Civic Intelligence

Dorchester Chamber of Commerce Inc

EIN 52-0262287 • 501(c)6 • Cambridge, MD

Profile

To promote business and community growth in the dorchester county area and programs of a civic, social, or cultural nature.

306 High StreetCambridge, MD 21613

www.dorchesterchamber.org

Siviq Scores

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

Liabilities / Assets

79th percentile

0.30x

Higher debt load relative to assets than 79% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Liabilities / Revenue

88th percentile

0.44x

Higher debt load relative to revenue than 88% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Net Margin

71st percentile

13%

Higher net margin than 71% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2025

Top Officer Pay

49th percentile

$0

Higher top officer pay than 49% of similar nonprofits.

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

501(c)6 • $500k-$1M nonprofits • Source year 2025

Asset Growth

59th percentile

7.1%

Faster asset growth than 59% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Revenue Growth

33rd percentile

-1.2%

Faster revenue growth than 33% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Assets

Up

$476,977

Up $31,778 (+7.1%) from 2024

Liabilities

Down

$143,203

Down $8,533 (-5.6%) from 2024

Net Assets

Up

$333,774

Up $40,311 (+14%) from 2024

Revenue

Down

$323,397

Down $3,769 (-1.2%) from 2024

Expenses

Up

$282,956

Up $22,430 (+8.6%) from 2024

Net Income

Down

$40,441

Down $26,199 (-39%) from 2024

Trend Graphs

Balance Sheet Trend

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

$600K$400K$200K$0Assets 2010: $110,091Liabilities 2010: $30,153Net Assets 2010: $79,9382010Assets 2011: $93,292Liabilities 2011: $8,418Net Assets 2011: $84,8742011Assets 2012: $170,318Liabilities 2012: $91,905Net Assets 2012: $78,4132012Assets 2013: $152,906Liabilities 2013: $74,840Net Assets 2013: $78,0662013Assets 2014: $147,551Liabilities 2014: $69,387Net Assets 2014: $78,1642014Assets 2015: $107,707Liabilities 2015: $34,687Net Assets 2015: $73,0202015Assets 2016: $117,157Liabilities 2016: $44,734Net Assets 2016: $72,4232016Assets 2017: $136,708Liabilities 2017: $58,653Net Assets 2017: $78,0552017Assets 2018: $141,756Liabilities 2018: $54,434Net Assets 2018: $87,3222018Assets 2019: $143,510Liabilities 2019: $55,639Net Assets 2019: $87,8712019Assets 2020: $180,248Liabilities 2020: $80,147Net Assets 2020: $100,1012020Assets 2021: $233,010Liabilities 2021: $99,685Net Assets 2021: $133,3252021Assets 2022: $294,972Liabilities 2022: $141,722Net Assets 2022: $153,2502022Assets 2023: $387,731Liabilities 2023: $160,908Net Assets 2023: $226,8232023Assets 2024: $445,199Liabilities 2024: $151,736Net Assets 2024: $293,4632024Assets 2025: $476,977Liabilities 2025: $143,203Net Assets 2025: $333,7742025

Highlighted filing

2025

Assets$476,977
Liabilities$143,203
Net Assets$333,774

Operations Trend

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

$400K$300K$200K$100K$0-$100KRevenue 2010: $72,179Expenses 2010: $132,629Net Income 2010: -$60,4502010Revenue 2011: $141,617Expenses 2011: $136,681Net Income 2011: $4,9362011Revenue 2012: $129,306Expenses 2012: $135,767Net Income 2012: -$6,4612012Revenue 2013: $148,860Expenses 2013: $149,207Net Income 2013: -$3472013Revenue 2014: $151,486Expenses 2014: $151,388Net Income 2014: $982014Revenue 2015: $135,044Expenses 2015: $140,188Net Income 2015: -$5,1442015Revenue 2016: $162,731Expenses 2016: $163,328Net Income 2016: -$5972016Revenue 2017: $172,417Expenses 2017: $166,785Net Income 2017: $5,6322017Revenue 2018: $178,685Expenses 2018: $169,418Net Income 2018: $9,2672018Revenue 2019: $180,755Expenses 2019: $180,206Net Income 2019: $5492019Revenue 2020: $176,368Expenses 2020: $164,138Net Income 2020: $12,2302020Revenue 2021: $203,041Expenses 2021: $169,817Net Income 2021: $33,2242021Revenue 2022: $195,910Expenses 2022: $175,985Net Income 2022: $19,9252022Revenue 2023: $311,891Expenses 2023: $238,318Net Income 2023: $73,5732023Revenue 2024: $327,166Expenses 2024: $260,526Net Income 2024: $66,6402024Revenue 2025: $323,397Expenses 2025: $282,956Net Income 2025: $40,4412025

