Civic Intelligence

Home Builders' Association of Western Marylandinc

990EZ • Fiscal year 2018 • EIN 52-0783735

Jan 01, 2018 to Dec 31, 2018 • Filed on May 03, 2019

Organization ProfileN/A
16 Greene StreetCumberland, MD 21502

(301) 722-4343

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

73rd percentile

0.09x

Higher debt load relative to assets than 73% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Liabilities / Revenue

88th percentile

0.27x

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

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Net Margin

72nd percentile

12%

Higher net margin than 72% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Top Officer Pay

70th percentile

$0

Higher top officer pay than 70% of similar nonprofits.

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

2018 filings • 501(c)6 • <$500k nonprofits • Source year 2018

Asset Growth

50th percentile

1.8%

Faster asset growth than 50% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Annualized from 2017 to 2018

Revenue Growth

29th percentile

-9.2%

Faster revenue growth than 29% of similar nonprofits.

2018 filings • 501(c)6 • <$500k nonprofits • Annualized from 2017 to 2018

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$122,153

Up $2,179 (+1.8%) from 2017

Net Assets

Up

$111,278

Up $4,879 (+4.6%) from 2017

Liabilities

Down

$10,875

Down $2,700 (-20%) from 2017

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin72nd percentile

Revenue

Down

$40,495

Down $4,089 (-9.2%) from 2017

Expenses

Down

$35,616

Down $5,104 (-13%) from 2017

Net Income

Up

$4,879

Up $1,015 (+26%) from 2017

Historical Trend

Balance Sheet Trend

Asset Growth50th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$150K$100K$50K$0Assets 2011: $78,190Liabilities 2011: $904Net Assets 2011: $77,2862011Assets 2012: $97,054Liabilities 2012: $768Net Assets 2012: $96,2862012Assets 2013: $98,018Liabilities 2013: $8,167Net Assets 2013: $89,8512013Assets 2014: $108,318Liabilities 2014: $10,065Net Assets 2014: $98,2532014Assets 2015: $110,951Liabilities 2015: $9,600Net Assets 2015: $101,3512015Assets 2016: $114,929Liabilities 2016: $12,394Net Assets 2016: $102,5352016Assets 2017: $119,974Liabilities 2017: $13,575Net Assets 2017: $106,3992017Assets 2018: $122,153Liabilities 2018: $10,875Net Assets 2018: $111,2782018Assets 2019: $111,095Liabilities 2019: $8,834Net Assets 2019: $102,2612019Assets 2020: $103,687Liabilities 2020: $18,940Net Assets 2020: $84,7472020Assets 2021: $94,497Liabilities 2021: $22,109Net Assets 2021: $72,3882021Assets 2022: $81,770Liabilities 2022: $21,824Net Assets 2022: $59,9462022Assets 2023: $80,580Liabilities 2023: $1,530Net Assets 2023: $79,0502023

Highlighted filing

2018

Assets$122,153
Liabilities$10,875
Net Assets$111,278
Open 2018 Filing

Operations Trend

Revenue Growth29th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$60K$40K$20K$0-$20KRevenue 2011: $52,985Expenses 2011: $27,565Net Income 2011: $25,4202011Revenue 2012: $44,175Expenses 2012: $25,175Net Income 2012: $19,0002012Revenue 2013: $30,822Expenses 2013: $37,257Net Income 2013: -$6,4352013Revenue 2014: $52,245Expenses 2014: $43,843Net Income 2014: $8,4022014Revenue 2015: $52,029Expenses 2015: $48,931Net Income 2015: $3,0982015Revenue 2016: $47,814Expenses 2016: $46,630Net Income 2016: $1,1842016Revenue 2017: $44,584Expenses 2017: $40,720Net Income 2017: $3,8642017Revenue 2018: $40,495Expenses 2018: $35,616Net Income 2018: $4,8792018Revenue 2019: $27,285Expenses 2019: $36,302Net Income 2019: -$9,0172019Revenue 2020: $8,177Expenses 2020: $25,691Net Income 2020: -$17,5142020Revenue 2021: $9,371Expenses 2021: $21,730Net Income 2021: -$12,3592021Revenue 2022: $179Expenses 2022: $12,621Net Income 2022: -$12,4422022Revenue 2023: $33,532Expenses 2023: $14,428Net Income 2023: $19,1042023

