Civic Intelligence

Carroll County Chamber of Commerce

EIN 52-0684041 • 501(c)6 • Westminster, MD

Profile

The carroll county chamber of commerce exists to promote a sound economic environment in which our business community can prosper.

9 East Main Street Suite 105Westminster, MD 21157

www.carrollcountychamber.org

Siviq Scores

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

Liabilities / Assets

29th percentile

0.00x

Higher debt load relative to assets than 29% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

29th percentile

0.00x

Higher debt load relative to revenue than 29% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Net Margin

46th percentile

2.4%

Higher net margin than 46% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

85th percentile

$146,093

Higher top officer pay than 85% of similar nonprofits.

Top officer pay equals 23.3% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Asset Growth

57th percentile

6.4%

Faster asset growth than 57% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

13th percentile

-14%

Faster revenue growth than 13% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets29th percentile

Assets

Up

$409,406

Up $24,753 (+6.4%) from 2023

Liabilities

Down

$815

Down $1,590 (-66%) from 2023

Net Assets

Up

$408,591

Up $26,343 (+6.9%) from 2023

Operations
Liabilities / Revenue29th percentileNet Margin46th percentile

Revenue

Down

$626,979

Down $100,019 (-14%) from 2023

Expenses

Down

$611,888

Down $106,508 (-15%) from 2023

Net Income

Up

$15,091

Up $6,489 (+75%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth57th percentile

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

$600K$400K$200K$0-$200KAssets 2010: $35,668Liabilities 2010: $65,465Net Assets 2010: -$29,7972010Assets 2011: $53,514Liabilities 2011: $51,237Net Assets 2011: $2,2772011Assets 2012: $53,864Liabilities 2012: $579Net Assets 2012: $53,2852012Assets 2013: $100,829Liabilities 2013: $6,273Net Assets 2013: $94,5562013Assets 2014: $144,673Liabilities 2014: $5,255Net Assets 2014: $139,4182014Assets 2015: $172,656Liabilities 2015: $1,099Net Assets 2015: $171,5572015Assets 2016: $204,594Liabilities 2016: $13,073Net Assets 2016: $191,5212016Assets 2017: $236,022Liabilities 2017: $14,271Net Assets 2017: $221,7512017Assets 2018: $237,201Liabilities 2018: $3,860Net Assets 2018: $233,3412018Assets 2019: $271,247Liabilities 2019: $19,181Net Assets 2019: $252,0662019Assets 2020: $259,586Liabilities 2020: $3,171Net Assets 2020: $256,4152020Assets 2021: $363,866Liabilities 2021: $10,402Net Assets 2021: $353,4642021Assets 2022: $366,964Liabilities 2022: $16,829Net Assets 2022: $350,1352022Assets 2023: $384,653Liabilities 2023: $2,405Net Assets 2023: $382,2482023Assets 2024: $409,406Liabilities 2024: $815Net Assets 2024: $408,5912024

Highlighted filing

2024

Assets$409,406
Liabilities$815
Net Assets$408,591
Open 2024 Filing

Operations Trend

Revenue Growth13th percentile

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

$800K$600K$400K$200K$0Expenses 2010: $352,2572010Expenses 2011: $309,6392011Expenses 2012: $305,6732012Revenue 2013: $368,056Expenses 2013: $326,785Net Income 2013: $41,2712013Revenue 2014: $420,739Expenses 2014: $375,877Net Income 2014: $44,8622014Revenue 2015: $449,715Expenses 2015: $417,576Net Income 2015: $32,1392015Revenue 2016: $468,362Expenses 2016: $448,398Net Income 2016: $19,9642016Revenue 2017: $536,731Expenses 2017: $506,501Net Income 2017: $30,2302017Revenue 2018: $522,471Expenses 2018: $510,881Net Income 2018: $11,5902018Revenue 2019: $567,842Expenses 2019: $552,645Net Income 2019: $15,1972019Revenue 2020: $521,378Expenses 2020: $518,897Net Income 2020: $2,4812020Revenue 2021: $648,108Expenses 2021: $556,833Net Income 2021: $91,2752021Revenue 2022: $642,461Expenses 2022: $621,406Net Income 2022: $21,0552022Revenue 2023: $726,998Expenses 2023: $718,396Net Income 2023: $8,6022023Revenue 2024: $626,979Expenses 2024: $611,888Net Income 2024: $15,0912024

