Civic Intelligence

Financial Research Association

990EZ • Fiscal year 2016 • EIN 76-0749956

Jan 01, 2016 to Dec 31, 2016 • Filed on Jun 01, 2017

140 Commonwealth Ave C/O Boston ColChestnut Hill, MA 02467

(617) 552-6786

Siviq Scores

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

Liabilities / Assets

83rd percentile

0.22x

Higher debt load relative to assets than 83% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Liabilities / Revenue

91st percentile

0.42x

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

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Net Margin

11th percentile

-34%

Higher net margin than 11% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Top Officer Pay

75th percentile

$0

Higher top officer pay than 75% of similar nonprofits.

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

2016 filings • 501(c)3 • <$500k nonprofits • Source year 2016

Asset Growth

54th percentile

4.0%

Faster asset growth than 54% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Revenue Growth

22nd percentile

-23%

Faster revenue growth than 22% of similar nonprofits.

2016 filings • 501(c)3 • <$500k nonprofits • Annualized from 2015 to 2016

Assets

Up

$105,799

Up $4,072 (+4.0%) from 2015

Net Assets

Down

$82,964

Down $18,473 (-18%) from 2015

Liabilities

Up

$22,835

Up $22,545 (+7774%) from 2015

Revenue

Down

$54,454

Down $15,928 (-23%) from 2015

Expenses

Up

$72,927

Up $12,802 (+21%) from 2015

Net Income

Down

-$18,473

Down $28,730 (-280%) from 2015

Historical Trend

Balance Sheet Trend

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

$300K$200K$100K$0Assets 2011: $67,833Liabilities 2011: $02011Assets 2012: $88,893Liabilities 2012: $02012Assets 2013: $120,535Liabilities 2013: $02013Assets 2014: $108,621Liabilities 2014: $17,441Net Assets 2014: $91,1802014Assets 2015: $101,727Liabilities 2015: $290Net Assets 2015: $101,4372015Assets 2016: $105,799Liabilities 2016: $22,835Net Assets 2016: $82,9642016Assets 2017: $90,817Liabilities 2017: $18,364Net Assets 2017: $72,4532017Assets 2018: $92,484Liabilities 2018: $493Net Assets 2018: $91,9912018Assets 2019: $126,575Liabilities 2019: $9,402Net Assets 2019: $117,1732019Assets 2020: $139,483Liabilities 2020: $0Net Assets 2020: $139,4832020Assets 2021: $172,573Liabilities 2021: $5,908Net Assets 2021: $166,6652021Assets 2022: $197,082Liabilities 2022: $0Net Assets 2022: $197,0822022Assets 2023: $238,314Liabilities 2023: $8,295Net Assets 2023: $230,0192023Assets 2024: $272,955Liabilities 2024: $0Net Assets 2024: $272,9552024

Highlighted filing

2016

Assets$105,799
Liabilities$22,835
Net Assets$82,964

Operations Trend

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

$150K$100K$50K$0-$50KRevenue 2011: $46,686Expenses 2011: $33,857Net Income 2011: $12,8292011Revenue 2012: $66,689Expenses 2012: $45,559Net Income 2012: $21,1302012Revenue 2013: $72,161Expenses 2013: $40,589Net Income 2013: $31,5722013Revenue 2014: $65,883Expenses 2014: $95,238Net Income 2014: -$29,3552014Revenue 2015: $70,382Expenses 2015: $60,125Net Income 2015: $10,2572015Revenue 2016: $54,454Expenses 2016: $72,927Net Income 2016: -$18,4732016Revenue 2017: $55,323Expenses 2017: $65,834Net Income 2017: -$10,5112017Revenue 2018: $97,844Expenses 2018: $78,306Net Income 2018: $19,5382018Revenue 2019: $94,473Expenses 2019: $69,291Net Income 2019: $25,1822019Revenue 2020: $22,500Expenses 2020: $190Net Income 2020: $22,3102020Revenue 2021: $93,635Expenses 2021: $66,453Net Income 2021: $27,1822021Revenue 2022: $100,601Expenses 2022: $70,184Net Income 2022: $30,4172022Revenue 2023: $125,153Expenses 2023: $92,216Net Income 2023: $32,9372023Revenue 2024: $124,282Expenses 2024: $81,346Net Income 2024: $42,9362024

Highlighted filing

2016

Revenue$54,454
Expenses$72,927
Net Income-$18,473
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Jun 1, 2017
Return Version
2016v3.0
Gross Receipts
$54,454
Mission and Program Overview

Mission

Education program to enhance research in the study of finance.