Highlighted filing

2018

Revenue$40,495
Expenses$35,616
Net Income$4,879
Open 2018 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
May 3, 2019
Return Version
2018v3.1
Gross Receipts
$69,242
Mission and Program Overview

Mission

Promoting the real estate trade in the cumberland area

Program Services

DescriptionGrantsExpenses
PROMOTING THE REAL ESTATE TRADE IN THE CUMBERLAND AREA.-$25,434
Compensation and Service Providers
Top Officer Pay70th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
PAM MCCUSKERPresident-$0--
SARAH BOWMANTreasurer-$0--
STACY HUMBERTSONSecretary-$0--
RICK GORNALLVice Preside-$0--
Fundraising, Events, and Gaming

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Home Shows$52,484$52,484$24,414$28,070
Total Events$52,484$52,484$24,414$28,070
Filing and Contact Details

Filer

Filer Name
HOME BUILDERS' ASSOCIATION OF
EIN
52-0783735
Phone
3017224343
Address
16 GREENE STREET, CUMBERLAND, MD 21502

Signing Officer

Name
Pam Mccusker
Title
President
Phone
3017224343
Signed
2019-05-03
Discuss with paid preparer
Yes

Preparer

Firm
Turnbull Hoover & Kahl Pa
Address
217 GLENN ST STE 200, CUMBERLAND, MD 21502
Preparer
Bernard B Kahl CPA
Phone
3017593270
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses advertising 225 committee meeting 370 insurance 1,029 dues expense 11,196 real estate taxes 1,190 supplies 3,645 computer servicing 196 miscellaneous 30 total 17,881”

Form 990-ez, Part II, Line 24

“Buildings 4,722 4,722 improvements 40,892 40,892 machinery & equipment 1,573 1,573 prepaid expenses 660 660 total 47,847 47,847”

Form 990-ez, Part II, Line 26

“Payroll taxes payable 262 288 deferred revenue 13,313 10,587”

