Civic Intelligence

Main Line Chamber of Commerce

EIN 23-0365255 • 501(c)6 • Wayne, PA

View Organization Page

Profile

The chamber's mission is to enhance and promote the business community in the general "main line" area and to be the premier business advocate in and for the area.

175 Strafford Avenue 130Wayne, PA 19087

www.mlcc.org

Siviq Scores

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

Liabilities / Assets

94th percentile

0.77x

Higher debt load relative to assets than 94% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Liabilities / Revenue

43rd percentile

0.12x

Higher debt load relative to revenue than 43% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Net Margin

27th percentile

-2.2%

Higher net margin than 27% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Top Officer Pay

78th percentile

$224,633

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 16.4% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2025

Asset Growth

15th percentile

-8.3%

Faster asset growth than 15% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Revenue Growth

21st percentile

-3.3%

Faster revenue growth than 21% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets94th percentile

Assets

Down

$214,400

Down $19,512 (-8.3%) from 2024

Liabilities

Up

$165,402

Up $10,554 (+6.8%) from 2024

Net Assets

Down

$48,998

Down $30,066 (-38%) from 2024

Operations
Liabilities / Revenue43rd percentileNet Margin27th percentile

Revenue

Down

$1,369,300

Down $47,325 (-3.3%) from 2024

Expenses

Down

$1,399,366

Down $96,039 (-6.4%) from 2024

Net Income

Up

-$30,066

Up $48,714 (+62%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth15th percentile

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

$600K$400K$200K$0Assets 2011: $257,976Liabilities 2011: $26Net Assets 2011: $257,9502011Assets 2012: $283,769Liabilities 2012: $0Net Assets 2012: $283,7692012Assets 2013: $340,733Liabilities 2013: $0Net Assets 2013: $340,7332013Assets 2014: $296,583Liabilities 2014: $0Net Assets 2014: $296,5832014Assets 2015: $284,248Liabilities 2015: $21,380Net Assets 2015: $262,8682015Assets 2016: $230,778Liabilities 2016: $4,418Net Assets 2016: $226,3602016Assets 2017: $186,284Liabilities 2017: $1,369Net Assets 2017: $184,9152017Assets 2018: $219,607Liabilities 2018: $1,223Net Assets 2018: $218,3842018Assets 2019: $228,257Liabilities 2019: $104Net Assets 2019: $228,1532019Assets 2020: $344,389Liabilities 2020: $150,160Net Assets 2020: $194,2292020Assets 2021: $503,004Liabilities 2021: $303,198Net Assets 2021: $199,8062021Assets 2022: $408,298Liabilities 2022: $150,159Net Assets 2022: $258,1392022Assets 2023: $322,993Liabilities 2023: $165,149Net Assets 2023: $157,8442023Assets 2024: $233,912Liabilities 2024: $154,848Net Assets 2024: $79,0642024Assets 2025: $214,400Liabilities 2025: $165,402Net Assets 2025: $48,9982025

Highlighted filing

2025

Assets$214,400
Liabilities$165,402
Net Assets$48,998
Open 2025 Filing

Operations Trend

Revenue Growth21st percentile

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

$1.5M$1.0M$500K$0-$500KRevenue 2011: $1,228,657Expenses 2011: $1,194,981Net Income 2011: $33,6762011Expenses 2012: $1,279,1912012Revenue 2013: $1,449,405Expenses 2013: $1,392,441Net Income 2013: $56,9642013Revenue 2014: $1,417,756Expenses 2014: $1,461,906Net Income 2014: -$44,1502014Revenue 2015: $1,410,017Expenses 2015: $1,443,732Net Income 2015: -$33,7152015Revenue 2016: $1,439,082Expenses 2016: $1,475,590Net Income 2016: -$36,5082016Revenue 2017: $1,375,202Expenses 2017: $1,416,647Net Income 2017: -$41,4452017Revenue 2018: $1,386,063Expenses 2018: $1,352,594Net Income 2018: $33,4692018Revenue 2019: $719,841Expenses 2019: $710,072Net Income 2019: $9,7692019Revenue 2020: $1,348,665Expenses 2020: $1,382,589Net Income 2020: -$33,9242020Revenue 2021: $1,152,875Expenses 2021: $1,147,298Net Income 2021: $5,5772021Revenue 2022: $1,290,336Expenses 2022: $1,232,003Net Income 2022: $58,3332022Revenue 2023: $1,278,481Expenses 2023: $1,378,776Net Income 2023: -$100,2952023Revenue 2024: $1,416,625Expenses 2024: $1,495,405Net Income 2024: -$78,7802024Revenue 2025: $1,369,300Expenses 2025: $1,399,366Net Income 2025: -$30,0662025

