MERCHANT RISK COUNCIL (EIN 134142147) - 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

2000

Legal Domicile

Principal Officer

JULIE FERGERSON

Phone

2063642789

Tax Period

2024-07-01 to 2025-06-30

MERCHANT RISK COUNCIL, founded in 2000, is a mid-sized nonprofit in the Community Improvement sector that reported $11.3M in total revenue in fiscal year 2024.

Mission

BE THE GO-TO PLACE FOR ECOMMERCE PAYMENT AND FRAUD PROFESSIONALS GLOBALLY.

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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 $0

Program Service Revenue $10,984,334

Investment Income $277,328

Other Revenue $0

TOTAL REVENUE $11,261,662

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,025,829

Fundraising Expenses $0

Other Expenses $5,428,764

TOTAL EXPENSES $11,454,593

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,261,662	$10,590,885	+0.1%
Expenses	$11,454,593	$10,876,406	+0.1%
Net Income	$-192,931	$-285,521	-0.3%

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

$614,337

Total Directors

Key Employees

$262,558

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHEAL EGAN	CO-CHAIR (THRU 1/25)	4.00	Officer Director	$0	$0	$0
LEE CLIFTON	CO-CHAIR	4.00	Officer Director	$0	$0	$0
STUART MANN	TREASURER	2.00	Officer Director	$0	$0	$0
NATALIE DUNNE	SECRETARY	2.00	Officer Director	$0	$0	$0
SAM ANSON	BOARD MEMBER	2.00	Director	$0	$0	$0
BRIGETTE KORNEY	BOARD MEMBER	2.00	Director	$0	$0	$0
KEVIN LEE	BOARD MEMBER	2.00	Director	$0	$0	$0
AMANDA MICKLEBURGH	BOARD MEMBER(THRU 6/25)	2.00	Director	$0	$0	$0
KRISTEN MORROW-GREVEN	BOARD MEMBER	2.00	Director	$0	$0	$0
DAVE SENCI	BOARD MEMBER	2.00	Director	$0	$0	$0
TINA VANBRUNT	BOARD MEMBER	2.00	Director	$0	$0	$0
JULIE FERGERSON	CHIEF EXECUTIVE OFFICER	40.00	Officer	$381,516	$28,549	$410,065
JULIE LYNCH	VP, FINANCE & ADMINISTRATION	40.00	Officer	$195,947	$8,325	$204,272
TRACY BROWN	VP, PROGRAMS & TECHNOLOGY	40.00	Key Emp	$252,380	$10,178	$262,558
RHIANNA COLLIER	VP, MEMBERSHIP & EVENTS	40.00	Highest	$219,085	$23,386	$242,471
KEITH BRISCOE	VP, ADVOCACY	40.00	Highest	$193,973	$25,961	$219,934
LAURA LIVELY	SR. DIR., CONF & WEB. PROGRAM	40.00	Highest	$169,707	$17,273	$186,980
DAFYD JONES	DIRECTOR, TECHNOLOGY & INNOVATION	40.00	Highest	$167,836	$24,385	$192,221
MICHAEL DESANTIS	SENIOR MANAGER, PROJECTS & PROCESS	40.00	Highest	$162,008	$24,237	$186,245

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
2025	$11,261,662	$11,454,593	$7,792,025	$-192,931
2024	$10,590,885	$10,876,406	$8,125,681	$-285,521
2023	$9,392,237	$9,430,673	$7,911,700	$-38,436
2022	$9,175,290	$7,664,147	$7,574,698	$1,511,143
2021	$3,889,563	$3,959,458	$6,892,922	$-69,895
2020	$3,590,781	$4,451,070	$7,545,593	$-860,289
2019	$7,428,264	$6,596,733	$7,699,962	$831,531
2018	$7,326,641	$6,538,064	$5,722,483	$788,577

MERCHANT RISK COUNCIL