2025-08-08T08:34:12-05:00 2024-09-30 042734675 DANIEL DENNIS AND COMPANY LLP 990 WASHINGTON STREET STE 203 DEDHAM MA 02026 990 2023-10-01 042966372 NORTH CENTRAL MASSACHUSETTS DEVELOPMENT CORPORATION NORT 9783537600 860 SOUTH STREET FITCHBURG MA 01420 ROY NASCIMENTO PRESIDENT 9783537600 2025-08-06 0 MICHAEL DRISCOLL P01347837 6172629898 2025-07-11 2023 2025-03-06 01:10:19Z ROY NASCIMENTO 860 SOUTH STREET FITCHBURG MA 01420 1183997 0 X CHOOSENORTHCENTRAL.COM X 1986 MA EXPANDING ECONOMIC OPPORTUNITY IN CENTRAL MASSACHUSETTS 9 8 0 0 0 0 1457694 925262 137608 194837 18933 63898 0 0 1614235 1183997 0 0 0 0 562422 469854 0 0 0 685561 615685 1247983 1085539 366252 98458 6873771 6778854 845375 652000 6028396 6126854 TO EXPAND ECONOMIC DEVELOPMENT IN NORTH CENTRAL MASSACHUSETTS BY PROVIDING A VARIETY OF MARKETING AND LENDING OPPORTUNITIES TO SMALL BUSINESSES IN COOPERATION WITH VARIOUS FEDERAL AND STATE AGENCIES. 0 0 541499 194837 TO EXPAND ECONOMIC DEVELOPMENT IN NORTH CENTRAL MASSACHUSETTS BY PROVIDING ALTERNATIVE LENDING OPPORTUNITIES TO SMALL BUSINESSES. 325445 TO EXPAND ECONOMIC DEVELOPMENT FOR BUSINESSES IN NORTH CENTRAL MASSACHUSETTS THROUGH MARKETING, NEWSLETTERS, WEBSITES AND MAILING LISTS. 866944 1 1 0 0 0 0 0 0 0 0 1 0 0 0 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 0 0 1 3 0 1 0 0 0 0 0 0 0 0 0 0 0 X 9 8 0 0 0 0 0 0 0 1 1 0 0 1 1 1 1 1 1 0 0 0 MA X TERESA ROBERTS DIRECTOR FINANCIAL SERVICES 9783537600 860 SOUTH STREET FITCHBURG MA 01420 RAYMOND MARTINO CHAIRMAN 1.00 X X 0 0 0 KAREN THORNE DIRECTOR 1.00 X 0 0 0 DAVID DUVAL VICE CHAIR 1.00 X X 0 0 0 ANTHONY MERCADANTE DIRECTOR 1.00 X 0 0 0 RAYMOND LAFOND CLERK 1.00 X X 0 0 0 TREVOR BEAUREGARD DIRECTOR 1.00 X 0 0 0 MARK FREEMAN DIRECTOR 1.00 X 0 0 0 ROY NASCIMENTO PRESIDENT, TREASURER 18.00 22.00 X X 0 218226 0 CHRISTINA DIRUSSO DIRECTOR 1.00 X 0 0 0 0 218226 0 0 0 1 0 0 901172 24090 925262 LOAN INTEREST INCOME 900099 155139 155139 LOAN PROCESSING FEES 900099 39698 39698 194837 63898 63898 1183997 194837 0 63898 403994 271832 132162 21710 14608 7102 5150 3465 1685 39000 26242 12758 5160 5160 28100 28100 53644 53644 4941 4765 176 22869 21226 1643 963 963 42000 30172 11828 8898 8461 437 4187 4187 1480 1480 12168 8741 3427 PROVISIONS FOR LOAN LOS 246859 246859 ECONOMIC DEVELOPMENT 139241 139226 15 DUES & SUBSCRIPTIONS 45049 27393 17656 SOLAR ENERGY INITIATIVE 126 126 1085539 866944 218595 0 95225 696881 3487190 2783894 112534 71408 3159009 3225682 17344 18502 17513 2469 989 6873771 6778854 122309 83610 723066 568390 845375 652000 X 4869896 5046218 1158500 1080636 6028396 6126854 6873771 6778854 98458 0 X X 0 1 X 0 1 1 X 923834 2801422 3333422 1433840 901172 9393690 923834 2801422 3333422 1433840 901172 9393690 9393690 93461 102404 927 18933 63898 279623 9673313 0.97110 0.96690 X RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED RESTRICTED 7402 6413 989 11100 11100 0 989 X 1183997 0 1183997 0 1183997 1085539 0 1085539 0 1085539 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 CONSOLIDATED 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. X X 0 0 0 0 0 0 0 0 0 ROY NASCIMENTO PRESIDENT, TREASURER 0 218226 0 0 0 0 0 0 0 0 0 218226 0 0 FORM 990, PART VI, SECTION B, LINE 11B THE 990 IS COMPLETED BY THE CPA FIRM IN CONJUNCTION WITH THE EXECUTIVE DIRECTOR AND DIRECTOR OF FINANCE WHO REVIEW THE COMPLETED 990 PRIOR TO FILING. THE BOARD IS NOTIFIED THE 990 IS COMPLETE AND MAY OBTAIN A COPY UPON REQUEST. FORM 990, PART VI, SECTION B, LINE 12C A CONFLICT OF INTEREST DISCLOSURE STATEMENT WILL BE DISTRIBUTED TO EACH DIRECTOR, OFFICER AND SENIOR STAFF MEMBER PRIOR TO THE SEPTEMBER BOD MEETING EACH YEAR. COMPLETED FORMS ARE TO BE REVIEWED ANNUALLY BY THE EXECUTIVE COMMITTEE AND APPROPRIATE ACTION TAKEN. FORM 990, PART VI, SECTION C, LINE 19 DOCUMENTS ARE AVAILABLE BY REQUEST TO TERESA ROBERTS, FINANCE DIRECTOR, NORTH CENTRAL MASSACHUSETTS DEVELOPMENT CORPORATION, 860 SOUTH STREET, FITCHBURG, MA 01420. FORM 990, PART XII, LINE 2C THIS PROCESS HAS NOT CHANGED FROM PRIOR YEAR. NORTH CENTRAL MASSACHUSETTS CHAMBER OF COMMERCE INC 860 SOUTH STREET FITCHBURG MA 01420 222505324 TO ADVANCE ECONOMIC, CIVIC & CULTURAL CONDITIONS OF NORTH CENTRAL MASS MA 501(C)(6) 0 NORTH CENTRAL MASSACHUSETTS CHAMBER FOUNDATION INC 860 SOUTH STREET FITCHBURG MA 01420 042774164 TO SUPPORT EDUCATIONAL AND SCIENTIFIC COMMUNITY OF NORTH CENTRAL MASS MA 501(C)(3) 509(A)(2) 0 JOHNNY APPLESEED TRAIL ASSOCIATION INC 860 SOUTH STREET FITCHBURG MA 01420 043318533 TO PROVIDE PUBLIC INFORMATION CONCERNING CULTURAL, HISTORICAL MA 501(C)(3) 509(A)(2) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 1 1 0 0 0 NORTH CENTRAL CHAMBER OF COMMERCE N 42000 NORTH CENTRAL CHAMBER OF COMMERCE O 469854 NORTH CENTRAL CHAMBER OF COMMERCE P 44306