Civic Intelligence

Atlantic City Chamber of Commerce

EIN 21-0398240 • 501(c)6 • Northfield, NJ

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Profile

To create a favorable business climate in atlantic city and surrounding mainland communities by providing meaningful services to its members. Also, to serve as a strong business advocacy that helps shape public policy and to work to create business opportunities for the members and to lower their cost of doing business.

P O Box 748Northfield, NJ 08225

n/A

Siviq Scores

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

Liabilities / Assets

98th percentile

1.89x

Higher debt load relative to assets than 98% of similar nonprofits.

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

Liabilities / Revenue

98th percentile

1.39x

Higher debt load relative to revenue than 98% of similar nonprofits.

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

Net Margin

17th percentile

-28%

Higher net margin than 17% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

17th percentile

-34%

Faster asset growth than 17% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2025

Revenue Growth

18th percentile

-28%

Faster revenue growth than 18% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2025

Balance Sheet
Liabilities / Assets98th percentile

Assets

Down

$220,441

Down $268,944 (-55%) from 2024

Liabilities

Down

$416,312

Down $185,439 (-31%) from 2024

Net Assets

Down

-$195,871

Down $83,505 (-74%) from 2024

Operations
Liabilities / Revenue98th percentileNet Margin17th percentile

Revenue

Down

$298,853

Down $258,569 (-46%) from 2024

Expenses

Down

$382,358

Down $288,009 (-43%) from 2024

Net Income

Up

-$83,505

Up $29,440 (+26%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth17th percentile

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

$1.0M$500K$0-$500KAssets 2012: $215,819Liabilities 2012: $134,476Net Assets 2012: $81,3432012Assets 2013: $154,522Liabilities 2013: $84,795Net Assets 2013: $69,7272013Assets 2014: $137,488Liabilities 2014: $83,586Net Assets 2014: $53,9022014Assets 2015: $277,085Liabilities 2015: $125,580Net Assets 2015: $151,5052015Assets 2016: $239,411Liabilities 2016: $457,092Net Assets 2016: -$217,6812016Assets 2017: $320,854Liabilities 2017: $473,168Net Assets 2017: -$152,3142017Assets 2018: $250,143Liabilities 2018: $443,487Net Assets 2018: -$193,3442018Assets 2019: $154,332Liabilities 2019: $330,748Net Assets 2019: -$176,4162019Assets 2020: $126,812Liabilities 2020: $219,704Net Assets 2020: -$92,8922020Assets 2021: $361,903Liabilities 2021: $377,978Net Assets 2021: -$16,0752021Assets 2022: $499,748Liabilities 2022: $418,693Net Assets 2022: $81,0552022Assets 2023: $504,540Liabilities 2023: $503,961Net Assets 2023: $5792023Assets 2024: $489,385Liabilities 2024: $601,751Net Assets 2024: -$112,3662024Assets 2025: $220,441Liabilities 2025: $416,312Net Assets 2025: -$195,8712025

Highlighted filing

2025

Assets$220,441
Liabilities$416,312
Net Assets-$195,871
Open 2025 Filing

Operations Trend

Revenue Growth18th percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2012: $681,629Expenses 2012: $691,069Net Income 2012: -$9,4402012Revenue 2013: $739,237Expenses 2013: $750,853Net Income 2013: -$11,6162013Revenue 2014: $930,522Expenses 2014: $946,347Net Income 2014: -$15,8252014Revenue 2015: $1,193,422Expenses 2015: $1,106,399Net Income 2015: $87,0232015Revenue 2016: $916,973Expenses 2016: $1,293,563Net Income 2016: -$376,5902016Revenue 2017: $1,073,527Expenses 2017: $1,008,160Net Income 2017: $65,3672017Revenue 2018: $1,054,966Expenses 2018: $1,072,935Net Income 2018: -$17,9692018Revenue 2019: $1,101,702Expenses 2019: $1,094,242Net Income 2019: $7,4602019Revenue 2020: $1,111,861Expenses 2020: $1,028,337Net Income 2020: $83,5242020Revenue 2021: $361,209Expenses 2021: $284,392Net Income 2021: $76,8172021Revenue 2022: $549,875Expenses 2022: $452,745Net Income 2022: $97,1302022Revenue 2023: $570,383Expenses 2023: $650,859Net Income 2023: -$80,4762023Revenue 2024: $557,422Expenses 2024: $670,367Net Income 2024: -$112,9452024Revenue 2025: $298,853Expenses 2025: $382,358Net Income 2025: -$83,5052025

