Civic Intelligence

Associated Builders & Contractors Inc Chesapeake Shores Chapter

EIN 52-0810991 • 501(c)6 • Annapolis, MD

Profile

Business league that unites and serves general contractors, subcontractors, suppliers and industry professionals in promoting the construction industry and preserving free enterprise.

100 West StreetAnnapolis, MD 21401

www.abc-chesapeake.org

Siviq Scores

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

Liabilities / Assets

68th percentile

0.28x

Higher debt load relative to assets than 68% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

72nd percentile

0.35x

Higher debt load relative to revenue than 72% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Net Margin

48th percentile

3.8%

Higher net margin than 48% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

54th percentile

7.0%

Faster asset growth than 54% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

54th percentile

8.1%

Faster revenue growth than 54% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets68th percentile

Assets

Up

$1,588,580

Up $103,457 (+7.0%) from 2023

Liabilities

Up

$446,431

Up $9,453 (+2.2%) from 2023

Net Assets

Up

$1,142,149

Up $94,004 (+9.0%) from 2023

Operations
Liabilities / Revenue72nd percentileNet Margin48th percentile

Revenue

Up

$1,258,236

Up $94,409 (+8.1%) from 2023

Expenses

Up

$1,210,628

Up $114,292 (+10%) from 2023

Net Income

Down

$47,608

Down $19,883 (-29%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth54th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $472,836Liabilities 2010: $271,475Net Assets 2010: $201,3612010Assets 2011: $443,651Liabilities 2011: $231,273Net Assets 2011: $212,3782011Assets 2012: $417,401Liabilities 2012: $184,613Net Assets 2012: $232,7882012Assets 2013: $508,229Liabilities 2013: $259,707Net Assets 2013: $248,5222013Assets 2014: $548,642Liabilities 2014: $276,147Net Assets 2014: $272,4952014Assets 2015: $568,942Liabilities 2015: $251,145Net Assets 2015: $317,7972015Assets 2016: $587,004Liabilities 2016: $226,057Net Assets 2016: $360,9472016Assets 2017: $693,835Liabilities 2017: $244,393Net Assets 2017: $449,4422017Assets 2018: $785,115Liabilities 2018: $328,152Net Assets 2018: $456,9632018Assets 2019: $978,750Liabilities 2019: $376,677Net Assets 2019: $602,0732019Assets 2020: $1,087,047Liabilities 2020: $387,918Net Assets 2020: $699,1292020Assets 2021: $1,273,287Liabilities 2021: $348,882Net Assets 2021: $924,4052021Assets 2022: $1,284,656Liabilities 2022: $352,127Net Assets 2022: $932,5292022Assets 2023: $1,485,123Liabilities 2023: $436,978Net Assets 2023: $1,048,1452023Assets 2024: $1,588,580Liabilities 2024: $446,431Net Assets 2024: $1,142,1492024

Highlighted filing

2024

Assets$1,588,580
Liabilities$446,431
Net Assets$1,142,149
Open 2024 Filing

Operations Trend

Revenue Growth54th percentile

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

$1.5M$1.0M$500K$0Expenses 2010: $553,7612010Expenses 2011: $547,6132011Revenue 2012: $571,412Expenses 2012: $563,516Net Income 2012: $7,8962012Revenue 2013: $496,051Expenses 2013: $495,171Net Income 2013: $8802013Revenue 2014: $566,600Expenses 2014: $546,695Net Income 2014: $19,9052014Revenue 2015: $616,912Expenses 2015: $564,526Net Income 2015: $52,3862015Revenue 2016: $675,428Expenses 2016: $638,553Net Income 2016: $36,8752016Revenue 2017: $747,425Expenses 2017: $677,722Net Income 2017: $69,7032017Revenue 2018: $856,038Expenses 2018: $812,537Net Income 2018: $43,5012018Revenue 2019: $970,323Expenses 2019: $876,917Net Income 2019: $93,4062019Revenue 2020: $875,383Expenses 2020: $801,599Net Income 2020: $73,7842020Revenue 2021: $1,061,883Expenses 2021: $892,389Net Income 2021: $169,4942021Revenue 2022: $1,088,748Expenses 2022: $1,005,654Net Income 2022: $83,0942022Revenue 2023: $1,163,827Expenses 2023: $1,096,336Net Income 2023: $67,4912023Revenue 2024: $1,258,236Expenses 2024: $1,210,628Net Income 2024: $47,6082024

