Civic Intelligence

Havre De Grace Chamber of Commerce Inc

EIN 52-0347465 • 501(c)6 • Havre DE Grace, MD

Profile

Business trade association

PO Box 339Havre DE Grace, MD 21078

www.hdgchamber.com

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2025

Liabilities / Revenue

Score unavailable

No value available

Liabilities-to-revenue requires both liabilities and revenue on the latest valid filing.

Source year 2025

Net Margin

30th percentile

-12%

Higher net margin than 30% of similar nonprofits.

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

Top Officer Pay

80th percentile

$10,560

Higher top officer pay than 80% of similar nonprofits.

Top officer pay equals 40.9% of source-year revenue.

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

Asset Growth

30th percentile

-16%

Faster asset growth than 30% of similar nonprofits.

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

Revenue Growth

15th percentile

-40%

Faster revenue growth than 15% of similar nonprofits.

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

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$15,584

Down $2,977 (-16%) from 2024

Liabilities

-

No earlier filing loaded for comparison.

Net Assets

Down

$15,584

Down $2,977 (-16%) from 2024

Operations
Liabilities / RevenueScore unavailableNet Margin30th percentile

Revenue

Down

$25,849

Down $17,082 (-40%) from 2024

Expenses

Down

$28,826

Down $18,021 (-38%) from 2024

Net Income

Up

-$2,977

Up $939 (+24%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth30th percentile

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

$40K$30K$20K$10K$0Assets 2011: $7,874Liabilities 2011: $1,704Net Assets 2011: $6,1702011Assets 2012: $7,096Liabilities 2012: $0Net Assets 2012: $7,0962012Assets 2013: $6,327Liabilities 2013: $0Net Assets 2013: $6,3272013Assets 2014: $6,431Liabilities 2014: $0Net Assets 2014: $6,4312014Assets 2015: $6,533Liabilities 2015: $0Net Assets 2015: $6,5332015Assets 2016: $8,895Liabilities 2016: $0Net Assets 2016: $8,8952016Assets 2017: $5,853Liabilities 2017: $0Net Assets 2017: $5,8532017Assets 2018: $25,236Liabilities 2018: $0Net Assets 2018: $25,2362018Assets 2019: $30,967Net Assets 2019: $30,9672019Assets 2020: $29,703Net Assets 2020: $29,7032020Assets 2021: $29,146Net Assets 2021: $29,1462021Assets 2022: $21,187Net Assets 2022: $21,1872022Assets 2023: $22,477Net Assets 2023: $22,4772023Assets 2024: $18,561Net Assets 2024: $18,5612024Assets 2025: $15,584Net Assets 2025: $15,5842025

Highlighted filing

2025

Assets$15,584
Liabilities-
Net Assets$15,584
Open 2025 Filing

Operations Trend

Revenue Growth15th percentile

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

$80K$60K$40K$20K$0-$20KRevenue 2011: $47,836Expenses 2011: $53,580Net Income 2011: -$5,7442011Revenue 2012: $52,186Expenses 2012: $51,260Net Income 2012: $9262012Revenue 2013: $49,498Expenses 2013: $50,267Net Income 2013: -$7692013Revenue 2014: $48,834Expenses 2014: $48,730Net Income 2014: $1042014Revenue 2015: $49,765Expenses 2015: $49,663Net Income 2015: $1022015Revenue 2016: $64,389Expenses 2016: $62,027Net Income 2016: $2,3622016Revenue 2017: $51,737Expenses 2017: $54,779Net Income 2017: -$3,0422017Revenue 2018: $47,588Expenses 2018: $28,205Net Income 2018: $19,3832018Revenue 2019: $33,178Expenses 2019: $27,447Net Income 2019: $5,7312019Revenue 2020: $25,036Expenses 2020: $26,301Net Income 2020: -$1,2652020Revenue 2021: $19,502Expenses 2021: $20,060Net Income 2021: -$5582021Revenue 2022: $21,813Expenses 2022: $29,772Net Income 2022: -$7,9592022Revenue 2023: $32,993Expenses 2023: $31,703Net Income 2023: $1,2902023Revenue 2024: $42,931Expenses 2024: $46,847Net Income 2024: -$3,9162024Revenue 2025: $25,849Expenses 2025: $28,826Net Income 2025: -$2,9772025

Highlighted filing

2025

Revenue$25,849
Expenses$28,826
Net Income-$2,977
Open 2025 Filing

Filings

Most recent year

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

Open filing
Assets
$15,584
Liabilities
-
Net assets
$15,584
Revenue
$25,849
Expenses
$28,826
Net income
-$2,977
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$15.6$15.6$25.8$28.8$2.98
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.6$18.6$42.9$46.8$3.92
2023Detailed filing. Detailed filing data is available for this year.$22.5$22.5$33.0$31.7$1.29
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$21.2$21.2$21.8$29.8$7.96
2021Detailed filing. Detailed filing data is available for this year.$29.1$29.1$19.5$20.1$0.56
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$29.7$29.7$25.0$26.3$1.27
2019Detailed filing. Detailed filing data is available for this year.$31.0$31.0$33.2$27.4$5.73
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$25.2$0.00$25.2$47.6$28.2$19.4
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$5.85$0.00$5.85$51.7$54.8$3.04
2016Detailed filing. Detailed filing data is available for this year.$8.90$0.00$8.90$64.4$62.0$2.36
2015Detailed filing. Detailed filing data is available for this year.$6.53$0.00$6.53$49.8$49.7$0.10
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$6.43$0.00$6.43$48.8$48.7$0.10
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.33$0.00$6.33$49.5$50.3$0.77
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.10$0.00$7.10$52.2$51.3$0.93
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.87$1.70$6.17$47.8$53.6$5.74
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Oct 7, 2025
Return Version
2024v5.0
Gross Receipts
$25,849
Mission and Program Overview

