Civic Intelligence

Milford Chamber of Commerce Inc

EIN 06-0691843 • 501(c)6 • Milford, CT

Profile

Provide programs and networking opportunities for the membership

1201 Boston Post Road - Suite 1100Milford, CT 06460

n/A

Siviq Scores

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

Liabilities / Assets

99th percentile

4.08x

Higher debt load relative to assets than 99% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

91st percentile

0.38x

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

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

38th percentile

-5.5%

Higher net margin than 38% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

95th percentile

$88,488

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 24.6% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

19th percentile

-36%

Faster asset growth than 19% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

73rd percentile

15%

Faster revenue growth than 73% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets99th percentile

Assets

Down

$33,464

Down $18,704 (-36%) from 2023

Liabilities

Up

$136,520

Up $1,047 (+0.8%) from 2023

Net Assets

Down

-$103,056

Down $19,751 (-24%) from 2023

Operations
Liabilities / Revenue91st percentileNet Margin38th percentile

Revenue

Up

$359,665

Up $47,676 (+15%) from 2023

Expenses

Up

$379,416

Up $23,278 (+6.5%) from 2023

Net Income

Up

-$19,751

Up $24,398 (+55%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth19th percentile

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

$400K$200K$0-$200KAssets 2011: $379,973Liabilities 2011: $2,597Net Assets 2011: $377,3762011Assets 2012: $378,891Liabilities 2012: $6,321Net Assets 2012: $372,5702012Assets 2013: $357,758Liabilities 2013: $3,019Net Assets 2013: $354,7392013Assets 2014: $200,394Liabilities 2014: $1,597Net Assets 2014: $198,7972014Assets 2015: $139,188Liabilities 2015: $14,615Net Assets 2015: $124,5732015Assets 2016: $90,264Liabilities 2016: $2,798Net Assets 2016: $87,4662016Assets 2017: $56,127Liabilities 2017: $22,451Net Assets 2017: $33,6762017Assets 2018: $57,576Liabilities 2018: $16,526Net Assets 2018: $41,0502018Assets 2019: $41,526Liabilities 2019: $16,199Net Assets 2019: $25,3272019Assets 2020: $133,541Liabilities 2020: $141,588Net Assets 2020: -$8,0472020Assets 2021: $170,408Liabilities 2021: $154,729Net Assets 2021: $15,6792021Assets 2022: $101,744Liabilities 2022: $140,900Net Assets 2022: -$39,1562022Assets 2023: $52,168Liabilities 2023: $135,473Net Assets 2023: -$83,3052023Assets 2024: $33,464Liabilities 2024: $136,520Net Assets 2024: -$103,0562024

Highlighted filing

2024

Assets$33,464
Liabilities$136,520
Net Assets-$103,056
Open 2024 Filing

Operations Trend

Revenue Growth73rd percentile

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

$400K$200K$0-$200KRevenue 2011: $359,118Expenses 2011: $350,495Net Income 2011: $8,6232011Expenses 2012: $345,5302012Revenue 2013: $331,128Expenses 2013: $352,354Net Income 2013: -$21,2262013Revenue 2014: $313,156Expenses 2014: $343,114Net Income 2014: -$29,9582014Revenue 2015: $264,558Expenses 2015: $340,475Net Income 2015: -$75,9172015Revenue 2016: $291,364Expenses 2016: $328,471Net Income 2016: -$37,1072016Revenue 2017: $278,144Expenses 2017: $331,934Net Income 2017: -$53,7902017Revenue 2018: $237,909Expenses 2018: $230,535Net Income 2018: $7,3742018Revenue 2019: $218,046Expenses 2019: $233,769Net Income 2019: -$15,7232019Revenue 2020: $174,277Expenses 2020: $207,655Net Income 2020: -$33,3782020Revenue 2021: $194,792Expenses 2021: $171,066Net Income 2021: $23,7262021Revenue 2022: $277,562Expenses 2022: $332,397Net Income 2022: -$54,8352022Revenue 2023: $311,989Expenses 2023: $356,138Net Income 2023: -$44,1492023Revenue 2024: $359,665Expenses 2024: $379,416Net Income 2024: -$19,7512024

Highlighted filing

2024

Revenue$359,665
Expenses$379,416
Net Income-$19,751
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$33,464
Liabilities
$136,520
Net assets
-$103,056
Revenue
$359,665
Expenses
$379,416
Net income
-$19,751
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.33$1.37$1.03$3.60$3.79$0.20
2023Detailed filing. Detailed filing data is available for this year.$0.52$1.35$0.83$3.12$3.56$0.44
2022Detailed filing. Detailed filing data is available for this year.$1.02$1.41$0.39$2.78$3.32$0.55
2021Detailed filing. Detailed filing data is available for this year.$1.70$1.55$0.16$1.95$1.71$0.24
2020Detailed filing. Detailed filing data is available for this year.$1.34$1.42$0.08$1.74$2.08$0.33
2019Detailed filing. Detailed filing data is available for this year.$0.42$0.16$0.25$2.18$2.34$0.16
2018Detailed filing. Detailed filing data is available for this year.$0.58$0.17$0.41$2.38$2.31$0.07
2017Detailed filing. Detailed filing data is available for this year.$0.56$0.22$0.34$2.78$3.32$0.54
2016Detailed filing. Detailed filing data is available for this year.$0.90$0.03$0.87$2.91$3.28$0.37
2015Detailed filing. Detailed filing data is available for this year.$1.39$0.15$1.25$2.65$3.40$0.76
2014Detailed filing. Detailed filing data is available for this year.$2.00$0.02$1.99$3.13$3.43$0.30
2013Detailed filing. Detailed filing data is available for this year.$3.58$0.03$3.55$3.31$3.52$0.21
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.79$0.06$3.73$3.46
2011Summary only. Only limited summary data is available for this year.$3.80$0.03$3.77$3.59$3.50$0.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.0
Gross Receipts
$359,665
Mission and Program Overview

