Civic Intelligence

Dr Ralph J Froio Scholarship Fund

EIN 84-3226370 • 501(c)3 • Cohasset, MA

Profile

The organization provides educational grants to support post-high school education for past/current employees of cohasset golf club, children of such employees, and residents of cohasset, ma, and to support other charitable, educational, and scientific projects.

175 Lamberts LaneCohasset, MA 02025

n/A

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 2024

Liabilities / Revenue

62nd percentile

0.00x

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

501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

87th percentile

41%

Higher net margin than 87% of similar nonprofits.

501(c)3 • <$500k nonprofits • Source year 2024

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 2024

Asset Growth

73rd percentile

16%

Faster asset growth than 73% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

47th percentile

-5.3%

Faster revenue growth than 47% of similar nonprofits.

501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets60th percentile

Assets

Up

$136,587

Up $18,661 (+16%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

$136,587

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue62nd percentileNet Margin87th percentile

Revenue

Down

$45,161

Down $2,504 (-5.3%) from 2023

Expenses

Up

$26,500

Up $12,500 (+89%) from 2023

Net Income

Down

$18,661

Down $15,004 (-45%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth73rd percentile

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

$150K$100K$50K$0Assets 2019: $23,050Liabilities 2019: $0Net Assets 2019: $23,0502019Assets 2020: $42,023Liabilities 2020: $0Net Assets 2020: $42,0232020Assets 2021: $56,919Liabilities 2021: $0Net Assets 2021: $56,9192021Assets 2022: $84,261Liabilities 2022: $0Net Assets 2022: $84,2612022Assets 2023: $117,926Liabilities 2023: $02023Assets 2024: $136,587Liabilities 2024: $0Net Assets 2024: $136,5872024

Highlighted filing

2024

Assets$136,587
Liabilities$0
Net Assets$136,587
Open 2024 Filing

Operations Trend

Revenue Growth47th percentile

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

$60K$40K$20K$0Revenue 2019: $23,050Expenses 2019: $0Net Income 2019: $23,0502019Revenue 2020: $24,448Expenses 2020: $5,475Net Income 2020: $18,9732020Revenue 2021: $40,631Expenses 2021: $25,735Net Income 2021: $14,8962021Revenue 2022: $41,377Expenses 2022: $14,035Net Income 2022: $27,3422022Revenue 2023: $47,665Expenses 2023: $14,000Net Income 2023: $33,6652023Revenue 2024: $45,161Expenses 2024: $26,500Net Income 2024: $18,6612024

Highlighted filing

2024

Revenue$45,161
Expenses$26,500
Net Income$18,661
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$136,587
Liabilities
$0
Net assets
$136,587
Revenue
$45,161
Expenses
$26,500
Net income
$18,661
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.37$0.00$1.37$0.45$0.27$0.19
2023Summary only. Only limited summary data is available for this year.$1.18$0.00$0.48$0.14$0.34
2022Detailed filing. Detailed filing data is available for this year.$0.84$0.00$0.84$0.41$0.14$0.27
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.57$0.00$0.57$0.41$0.26$0.15
2020Detailed filing. Detailed filing data is available for this year.$0.42$0.00$0.42$0.24$0.05$0.19
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.23$0.00$0.23$0.23$0.00$0.23
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 16, 2025
Return Version
2024v5.2
Gross Receipts
$45,161
Mission and Program Overview

Mission

The organization provides educational grants to support post-high school education for past/current employees of cohasset golf club, children of such employees, and residents of cohasset, ma, and to support other charitable, educational, and scientific projects.

Program Services

DescriptionGrantsExpenses
THE ORGANIZATION PROVIDES EDUCATIONAL GRANTS TO SUPPORT POST-HIGH SCHOOL EDUCATION FOR PAST/CURRENT EMPLOYEES OF COHASSET GOLF CLUB, CHILDREN OF SUCH EMPLOYEES, AND RESIDENTS OF COHASSET, MA, AND TO SUPPORT OTHER CHARITABLE, EDUCATIONAL, AND SCIENTIFIC PROJECTS.$26,500$26,500
Compensation and Service Providers
Top Officer Pay81st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
JAMES PETERSONPresident-$0--
KRISTEN WOODSTreasurer-$0--
GARY BALDINOSecretary-$0--
CATHY MCGOVERNExecutive Committee Member-$0--
PAUL FROIOBoard Member-$0--
EMMETT O'BRIENBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Dr Ralph J Froio Scholarship Fund
EIN
84-3226370
Phone
7813839890
Address
175 LAMBERTS LANE, COHASSET, MA 02025

Signing Officer

Name
Kristen Woods
Title
Treasurer
Phone
7813839890
Signed
2025-09-16
Discuss with paid preparer
Yes

Preparer

Firm
CONDON O'MEARA MCGINTY & DONNELLY LLP
Address
ONE BATTERY PARK PLAZA 7TH FL, NEW YORK, NY 10004
Preparer
Alexander Lazzaruolo
Phone
2126617777
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 4 - Other Investment Income

“Description: interest income. Amount: 11.”