Mission

Business trade association

Program Services

DescriptionGrantsExpenses
PROMOTING TRADE AND COMMERCE WITH DELIVERY OF BENEFITS TO THE MEMBERSHIP BY NEWSLETTER, LUNCHEONS, MEETINGS, AND RELATED ACTIVITIES WHICH FURTHER THE COMMON INTEREST.-$7,090
CASH CONTRIBUTIONS FOR CHARITABLE, EDUCATIONAL, AND SCIENTIFIC NON-PROFIT ORGANIZATIONS PROVIDING BENEFITS FOR BUSINESS COMMUNITY.--
AWARDING OF SCHOLARSHIPS FOR HIGH SCHOOL SENIORS MAJORING IN BUSINESS FOR HIGHER EDUCATION.--
Compensation and Service Providers
Top Officer Pay80th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
DIANE JONESExecutive DiPT$10,560-$10,560
JOHN MULDOONPresidentPT$0--
KATIE NOEVice Preside-$0--
LAURA CHABOLOWSKISecretary-$0--
JOE SMITHTreasurer-$0--
Filing and Contact Details

Filer

Filer Name
Havre De Grace Chamber of Commerce
EIN
52-0347465
Phone
4109393303
Address
PO BOX 339, HAVRE DE GRACE, MD 21078

Signing Officer

Name
John Muldoon
Title
President
Phone
4109393303
Signed
2025-10-07
Discuss with paid preparer
Yes

Preparer

Firm
Magnum Financial Services LLC
Address
998 HOSPITALITY WAY STE 202, ABERDEEN, MD 21001
Preparer
Amanda K Girton CPA
Phone
4102721300
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses advertising and promotion 4,387 office 539 insurance 1,032 bank service charges 100 merchant fees 36 telephone 1,502 payroll taxes 790 membership event expense 4,530 total 12,916”

Form 990-ez, Part II, Line 24

“Accounts receivable 1,800 0 1,452 1,452 less accumulated depreciation 1,452 1,452 total 1,800 0”

Raw XML Appendix108 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/PersonNm0WILLIAM PRICE
IRS990EZ/BooksInCareOfDetail/PhoneNum07039809991
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0224 NORTH WASHINGTON ST
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0HAVRE DE GRACE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MD
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd021078
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt016761
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt015584
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt03600
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-2977
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt018561
IRS990EZ/Form990TotalAssetsGrp/EOYAmt015584
IRS990EZ/GrossReceiptsAmt025849
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt022055
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt018561
IRS990EZ/NetAssetsOrFundBalancesEOYAmt015584
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt018561
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt015584
IRS990EZ/OccupancyRentUtltsAndMaintAmt05350
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt05.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt12.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt320.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt42.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt310560
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0JOHN MULDOON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1KATIE NOE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2LAURA CHABOLOWSKI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3DIANE JONES
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4JOE SMITH
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRESIDE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3EXECUTIVE DI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4TREASURER
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt01800
IRS990EZ/OtherExpensesTotalAmt012916
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0BUSINESS TRADE ASSOCIATION
IRS990EZ/ProgramServiceRevenueAmt0194
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROMOTING TRADE AND COMMERCE WITH DELIVERY OF BENEFITS TO THE MEMBERSHIP BY NEWSLETTER, LUNCHEONS, MEETINGS, AND RELATED ACTIVITIES WHICH FURTHER THE COMMON INTEREST.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt1CASH CONTRIBUTIONS FOR CHARITABLE, EDUCATIONAL, AND SCIENTIFIC NON-PROFIT ORGANIZATIONS PROVIDING BENEFITS FOR BUSINESS COMMUNITY.
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt2AWARDING OF SCHOLARSHIPS FOR HIGH SCHOOL SENIORS MAJORING IN BUSINESS FOR HIGHER EDUCATION.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt07090
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt010560
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt028826
IRS990EZ/TotalProgramServiceExpensesAmt07090
IRS990EZ/TotalRevenueAmt025849
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.HDGCHAMBER.COM
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES ADVERTISING AND PROMOTION 4,387 OFFICE 539 INSURANCE 1,032 BANK SERVICE CHARGES 100 MERCHANT FEES 36 TELEPHONE 1,502 PAYROLL TAXES 790 MEMBERSHIP EVENT EXPENSE 4,530 TOTAL 12,916
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACCOUNTS RECEIVABLE 1,800 0 1,452 1,452 LESS ACCUMULATED DEPRECIATION 1,452 1,452 TOTAL 1,800 0
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 24
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN MULDOON
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04109393303
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-07
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HAVRE DE GRACE CHAMBER OF COMMERCE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0INC
ReturnHeader/Filer/BusinessNameControlTxt0HAVR
ReturnHeader/Filer/EIN0520347465
ReturnHeader/Filer/PhoneNum04109393303
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 339
ReturnHeader/Filer/USAddress/CityNm0HAVRE DE GRACE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021078
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0842986001
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0MAGNUM FINANCIAL SERVICES LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0998 HOSPITALITY WAY STE 202
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0ABERDEEN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd021001
ReturnHeader/PreparerPersonGrp/PhoneNum04102721300
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-07
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMANDA K GIRTON CPA
ReturnHeader/ReturnTs02025-10-09T16:00:27-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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