Civic Intelligence

Bay State Savings Charitable

EIN 80-0038576 • Worcester, MA

28 Franklin StreetWorcester, MA 01608
Siviq Scores

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

Liabilities / Assets

62nd percentile

0.00x

Higher debt load relative to assets than 62% of similar nonprofits.

<$500k nonprofits • Source year 2023

Liabilities / Revenue

63rd percentile

0.00x

Higher debt load relative to revenue than 63% of similar nonprofits.

<$500k nonprofits • Source year 2023

Net Margin

90th percentile

54%

Higher net margin than 90% of similar nonprofits.

<$500k nonprofits • Source year 2023

Top Officer Pay

84th percentile

$0

Higher top officer pay than 84% of similar nonprofits.

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

<$500k nonprofits • Source year 2020

Asset Growth

77th percentile

16%

Faster asset growth than 77% of similar nonprofits.

<$500k nonprofits • Annualized from 2022 to 2023

Revenue Growth

54th percentile

1.8%

Faster revenue growth than 54% of similar nonprofits.

<$500k nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets62nd percentile

Assets

Up

$128,582

Up $1,840 (+1.5%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Up

$128,582

Up $1,840 (+1.5%) from 2023

Operations
Liabilities / Revenue63rd percentileNet Margin90th percentile

Revenue

Down

$3,058

Down $28,848 (-90%) from 2023

Expenses

Down

$1,218

Down $13,405 (-92%) from 2023

Net Income

Down

$1,840

Down $15,443 (-89%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth77th percentile

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

$200K$150K$100K$50K$0Assets 2011: $151,261Liabilities 2011: $02011Assets 2012: $126,585Liabilities 2012: $02012Assets 2013: $109,027Liabilities 2013: $02013Assets 2014: $80,312Liabilities 2014: $02014Assets 2015: $93,143Liabilities 2015: $02015Assets 2019: $67,655Liabilities 2019: $02019Assets 2020: $81,604Liabilities 2020: $0Net Assets 2020: $81,6042020Assets 2021: $96,717Liabilities 2021: $0Net Assets 2021: $96,7172021Assets 2022: $109,459Liabilities 2022: $0Net Assets 2022: $109,4592022Assets 2023: $126,742Liabilities 2023: $0Net Assets 2023: $126,7422023Assets 2024: $128,582Liabilities 2024: $0Net Assets 2024: $128,5822024

Highlighted filing

2024

Assets$128,582
Liabilities$0
Net Assets$128,582
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$60K$40K$20K$0-$20K-$40KRevenue 2011: $1,168Expenses 2011: $27,377Net Income 2011: -$26,2092011Revenue 2012: $902Expenses 2012: $25,578Net Income 2012: -$24,6762012Revenue 2013: $495Expenses 2013: $18,053Net Income 2013: -$17,5582013Revenue 2014: $367Expenses 2014: $29,082Net Income 2014: -$28,7152014Revenue 2015: $40,814Expenses 2015: $27,983Net Income 2015: $12,8312015Revenue 2019: $11,158Expenses 2019: $21,922Net Income 2019: -$10,7642019Revenue 2020: $31,164Expenses 2020: $17,215Net Income 2020: $13,9492020Revenue 2021: $31,123Expenses 2021: $16,010Net Income 2021: $15,1132021Revenue 2022: $31,327Expenses 2022: $18,585Net Income 2022: $12,7422022Revenue 2023: $31,906Expenses 2023: $14,623Net Income 2023: $17,2832023Revenue 2024: $3,058Expenses 2024: $1,218Net Income 2024: $1,8402024

