Civic Intelligence

Biddeford and Saco Chamber of Commerce and Industr

EIN 01-0029480 • 501(c)6 • Biddeford, ME

Profile

Fostering business development

28 Water StreetBiddeford, ME 04005

www.biddefordsacochamber.org

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

51st percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

67th percentile

9.8%

Higher net margin than 67% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

86th percentile

30%

Faster asset growth than 86% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

46th percentile

-2.8%

Faster revenue growth than 46% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets49th percentile

Assets

Up

$67,736

Up $15,534 (+30%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Up

$67,736

Up $15,534 (+30%) from 2024

Operations
Liabilities / Revenue51st percentileNet Margin67th percentile

Revenue

Down

$158,523

Down $4,615 (-2.8%) from 2024

Expenses

Down

$142,989

Down $9,381 (-6.2%) from 2024

Net Income

Up

$15,534

Up $4,766 (+44%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth86th percentile

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

$200K$150K$100K$50K$0Assets 2010: $182,995Liabilities 2010: $34,287Net Assets 2010: $148,7082010Assets 2011: $152,987Liabilities 2011: $40,908Net Assets 2011: $112,0792011Assets 2012: $107,776Liabilities 2012: $3,373Net Assets 2012: $104,4032012Assets 2013: $80,225Liabilities 2013: $0Net Assets 2013: $80,2252013Assets 2014: $65,088Liabilities 2014: $0Net Assets 2014: $65,0882014Assets 2015: $59,537Liabilities 2015: $0Net Assets 2015: $59,5372015Assets 2016: $58,997Liabilities 2016: $0Net Assets 2016: $58,9972016Assets 2017: $17,316Liabilities 2017: $0Net Assets 2017: $17,3162017Assets 2018: $9,773Liabilities 2018: $0Net Assets 2018: $9,7732018Assets 2019: $10,649Liabilities 2019: $0Net Assets 2019: $10,6492019Assets 2020: $6,992Liabilities 2020: $0Net Assets 2020: $6,9922020Assets 2021: $24,028Liabilities 2021: $0Net Assets 2021: $24,0282021Assets 2022: $16,545Liabilities 2022: $0Net Assets 2022: $16,5452022Assets 2023: $41,434Liabilities 2023: $0Net Assets 2023: $41,4342023Assets 2024: $52,202Liabilities 2024: $0Net Assets 2024: $52,2022024Assets 2025: $67,736Liabilities 2025: $0Net Assets 2025: $67,7362025

Highlighted filing

2025

Assets$67,736
Liabilities$0
Net Assets$67,736
Open 2025 Filing

Operations Trend

Revenue Growth46th percentile

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

$300K$200K$100K$0-$100KExpenses 2010: $226,7942010Expenses 2011: $251,7172011Revenue 2012: $241,366Expenses 2012: $249,042Net Income 2012: -$7,6762012Revenue 2013: $208,764Expenses 2013: $232,942Net Income 2013: -$24,1782013Revenue 2014: $171,855Expenses 2014: $185,070Net Income 2014: -$13,2152014Revenue 2015: $169,826Expenses 2015: $167,013Net Income 2015: $2,8132015Revenue 2016: $203,605Expenses 2016: $204,145Net Income 2016: -$5402016Revenue 2017: $183,721Expenses 2017: $208,615Net Income 2017: -$24,8942017Revenue 2018: $218,183Expenses 2018: $225,726Net Income 2018: -$7,5432018Revenue 2019: $195,827Expenses 2019: $194,951Net Income 2019: $8762019Revenue 2020: $159,680Expenses 2020: $163,337Net Income 2020: -$3,6572020Revenue 2021: $149,488Expenses 2021: $131,202Net Income 2021: $18,2862021Revenue 2022: $158,268Expenses 2022: $165,751Net Income 2022: -$7,4832022Revenue 2023: $155,970Expenses 2023: $154,024Net Income 2023: $1,9462023Revenue 2024: $163,138Expenses 2024: $152,370Net Income 2024: $10,7682024Revenue 2025: $158,523Expenses 2025: $142,989Net Income 2025: $15,5342025

Highlighted filing

2025

Revenue$158,523
Expenses$142,989
Net Income$15,534
Open 2025 Filing

Filings

Most recent year

2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$67,736
Liabilities
$0
Net assets
$67,736
Revenue
$158,523
Expenses
$142,989
Net income
$15,534
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$0.68$0.00$0.68$1.59$1.43$0.16
2024Detailed filing. Detailed filing data is available for this year.$0.52$0.00$0.52$1.63$1.52$0.11
2023Detailed filing. Detailed filing data is available for this year.$0.41$0.00$0.41$1.56$1.54$0.02
2022Detailed filing. Detailed filing data is available for this year.$0.17$0.00$0.17$1.58$1.66$0.07
2021Detailed filing. Detailed filing data is available for this year.$0.24$0.00$0.24$1.49$1.31$0.18
2020Detailed filing. Detailed filing data is available for this year.$0.07$0.00$0.07$1.60$1.63$0.04
2019Detailed filing. Detailed filing data is available for this year.$0.11$0.00$0.11$1.96$1.95$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.10$0.00$0.10$2.18$2.26$0.08
2017Detailed filing. Detailed filing data is available for this year.$0.17$0.00$0.17$1.84$2.09$0.25
2016Detailed filing. Detailed filing data is available for this year.$0.59$0.00$0.59$2.04$2.04$0.01
2015Detailed filing. Detailed filing data is available for this year.$0.60$0.00$0.60$1.70$1.67$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.65$0.00$0.65$1.72$1.85$0.13
2013Detailed filing. Detailed filing data is available for this year.$0.80$0.00$0.80$2.09$2.33$0.24
2012Summary only. Only limited summary data is available for this year.$1.08$0.03$1.04$2.41$2.49$0.08
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.53$0.41$1.12$2.52
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.83$0.34$1.49$2.27
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Mar 21, 2026
Return Version
2025v4.1
Gross Receipts
$158,523
Mission and Program Overview