Raw XML Appendix128 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/PersonNm0SARAH BOWMAN
IRS990EZ/BooksInCareOfDetail/PhoneNum08889878849
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt015 COMMERCE DRIVE
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0CUMBERLAND
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MD
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd021502
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt069024
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt071203
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt04879
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt04470
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0119974
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0122153
IRS990EZ/FundraisingGrossIncomeAmt057085
IRS990EZ/GrossReceiptsAmt069242
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt01007
IRS990EZ/LandAndBuildingsGrp/BOYAmt03103
IRS990EZ/LandAndBuildingsGrp/EOYAmt03103
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt011150
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0106399
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0111278
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0106399
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0111278
IRS990EZ/OccupancyRentUtltsAndMaintAmt03515
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt0000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt1000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt2000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt3000.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0PAM MCCUSKER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1SARAH BOWMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2STACY HUMBERTSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3RICK GORNALL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3VICE PRESIDE
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt047847
IRS990EZ/OtherAssetsTotalDetail/EOYAmt047847
IRS990EZ/OtherExpensesTotalAmt017881
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0PROMOTING THE REAL ESTATE TRADE IN THE CUMBERLAND AREA
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROMOTING THE REAL ESTATE TRADE IN THE CUMBERLAND AREA.
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt025434
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SalariesOtherCompEmplBnftAmt09750
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SpecialEventsDirectExpensesAmt028747
IRS990EZ/SpecialEventsNetIncomeLossAmt028338
IRS990EZ/StatesWhereCopyOfReturnIsFldCd0MD
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt013575
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt010875
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt035616
IRS990EZ/TotalProgramServiceExpensesAmt025434
IRS990EZ/TotalRevenueAmt040495
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt024414
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0HOME SHOWS
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt052484
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt052484
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt052484
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt052484
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt028070
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt024414
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt024414
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES ADVERTISING 225 COMMITTEE MEETING 370 INSURANCE 1,029 DUES EXPENSE 11,196 REAL ESTATE TAXES 1,190 SUPPLIES 3,645 COMPUTER SERVICING 196 MISCELLANEOUS 30 TOTAL 17,881
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BUILDINGS 4,722 4,722 IMPROVEMENTS 40,892 40,892 MACHINERY & EQUIPMENT 1,573 1,573 PREPAID EXPENSES 660 660 TOTAL 47,847 47,847
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PAYROLL TAXES PAYABLE 262 288 DEFERRED REVENUE 13,313 10,587
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 26
ReturnHeader/BuildTS02020-04-17 16:48:07Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0PAM MCCUSKER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03017224343
ReturnHeader/BusinessOfficerGrp/SignatureDt02019-05-03
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HOME BUILDERS' ASSOCIATION OF
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0WESTERN MARYLANDINC
ReturnHeader/Filer/BusinessNameControlTxt0HOME
ReturnHeader/Filer/EIN0520783735
ReturnHeader/Filer/PhoneNum03017224343
ReturnHeader/Filer/USAddress/AddressLine1Txt016 GREENE STREET
ReturnHeader/Filer/USAddress/CityNm0CUMBERLAND
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021502
ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId07CFC5DBD18E0911B5BDF1D9B59E19DA16AE0443D
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId088167E0CB924D25E6DDBFF1D181428BB2B95C4DC
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0207.255.193.231
ReturnHeader/FilingSecurityInformation/IPDt02019-11-15
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm014:17:04
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0521518807
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0TURNBULL HOOVER & KAHL PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0217 GLENN ST STE 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CUMBERLAND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd021502
ReturnHeader/PreparerPersonGrp/PhoneNum03017593270
ReturnHeader/PreparerPersonGrp/PreparationDt02019-11-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BERNARD B KAHL CPA
ReturnHeader/ReturnTs02019-11-15T14:17:04-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02018-01-01
ReturnHeader/TaxPeriodEndDt02018-12-31
ReturnHeader/TaxYr02018

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2018 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$122,153
Liabilities
$10,875
Net assets
$111,278
Revenue
$40,495
Expenses
$35,616
Net income
$4,879
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$0.81$0.02$0.79$0.34$0.14$0.19
2022Detailed filing. Detailed filing data is available for this year.$0.82$0.22$0.60$0.00$0.13$0.12
2021Detailed filing. Detailed filing data is available for this year.$0.94$0.22$0.72$0.09$0.22$0.12
2020Detailed filing. Detailed filing data is available for this year.$1.04$0.19$0.85$0.08$0.26$0.18
2019Detailed filing. Detailed filing data is available for this year.$1.11$0.09$1.02$0.27$0.36$0.09
2018Detailed filing. Detailed filing data is available for this year.$1.22$0.11$1.11$0.40$0.36$0.05
2017Detailed filing. Detailed filing data is available for this year.$1.20$0.14$1.06$0.45$0.41$0.04
2016Detailed filing. Detailed filing data is available for this year.$1.15$0.12$1.03$0.48$0.47$0.01
2015Detailed filing. Detailed filing data is available for this year.$1.11$0.10$1.01$0.52$0.49$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.08$0.10$0.98$0.52$0.44$0.08
2013Detailed filing. Detailed filing data is available for this year.$0.98$0.08$0.90$0.31$0.37$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.97$0.01$0.96$0.44$0.25$0.19
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.78$0.01$0.77$0.53$0.28$0.25
Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 2018 filings • 501(c)6 • <$500k nonprofits