Highlighted filing

2024

Revenue$1,258,236
Expenses$1,210,628
Net Income$47,608
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$1,588,580
Liabilities
$446,431
Net assets
$1,142,149
Revenue
$1,258,236
Expenses
$1,210,628
Net income
$47,608
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.59$0.45$1.14$1.26$1.21$0.05
2023Detailed filing. Detailed filing data is available for this year.$1.49$0.44$1.05$1.16$1.10$0.07
2022Detailed filing. Detailed filing data is available for this year.$1.28$0.35$0.93$1.09$1.01$0.08
2021Detailed filing. Detailed filing data is available for this year.$1.27$0.35$0.92$1.06$0.89$0.17
2020Detailed filing. Detailed filing data is available for this year.$1.09$0.39$0.70$0.88$0.80$0.07
2019Detailed filing. Detailed filing data is available for this year.$0.98$0.38$0.60$0.97$0.88$0.09
2018Detailed filing. Detailed filing data is available for this year.$0.79$0.33$0.46$0.86$0.81$0.04
2017Detailed filing. Detailed filing data is available for this year.$0.69$0.24$0.45$0.75$0.68$0.07
2016Detailed filing. Detailed filing data is available for this year.$0.59$0.23$0.36$0.68$0.64$0.04
2015Detailed filing. Detailed filing data is available for this year.$0.57$0.25$0.32$0.62$0.56$0.05
2014Detailed filing. Detailed filing data is available for this year.$0.55$0.28$0.27$0.57$0.55$0.02
2013Detailed filing. Detailed filing data is available for this year.$0.51$0.26$0.25$0.50$0.50$0.00
2012Summary only. Only limited summary data is available for this year.$0.42$0.18$0.23$0.57$0.56$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.44$0.23$0.21$0.55
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.47$0.27$0.20$0.55
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 15, 2025
Return Version
2024v5.2
Gross Receipts
$1,466,384
Mission and Program Overview

Mission

Business league that unites and serves general contractors, subcontractors, suppliers and industry professionals in promoting the construction industry and preserving free enterprise.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments Other Securities$827,811$898,288▲ $70,477
Cash and Non-Interest-Bearing Accounts$371,974$419,285▲ $47,311
Land, Buildings, and Equipment, Net$103,583$110,941▲ $7,358
Prepaid Expenses and Deferred Charges$93,421$108,905▲ $15,484
Accounts Receivable$85,662$49,986▼ $35,676
Total Assets$1,485,123$1,588,580▲ $103,457
Other Assets Total$2,672$1,175▼ $1,497
Liabilities
Deferred Revenue$381,146$409,728▲ $28,582
Accounts Payable and Accrued Expenses$50,661$36,703▼ $13,958
Other Liabilities$5,171$0▼ $5,171
Total Liabilities$436,978$446,431▲ $9,453
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,048,145$1,142,149▲ $94,004
Total Net Assets Fund Balance$1,048,145$1,142,149▲ $94,004
Total Liabilities and Net Assets / Fund Balance$1,485,123$1,588,580▲ $103,457

Asset Categories

AssetBook ValueDepreciationBasis
Leasehold Improvements$69,806$85,011$154,817
Equipment$0$100,209$100,209
Buildings$14,926$29,842$44,768
Land$26,209-$26,209
Other Securities$212,781--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Christopher GarveyPresident/CEOFT$205,904$19,108$225,012