Highlighted filing

2025

Revenue$323,397
Expenses$282,956
Net Income$40,441

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$4.77$1.43$3.34$3.23$2.83$0.40
2024Detailed filing. Detailed filing data is available for this year.$4.45$1.52$2.93$3.27$2.61$0.67
2023Detailed filing. Detailed filing data is available for this year.$3.88$1.61$2.27$3.12$2.38$0.74
2022Detailed filing. Detailed filing data is available for this year.$2.95$1.42$1.53$1.96$1.76$0.20
2021Detailed filing. Detailed filing data is available for this year.$2.33$1.00$1.33$2.03$1.70$0.33
2020Detailed filing. Detailed filing data is available for this year.$1.80$0.80$1.00$1.76$1.64$0.12
2019Detailed filing. Detailed filing data is available for this year.$1.44$0.56$0.88$1.81$1.80$0.01
2018Detailed filing. Detailed filing data is available for this year.$1.42$0.54$0.87$1.79$1.69$0.09
2017Detailed filing. Detailed filing data is available for this year.$1.37$0.59$0.78$1.72$1.67$0.06
2016Detailed filing. Detailed filing data is available for this year.$1.17$0.45$0.72$1.63$1.63$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.08$0.35$0.73$1.35$1.40$0.05
2014Detailed filing. Detailed filing data is available for this year.$1.48$0.69$0.78$1.51$1.51$0.00
2013Detailed filing. Detailed filing data is available for this year.$1.53$0.75$0.78$1.49$1.49$0.00
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.70$0.92$0.78$1.29$1.36$0.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.93$0.08$0.85$1.42$1.37$0.05
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.10$0.30$0.80$0.72$1.33$0.60
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 11, 2026
Return Version
2025v4.0
Gross Receipts
$503,486
Mission and Program Overview

Mission

To promote business and community growth in the dorchester county area and programs of a civic, social, or cultural nature.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$303,938$338,759▲ $34,821
Accounts Receivable$67,360$74,275▲ $6,915
Cash and Non-Interest-Bearing Accounts$66,417$53,360▼ $13,057
Prepaid Expenses and Deferred Charges$5,712$9,992▲ $4,280
Land, Buildings, and Equipment, Net$1,772$591▼ $1,181
Total Assets$445,199$476,977▲ $31,778
Liabilities
Deferred Revenue$151,736$143,203▼ $8,533
Total Liabilities$151,736$143,203▼ $8,533
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$293,463$333,774▲ $40,311
Total Net Assets Fund Balance$293,463$333,774▲ $40,311
Total Liabilities and Net Assets / Fund Balance$445,199$476,977▲ $31,778

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$591$9,668$10,259
Compensation and Service Providers

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$169,655
Program Service Revenue
$92,376
Investment Income
$9,848
Other Revenue
$51,518
All Other Contributions
$50,765
Change in Net Assets
$40,441
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$208,646
Other Expenses$74,310
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$188,356--$188,356
Information Technology-$13,602-$13,602
Occupancy-$11,887-$11,887
Payroll Taxes$11,721--$11,721
Office Expenses-$11,430-$11,430
Advertising$9,491--$9,491
Other Employee Benefits$8,569--$8,569
Conferences and Meetings$6,090--$6,090
Insurance-$3,592-$3,592
Other Expenses$12,028$1,893-$1,893
Depreciation Depletion---$1,181
Fees for Services Accounting-$850-$850
Total Functional Expenses$236,255$45,520$0$282,956
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$217,557
Fundraising Direct Expenses$180,089
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf$33,470$33,470$1,067$32,403
Directory$15,710$15,710$11,960$3,750
Total Events$217,557$217,557$180,089$37,468
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
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
No
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

Board is provided a copy of form 990 for review.

