Liabilities / Assets
99th percentile
Higher debt load relative to assets than 99% of similar nonprofits.
EIN 52-6075914 • 501(c)6 • Owings Mills, MD
Profile
Business membership organization advocates and supports members in networking and conducting business with each other as well as connecting with the community.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
99th percentile
Higher debt load relative to assets than 99% of similar nonprofits.
Liabilities / Revenue
67th percentile
Higher debt load relative to revenue than 67% of similar nonprofits.
Net Margin
51st percentile
Higher net margin than 51% of similar nonprofits.
Top Officer Pay
85th percentile
Higher top officer pay than 85% of similar nonprofits.
Top officer pay equals 34.9% of source-year revenue.
Asset Growth
11th percentile
Faster asset growth than 11% of similar nonprofits.
Revenue Growth
51st percentile
Faster revenue growth than 51% of similar nonprofits.
Assets
Down$298
Down $634 (-68%) from 2024
Liabilities
Down$2,403
Down $1,452 (-38%) from 2024
Net Assets
Up-$2,105
Up $818 (+28%) from 2024
Revenue
Up$85,034
Up $110 (+0.1%) from 2024
Expenses
Down$84,216
Down $17,708 (-17%) from 2024
Net Income
Up$818
Up $17,818 (+105%) from 2024
Most recent year
2025 • Form 990EZDetailed filing. Detailed filing data is available for this year.
Business membership organization advocates and supports members in networking and conducting business with each other as well as connecting with the community.
| Description | Grants | Expenses |
|---|---|---|
| MEETINGS, GATHERINGS, AND EDUCATION PROGRAM EXPENSES | - | - |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| Emily Winters | Executive Director | PT | $29,669 | - | $29,669 |
| Jeffrey Quinn | Treasurer | - | $0 | - | - |
| Kristopher Kozlowski | Director | - | $0 | - | - |
| Binal Patel | President | - | $0 | - | - |
| Michelle Bernstein | Director | - | $0 | - | - |
| Jennifer Kramer Dela Cruz | Director | - | $0 | - | - |
| Alex Simone | Director | - | $0 | - | - |
| Dixie Leikach | Director | - | $0 | - | - |
| Janet Garman | Director | - | $0 | - | - |
| Kate Strom | Director | - | $0 | - | - |
| Event | Gross Receipts | Gross Revenue | Direct Expenses | Net Income |
|---|---|---|---|---|
| Gala | $15,175 | $15,175 | - | $15,175 |
| Golf Outing | $11,133 | $11,133 | $972 | $10,161 |
| Total Events | $42,255 | $42,255 | $28,948 | $13,307 |
“Interest Income $1”
“Advertising and Promotion $6453”
“Office Expenses $2523”
“Information Technology $744”
“Travel $57”
“Interest $272”
“Insurance $2743”
“program expenses $10121”
“credit card fees $5280”
“website $1820”
“bank service charge $849”
“payroll fees $750”
“telephone $547”
“Credit Cards - Beginning $3855 Credit Cards - Ending $1743”
“payroll taxes - Beginning $0 payroll taxes - Ending $660”
“Information regarding personal benefit contracts: the organization did not, during the year, receive any funds, directly, or indirectly, to pay premiums on a personal benefit contract. The organization, did not, during the tax year, pay any premiums, directly, or indirectly, on a personal benefit contract.”