Mission

Fostering business development

Program Services

DescriptionGrantsExpenses
INCREASED CHAMBER REVENUE-$0
INCREASED CHAMBER MEMBERSHIP-$0
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
ALEXANDER MACPHAILExecutive DirectorFT$0--
LORI COTEBoard Chair-$0--
KATE GARLANDSecretary-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf$9,956$9,956-$9,956
Total Events$9,956$9,956-$9,956
Filing and Contact Details

Filer

Filer Name
Biddeford Saco Chamber of Commerce Inc
EIN
01-0029480
In Care Of
% ALEXANDER MACPHAIL
Phone
2072821567
Address
28 WATER STREET, BIDDEFORD, ME 04005

Signing Officer

Name
Alexander Macphail
Title
Executive Director
Phone
2072821567
Signed
2026-03-21
Discuss with paid preparer
No

Preparer

Firm
Jd Stewart Financial Inc
Address
4 SCAMMON STREET UNIT 32, Saco, ME 04072
Preparer
Edward C Mathews Iii
Phone
2072830843
Supplemental Narrative

Additional Explanations

Description of other revenue Part I line 8

“Description AmountAD REVENUE 761”

Description of other expenses Part I line 16

“Description AmountTRAVEL 2,925PROFESSIONAL DEVELOPMENT 775INSURANCE 2,259MERCHANT FEES 1,088BUSINESS EXPENSES 3,235MISC 1,621EVENT EXPENSES 14,165”

Description of other assets Part II line 24

“Category Beginning of Year End of YearOFFICE ASSETS 18,354 18,354”

Raw XML Appendix122 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/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0ALEXANDER MACPHAIL
IRS990EZ/BooksInCareOfDetail/PhoneNum02072821567
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt028 WATER STREET
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0BIDDEFORD
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0ME
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd004005
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt033848
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt049382
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt0141940
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt015534
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt09483
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt052202
IRS990EZ/Form990TotalAssetsGrp/EOYAmt067736
IRS990EZ/FundraisingGrossIncomeAmt015822
IRS990EZ/GrossReceiptsAmt0158523
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/LandAndBuildingsGrp/BOYAmt00
IRS990EZ/LandAndBuildingsGrp/EOYAmt00
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt052202
IRS990EZ/NetAssetsOrFundBalancesEOYAmt067736
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt052202
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt067736
IRS990EZ/OccupancyRentUtltsAndMaintAmt019934
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt040.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt12.00
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/PersonNm0ALEXANDER MACPHAIL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1LORI COTE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2KATE GARLAND
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0EXECUTIVE DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1BOARD CHAIR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt018354
IRS990EZ/OtherAssetsTotalDetail/EOYAmt018354
IRS990EZ/OtherExpensesTotalAmt026068
IRS990EZ/OtherRevenueTotalAmt0761
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0FOSTERING BUSINESS DEVELOPMENT
IRS990EZ/PrintingPublicationsPostageAmt013237
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0INCREASED CHAMBER REVENUE
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1INCREASED CHAMBER MEMBERSHIP
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt10
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt074267
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsNetIncomeLossAmt015822
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt00
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt0142989
IRS990EZ/TotalRevenueAmt0158523
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.BIDDEFORDSACOCHAMBER.ORG
IRS990ScheduleG/AgrmtProfFundraisingActyInd0false
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0GOLF
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt09956
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt09956
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt09956
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt09956
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt09956
IRS990ScheduleG/InPersonSolicitationsInd0X
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Description AmountAD REVENUE 761
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Description AmountTRAVEL 2,925PROFESSIONAL DEVELOPMENT 775INSURANCE 2,259MERCHANT FEES 1,088BUSINESS EXPENSES 3,235MISC 1,621EVENT EXPENSES 14,165
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Category Beginning of Year End of YearOFFICE ASSETS 18,354 18,354
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Description of other revenue Part I line 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Description of other expenses Part I line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Description of other assets Part II line 24
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0false
ReturnHeader/BusinessOfficerGrp/PersonNm0ALEXANDER MACPHAIL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum02072821567
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-03-21
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0BIDDEFORD SACO CHAMBER OF COMMERCE INC
ReturnHeader/Filer/BusinessNameControlTxt0BIDD
ReturnHeader/Filer/EIN0010029480
ReturnHeader/Filer/InCareOfNm0% ALEXANDER MACPHAIL
ReturnHeader/Filer/PhoneNum02072821567
ReturnHeader/Filer/USAddress/AddressLine1Txt028 WATER STREET
ReturnHeader/Filer/USAddress/CityNm0BIDDEFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0ME
ReturnHeader/Filer/USAddress/ZIPCd004005
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0010592639
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JD STEWART FINANCIAL INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt04 SCAMMON STREET UNIT 32
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Saco
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0ME
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd004072
ReturnHeader/PreparerPersonGrp/PhoneNum02072830843
ReturnHeader/PreparerPersonGrp/PreparationDt02026-04-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0EDWARD C MATHEWS III
ReturnHeader/ReturnTs02026-04-06T20:08:17-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)6 • <$500k nonprofits