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

“Activity classification: scholarships. Grantee name: grants under $5,000. Grantee relationship: none. Amount given: 26,500.”

Raw XML Appendix157 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/BusinessNameLine1Txt0KRISTEN WOODS
IRS990EZ/BooksInCareOfDetail/PhoneNum07813839890
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0175 LAMBERTS LANE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0COHASSET
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd002025
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0117926
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0136587
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/ContributionsGiftsGrantsEtcAmt045150
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/EngagedInExcessBenefitTransInd00
IRS990EZ/ExcessOrDeficitForYearAmt018661
IRS990EZ/FiledScheduleAInd01
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0117926
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0136587
IRS990EZ/GrantsAndSimilarAmountsPaidAmt026500
IRS990EZ/GrossReceiptsAmt045161
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt011
IRS990EZ/LobbyingActivitiesInd00
IRS990EZ/MadeLoansToFromOfficersInd00
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0117926
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0136587
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0117926
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0136587
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt03.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt13.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JAMES PETERSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1KRISTEN WOODS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2GARY BALDINO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3CATHY MCGOVERN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4PAUL FROIO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5EMMETT O'BRIEN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3EXECUTIVE COMMITTEE MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4BOARD MEMBER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5BOARD MEMBER
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0THE ORGANIZATION PROVIDES EDUCATIONAL GRANTS TO SUPPORT POST-HIGH SCHOOL EDUCATION FOR PAST/CURRENT EMPLOYEES OF COHASSET GOLF CLUB, CHILDREN OF SUCH EMPLOYEES, AND RESIDENTS OF COHASSET, MA, AND TO SUPPORT OTHER CHARITABLE, EDUCATIONAL, AND SCIENTIFIC PROJECTS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0THE ORGANIZATION PROVIDES EDUCATIONAL GRANTS TO SUPPORT POST-HIGH SCHOOL EDUCATION FOR PAST/CURRENT EMPLOYEES OF COHASSET GOLF CLUB, CHILDREN OF SUCH EMPLOYEES, AND RESIDENTS OF COHASSET, MA, AND TO SUPPORT OTHER CHARITABLE, EDUCATIONAL, AND SCIENTIFIC PROJECTS.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt026500
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt026500
IRS990EZ/ProhibitedTaxShelterTransInd00
IRS990EZ/RelatedOrganizationCtrlEntInd00
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SchoolOperatingInd00
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MA
IRS990EZ/SubjectToProxyTaxInd00
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
IRS990EZ/TaxImposedUnderIRC4955Amt00
IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt026500
IRS990EZ/TotalProgramServiceExpensesAmt026500
IRS990EZ/TotalRevenueAmt045161
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt045150
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt047607
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt041346
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt040609
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt024448
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0199160
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt011
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt015
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt031
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt07
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt064
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt043
IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt015
IRS990ScheduleA/OtherIncome170Grp/TotalAmt058
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.99940
IRS990ScheduleA/PublicSupportTotal170Amt0199160
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt045150
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt047607
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt041346
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt040609
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt024448
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0199160
IRS990ScheduleA/TotalSupportAmt0199282
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST INCOME. AMOUNT: 11.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACTIVITY CLASSIFICATION: SCHOLARSHIPS. GRANTEE NAME: GRANTS UNDER $5,000. GRANTEE RELATIONSHIP: NONE. AMOUNT GIVEN: 26,500.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 4 - OTHER INVESTMENT INCOME
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KRISTEN WOODS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07813839890
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-09-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DR RALPH J FROIO SCHOLARSHIP FUND
ReturnHeader/Filer/BusinessNameControlTxt0DRRA
ReturnHeader/Filer/EIN0843226370
ReturnHeader/Filer/PhoneNum07813839890
ReturnHeader/Filer/USAddress/AddressLine1Txt0175 LAMBERTS LANE
ReturnHeader/Filer/USAddress/CityNm0COHASSET
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MA
ReturnHeader/Filer/USAddress/ZIPCd002025
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0133628255
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CONDON O'MEARA MCGINTY & DONNELLY LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0ONE BATTERY PARK PLAZA 7TH FL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0NEW YORK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NY
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd010004
ReturnHeader/PreparerPersonGrp/PhoneNum02126617777
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0ALEXANDER LAZZARUOLO
ReturnHeader/ReturnTs02025-09-23T11:52:15-05:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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