Civic Intelligence

Calvert County Chamber of Commerce Inc

EIN 52-1215923 • 501(c)6 • Prince Frederick, MD

Profile

The mission of the calvert county chamber of commerce is to be the influential voice of business, creating economic vitality by promoting business community and its members.

PO Box 9Prince Frederick, MD 20678

www.calvertchamber.org

Siviq Scores

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

Liabilities / Assets

86th percentile

0.33x

Higher debt load relative to assets than 86% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

95th percentile

0.69x

Higher debt load relative to revenue than 95% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

36th percentile

-7.0%

Higher net margin than 36% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

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

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

41st percentile

-6.6%

Faster asset growth than 41% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

68th percentile

10%

Faster revenue growth than 68% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Assets

Down

$446,153

Down $31,496 (-6.6%) from 2023

Liabilities

Down

$147,032

Down $16,563 (-10%) from 2023

Net Assets

Down

$299,121

Down $14,933 (-4.8%) from 2023

Revenue

Up

$214,007

Up $20,296 (+10%) from 2023

Expenses

Up

$228,940

Up $8,260 (+3.7%) from 2023

Net Income

Up

-$14,933

Up $12,036 (+45%) from 2023

Trend Graphs

Balance Sheet Trend

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

$600K$400K$200K$0Assets 2011: $487,587Liabilities 2011: $74,840Net Assets 2011: $412,7472011Assets 2012: $439,458Liabilities 2012: $33,437Net Assets 2012: $406,0212012Assets 2013: $428,500Liabilities 2013: $48,914Net Assets 2013: $379,5862013Assets 2014: $408,779Liabilities 2014: $52,327Net Assets 2014: $356,4522014Assets 2015: $371,454Liabilities 2015: $28,953Net Assets 2015: $342,5012015Assets 2016: $380,511Liabilities 2016: $53,899Net Assets 2016: $326,6122016Assets 2017: $356,229Liabilities 2017: $44,331Net Assets 2017: $311,8982017Assets 2018: $335,622Liabilities 2018: $29,646Net Assets 2018: $305,9762018Assets 2019: $306,130Liabilities 2019: $22,882Net Assets 2019: $283,2482019Assets 2020: $475,256Liabilities 2020: $169,003Net Assets 2020: $306,2532020Assets 2021: $521,154Liabilities 2021: $176,743Net Assets 2021: $344,4112021Assets 2022: $511,033Liabilities 2022: $170,010Net Assets 2022: $341,0232022Assets 2023: $477,649Liabilities 2023: $163,595Net Assets 2023: $314,0542023Assets 2024: $446,153Liabilities 2024: $147,032Net Assets 2024: $299,1212024

Highlighted filing

2024

Assets$446,153
Liabilities$147,032
Net Assets$299,121

Operations Trend

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

$300K$200K$100K$0-$100KRevenue 2011: $294,757Expenses 2011: $287,428Net Income 2011: $7,3292011Expenses 2012: $287,8052012Revenue 2013: $270,378Expenses 2013: $296,813Net Income 2013: -$26,4352013Revenue 2014: $254,673Expenses 2014: $277,807Net Income 2014: -$23,1342014Revenue 2015: $231,992Expenses 2015: $245,943Net Income 2015: -$13,9512015Revenue 2016: $208,669Expenses 2016: $224,558Net Income 2016: -$15,8892016Revenue 2017: $213,550Expenses 2017: $228,264Net Income 2017: -$14,7142017Revenue 2018: $244,596Expenses 2018: $250,518Net Income 2018: -$5,9222018Revenue 2019: $227,916Expenses 2019: $250,643Net Income 2019: -$22,7272019Revenue 2020: $188,252Expenses 2020: $165,247Net Income 2020: $23,0052020Revenue 2021: $208,443Expenses 2021: $150,285Net Income 2021: $58,1582021Revenue 2022: $190,658Expenses 2022: $214,046Net Income 2022: -$23,3882022Revenue 2023: $193,711Expenses 2023: $220,680Net Income 2023: -$26,9692023Revenue 2024: $214,007Expenses 2024: $228,940Net Income 2024: -$14,9332024