Highlighted filing

2024

Revenue$626,979
Expenses$611,888
Net Income$15,091
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$409,406
Liabilities
$815
Net assets
$408,591
Revenue
$626,979
Expenses
$611,888
Net income
$15,091
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.09$0.01$4.09$6.27$6.12$0.15
2023Detailed filing. Detailed filing data is available for this year.$3.85$0.02$3.82$7.27$7.18$0.09
2022Detailed filing. Detailed filing data is available for this year.$3.67$0.17$3.50$6.42$6.21$0.21
2021Detailed filing. Detailed filing data is available for this year.$3.64$0.10$3.53$6.48$5.57$0.91
2020Detailed filing. Detailed filing data is available for this year.$2.60$0.03$2.56$5.21$5.19$0.02
2019Detailed filing. Detailed filing data is available for this year.$2.71$0.19$2.52$5.68$5.53$0.15
2018Detailed filing. Detailed filing data is available for this year.$2.37$0.04$2.33$5.22$5.11$0.12
2017Detailed filing. Detailed filing data is available for this year.$2.36$0.14$2.22$5.37$5.07$0.30
2016Detailed filing. Detailed filing data is available for this year.$2.05$0.13$1.92$4.68$4.48$0.20
2015Detailed filing. Detailed filing data is available for this year.$1.73$0.01$1.72$4.50$4.18$0.32
2014Detailed filing. Detailed filing data is available for this year.$1.45$0.05$1.39$4.21$3.76$0.45
2013Detailed filing. Detailed filing data is available for this year.$1.01$0.06$0.95$3.68$3.27$0.41
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.54$0.01$0.53$3.06
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.54$0.51$0.02$3.10
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.36$0.65$0.30$3.52
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
$631,708
Mission and Program Overview

Mission

The carroll county chamber of commerce exists to promote a sound economic environment in which our business community can prosper.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$208,232$374,392▲ $166,160
Cash and Non-Interest-Bearing Accounts$170,147$32,385▼ $137,762
Accounts Receivable$1,176$1,176→ $0
Land, Buildings, and Equipment, Net-$1,048-
Savings and Temporary Cash Investments$5,098$405▼ $4,693
Total Assets$384,653$409,406▲ $24,753
Liabilities
Accounts Payable and Accrued Expenses$2,405$815▼ $1,590
Total Liabilities$2,405$815▼ $1,590
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$382,248$408,591▲ $26,343
Total Net Assets Fund Balance$382,248$408,591▲ $26,343
Total Liabilities and Net Assets / Fund Balance$384,653$409,406▲ $24,753

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,048$28,740$29,788
Other Securities$97,308--
Compensation and Service Providers
Top Officer Pay85th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Michael McmullinPresidentPT$108,889$37,204$146,093

Board Members and Trustees

NameTitle
Andrea BerstlerChair of the
Cindy MccabeDirector
Coleen Kramer-bealDirector
Dr Jim BallDirector
Dr Julia JaskenDirector
Emily Bollinger-millerDirector
Hannah BrookfieldDirector
Jon AllenDirector
Jon WeetmanDirector
Leigh ChapmanDirector
Lenny MillsDirector
Lyndi McnultyDirector
Mark BlackstenDirector
Richard TurnerDirector
Seth ShipleyDirector
Val GiovangnoniDirector
Brady ChapmanImmediate Pa
Jack MccrackenTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$569,937
Investment Income
$8,293
Other Revenue
$48,749
Change in Net Assets
$15,091
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$443,942
Salaries, Compensation, and Employee Benefits$167,946
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Conferences and Meetings---$212,454
Advertising---$131,206
Current Officers, Directors, Trustees, and Key Employees---$123,579
Other Salaries and Wages---$32,596
Office Expenses---$22,827
Occupancy---$20,947
Payroll Taxes---$11,771
Information Technology---$8,995
Travel---$5,300
Fees for Services Accounting---$4,363
Insurance---$3,466
Depreciation Depletion---$2,228
Other Expenses---$1,547
Total Functional Expenses$0$0$0$611,888
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$53,478
Fundraising Direct Expenses$4,729
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Outing$30,650$30,650$409$30,241
Trips/tours$22,828$22,828-$22,828
Total Events$53,478$53,478$4,729$48,749
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
Yes
Subject to proxy tax
Yes
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
No
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 6

“The chamber has a general membership. Members elect the board of directors annually.”