Program Services

DescriptionGrantsExpenses
ANNUAL CONFERENCE OF APPROXIMATELY 100 PARTICIPANTS FROM ACADEMIA AND INDUSTRY TO HELP STIMULATE THOUGHT ABOUT FINANCIAL/ECONOMIC ISSUES AND RESEARCH. THE FORMAT INVOLVES PRESENTATIONS AND DISCUSSIONS OF RESEARCH.-$72,927
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
JEFFREY PONTIFFPresident/Director-$0--
MARK HUSONDirector-$0--
BRUCE CARLINDirector-$0--
JOSEPH ENGELBERGDirector-$0--
Filing and Contact Details

Filer

Filer Name
Financial Research Association
EIN
76-0749956
Phone
6175526786
Address
140 COMMONWEALTH AVE C/O BOSTON COL, CHESTNUT HILL, MA 02467

Signing Officer

Name
Jeffrey Pontiff
Title
President/director
Phone
6175526786
Signed
2017-06-01
Discuss with paid preparer
Yes

Preparer

Firm
Felix G Cincotta CPA & Consultants
Address
ONE GATEWAY CENTER, NEWTON, MA 02458
Preparer
Felix G Cincotta CPA
Phone
6173322227
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 16

Conference and program expenses 53298.

Form 990EZ, Part I, Line 16

Speaker honorariums and awards 14136.

Form 990EZ, Part I, Line 16

BANK CHARGES 1228.

Form 990EZ, Part I, Line 16

Administrative expenses 2287.

Form 990EZ, Part I, Line 16

INSURANCE 1978.

Form 990EZ, Part II, Line 26

Credit card liabilities 290. 22835.

Raw XML Appendix171 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
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0CHESTNUT HILL
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JOSEPH ENGELBERG
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT/DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherExpensesTotalAmt072927
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0EDUCATION PROGRAM TO ENHANCE RESEARCH IN THE STUDY OF FINANCE.
IRS990EZ/ProgramServiceRevenueAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0ANNUAL CONFERENCE OF APPROXIMATELY 100 PARTICIPANTS FROM ACADEMIA AND INDUSTRY TO HELP STIMULATE THOUGHT ABOUT FINANCIAL/ECONOMIC ISSUES AND RESEARCH. THE FORMAT INVOLVES PRESENTATIONS AND DISCUSSIONS OF RESEARCH.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt072927
IRS990EZ/ProhibitedTaxShelterTransInd0false
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IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0TX
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0290
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt022835
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt072927
IRS990EZ/TotalProgramServiceExpensesAmt072927
IRS990EZ/TotalRevenueAmt054454
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0www.financialresearchassociation.org
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt054446
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt070373
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt072153
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt066650
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0329498
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt08
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt09
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt07
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt08
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt039
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt071
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt08
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt09
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt07
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt08
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt039
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt071
IRS990ScheduleA/InvestmentIncomeCYPct00.00020
IRS990ScheduleA/InvestmentIncomePYPct00.00050
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00
IRS990ScheduleA/PublicSupportCY509Pct00.99980
IRS990ScheduleA/PublicSupportPY509Pct00.99950
IRS990ScheduleA/PublicSupportTotal170Amt00
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IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt054446
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt070373
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt065876
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt072153
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt066650
IRS990ScheduleA/Total509Grp/TotalAmt0329498
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt0329569
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
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0CONFERENCE AND PROGRAM EXPENSES 53298.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1SPEAKER HONORARIUMS AND AWARDS 14136.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BANK CHARGES 1228.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ADMINISTRATIVE EXPENSES 2287.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4INSURANCE 1978.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CREDIT CARD LIABILITIES 290. 22835.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part II, Line 26
ReturnHeader/BuildTS02017-02-10 21:41:12Z
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ReturnHeader/BusinessOfficerGrp/PhoneNum06175526786
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-06-01
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0FINANCIAL RESEARCH ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0FINA
ReturnHeader/Filer/EIN0760749956
ReturnHeader/Filer/PhoneNum06175526786
ReturnHeader/Filer/USAddress/AddressLine1Txt0140 COMMONWEALTH AVE C/O BOSTON COL
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ReturnHeader/FilingSecurityInformation/IPTm010:04:25
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ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002458
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ReturnHeader/PreparerPersonGrp/PreparerPersonNm0FELIX G CINCOTTA CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02017-06-22T10:04:30-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.73$0.00$2.73$1.24$0.81$0.43
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.38$0.08$2.30$1.25$0.92$0.33
2022Detailed filing. Detailed filing data is available for this year.$1.97$0.00$1.97$1.01$0.70$0.30
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.73$0.06$1.67$0.94$0.66$0.27
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.39$0.00$1.39$0.23$0.00$0.22
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.27$0.09$1.17$0.94$0.69$0.25
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.92$0.00$0.92$0.98$0.78$0.20
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.91$0.18$0.72$0.55$0.66$0.11
2016Detailed filing. Detailed filing data is available for this year.$1.06$0.23$0.83$0.54$0.73$0.18
2015Detailed filing. Detailed filing data is available for this year.$1.02$0.00$1.01$0.70$0.60$0.10
2014Detailed filing. Detailed filing data is available for this year.$1.09$0.17$0.91$0.66$0.95$0.29
2013Summary only. Only limited summary data is available for this year.$1.21$0.00$0.72$0.41$0.32
2012Summary only. Only limited summary data is available for this year.$0.89$0.00$0.67$0.46$0.21
2011Summary only. Only limited summary data is available for this year.$0.68$0.00$0.47$0.34$0.13