Highlighted filing

2024

Revenue$3,058
Expenses$1,218
Net Income$1,840
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$128,582
Liabilities
$0
Net assets
$128,582
Revenue
$3,058
Expenses
$1,218
Net income
$1,840
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.29$0.00$1.29$0.03$0.01$0.02
2023Detailed filing. Detailed filing data is available for this year.$1.27$0.00$1.27$0.32$0.15$0.17
2022Detailed filing. Detailed filing data is available for this year.$1.09$0.00$1.09$0.31$0.19$0.13
2021Detailed filing. Detailed filing data is available for this year.$0.97$0.00$0.97$0.31$0.16$0.15
2020Detailed filing. Detailed filing data is available for this year.$0.82$0.00$0.82$0.31$0.17$0.14
2019Summary only. Only limited summary data is available for this year.$0.68$0.00$0.11$0.22$0.11
2015Summary only. Only limited summary data is available for this year.$0.93$0.00$0.41$0.28$0.13
2014Summary only. Only limited summary data is available for this year.$0.80$0.00$0.00$0.29$0.29
2013Summary only. Only limited summary data is available for this year.$1.09$0.00$0.00$0.18$0.18
2012Summary only. Only limited summary data is available for this year.$1.27$0.00$0.01$0.26$0.25
2011Summary only. Only limited summary data is available for this year.$1.51$0.00$0.01$0.27$0.26
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Mar 19, 2025
Return Version
2024v5.0
Compensation and Service Providers
Top Officer Pay84th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jay Z AframeDirector-$0--
John E GrahamDirector-$0--
George F Sullivan JrDirector-$0--
Diane GiampaPresident-$0--
Cheri E CartyTreasurer And Clerk-$0--
Filing and Contact Details

Filer

Filer Name
Bay State Savings Charitable
EIN
80-0038576
Phone
5088909078
Address
28 Franklin Street, Worcester, MA 01608

Signing Officer

Name
Cheri Carty
Title
Treasurer
Phone
5088909078
Signed
2025-03-19
Discuss with paid preparer
Yes

Preparer

Firm
Baker Newman & Noyes
Address
133 FEDERAL STREET SUITE 902, BOSTON, MA 02110
Preparer
Connor Smart
Phone
6175563900
Raw XML Appendix300 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.