Board Members and Trustees

NameTitle
Hunter BendallChairman
Doug PortnerImmediate Past Chair
Steve PrincipeIncoming Chairman
Austin DavisDirector
Ben HarriesDirector
Charley MeeksDirector
David JaquesDirector
Eric RegelinDirector
Kathryn EllisDirector
Mike ScottDirector
Ricardo SantiagoDirector
Steve SmollonDirector
Thad WatersDirector
Tim ReedyDirector
Whitney BeallDirector
Dereck HallSecretary
Daniel KurekTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$556,168
Program Service Revenue
$414,783
Investment Income
$24,584
Other Revenue
$262,701
Change in Net Assets
$47,608

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,258,236
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$46,396
Total Revenue per Audited Statements
$1,304,632
Total Revenue per Form 990
$1,258,236
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$735,557
Other Expenses$475,071
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$427,548
Current Officers, Directors, Trustees, and Key Employees---$225,012
Conferences and Meetings---$172,236
Office Expenses---$52,054
Payroll Taxes---$46,276
Fees for Services Accounting---$27,238
Other Employee Benefits---$26,981
Occupancy---$20,928
Travel---$12,543
Other Expenses---$11,335
Pension Plan Contributions---$9,740
Insurance---$9,304
Depreciation Depletion---$8,303
Total Functional Expenses$0$0$0$1,210,628

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,210,628
Total Expenses per Audited Statements$1,210,628
Total Expenses per Form 990$1,210,628
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$442,467
Fundraising Direct Expenses$208,148
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Holiday Gala$139,637$139,637$62,566$77,071
Golf Outing$100,930$100,930$64,759$36,171
Total Events$442,467$442,467$178,148$264,319
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
No
Subject to proxy tax
Yes

Reported Spending and Taxes

Line ItemAmount
Current Year Nondeductible Lobbying and Political Cost$25,570
Total Nondeductible Lobbying and Political Cost$25,570
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
-Common Board MembersMonthly Management Fee Paid to the Association.No$204,000
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
Yes
Business relationship with 35% controlled entity
Yes
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 6

“The association has members that pay dues and are able to elect members of the board of directors.”

Form 990, Part VI, Section A, Line 7A

“The association has members that pay dues and are able to elect members to the board of directors.”

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

“The board of directors is provided with a copy of form 990 and 990t prior to the filing of the returns. After review and approval by the board of directors, the returns are filed.”

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

“The association staff make reasonable efforts to obtain information on an annual basis for the association's leaders as necessary to enforce the conflict of interest policy.”

Form 990, Part VI, Section B, Line 15

“The compensation of the president and any key employees shall be annually reviewed by the executive committee. In conducting such review, the committee shall review data as to comparable compensation for similarly qualified persons in functionally comparable positions at similarly situated organizations and make contemporaneous documentation and recordkeeping with respect to the deliberations and decisions regarding the compensation agreement.”

Form 990, Part VI, Section C, Line 19

“The association makes its governing documents, conflict of interest policy and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Associated Builders & Contractors
EIN
52-0810991
Phone
4102670347
Address
100 WEST STREET, ANNAPOLIS, MD 21401

Signing Officer

Name
Christopher Garvey
Title
President
Phone
4102670347
Signed
2025-10-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Chris Garvey
Formed
1964
Legal Domicile
Md
Voting Board Members
17
Independent Board Members
17
Employees
9
Volunteers
28

Preparer

Firm
Mullen Sondberg Wimbish & Stone Pa
Address
888 BESTGATE ROAD SUITE 310, ANNAPOLIS, MD 21401
Preparer
Patrick M Hantske CPA
Phone
4102244920
Supplemental Narrative

Additional Explanations

Part XII, Line 2C

“The board of directors is responsible for the selection of the independent accounting firm that completes the annual audit and is responsible for oversight of the audit process. This process has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The organization follows the guidance of asc 740-10, "accounting for uncertainty in income taxes" which clarifies the accounting for the recognition and measurement of the benefits of individual tax positions in the financial statements, including those of non-profit organizations. Tax positions must meet a recognition threshold of more-likely-than-not in order for the benefit of those tax positions to be recognized in the organization's financial statements. The organization analyzes tax positions taken, including those related to the requirements set forth in irc sec 501(c) to qualify as a tax exempt organization, activities performed by volunteers and board members, the reporting of unrelated business income, and its status as a tax-exempt organization under maryland state statute. The organization does not know of any tax benefits arising from uncertain tax positions and there was no effect on the organization's financial positions or changes in net assets as a result of analyzing its tax positions.”

