Detailed filing data is available for this year.$7.74$2.77$4.98$25.3$25.3$0.02
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.87$1.89$4.97$25.0$25.1$0.10
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.54$2.49$5.06$28.7
2011Summary only. Only limited summary data is available for this year.$9.67$4.66$5.01$33.7$33.5$0.20
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Oct 1, 2023 to Sep 30, 2024
Signed
Aug 8, 2025
Return Version
2023v6.0
Gross Receipts
$43,992,996
Mission and Program Overview

Mission

To advocate on behalf of low-income residents and address the causes and effects of poverty through the provision of direct and integrated services, the promotion of self-sufficiency, and the advancement of social change.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$7,167,555$7,329,769▲ $162,214
Pledges and Grants Receivable$3,341,058$5,355,604▲ $2,014,546
Cash and Non-Interest-Bearing Accounts$3,001,421$2,727,993▼ $273,428
Prepaid Expenses and Deferred Charges$287,351$295,454▲ $8,103
Savings and Temporary Cash Investments$229,590$274,071▲ $44,481
Accounts Receivable$65,521$89,721▲ $24,200
Total Assets$15,142,285$17,077,592▲ $1,935,307
Other Assets Total$1,049,789$1,004,980▼ $44,809
Liabilities
Deferred Revenue$1,947,864$2,716,111▲ $768,247
Accounts Payable and Accrued Expenses$1,183,297$1,701,859▲ $518,562
Other Liabilities$1,016,558$980,801▼ $35,757
Tax Exempt Bond Liabilities$143,486$10,038▼ $133,448
Total Liabilities$4,291,205$5,408,809▲ $1,117,604
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$10,612,224$11,405,064▲ $792,840
Net Assets With Donor Restrictions$238,856$263,719▲ $24,863
Total Net Assets Fund Balance$10,851,080$11,668,783▲ $817,703
Total Liabilities and Net Assets / Fund Balance$15,142,285$17,077,592▲ $1,935,307

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$3,538,740$2,348,889$5,887,629
Buildings$2,143,114$2,083,727$4,226,841
Other Land Buildings$544,916$832,802$1,377,718
Land$901,144-$901,144
Equipment$201,855$361,200$563,055
Other Assets Org$36,140--
Compensation and Service Providers
Top Officer Pay34th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Elizabeth BerubeExecutive DirectorFT$184,131$10,826$194,957
Susan Guikema-roachChief Financial OfficerFT$136,071$38,692$174,763
Garth PattersonDeputy DirectorFT$137,727$7,986$145,713
Lynda SampsonDirector Family PlanningFT$131,889$7,691$139,580
Pamela WildnauerDirector Head StartFT$113,785$25,345$139,130

Board Members and Trustees

NameTitle
Maria Ferreira-bedardPresident
Jamie Beane1st Vice President
Jeny Gonzalez2nd Vice President
Eugene J Kosinski JrDirector
Jackie CummingsDirector
Janice HeppeDirector
Joan CowenDirector
Marianne MooreDirector
Melissa CardelliDirector
Melissa OliveiraDirector
Rebecca FriasDirector
Sophia Rosana HuntDirector
Tracy HegarDirector
John BorgesSecretary
Ben CooperTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
C2s Energy LLCWeatherzation & Insulation748 MT PLEASANT STREET, New Bedford, MA 02745$969,678
Coastline Plumbing & MechanicalWeatherzation & Insulation52 FORSYTHIA LANE, Westport, MA 02790$487,922
Insulation R USWeatherzation & Insulation57 15TH STREET, Fall River, MA 02723$463,642
Eagle Energy SystemsWeatherzation & Insulation81 STONE GATE DRIVE, Plymouth, MA 02360$442,540
Elite Energy ServicesWeatherzation & Insulation10 ADIRONDACK LANE, Westport, MA 02790$217,274
Revenue and Support

Revenue Composition

Contributions and Grants
$43,525,568
Program Service Revenue
$455,165
Investment Income
$12,083
Other Revenue
$180
All Other Contributions
$8,316,501
Change in Net Assets
$782,129

Audited Revenue Reconciliation

Revenue per Audited Statements
$43,992,996
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$123,177
Total Revenue per Audited Statements
$44,116,173
Total Revenue per Form 990
$43,992,996
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$21,726,741
Salaries, Compensation, and Employee Benefits$14,951,902
Other Expenses$6,532,224
Total Fundraising Expense$2,762
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Individuals$21,726,741--$21,726,741
Other Salaries and Wages$10,179,561$787,306$1,543$10,968,410
Other Employee Benefits$1,813,218$116,042$309$1,929,569
Occupancy$1,311,193$85,157-$1,396,350
Payroll Taxes$1,065,040$108,041$154$1,173,235
Depreciation Depletion$771,310$44,855-$816,165
Office Expenses$544,753$15,931$756$561,440
Current Officers, Directors, Trustees, and Key Employees-$537,644-$537,644
Pension Plan Contributions$307,341$35,703-$343,044
All Other Expenses$304,042$33,262-$337,304
Other Expenses$321,337$5,538-$326,875
Fees for Services Other$324,333$953-$325,286
Travel$222,381$6,955-$229,336
Insurance$131,455$40,516-$171,971
Information Technology$108,878$11,405-$120,283
Advertising$89,147$2,122-$91,269
Fees for Services Accounting-$54,500-$54,500
Interest$2,031--$2,031
Total Functional Expenses$41,321,616$1,886,489$2,762$43,210,867

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$43,298,470
Expenses per Audited Statements$43,210,867
Total Expenses per Form 990$43,210,867
Expenses Not Reported on Form 990$87,603
Expenses Not Reported on Financial Statements$0
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$968,840
Finance Lease Liability$11,961

Bond Issues

BondIssuerIssuedIssue PricePurpose
AMassachusetts Development Finance Agency2009-02-06$15,000,000Proceeds used for building acquisition and improvements

Bond Proceeds

BondTotal ProceedsSpentRetiredIssuance Costs
A$1,416,840---

Bond Financing Compliance

No rebate due
No
Rebate not yet due
No
Form 8038-T filed
No
Gross proceeds invested
No
Gross proceeds invested in GIC
No
Exception to rebate
No
Corrective action procedures
No
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
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, Part VI, Section B, Line 11B

“The form 990 is reviewed by the executive director and cfo. A copy of the form 990 is distributed to the members of the board of directors before it is filed with the irs.”