Mission

Provide programs and networking opportunities for the membership

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$48,114$33,464▼ $14,650
Prepaid Expenses and Deferred Charges$4,054--
Total Assets$52,168$33,464▼ $18,704
Liabilities
Unsecured Notes Loans Payable$135,473$134,508▼ $965
Accounts Payable and Accrued Expenses-$2,012-
Total Liabilities$135,473$136,520▲ $1,047
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-83,305$-103,056▼ $19,751
Total Net Assets Fund Balance$-83,305$-103,056▼ $19,751
Total Liabilities and Net Assets / Fund Balance$52,168$33,464▼ $18,704
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Michael E MosesExecutive DiFT$88,488$88,488

Board Members and Trustees

NameTitle
See Attached ListDirectors
Glenn D BeckAsst Treasur
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$359,662
Investment Income
$3
Other Revenue
$0
Change in Net Assets
$-19,751
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$192,135
Salaries, Compensation, and Employee Benefits$187,281
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$44,244$44,244-$88,488
Other Salaries and Wages$32,158$32,158-$64,316
All Other Expenses$4,992$22,441-$27,433
Occupancy$11,655$11,656-$23,311
Payroll Taxes$9,068$9,069-$18,137
Office Expenses$8,285$8,286-$16,571
Other Employee Benefits$8,170$8,170-$16,340
Other Expenses$6,841$6,842-$13,683
Advertising$6,327$6,327-$12,654
Insurance$5,150$5,150-$10,300
Information Technology$2,747$2,747-$5,494
Interest$60$61-$121
Total Functional Expenses$198,450$180,966$0$379,416
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 9

“See attached list 1201 boston post road milford, ct 06460”

Form 990, Page 6, Part VI, Line 11B

“Reviewed by executive board”

Form 990, Page 6, Part VI, Line 12C

“ANNUAL REVIEW”

Form 990, Page 6, Part VI, Line 15A

“Annual review by personnel committee and executive board”

Form 990, Page 6, Part VI, Line 15B

“Reviewed by personnel committee and executive board”

Form 990, Page 6, Part VI, Line 19

“No documents available to the public”

Filing and Contact Details

Filer

Filer Name
Milford Chamber of Commerce Inc
EIN
06-0691843
Phone
2038780681
Address
1201 BOSTON POST ROAD - SUITE 1100, MILFORD, CT 06460

Signing Officer

Name
Michael E Moses
Title
Executive Director
Phone
2038780681
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael E Moses
Legal Domicile
Ct
Voting Board Members
24
Independent Board Members
24
Employees
2

Preparer

Firm
Discenza Beck & Lee LLC
Address
138 BROAD ST, MILFORD, CT 06460
Preparer
Glenn D Beck CPA
Phone
2038785234
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“ROUNDING 0”

Raw XML Appendix293 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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IRS990/GrossReceiptsAmt0359665
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART XI, LINE 9
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IRS990/USAddress/AddressLine1Txt01201 BOSTON POST ROAD
IRS990/USAddress/AddressLine2Txt0SUITE 1100
IRS990/USAddress/CityNm0MILFORD
IRS990/USAddress/StateAbbreviationCd0CT
IRS990/USAddress/ZIPCd006460
IRS990/VotingMembersGoverningBodyCnt024
IRS990/VotingMembersIndependentCnt024
IRS990/WebsiteAddressTxt0WWW.MILFORDCT.COM
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0MICHAEL E MOSES
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum02038780681
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MILFORD CHAMBER OF COMMERCE INC
ReturnHeader/Filer/BusinessNameControlTxt0MILF
ReturnHeader/Filer/EIN0060691843
ReturnHeader/Filer/PhoneNum02038780681
ReturnHeader/Filer/USAddress/AddressLine1Txt01201 BOSTON POST ROAD - SUITE 1100
ReturnHeader/Filer/USAddress/CityNm0MILFORD
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CT
ReturnHeader/Filer/USAddress/ZIPCd006460
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0464016944
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0DISCENZA BECK & LEE LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0138 BROAD ST
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MILFORD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd006460
ReturnHeader/PreparerPersonGrp/PhoneNum02038785234
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GLENN D BECK CPA
ReturnHeader/ReturnTs02025-11-17T15:47:25-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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