Highlighted filing

2024

Revenue$214,007
Expenses$228,940
Net Income-$14,933

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.46$1.47$2.99$2.14$2.29$0.15
2023Detailed filing. Detailed filing data is available for this year.$4.78$1.64$3.14$1.94$2.21$0.27
2022Detailed filing. Detailed filing data is available for this year.$5.11$1.70$3.41$1.91$2.14$0.23
2021Detailed filing. Detailed filing data is available for this year.$5.21$1.77$3.44$2.08$1.50$0.58
2020Detailed filing. Detailed filing data is available for this year.$4.75$1.69$3.06$1.88$1.65$0.23
2019Detailed filing. Detailed filing data is available for this year.$3.06$0.23$2.83$2.28$2.51$0.23
2018Detailed filing. Detailed filing data is available for this year.$3.36$0.30$3.06$2.45$2.51$0.06
2017Detailed filing. Detailed filing data is available for this year.$3.56$0.44$3.12$2.14$2.28$0.15
2016Detailed filing. Detailed filing data is available for this year.$3.81$0.54$3.27$2.09$2.25$0.16
2015Detailed filing. Detailed filing data is available for this year.$3.71$0.29$3.43$2.32$2.46$0.14
2014Detailed filing. Detailed filing data is available for this year.$4.09$0.52$3.56$2.55$2.78$0.23
2013Detailed filing. Detailed filing data is available for this year.$4.29$0.49$3.80$2.70$2.97$0.26
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.39$0.33$4.06$2.88
2011Summary only. Only limited summary data is available for this year.$4.88$0.75$4.13$2.95$2.87$0.07
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 11, 2025
Return Version
2024v5.0
Gross Receipts
$243,291
Mission and Program Overview

Mission

The mission of the calvert county chamber of commerce is to be the influential voice creating economic vitality by promoting business community and its members.

The mission of the calvert county chamber of commerce is to be the influential voice of business, creating economic vitality by promoting business community and its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$244,362$243,182▼ $1,180
Land, Buildings, and Equipment, Net$158,637$153,590▼ $5,047
Cash and Non-Interest-Bearing Accounts$74,650$49,381▼ $25,269
Total Assets$477,649$446,153▼ $31,496
Liabilities
Other Liabilities$139,976$139,483▼ $493
Deferred Revenue$21,634$7,267▼ $14,367
Accounts Payable and Accrued Expenses$1,985$282▼ $1,703
Total Liabilities$163,595$147,032▼ $16,563
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$314,054$299,121▼ $14,933
Total Net Assets Fund Balance$314,054$299,121▼ $14,933
Total Liabilities and Net Assets / Fund Balance$477,649$446,153▼ $31,496

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$91,810$105,041$196,851
Land$61,780-$61,780
Equipment-$20,395$20,395
Compensation and Service Providers

Board Members and Trustees

NameTitle
Bonnie BarrettChair
Kathryn ManeyPresident/ce
Cosmo ValenteBoard Member
Cynthia SclaterBoard Member
Dawn MooneyBoard Member
Jill AlexanderBoard Member
Katherine LegerBoard Member
Lisa RitterBoard Member
Marci KreamerBoard Member
Mary LanhamBoard Member
Robyn HansonBoard Member
Susan LopezBoard Member
Thais FalavignaBoard Member
Yolanda WilsonBoard Member
Julie Overby1st Vice CHA
Wendy Tonic2nd Vice CHA
Dana BustinSecretary
James FleshmanTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$184,884
Investment Income
$11,820
Other Revenue
$17,303
Change in Net Assets
$-14,933
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$151,101
Other Expenses$77,839
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$138,380--$138,380
Occupancy$17,569--$17,569
Information Technology$17,226--$17,226
Payroll Taxes$10,838--$10,838
Interest$7,200--$7,200
Advertising$6,586--$6,586
Insurance$6,161--$6,161
Depreciation Depletion$5,047--$5,047
Office Expenses$3,231--$3,231
Fees for Services Accounting$2,695--$2,695
All Other Expenses$2,342--$2,342
Pension Plan Contributions$1,883--$1,883
Other Expenses$1,475--$1,475
Conferences and Meetings$820--$820
Total Functional Expenses$228,940$0$0$228,940
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$37,157
Fundraising Direct Expenses$29,284
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
W2w Event$15,856$15,856$2,657$13,199
Golf Tournment$10,975$10,975$248$10,727
Total Events$26,831$26,831$21,921$4,910
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
Yes
Subject to proxy tax
Yes
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Sba Loan$138,100
Tenant Security Deposit$850
Pnc Credit Card$532
Rounding Adjustment$1
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
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 7A

The board of directors shall be elected at the annual meeting or at a a special meeting of the members for that purpose. Election shall be by majority vote of the chamber members present at the annual meeting, according to the class of directorship for which each candidate stands. Any person, association, corporation, limited liability partnership or company, or other form or trade association actively engaged in commerce, trade and profession may subscribe for membership. Members must apply for membership and pay a membership fee. Honary members are granted all privileges of the membership without the payment of dues by the board of directors. Honorary memberships are awarded to persons who have a record of distinguished service to the chamber, and the business community. The honorary menmbership may be revoked at any time for any reason.