Form 990, Part VI, Section B, Line 12C

“Board members sign a statement annually attesting to their independence and absence of conflict of interest and give it to the chairperson.”

Form 990, Part VI, Section B, Line 15A

“The executive/finance committee meets to deliberate over and approve the executive director's compensation each year. Deliberations and the discussions are evidenced by contemporaneous executive/finance committee meeting minutes.”

Form 990, Part VI, Section C, Line 19

“Documents are available by request to susan guikema-roach, cfo, citizens for citizens, inc., 264 griffin street, fall river, ma 02724”

Filing and Contact Details

Filer

Filer Name
Citizens for Citizens Inc
EIN
04-6134724
Phone
5086790041
Address
264 GRIFFIN STREET, FALL RIVER, MA 02724

Signing Officer

Name
Elizabeth Berube
Title
Executive Director
Phone
5086790041
Signed
2025-08-08

Organization Details

Principal Officer
Elizabeth Berube
Formed
1965
Legal Domicile
Ma
Voting Board Members
18
Independent Board Members
18
Employees
309
Volunteers
450

Preparer

Firm
Daniel Dennis & Company Llp
Address
990 WASHINGTON STREET STE 203, DEDHAM, MA 02026
Preparer
Michael Driscoll
Phone
6172629898
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The executive/finance committee assumes responsibility for oversight of the audit of its financial statements and selection of an independent auditor.”

Financial Statement Notes

PART X, LINE 2:

“The organization evaluates its tax positions taken or expected to be taken in its tax returns to determine whether the tax positions are more-likely-than-not of being sustained by the applicable tax authority. Tax positions not deemed to meet the more-likely-than-not threshold, along with accrued interest and penalties thereon, would be recorded as an expense in the current year financial statements. Management has evaluated the tax positions taken in its previously filed returns and those expected to be taken in its fiscal year 2024 returns and believe they are more-likely-than-not of being sustained if examined by federal or state tax authorities. Tax filings for fiscal years 2021 through 2023 remain subject to examination by federal and state tax authorities.”

Raw XML AppendixShowing 400 of 738 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/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt01183297
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt01701859
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IRS990/AccountsReceivableGrp/EOYAmt089721
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO ADVOCATE ON BEHALF OF LOW-INCOME RESIDENTS AND ADDRESS THE CAUSES AND EFFECTS OF POVERTY THROUGH THE PROVISION OF DIRECT AND INTEGRATED SERVICES, THE PROMOTION OF SELF-SUFFICIENCY, AND THE ADVANCEMENT OF SOCIAL CHANGE.
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IRS990/BooksInCareOfDetail/PhoneNum05086790041
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0264 GRIFFIN STREET
IRS990/BooksInCareOfDetail/USAddress/CityNm0FALL RIVER
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IRS990/CollectionsOfArtInd00
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IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0537644
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IRS990/CompensationProcessOtherInd00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt152 FORSYTHIA LANE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt257 15TH STREET
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IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1COASTLINE PLUMBING & MECHANICAL
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2INSULATION R US
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3EAGLE ENERGY SYSTEMS
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IRS990/ContractorCompensationGrp/ServicesDesc1WEATHERZATION & INSULATION
IRS990/ContractorCompensationGrp/ServicesDesc2WEATHERZATION & INSULATION
IRS990/ContractorCompensationGrp/ServicesDesc3WEATHERZATION & INSULATION
IRS990/ContractorCompensationGrp/ServicesDesc4WEATHERZATION & INSULATION
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IRS990/Desc0ENERGY PROGRAMS ASSIST ELIGIBLE HOUSEHOLDS TO PAY THEIR HEATING BILLS; PROVIDE REPAIRS AND REPLACEMENT OF HEATERS TO HOMEOWNERS AND TENANTS; PROVIDE INSULATION, AIR SEALING AND PERFORM HEALTH AND SAFETY TESTING AT NO COST TO HOMEOWNERS OR TENANTS; AND PROVIDE ENERGY EFFICIENT LIGHT BULBS AND DETERMINES IF HOMEOWNERS OR TENANTS QUALIFIES FOR AN ENERGY EFFICIENT REFRIGERATOR TO REPLACE AN EXISTING HIGH USE REFRIGERATOR.
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IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR FAMILY PLANNING
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IRS990/ProgSrvcAccomActy2Grp/Desc0HEAD START PROGRAMS PROVIDES COMPREHENSIVE EDUCATION, HEALTH, NUTRITION AND SOCIAL SERVICES TO PRE-SCHOOL CHILDREN AGES 2.9 - 5 YEARS OF AGE FROM INCOME ELIGIBLE FAMILIES; AND PROVIDE SERVICES FOR LOW-INCOME EXPECTANT COUPLES AND FAMILIES WITH INFANTS AND TODDLERS TO ENHANCE THE CHILDREN'S DEVELOPMENT DURING THEIR FIRST THREE YEARS.
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