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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm0Jay Z Aframe
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm1John E Graham
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm2George F Sullivan Jr
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm3Diane Giampa
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/PersonNm4Cheri E Carty
IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt0Director
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IRS990PF/OfficerDirTrstKeyEmplInfoGrp/OfficerDirTrstKeyEmplGrp/TitleTxt4Treasurer and Clerk
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IRS990PF/StatementsRegardingActyGrp/PersonsWithBooksName/BusinessNameLine1Txt0Cheri E Carty
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IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/FormAndInfoAndMaterialsTxt0Applications, guidelines, and submission procedures are available on the Bay State Savings Bank website, at the following address: https://www.baystatesavingsbank.com/about-us/community-involvement/ bss-charitable-foundation/ As of the filing of this Form 990-PF, the Foundation is reevaluating its giving criteria, including how materials and applications should be submitted, what form applications should be submitted in, and when applications are due.
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientPersonNm0The Organization
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientPhoneNum05088909000
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientUSAddress/AddressLine1Txt0Bay State Savings Charitable
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientUSAddress/AddressLine2Txt0Foundation 28 Franklin Street
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientUSAddress/CityNm0Worcester
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientUSAddress/StateAbbreviationCd0MA
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RecipientUSAddress/ZIPCd001608
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/RestrictionsOnAwardsTxt0The Bay State Savings Charitable Foundation provides support only to non-for-profit, tax-exempt organizations as defined by Section 501(c)(3) of the Internal Revenue Service Code. The Foundation was created for the specific purpose of making contributions to organizations that enhance the quality of life in selection communities by further culture and arts, education, the environment, health and human services, civic affairs, and community development. However, as of the filing of this Form 990-PF, specific conditions, restrictions, and limitations on awards are currently pending determination as the Foundation reevaluates its giving criteria.
IRS990PF/SupplementaryInformationGrp/ApplicationSubmissionInfoGrp/SubmissionDeadlinesTxt0No current deadlines for submissions as giving criteria are reevaluated.
IRS990PF/SupplementaryInformationGrp/TotalGrantOrContriApprvFutAmt00
IRS990PF/SupplementaryInformationGrp/TotalGrantOrContriPdDurYrAmt00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/LoansOrLoanGuaranteesInd00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/PerformanceOfServicesEtcInd00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/PurchaseOfAssetsNonchrtblEOInd00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/ReimbursementArrangementsInd00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/RelationshipsNonchrtblEOInd00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/RentalOfFacilitiesOthAssetsInd00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/SalesOrExchangesOfAssetsInd00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/SharingOfFacilitiesEtcInd00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/TrnsfrOfCashToNonchrtblEOInd00
IRS990PF/TrnsfrTransRlnNonchrtblEOGrp/TrnsfrOtherAssetNonchrtblEOInd00
IRS990PF/UndistributedIncomeGrp/AppliedToCurrentYearAmt0631
IRS990PF/UndistributedIncomeGrp/AppliedToPriorYearsAmt00
IRS990PF/UndistributedIncomeGrp/AppliedToYear1Amt00
IRS990PF/UndistributedIncomeGrp/CorpusDistri170b1EOr4942g3Amt00
IRS990PF/UndistributedIncomeGrp/DistributableAsAdjustedAmt06270
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovAppCYAmt05639
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr1Amt08959
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr2Amt013573
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr3Amt011750
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr4Amt012259
IRS990PF/UndistributedIncomeGrp/ExcessDistributionCyovYr5Amt017840
IRS990PF/UndistributedIncomeGrp/ExcessDistriCyovAppCYCorpusAmt05639
IRS990PF/UndistributedIncomeGrp/ExcessDistriCyovFromYr5Amt012201
IRS990PF/UndistributedIncomeGrp/ExcessDistriCyovToNextYrAmt046541
IRS990PF/UndistributedIncomeGrp/ExcessFromYear1Amt08959
IRS990PF/UndistributedIncomeGrp/ExcessFromYear2Amt013573
IRS990PF/UndistributedIncomeGrp/ExcessFromYear3Amt011750
IRS990PF/UndistributedIncomeGrp/ExcessFromYear4Amt012259
IRS990PF/UndistributedIncomeGrp/PriorYearDeficiencyOrTaxAmt00
IRS990PF/UndistributedIncomeGrp/PriorYearUndistributedIncmAmt00
IRS990PF/UndistributedIncomeGrp/QualifyingDistributionsAmt0631
IRS990PF/UndistributedIncomeGrp/RemainingDistriFromCorpusAmt00
IRS990PF/UndistributedIncomeGrp/Taxable1Amt00
IRS990PF/UndistributedIncomeGrp/Taxable2Amt00
IRS990PF/UndistributedIncomeGrp/TotalCorpusAmt058742
IRS990PF/UndistributedIncomeGrp/TotalExcessDistributionCyovAmt064381
IRS990PF/UndistributedIncomeGrp/TotalForPriorYearsAmt00
IRS990PF/UndistributedIncomeGrp/TreatedAsDistriFromCorpusAmt00
IRS990PF/UndistributedIncomeGrp/UndistributedIncomeCYAmt00
IRS990PF/UndistributedIncomeGrp/UndistributedIncomePYAmt00
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc0State Fees
OtherExpensesSchedule/OtherExpensesScheduleGrp/Desc1Banking Fees
OtherExpensesSchedule/OtherExpensesScheduleGrp/DisbursementsCharitablePrpsAmt054
OtherExpensesSchedule/OtherExpensesScheduleGrp/DisbursementsCharitablePrpsAmt10
OtherExpensesSchedule/OtherExpensesScheduleGrp/NetInvestmentIncomeAmt00
OtherExpensesSchedule/OtherExpensesScheduleGrp/NetInvestmentIncomeAmt15
OtherExpensesSchedule/OtherExpensesScheduleGrp/RevenueAndExpensesPerBooksAmt054
OtherExpensesSchedule/OtherExpensesScheduleGrp/RevenueAndExpensesPerBooksAmt15
TaxesSchedule/TaxesDetail/Amt04
TaxesSchedule/TaxesDetail/CategoryTxt0Excise Taxes
TaxesSchedule/TaxesDetail/DisbursementsCharitablePrpsAmt00
TaxesSchedule/TaxesDetail/NetInvestmentIncomeAmt00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Cheri Carty
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Treasurer
ReturnHeader/BusinessOfficerGrp/PhoneNum05088909078
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-03-19
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Bay State Savings Charitable
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0Foundation Inc
ReturnHeader/Filer/BusinessNameControlTxt0BAYS
ReturnHeader/Filer/EIN0800038576
ReturnHeader/Filer/PhoneNum05088909078
ReturnHeader/Filer/USAddress/AddressLine1Txt028 Franklin Street
ReturnHeader/Filer/USAddress/CityNm0Worcester
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd001608
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0010494526
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0BAKER NEWMAN & NOYES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0133 FEDERAL STREET SUITE 902
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BOSTON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd002110
ReturnHeader/PreparerPersonGrp/PhoneNum06175563900
ReturnHeader/PreparerPersonGrp/PreparationDt02025-03-19
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Connor Smart
ReturnHeader/ReturnTs02025-04-04T13:25:16-05:00
ReturnHeader/ReturnTypeCd0990PF
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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