Highlighted filing

2025

Revenue$298,853
Expenses$382,358
Net Income-$83,505
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$220,441
Liabilities
$416,312
Net assets
-$195,871
Revenue
$298,853
Expenses
$382,358
Net income
-$83,505
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.22$0.42$0.20$0.30$0.38$0.08
2024Detailed filing. Detailed filing data is available for this year.$0.49$0.60$0.11$0.56$0.67$0.11
2023Detailed filing. Detailed filing data is available for this year.$0.50$0.50$0.00$0.57$0.65$0.08
2022Detailed filing. Detailed filing data is available for this year.$0.50$0.42$0.08$0.55$0.45$0.10
2021Detailed filing. Detailed filing data is available for this year.$0.36$0.38$0.02$0.36$0.28$0.08
2020Detailed filing. Detailed filing data is available for this year.$0.13$0.22$0.09$1.11$1.03$0.08
2019Summary only. Only limited summary data is available for this year.$0.15$0.33$0.18$1.10$1.09$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.25$0.44$0.19$1.05$1.07$0.02
2017Detailed filing. Detailed filing data is available for this year.$0.32$0.47$0.15$1.07$1.01$0.07
2016Detailed filing. Detailed filing data is available for this year.$0.24$0.46$0.22$0.92$1.29$0.38
2015Summary only. Only limited summary data is available for this year.$0.28$0.13$0.15$1.19$1.11$0.09
2014Summary only. Only limited summary data is available for this year.$0.14$0.08$0.05$0.93$0.95$0.02
2013Summary only. Only limited summary data is available for this year.$0.15$0.08$0.07$0.74$0.75$0.01
2012Summary only. Only limited summary data is available for this year.$0.22$0.13$0.08$0.68$0.69$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jun 1, 2024 to May 31, 2025
Signed
Nov 14, 2025
Return Version
2024v5.2
Gross Receipts
$298,853
Mission and Program Overview

Mission

To create a favorable business climate in atlantic city and surrounding mainland communities by providing meaningful services to its members. Also, to serve as a strong business advocacy that helps shape public policy and to work to create business opportunities for the members and to lower their cost of doing business.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$391,693$103,555▼ $288,138
Cash and Non-Interest-Bearing Accounts$77,162$94,895▲ $17,733
Prepaid Expenses and Deferred Charges$4,211$5,672▲ $1,461
Savings and Temporary Cash Investments-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$489,385$220,441▼ $268,944
Other Assets Total$16,319$16,319→ $0
Liabilities
Other Liabilities$293,687--
Deferred Revenue$156,609$260,354▲ $103,745
Mortgage Notes Payable Secured by Investment Property$143,301$139,502▼ $3,799
Accounts Payable and Accrued Expenses$8,154$16,456▲ $8,302
Total Liabilities$601,751$416,312▼ $185,439
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$-112,366$-195,871▼ $83,505
Total Net Assets Fund Balance$-112,366$-195,871▼ $83,505
Total Liabilities and Net Assets / Fund Balance$489,385$220,441▼ $268,944

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$51,850$51,850
Other Assets Org$16,319--
Compensation and Service Providers
Top Officer PayScore unavailable

