Civic Intelligence

Mass Bay Credit Union Charitable

EIN 47-4345057 • 501(c)3 • South Boston, MA

Profile

The foundation seeks to provide support to local causes that make the community a better place to live and work. Following the ideal of people helping people, the foundation works to identify places where it can make a difference, such as providing scholarship opportunities, and donating 100% of its fundraising, with nothing held back for administrative expenses.

147 West Fourth StreetSouth Boston, MA 02127

www.massbaycu.org

Siviq Scores

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

Liabilities / Assets

60th percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

62nd percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2025

Net Margin

90th percentile

52%

Higher net margin than 90% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2025

Top Officer Pay

81st percentile

$0

Higher top officer pay than 81% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • <$500k nonprofits • Source year 2025

Asset Growth

75th percentile

19%

Faster asset growth than 75% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

63rd percentile

9.4%

Faster revenue growth than 63% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$141,019

Up $23,530 (+20%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$141,019

Up $23,530 (+20%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin90th percentile

Revenue

Down

$46,480

Down $409 (-0.9%) from 2023

Expenses

Down

$22,950

Down $4,043 (-15%) from 2023

Net Income

Up

$23,530

Up $3,634 (+18%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth75th percentile

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

$150K$100K$50K$0Assets 2017: $21,384Liabilities 2017: $0Net Assets 2017: $21,3842017Assets 2018: $41,577Liabilities 2018: $0Net Assets 2018: $41,5772018Assets 2019: $60,391Liabilities 2019: $0Net Assets 2019: $60,3912019Assets 2020: $45,850Liabilities 2020: $0Net Assets 2020: $45,8502020Assets 2021: $81,767Liabilities 2021: $0Net Assets 2021: $81,7672021Assets 2022: $97,593Liabilities 2022: $0Net Assets 2022: $97,5932022Assets 2023: $117,489Liabilities 2023: $0Net Assets 2023: $117,4892023Assets 2024: $141,019Liabilities 2024: $0Net Assets 2024: $141,0192024

Highlighted filing

2024

Assets$141,019
Liabilities$0
Net Assets$141,019
Open 2024 Filing

Operations Trend

Revenue Growth63rd percentile

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

$60K$40K$20K$0-$20KRevenue 2017: $45,229Expenses 2017: $33,882Net Income 2017: $11,3472017Revenue 2018: $53,538Expenses 2018: $33,345Net Income 2018: $20,1932018Revenue 2019: $48,549Expenses 2019: $29,735Net Income 2019: $18,8142019Revenue 2020: $10,330Expenses 2020: $24,871Net Income 2020: -$14,5412020Revenue 2021: $46,739Expenses 2021: $10,822Net Income 2021: $35,9172021Revenue 2022: $39,871Expenses 2022: $24,045Net Income 2022: $15,8262022Revenue 2023: $46,889Expenses 2023: $26,993Net Income 2023: $19,8962023Revenue 2024: $46,480Expenses 2024: $22,950Net Income 2024: $23,5302024

Highlighted filing

2024

Revenue$46,480
Expenses$22,950
Net Income$23,530
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$141,019
Liabilities
$0
Net assets
$141,019
Revenue
$46,480
Expenses
$22,950
Net income
$23,530
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.41$0.00$1.41$0.46$0.23$0.24
2023Detailed filing. Detailed filing data is available for this year.$1.17$0.00$1.17$0.47$0.27$0.20
2022Detailed filing. Detailed filing data is available for this year.$0.98$0.00$0.98$0.40$0.24$0.16
2021Detailed filing. Detailed filing data is available for this year.$0.82$0.00$0.82$0.47$0.11$0.36
2020Detailed filing. Detailed filing data is available for this year.$0.46$0.00$0.46$0.10$0.25$0.15
2019Detailed filing. Detailed filing data is available for this year.$0.60$0.00$0.60$0.49$0.30$0.19
2018Detailed filing. Detailed filing data is available for this year.$0.42$0.00$0.42$0.54$0.33$0.20
2017Detailed filing. Detailed filing data is available for this year.$0.21$0.00$0.21$0.45$0.34$0.11
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.1
Gross Receipts
$68,626
Mission and Program Overview

Mission

The foundation seeks to provide support to local causes that make the community a better place to live and work. Following the ideal of people helping people, the foundation works to identify places where it can make a difference, such as providing scholarship opportunities, and donating 100% of its fundraising, with nothing held back for administrative expenses.