Raw XML AppendixShowing 400 of 502 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
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IRS990/Form990PartVIISectionAGrp/TitleTxt1IMMEDIATE PAST CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4SECRETARY
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/TitleTxt17PRESIDENT/CEO
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IRS990/Form990TFiledInd01
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IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd01
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IRS990/GrantsToOrganizationsInd00
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IRS990/MinutesOfCommitteesInd01
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IRS990/NondeductibleContributionsInd00
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IRS990/OfficeExpensesGrp/TotalAmt052054
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IRS990/Organization501cInd0X
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IRS990/OtherChangesInNetAssetsAmt00
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IRS990/OtherExpensesGrp/Desc0NATIONAL DUES
IRS990/OtherExpensesGrp/Desc1OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc2REPAIRS AND MAINTENANCE
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IRS990/OtherExpensesGrp/TotalAmt123415
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IRS990/OtherRevenueMiscGrp/BusinessCd0524298
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IRS990/ProgSrvcAccomActy2Grp/Desc0THE ASSOCIATION RECOGNIZES AND HONORS MEMBERS WHO DEMONSTRATE EXEMPLARY SAFETY PROGRAMS AND EXCELLENCE IN CONSTRUCTION. EVENTS ENCOURAGE MEMBERS TO NETWORK AND BUILD PROFESSIONAL FOUNDATIONS WITHIN THE FREE ENTERPRISE SYSTEM.
IRS990/ProgSrvcAccomActy3Grp/Desc0THE ASSOCIATION SERVES ITS MEMBERS BY PROVIDING INFORMATION PERTINENT TO THE CONSTRUCTION INDUSTRY. MONTHLY EVENTS PROVIDE AN OPPORTUNITY FOR BUSINESS DEVELOPMENT AND INDUSTRY GROWTH.
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IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt085011
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IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt16052
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt2212781
IRS990ScheduleD/OtherSecuritiesGrp/Desc0MUTUAL FUNDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1MONEY MARKET FUNDS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2EXCHANGE TRADED FUNDS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1F
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2F
IRS990ScheduleD/RevenueNotReportedAmt046396
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01258236
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION FOLLOWS THE GUIDANCE OF ASC 740-10, "ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES" WHICH CLARIFIES THE ACCOUNTING FOR THE RECOGNITION AND MEASUREMENT OF THE BENEFITS OF INDIVIDUAL TAX POSITIONS IN THE FINANCIAL STATEMENTS, INCLUDING THOSE OF NON-PROFIT ORGANIZATIONS. TAX POSITIONS MUST MEET A RECOGNITION THRESHOLD OF MORE-LIKELY-THAN-NOT IN ORDER FOR THE BENEFIT OF THOSE TAX POSITIONS TO BE RECOGNIZED IN THE ORGANIZATION'S FINANCIAL STATEMENTS. THE ORGANIZATION ANALYZES TAX POSITIONS TAKEN, INCLUDING THOSE RELATED TO THE REQUIREMENTS SET FORTH IN IRC SEC 501(C) TO QUALIFY AS A TAX EXEMPT ORGANIZATION, ACTIVITIES PERFORMED BY VOLUNTEERS AND BOARD MEMBERS, THE REPORTING OF UNRELATED BUSINESS INCOME, AND ITS STATUS AS A TAX-EXEMPT ORGANIZATION UNDER MARYLAND STATE STATUTE. THE ORGANIZATION DOES NOT KNOW OF ANY TAX BENEFITS ARISING FROM UNCERTAIN TAX POSITIONS AND THERE WAS NO EFFECT ON THE ORGANIZATION'S FINANCIAL POSITIONS OR CHANGES IN NET ASSETS AS A RESULT OF ANALYZING ITS TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt00
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0CHRISTOPHER GARVEY
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT/CEO

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