Board Members and Trustees

NameTitle
Barb DemarcoChair
Ken CalemmoEcon Dev Chair
Jeff RopieckiPast Chair
Danielle NorcrossPresident
Alan ZuckermanBoardmember
Alexander MarinoBoardmember
Alicia NewcombBoardmember
Barbara GabaBoardmember
Blair AlbrightBoardmember
Carla CaulkBoardmember
Chris DowneyBoardmember
Chuck BiondiBoardmember
Dan LombardoBoardmember
David ZapparielloBoardmember
Ed McfaddenBoardmember
Eric NeidermanBoardmember
Fred DeandreaBoardmember
Gary MusichBoardmember
Greg BatzBoardmember
Greg BellBoardmember
Jacob PerskieBoardmember
Joe DoughertyBoardmember
John GrayBoardmember
Jon HendersonBoardmember
Joseph SomersBoardmember
Kayleigh SenaBoardmember
Keith DavisBoardmember
Kellie MyersBoardmember
Kevin DuffyBoardmember
Kristin McevoyBoardmember
Mark CallazzoBoardmember
Matt LevinsonBoardmember
Mike FedorkoBoardmember
Mike RubleBoardmember
St Martin TorrenceBoardmember
Tim GlennBoardmember
Vince MazzeoBoardmember
Diane DixonExecutive COM
Lance Landgrafexecutive COM
Lauren Schiavoexecutive COM
John HeinzImmed Past CHR
Dani Mcadon LestonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$5,250
Program Service Revenue
$281,603
Investment Income
$0
Other Revenue
$12,000
Change in Net Assets
$-83,505
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$220,624
Other Expenses$161,734
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$113,198--$113,198
Other Salaries and Wages-$58,954-$58,954
Other Employee Benefits$23,563$11,243-$34,806
All Other Expenses$4,282$11,523-$15,805
Advertising-$15,076-$15,076
Other Expenses$14,358--$14,358
Payroll Taxes$9,252$4,414-$13,666
Fees for Services Accounting-$7,500-$7,500
Office Expenses-$6,985-$6,985
Occupancy-$4,086-$4,086
Insurance-$4,024-$4,024
Interest-$3,893-$3,893
Travel-$942-$942
Total Functional Expenses$253,718$128,640$0$382,358
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Backup withholding compliance
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
No
Other officer compensation reviewed
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The irs form 990 is provided to the chamber president and members of the executive committee for their review and approval prior to filing with the internal revenue service. A copy is made available to all board members upon request.”

Form 990, Part VI, Section B, Line 15B

“Michael chait, president's salary is calculated based on the previous year's cpi. It is then presented to the executive committee (comprised of approximately 10 members) who will approve his salary and determine if any bonus is warranted.”

Form 990, Part VI, Section C, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
Atlantic City Chamber of Commerce
EIN
21-0398240
Phone
6093454524
Address
P O BOX 748, NORTHFIELD, NJ 08225

Signing Officer

Name
Danielle Norcross
Title
President
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Formed
1977
Legal Domicile
Nj
Voting Board Members
42
Independent Board Members
46
Employees
3
Volunteers
112

Preparer

Firm
Murray and Becker LLC
Address
1640 Tilton Rd, Northfield, NJ 08225
Preparer
John J Murray III CPA
Phone
6096410880
Raw XML AppendixShowing 400 of 654 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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IRS990/Form990PartVIISectionAGrp/PersonNm7KEVIN DUFFY
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IRS990/Form990PartVIISectionAGrp/PersonNm20KEITH DAVIS
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IRS990/Form990PartVIISectionAGrp/PersonNm29TIM GLENN
IRS990/Form990PartVIISectionAGrp/PersonNm30JOHN HEINZ
IRS990/Form990PartVIISectionAGrp/PersonNm31JON HENDERSON
IRS990/Form990PartVIISectionAGrp/PersonNm32GREG BATZ
IRS990/Form990PartVIISectionAGrp/PersonNm33JOHN GRAY
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IRS990/Form990PartVIISectionAGrp/PersonNm36LAUREN SCHIAVO
IRS990/Form990PartVIISectionAGrp/PersonNm37VINCE MAZZEO
IRS990/Form990PartVIISectionAGrp/PersonNm38MARK CALLAZZO
IRS990/Form990PartVIISectionAGrp/PersonNm39MIKE RUBLE
IRS990/Form990PartVIISectionAGrp/PersonNm40DAVID ZAPPARIELLO
IRS990/Form990PartVIISectionAGrp/PersonNm41ALAN ZUCKERMAN
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt2ECON DEV CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt4BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt5BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt8BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt9Past Chair
IRS990/Form990PartVIISectionAGrp/TitleTxt10BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt18BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt19BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt20BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt21BOARDMEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt22executive com
IRS990/Form990PartVIISectionAGrp/TitleTxt23EXECUTIVE COM

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