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/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | Jeffrey Quinn |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 4109772901 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 12110 Lamottes Ct |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | Reisterstown |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MD |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 21136 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 932 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 298 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 20432 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 0 |
| IRS990EZ/CostOrOtherBasisExpenseSaleAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 818 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 20039 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 932 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 298 |
| IRS990EZ/FundraisingGrossIncomeAmt | 0 | 42255 |
| IRS990EZ/GrossReceiptsAmt | 0 | 113982 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MembershipDuesAmt | 0 | 38426 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | -2923 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | -2105 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | -2923 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | -2105 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 20.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 9 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 29669 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 9 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | Emily Winters |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | Jeffrey Quinn |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | Kristopher Kozlowski |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | Binal Patel |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | Michelle Bernstein |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | Jennifer Kramer Dela Cruz |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | Alex Simone |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | Dixie Leikach |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | Janet Garman |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 9 | Kate Strom |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | Executive Dir. |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | Treasurer |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | President |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | Director |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 9 | Director |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 32159 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 1 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | BUSINESS MEMBERSHIP ORGANIZATION ADVOCATES AND SUPPORTS MEMBERS IN NETWORKING AND CONDUCTING BUSINESS WITH EACH OTHER AS WELL AS CONNECTING WITH THE COMMUNITY. |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 12868 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | MEETINGS, GATHERINGS, AND EDUCATION PROGRAM EXPENSES |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 32018 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SpecialEventsDirectExpensesAmt | 0 | 28948 |
| IRS990EZ/SpecialEventsNetIncomeLossAmt | 0 | 13307 |
| IRS990EZ/StatesWhereCopyOfReturnIsFldCd | 0 | MD |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 3855 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 2403 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TaxImposedOnOrganizationMgrAmt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4911Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4912Amt | 0 | 0 |
| IRS990EZ/TaxImposedUnderIRC4955Amt | 0 | 0 |
| IRS990EZ/TaxReimbursedByOrganizationAmt | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 84216 |
| IRS990EZ/TotalRevenueAmt | 0 | 85034 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | www.northwestchambermd.com |
| IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt | 0 | 28948 |
| IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm | 0 | Gala |
| IRS990ScheduleG/FundraisingEventInformationGrp/Event2Nm | 0 | Golf Outing |
| IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageOtherEventsAmt | 0 | 3467 |
| IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt | 0 | 3467 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt | 0 | 15175 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt | 0 | 11133 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsOtherEventsAmt | 0 | 15947 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt | 0 | 42255 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt | 0 | 15175 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent2Amt | 0 | 11133 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueOtherEventsAmt | 0 | 15947 |
| IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt | 0 | 42255 |
| IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt | 0 | 13307 |
| IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssOtherEventsAmt | 0 | 2893 |
| IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt | 0 | 3865 |
| IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent2Amt | 0 | 972 |
| IRS990ScheduleG/FundraisingEventInformationGrp/OtherEventsTotalCnt | 0 | 2 |
| IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent1Amt | 0 | 14036 |
| IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent2Amt | 0 | 7580 |
| IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsTotalEventsAmt | 0 | 21616 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | Interest Income $1 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | Advertising and Promotion $6453 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | Office Expenses $2523 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | Information Technology $744 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | Travel $57 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | Interest $272 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | Insurance $2743 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | program expenses $10121 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | credit card fees $5280 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | website $1820 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | bank service charge $849 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | payroll fees $750 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 12 | telephone $547 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 13 | Credit Cards - Beginning $3855 Credit Cards - Ending $1743 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 14 | payroll taxes - Beginning $0 payroll taxes - Ending $660 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 15 | INFORMATION REGARDING PERSONAL BENEFIT CONTRACTS: THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY, OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT. THE ORGANIZATION, DID NOT, DURING THE TAX YEAR, PAY ANY PREMIUMS, DIRECTLY, OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Other Revenue.1 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Other Expenses.1001 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Other Expenses.1002 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Other Expenses.1003 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Other Expenses.1005 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Other Expenses.1008 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Other Expenses.1012 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Other Expenses.1 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Other Expenses.2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Other Expenses.3 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Other Expenses.4 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | Other Expenses.5 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 12 | Other Expenses.6 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 13 | Total Liabilities.1 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 14 | Total Liabilities.2 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 15 | Form 990-EZ, Part V |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | Jeffrey Quinn |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | Treasurer |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-12-15 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | Reisterstown-Owings Mills-Glyndon |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | Chamber of Commerce |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | REIS |
| ReturnHeader/Filer/EIN | 0 | 526075914 |
| ReturnHeader/Filer/PhoneNum | 0 | 4107027073 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 10821 Red Run Blvd 1301 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | Owings Mills |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MD |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 21117 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | Jeffrey M Quinn |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 12110 Lamottes Ct |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | Reisterstown |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MD |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 21136 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 4109772901 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | Jeffrey Quinn CPA |
| ReturnHeader/ReturnTs | 0 | 2025-12-15T17:06:18-08:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-02-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2025-01-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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