Highlighted filing

2025

Revenue$1,369,300
Expenses$1,399,366
Net Income-$30,066
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
$214,400
Liabilities
$165,402
Net assets
$48,998
Revenue
$1,369,300
Expenses
$1,399,366
Net income
-$30,066
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.21$0.17$0.05$1.37$1.40$0.03
2024Detailed filing. Detailed filing data is available for this year.$0.23$0.15$0.08$1.42$1.50$0.08
2023Detailed filing. Detailed filing data is available for this year.$0.32$0.17$0.16$1.28$1.38$0.10
2022Detailed filing. Detailed filing data is available for this year.$0.41$0.15$0.26$1.29$1.23$0.06
2021Detailed filing. Detailed filing data is available for this year.$0.50$0.30$0.20$1.15$1.15$0.01
2020Detailed filing. Detailed filing data is available for this year.$0.34$0.15$0.19$1.35$1.38$0.03
2019Summary only. Only limited summary data is available for this year.$0.23$0.00$0.23$0.72$0.71$0.01
2018Detailed filing. Detailed filing data is available for this year.$0.22$0.00$0.22$1.39$1.35$0.03
2017Detailed filing. Detailed filing data is available for this year.$0.19$0.00$0.18$1.38$1.42$0.04
2016Detailed filing. Detailed filing data is available for this year.$0.23$0.00$0.23$1.44$1.48$0.04
2015Detailed filing. Detailed filing data is available for this year.$0.28$0.02$0.26$1.41$1.44$0.03
2014Detailed filing. Detailed filing data is available for this year.$0.30$0.00$0.30$1.42$1.46$0.04
2013Detailed filing. Detailed filing data is available for this year.$0.34$0.00$0.34$1.45$1.39$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.28$0.00$0.28$1.28
2011Summary only. Only limited summary data is available for this year.$0.26$0.00$0.26$1.23$1.19$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Aug 13, 2025
Return Version
2024v5.2
Gross Receipts
$1,369,300
Mission and Program Overview

Mission

The chamber's mission is to enhance and promote the business community in the general "main line" area and to be the premier business advocate in and for the area.

SEE PART III LINE 1

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$200,722$181,600▼ $19,122
Savings and Temporary Cash Investments$25,269$25,000▼ $269
Land, Buildings, and Equipment, Net$0$0→ $0
Total Assets$233,912$214,400▼ $19,512
Other Assets Total$7,921$7,800▼ $121
Liabilities
Unsecured Notes Loans Payable$150,000$149,533▼ $467
Other Liabilities$4,848$15,869▲ $11,021
Total Liabilities$154,848$165,402▲ $10,554
Net Assets / Fund Balance
Net Assets With Donor Restrictions$32,899$65,302▲ $32,403
Net Assets Without Donor Restrictions$46,165$-16,304▼ $62,469
Total Net Assets Fund Balance$79,064$48,998▼ $30,066
Total Liabilities and Net Assets / Fund Balance$233,912$214,400▼ $19,512

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$0$119,929$119,929
Leasehold Improvements$0$25,044$25,044
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Bernard DagenaisPresident & CEOFT$215,492$9,141$224,633

Board Members and Trustees

NameTitle
Tim CanfieldChairman
Debbie MccabeImmediate Past Chairman
Jude ArijajeVice Chairman
Alex YankoDirector
Alyce ShawDirector
Andrew BrennerDirector
Antonia AllsmanDirector
Carolyn GormanDirector
Charles WatermanDirector
Christopher HandleyDirector
Dave BolgerDirector
David KralleDirector
Deborah HongDirector
Dr John WilsonDirector
Dr Nicole StokesDirector
Elisa ForteDirector
Erin BurkeDirector
Jared MerlieDirector
Koleen CavanaughDirector
Kory CollinsDirector
Lisa HarmonDirector
Mini NairDirector
Mitchell SteadDirector
Nabila SajidDirector
Pamela MccormickDirector
Paul SharkeyDirector
Samuel R AdolphDirector
Tara WalshDirector
Jon MeyerSecretary
Paul RovnerTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$557,900
Program Service Revenue
$806,158
Investment Income
$1,042
Other Revenue
$4,200
All Other Contributions
$199,500
Change in Net Assets
$-30,066
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$864,498
Other Expenses$534,868
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$506,553
Current Officers, Directors, Trustees, and Key Employees---$224,632
Occupancy---$121,860
Other Employee Benefits---$58,665
Payroll Taxes---$58,108
Information Technology---$26,798
All Other Expenses---$23,713
Pension Plan Contributions---$16,540
Fees for Services Accounting---$11,500
Interest---$7,933
Other Expenses---$7,366
Insurance---$4,900
Office Expenses---$2,308
Advertising---$348
Total Functional Expenses$0$0$0$1,399,366
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
In-house lobbying only
Yes
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Political Expenditures$0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Credit Card Payable$15,869
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
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
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, Part VI, Section A, Line 7A

“Members of the chamber of commerce have the right to vote for the election or appointment of members of the governing body, i.e.: the board of directors.”

