THE NEW ENGLAND AUTOMATED CLEARING HOUSE ASSOCIATION (EIN 042514013) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1972

Legal Domicile

Principal Officer

SEAN CARTER

Phone

7813211011

Tax Period

2024-01-01 to 2024-12-31

THE NEW ENGLAND AUTOMATED CLEARING HOUSE ASSOCIATION, founded in 1972, is a community nonprofit that reported $3.8M in total revenue in fiscal year 2024.

Mission

THE NEW ENGLAND AUTOMATED CLEARING HOUSE ASSOCIATION IS A NONPROFIT ASSOCIATION THAT HELPS MEMBERS ORIGINATE AND RECEIVE ACH TRANSACTIONS, AND PROVIDES PRODUCTS, SERVICES, EDUCATION AND MARKETING TO INCREASE THE ACCEPTANCE, USE AND QUALITY OF ELECTRONIC TRANSACTIONS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $467,900

Program Service Revenue $3,149,539

Investment Income $132,726

Other Revenue $0

TOTAL REVENUE $3,750,165

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,236,190

Fundraising Expenses $0

Other Expenses $1,615,034

TOTAL EXPENSES $3,851,224

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,750,165	$3,847,671	0.0%
Expenses	$3,851,224	$3,873,429	0.0%
Net Income	$-101,059	$-25,758	+2.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$889,108

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SEAN LYNDON	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT GOLDTHWAITE	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT AMBROCEO	TREASURER/DIRECTOR	1.00	Officer Director	$0	$0	$0
ROBERT CASHMAN	DIRECTOR	1.00	Director	$0	$0	$0
PAUL CONNER	DIRECTOR	1.00	Director	$0	$0	$0
NEIL MCHUGH	DIRECTOR	1.00	Director	$0	$0	$0
ANGELA STROZEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN ROY	CHAIR (RETIRED)	1.00	Officer Director	$0	$0	$0
LINDA CARMICHAEL	DIRECTOR	1.00	Director	$0	$0	$0
KERI GONZALEZ	DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN ROBERTS	DIRECTOR	1.00	Director	$0	$0	$0
JOHN WHITTAKER	CHAIR	1.00	Officer Director	$0	$0	$0
JEANNINE HARDY	DIRECTOR	1.00	Director	$0	$0	$0
JAMES RUSIECKI JR	VICE CHAIR	1.00	Officer Director	$0	$0	$0
BARBARA HEINEMANN	DIRECTOR	1.00	Director	$0	$0	$0
MEGAN NORRIS	DIRECTOR	1.00	Director	$0	$0	$0
STEVE SHERMAN	SECRETARY/DIRECTOR	1.00	Officer Director	$0	$0	$0
BRANDIE THACKER	SR. VICE PRESIDENT	40.00	Officer	$112,576	$14,379	$126,955
SEAN CARTER	PRESIDENT & CEO	40.00	Officer	$296,663	$62,303	$358,966
JOSEPH CASALI	EVP	40.00	Officer	$214,462	$54,383	$268,845
MEAGAN E NORLUND	VP & ASST. SECRETARY	40.00	Officer	$110,874	$23,468	$134,342
MARY MORRISON-MUMPER	DIRECTOR, EDUCATION	40.00	Highest	$116,031	$24,243	$140,274
ELYSSA F MORGAN	VP OF MEMBERSHIP	40.00	Highest	$116,274	$42,674	$158,948
NICOLE DOWD	DIR, RISK MGMT, HR & ADMIN	40.00	Highest	$111,657	$13,061	$124,718

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$3,750,165	$3,851,224	$4,776,697	$-101,059
2023	$3,847,671	$3,873,429	$4,520,095	$-25,758
2022	$3,678,470	$3,407,464	$4,748,428	$271,006
2021	$3,571,181	$3,120,069	$4,284,125	$451,112
2020	$3,368,138	$3,081,118	$3,838,453	$287,020
2019	$3,422,561	$3,558,254	$3,639,445	$-135,693
2018	$3,407,968	$3,193,107	$3,657,855	$214,861

THE NEW ENGLAND AUTOMATED CLEARING HOUSE ASSOCIATION