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

The form 990 is presented to the board of directors before it is filed.

Form 990, Page 6, Part VI, Line 19

No documents available to the public

Filing and Contact Details

Filer

Filer Name
Calvert County Chamber of Commerce
EIN
52-1215923
Phone
4105352577
Address
PO BOX 9, PRINCE FREDERICK, MD 20678

Signing Officer

Name
Kathryn Maney
Title
President/CEO
Phone
4105352577
Signed
2025-11-11

Organization Details

Principal Officer
Kathryn Maney
Formed
1976
Legal Domicile
Md
Voting Board Members
16
Independent Board Members
16
Employees
4
Supplemental Narrative

Additional Explanations

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

Weekly e-blast newsletter is sent to all members which helps business community stay informed on local business issues and events. Informational eductional events to inform the membership on current business topics and legislative matters that may affect their business. Provide a voice on local committees in the community that are involved in issues impacting the business climate.

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IRS990/MissionDesc0THE MISSION OF THE CALVERT COUNTY CHAMBER OF COMMERCE IS TO BE THE INFLUENTIAL VOICE CREATING ECONOMIC VITALITY BY PROMOTING BUSINESS COMMUNITY AND ITS MEMBERS.
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IRS990/ProgSrvcAccomActyOtherGrp/Desc0WEEKLY E-BLAST NEWSLETTER IS SENT TO ALL MEMBERS WHICH HELPS BUSINESS COMMUNITY STAY INFORMED ON LOCAL BUSINESS ISSUES AND EVENTS. INFORMATIONAL EDUCTIONAL EVENTS TO INFORM THE MEMBERSHIP ON CURRENT BUSINESS TOPICS AND LEGISLATIVE MATTERS THAT MAY AFFECT THEIR BUSINESS. PROVIDE A VOICE ON LOCAL COMMITTEES IN THE COMMUNITY THAT ARE INVOLVED IN ISSUES IMPACTING THE BUSINESS CLIMATE.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0WEEKLY E-BLAST NEWSLETTER IS SENT TO ALL MEMBERS WHICH HELPS BUSINESS COMMUNITY STAY INFORMED ON LOCAL BUSINESS ISSUES AND EVENTS. INFORMATIONAL EDUCTIONAL EVENTS TO INFORM THE MEMBERSHIP ON CURRENT BUSINESS TOPICS AND LEGISLATIVE MATTERS THAT MAY AFFECT THEIR BUSINESS. PROVIDE A VOICE ON LOCAL COMMITTEES IN THE COMMUNITY THAT ARE INVOLVED IN ISSUES IMPACTING THE BUSINESS CLIMATE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS SHALL BE ELECTED AT THE ANNUAL MEETING OR AT A A SPECIAL MEETING OF THE MEMBERS FOR THAT PURPOSE. ELECTION SHALL BE BY MAJORITY VOTE OF THE CHAMBER MEMBERS PRESENT AT THE ANNUAL MEETING, ACCORDING TO THE CLASS OF DIRECTORSHIP FOR WHICH EACH CANDIDATE STANDS. ANY PERSON, ASSOCIATION, CORPORATION, LIMITED LIABILITY PARTNERSHIP OR COMPANY, OR OTHER FORM OR TRADE ASSOCIATION ACTIVELY ENGAGED IN COMMERCE, TRADE AND PROFESSION MAY SUBSCRIBE FOR MEMBERSHIP. MEMBERS MUST APPLY FOR MEMBERSHIP AND PAY A MEMBERSHIP FEE. HONARY MEMBERS ARE GRANTED ALL PRIVILEGES OF THE MEMBERSHIP WITHOUT THE PAYMENT OF DUES BY THE BOARD OF DIRECTORS. HONORARY MEMBERSHIPS ARE AWARDED TO PERSONS WHO HAVE A RECORD OF DISTINGUISHED SERVICE TO THE CHAMBER, AND THE BUSINESS COMMUNITY. THE HONORARY MENMBERSHIP MAY BE REVOKED AT ANY TIME FOR ANY REASON.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3NO DOCUMENTS AVAILABLE TO THE PUBLIC
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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