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

“Form 990 the filing is anticipated to be reviewed by selected officers and members of the finance committee.”

Form 990, Part VI, Section B, Line 12C

“At a directors meeting each year conflict of interest forms are distributed, completed and returned to the organization.”

Form 990, Part VI, Section B, Line 15

“The executive committee determines the compensation of the ceo and other key employee compensation.”

Form 990, Part VI, Section C, Line 19

“In general, the organization will make available financial statements and other documents for inspection, upon request.”

Filing and Contact Details

Filer

Filer Name
Main Line Chamber of Commerce
EIN
23-0365255
Phone
6106876232
Address
175 STRAFFORD AVENUE 130, WAYNE, PA 19087

Signing Officer

Name
Bernard Dagenais
Title
President & CEO
Phone
6106876232
Signed
2025-08-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Bernard Dagenais
Formed
1933
Legal Domicile
Pa
Voting Board Members
30
Independent Board Members
30
Employees
9
Volunteers
225

Preparer

Firm
SIANA CARR O'CONNOR & LYNAM LLP
Address
1500 E LANCASTER AVENUE SUITE 202, PAOLI, PA 19301
Preparer
WILLIAM L O'CONNOR
Phone
6102964200
Supplemental Narrative

Additional Explanations

FORM 990, PART XII, LINE 2C:

“The organization had not changed its oversight or selection process with respect to the review of financial statements during the tax year.”

Raw XML AppendixShowing 400 of 582 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/PersonNm23MITCHELL STEAD
IRS990/Form990PartVIISectionAGrp/PersonNm24NABILA SAJID
IRS990/Form990PartVIISectionAGrp/PersonNm25PAMELA MCCORMICK
IRS990/Form990PartVIISectionAGrp/PersonNm26PAUL ROVNER
IRS990/Form990PartVIISectionAGrp/PersonNm27PAUL SHARKEY
IRS990/Form990PartVIISectionAGrp/PersonNm28SAMUEL R ADOLPH
IRS990/Form990PartVIISectionAGrp/PersonNm29TARA WALSH
IRS990/Form990PartVIISectionAGrp/PersonNm30TIM CANFIELD
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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4PRESIDENT & CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10IMMEDIATE PAST CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt18VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt28DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt29DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt30CHAIRMAN
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IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
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IRS990/GroupReturnForAffiliatesInd00
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IRS990/IndoorTanningServicesInd00
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IRS990/MethodOfAccountingCashInd0X
IRS990/MinutesOfCommitteesInd01
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IRS990/MissionDesc0THE MAIN LINE CHAMBER OF COMMERCE IS THE AREA'S INFLUENTIAL BUSINESS ADVOCATE COMMITTED TO ENABLING MEMBERS TO SUCCEED, PROMOTING ECONOMIC GROWTH IN THE REGION, DEVELOPING AN INFORMED BUSINESS COMMUNITY, AND ENHANCING THE QUALITY OF LIFE ON THE MAIN LINE.
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IRS990/OtherExpensesGrp/Desc0SPECIAL EVENTS EXPENSES
IRS990/OtherExpensesGrp/Desc1DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc2CREDIT CARD AND BANK CH
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IRS990/OtherRevenueMiscGrp/Desc0ADVERTISING, ELECTRONI
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IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0EVENTS & SEMINARS
IRS990/ProgramServiceRevenueGrp/Desc1SERVICES
IRS990/ProgramServiceRevenueGrp/Desc2ROYALTIES - DIRECTORY
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE TALENT AND EDUCATION NETWORK (TEN) IS AN EMPLOYER COLLABORATIVE FOCUSED ON HELPING COMPANIES LEARN FROM EACH OTHER BEST PRACTICES IN CULTIVATING A DIVERSE POOL OF ENTRY-LEVEL EMPLOYEES, INCLUDING ACQUIRING AND TRAINING TEAM MEMBERS, SUPPORTING EFFECTIVE TALENT PIPELINE INITIATIVES, CONNECTING EMPLOYERS WITH PROSPECTIVE EMPLOYEES AND PROVIDING PROFESSIONAL DEVELOPMENT OPPORTUNITIES FOR STUDENTS IN THE REGION.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE LEADERSHIP MAIN LINE PROGRAM PROVIDES AN INTENSIVE SIX-MONTH CURRICULUM THAT INVOLVES THE PARTICIPANTS IN LEARNING EXPERIENCES DESIGNED TO ENHANCE THE INFRASTRUCTURE OF THE MAIN LINE.
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IRS990/RegularMonitoringEnfrcInd01

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