Program Services

DescriptionGrantsExpenses
THE FOUNDATION DONATED PROCEEDS FROM GOLF TOURNAMENT TO NUMEROUS ORGANIZATIONS IN THE BOSTON AREA.$0$18,950
THE FOUNDATION GRANTED FOUR SCHOLARSHIPS TO LOCAL HIGH SCHOOL STUDENTS ENROLLING IN AN UNDERGRADUATE COLLEGE PROGRAM.$0$4,000
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
KELLI CULLENTreasurer-$0--
THERESA DORILASPresident-$0--
JOSEPH MOSCAClerk-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Tournament$39,100$8,400$8,414$-14
Total Events$39,100$8,400$22,146$-13,746
Filing and Contact Details

Filer

Filer Name
Mass Bay Credit Union Charitable
EIN
47-4345057
Phone
6172692700
Address
147 WEST FOURTH STREET, SOUTH BOSTON, MA 02127

Signing Officer

Name
Theresa Dorilas
Title
President
Phone
8778295500
Signed
2025-05-13
Discuss with paid preparer
Yes

Preparer

Firm
Gerald T Reilly & Company
Address
424 ADAMS STREET, MILTON, MA 02186
Preparer
Jayme F Moore CPA
Phone
6176968900
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 10 - Grants and Similar Amounts Paid

“Activity classification: charitable. Grantee name: various local organizations. Date of gift: various. Amount given: 22,950.”

Raw XML Appendix163 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/ActivitiesNotPreviouslyRptInd00
IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0THERESA DORILAS
IRS990EZ/BooksInCareOfDetail/PhoneNum06172692700
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0147 W 4TH ST
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0BOSTON
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd002127
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0117489
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0141019
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt060226
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt023530
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
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IRS990EZ/FundraisingGrossIncomeAmt08400
IRS990EZ/GrantsAndSimilarAmountsPaidAmt022950
IRS990EZ/GrossReceiptsAmt068626
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InfoInScheduleOPartVInd0X
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0117489
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0141019
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0117489
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0141019
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0KELLI CULLEN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1THERESA DORILAS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JOSEPH MOSCA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2CLERK
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0THE FOUNDATION SEEKS TO PROVIDE SUPPORT TO LOCAL CAUSES THAT MAKE THE COMMUNITY A BETTER PLACE TO LIVE AND WORK. FOLLOWING THE IDEAL OF PEOPLE HELPING PEOPLE, THE FOUNDATION WORKS TO IDENTIFY PLACES WHERE IT CAN MAKE A DIFFERENCE, SUCH AS PROVIDING SCHOLARSHIP OPPORTUNITIES, AND DONATING 100% OF ITS FUNDRAISING, WITH NOTHING HELD BACK FOR ADMINISTRATIVE EXPENSES.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0THE FOUNDATION GRANTED FOUR SCHOLARSHIPS TO LOCAL HIGH SCHOOL STUDENTS ENROLLING IN AN UNDERGRADUATE COLLEGE PROGRAM.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1THE FOUNDATION DONATED PROCEEDS FROM GOLF TOURNAMENT TO NUMEROUS ORGANIZATIONS IN THE BOSTON AREA.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt10
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt04000
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt118950
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/SchoolOperatingInd00
IRS990EZ/SpecialEventsDirectExpensesAmt022146
IRS990EZ/SpecialEventsNetIncomeLossAmt0-13746
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MA
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt022950
IRS990EZ/TotalProgramServiceExpensesAmt022950
IRS990EZ/TotalRevenueAmt046480
IRS990EZ/TransactionWithControlEntInd00
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.MASSBAYCU.ORG
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt060226
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt058685
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt056459
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt060245
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt010330
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0245945
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.49140
IRS990ScheduleA/PublicSupportPY170Pct00.60650
IRS990ScheduleA/PublicSupportTotal170Amt0120864
IRS990ScheduleA/SubstantialContributorsTotAmt0125081
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt060226
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt058685
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt056459
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt060245
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt010330
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0245945
IRS990ScheduleA/TotalSupportAmt0245945
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
IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContributionsTotAmt030700
IRS990ScheduleG/FundraisingEventInformationGrp/CharitableContriEvent1Amt030700
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt022146
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0GOLF TOURNAMENT
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt04982
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt04982
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt039100
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt039100
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt08400
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt08400
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt0-13746
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt08414
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt08414
IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent1Amt08750
IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsTotalEventsAmt08750
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0ACTIVITY CLASSIFICATION: CHARITABLE. GRANTEE NAME: VARIOUS LOCAL ORGANIZATIONS. DATE OF GIFT: VARIOUS. AMOUNT GIVEN: 22,950.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0THERESA DORILAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum08778295500
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MASS BAY CREDIT UNION CHARITABLE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FOUNDATION INC
ReturnHeader/Filer/BusinessNameControlTxt0MASS
ReturnHeader/Filer/EIN0474345057
ReturnHeader/Filer/PhoneNum06172692700
ReturnHeader/Filer/USAddress/AddressLine1Txt0147 WEST FOURTH STREET
ReturnHeader/Filer/USAddress/CityNm0SOUTH BOSTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002127
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0042513210
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GERALD T REILLY & COMPANY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0424 ADAMS STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MILTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002186
ReturnHeader/PreparerPersonGrp/PhoneNum06176968900
ReturnHeader/PreparerPersonGrp/PreparationDt02025-05-13
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JAYME F MOORE CPA
ReturnHeader/ReturnTs02025-05-13T13:43:30-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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