Form 990, Page 6, Part VI, Line 7A

“Board members are elected by membership at the chamber's annual meeting.”

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

“A draft of the 990 is reviewed by the president and treasurer before filing.”

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

“The organization requires board members to complete/ update the disclosure form annually.”

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

“The president's salary is determined by the board's executive committee based on past experience and comparability with other similar organizations.”

Form 990, Page 6, Part VI, Line 19

“This information is available upon request.”

Filing and Contact Details

Filer

Filer Name
Carroll County Chamber of Commerce
EIN
52-0684041
Phone
4108489050
Address
9 EAST MAIN STREET SUITE 105, WESTMINSTER, MD 21157

Signing Officer

Name
Michael Mcmullin
Title
President
Phone
4108489050
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Michael Mcmullin
Formed
1924
Legal Domicile
Md
Voting Board Members
18
Independent Board Members
18
Employees
4
Volunteers
100

Preparer

Firm
Brown Plus
Address
205 EAST MAIN STREET, WESTMINSTER, MD 21157
Preparer
Sherry M Cracium-bolin CPA
Phone
4108763990
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4B

“Leadership carroll is cosponsored by the carroll county chamber of commerce and carroll community college. Since its debut in 1990, leadership carroll has been the premier leadership development program in carroll county. Its purpose is to provide existing and emerging leaders with a combination of leadership training and detailed knowledge of the community, including a description of the problems, opportunities, and issues facing our community. Employers from every size business, along with nonprofit and government organizations, enroll their managers and key professional staff in the program and provide them direct contact with the leaders and the institutions central to the process of change in carroll county. Leadership carroll is your best opportunity to enhance your own or your employee's knowledge of who to call on and how to get things done in carroll county. The leadership carroll program had 43 graduates in 2024 and currently has 46 enrolled in the class this year.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIR OF THE
IRS990/Form990PartVIISectionAGrp/TitleTxt2IMMEDIATE PA
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
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IRS990/MissionDesc0THE CARROLL COUNTY CHAMBER OF COMMERCE EXISTS TO PROMOTE A SOUND ECONOMIC ENVIRONMENT IN WHICH OUR BUSINESS COMMUNITY CAN PROSPER.
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IRS990/PrincipalOfficerNm0MICHAEL MCMULLIN
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IRS990/ProgramServiceRevenueGrp/Desc2CHAMBER FUNCTIONS, PROJECTS
IRS990/ProgramServiceRevenueGrp/Desc3LEADERSHIP CARROLL
IRS990/ProgramServiceRevenueGrp/Desc4CARROLL BIZ CHALLENGE