Form 990, Part VI, Section C, Line 19

Governing documents, policies and tax returns are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Dorchester Chamber of Commerce Inc
EIN
52-0262287
Phone
4102283575
Address
306 HIGH STREET, CAMBRIDGE, MD 21613

Signing Officer

Name
William a Christopher
Title
President/CEO
Phone
4102283575
Signed
2026-02-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William a Christopher
Formed
1941
Legal Domicile
Md
Voting Board Members
17
Independent Board Members
17
Employees
4
Volunteers
17

Preparer

Firm
Accounting Strategies Group LLC
Address
PO BOX 369, PRESTON, MD 21655
Preparer
Lisa K Durham CPA
Phone
4106731384
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IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROMOTE BUSINESS AND COMMUNITY GROWTH IN THE DORCHESTER COUNTY AREA AND PROGRAMS OF A CIVIC, SOCIAL, OR CULTURAL NATURE.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0293463
IRS990/NetAssetsOrFundBalancesEOYAmt0333774
IRS990/NetIncmFromFundraisingEvtGrp/ExclusionAmt037468
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt037468
IRS990/NetRentalIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt013200
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt013200
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0293463
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0333774
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt011887
IRS990/OccupancyGrp/TotalAmt011887
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt011430
IRS990/OfficeExpensesGrp/TotalAmt011430
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
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IRS990/OtherExpensesGrp/Desc0MEMBER SERVICES
IRS990/OtherExpensesGrp/Desc1BANK SERVICE FEES
IRS990/OtherExpensesGrp/Desc2DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt02266
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt11893
IRS990/OtherExpensesGrp/ProgramServicesAmt012028
IRS990/OtherExpensesGrp/TotalAmt012028
IRS990/OtherExpensesGrp/TotalAmt12266
IRS990/OtherExpensesGrp/TotalAmt21893
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IRS990/OtherSalariesAndWagesGrp/TotalAmt0188356
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/ProgramServicesAmt011721
IRS990/PayrollTaxesGrp/TotalAmt011721
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05712
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt09992
IRS990/PrincipalOfficerNm0WILLIAM A CHRISTOPHER
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IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0561499
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt092376
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IRS990/ProgSrvcAccomActy2Grp/Desc0TO PRESERVE THE COMPETITIVE ENTERPRISE SYSTEM OF BUSINESS BY CREATING A BETTER UNDERSTANDING OF THE BUSINESS ENVIRONMENT.
IRS990/ProgSrvcAccomActy3Grp/Desc0TO EDUCATE AND REPRESENT THE BUSINESS COMMUNITY.
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IRS990/PYContributionsGrantsAmt0170934
IRS990/PYGrantsAndSimilarPaidAmt00
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IRS990/PYOtherRevenueAmt052587
IRS990/PYProgramServiceRevenueAmt094761
IRS990/PYRevenuesLessExpensesAmt066640
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IRS990/PYTotalExpensesAmt0260526
IRS990/PYTotalProfFndrsngExpnsAmt00
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IRS990/ReconcilationRevenueExpnssAmt040441
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IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageOtherEventsAmt020139
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IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsOtherEventsAmt0168377
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IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt015710
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent2Amt033470
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueOtherEventsAmt0168377
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IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt037468
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssOtherEventsAmt0133587
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt0146614
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt011960
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent2Amt01067
IRS990ScheduleG/FundraisingEventInformationGrp/OtherEventsTotalCnt03
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IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0BOARD IS PROVIDED A COPY OF FORM 990 FOR REVIEW.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1GOVERNING DOCUMENTS, POLICIES AND TAX RETURNS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION C, LINE 19
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IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
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IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
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IRS990/TotalAssetsGrp/BOYAmt0445199
IRS990/TotalAssetsGrp/EOYAmt0476977
IRS990/TotalCompGreaterThan150KInd00
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IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0236255
IRS990/TotalFunctionalExpensesGrp/TotalAmt0282956
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt0143203
IRS990/TotalLiabilitiesGrp/BOYAmt0151736
IRS990/TotalLiabilitiesGrp/EOYAmt0143203
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0333774
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceExpensesAmt0236255
IRS990/TotalProgramServiceRevenueAmt092376
IRS990/TotalReportableCompFromOrgAmt00
IRS990/TotalRevenueGrp/ExclusionAmt037468
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0116274
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0323397
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt017
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0445199
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0476977
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0306 HIGH STREET
IRS990/USAddress/CityNm0CAMBRIDGE
IRS990/USAddress/StateAbbreviationCd0MD
IRS990/USAddress/ZIPCd021613
IRS990/VotingMembersGoverningBodyCnt017
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IRS990/WebsiteAddressTxt0WWW.DORCHESTERCHAMBER.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0WILLIAM A CHRISTOPHER

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