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IRS990/ProgSrvcAccomActy2Grp/Desc0LEADERSHIP CARROLL IS COSPONSORED BY THE CARROLL COUNTY CHAMBER OF COMMERCE AND CARROLL COMMUNITY COLLEGE. SINCE ITS DEBUT IN 1990, LEADERSHIP CARROLL HAS BEEN THE PREMIER LEADERSHIP DEVELOPMENT PROGRAM IN CARROLL COUNTY. ITS PURPOSE IS TO PROVIDE EXISTING AND EMERGING LEADERS WITH A COMBINATION OF LEADERSHIP TRAINING AND DETAILED KNOWLEDGE OF THE COMMUNITY, INCLUDING A DESCRIPTION OF THE PROBLEMS, OPPORTUNITIES, AND ISSUES FACING OUR COMMUNITY. EMPLOYERS FROM EVERY SIZE BUSINESS, ALONG WITH NONPROFIT AND GOVERNMENT ORGANIZATIONS, ENROLL THEIR MANAGERS AND KEY PROFESSIONAL STAFF IN THE PROGRAM AND PROVIDE THEM DIRECT CONTACT WITH THE LEADERS AND THE INSTITUTIONS CENTRAL TO THE PROCESS OF CHANGE IN CARROLL COUNTY. LEADERSHIP CARROLL IS YOUR BEST OPPORTUNITY TO ENHANCE YOUR OWN OR YOUR EMPLOYEE'S KNOWLEDGE OF WHO TO CALL ON AND HOW TO GET THINGS DONE IN CARROLL COUNTY. THE LEADERSHIP CARROLL PROGRAM HAD 43 GRADUATES IN 2024 AND CURRENTLY HAS 46 ENROLLED IN THE CLASS THIS YEAR.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE CHAMBER HOSTS AN EVENT CALLED THE CARROLL BIZ CHALLENGE, WHICH HAS BECOME AN ANNUAL TRADITION IN CARROLL COUNTY. THE BIZ CHALLENGE OFFERS LOCAL ENTREPRENUERS THE EXCITING OPPORTUNITY TO PITCH THEIR NEW BUSINESS IDEAS TO MAKE GREAT CONNECTIONS, GET LOADS OF PUBLICITY, AND COMPETE FOR A 10,000 CASH PRIZE. IN 2024, THERE WERE 40 ENTRANTS IN THE CARROLL BIZ CHALLENGE.
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt1126083
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt297308
IRS990ScheduleD/OtherSecuritiesGrp/Desc0MUTUAL FUNDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1EXCHANGE TRADED FUNDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2TREASURY FUND
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0LEADERSHIP CARROLL IS COSPONSORED BY THE CARROLL COUNTY CHAMBER OF COMMERCE AND CARROLL COMMUNITY COLLEGE. SINCE ITS DEBUT IN 1990, LEADERSHIP CARROLL HAS BEEN THE PREMIER LEADERSHIP DEVELOPMENT PROGRAM IN CARROLL COUNTY. ITS PURPOSE IS TO PROVIDE EXISTING AND EMERGING LEADERS WITH A COMBINATION OF LEADERSHIP TRAINING AND DETAILED KNOWLEDGE OF THE COMMUNITY, INCLUDING A DESCRIPTION OF THE PROBLEMS, OPPORTUNITIES, AND ISSUES FACING OUR COMMUNITY. EMPLOYERS FROM EVERY SIZE BUSINESS, ALONG WITH NONPROFIT AND GOVERNMENT ORGANIZATIONS, ENROLL THEIR MANAGERS AND KEY PROFESSIONAL STAFF IN THE PROGRAM AND PROVIDE THEM DIRECT CONTACT WITH THE LEADERS AND THE INSTITUTIONS CENTRAL TO THE PROCESS OF CHANGE IN CARROLL COUNTY. LEADERSHIP CARROLL IS YOUR BEST OPPORTUNITY TO ENHANCE YOUR OWN OR YOUR EMPLOYEE'S KNOWLEDGE OF WHO TO CALL ON AND HOW TO GET THINGS DONE IN CARROLL COUNTY. THE LEADERSHIP CARROLL PROGRAM HAD 43 GRADUATES IN 2024 AND CURRENTLY HAS 46 ENROLLED IN THE CLASS THIS YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CHAMBER HAS A GENERAL MEMBERSHIP. MEMBERS ELECT THE BOARD OF DIRECTORS ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2BOARD MEMBERS ARE ELECTED BY MEMBERSHIP AT THE CHAMBER'S ANNUAL MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3A DRAFT OF THE 990 IS REVIEWED BY THE PRESIDENT AND TREASURER BEFORE FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION REQUIRES BOARD MEMBERS TO COMPLETE/ UPDATE THE DISCLOSURE FORM ANNUALLY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE PRESIDENT'S SALARY IS DETERMINED BY THE BOARD'S EXECUTIVE COMMITTEE BASED ON PAST EXPERIENCE AND COMPARABILITY WITH OTHER SIMILAR ORGANIZATIONS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THIS INFORMATION IS AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
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IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
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