EPAYRESOURCES

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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

1974

Legal Domicile

Principal Officer

VITO CIRACI JR

Phone

2144384508

Tax Period

2023-01-01 to 2023-12-31

EPAYRESOURCES, founded in 1974, is a community nonprofit that reported $5.7M in total revenue in fiscal year 2023.

Mission

EPAY IS A LEADER IN EDUCATION OF ELECTRONIC PAYMENTS SYSTEMS AND PROCESSES TO MEMBER BANKS, CREDIT UNIONS AND AFFILIATE ORGANIZATIONS. SEMINARS AND WORKSHOPS ALSO OFFER MEMBERS OPPORTUNITIES TO EXCHANGE IDEAS TO FURTHER EPAYRESOURCES' EDUCATIONAL PURPOSE.

Program Service Accomplishments

Program 1

WORKSHOPS AND SEMINARS SUPPORT THE EDUCATIONAL NEEDS OF ITS MEMBERS2 CONFERENCES - 373 ATTENDEES526 ATTENDEES AMONG WEBINARS1,156 ATTENDEES AMONG CLASSES/WORKSHOPS3,746 ENROLLEES IN ON DEMAND...

WORKSHOPS AND SEMINARS SUPPORT THE EDUCATIONAL NEEDS OF ITS MEMBERS2 CONFERENCES - 373 ATTENDEES526 ATTENDEES AMONG WEBINARS1,156 ATTENDEES AMONG CLASSES/WORKSHOPS3,746 ENROLLEES IN ON DEMAND LEARNING PLATFORM

Program 2

PUBLICATION SALES EDUCATE AND ASSIST MEMBER AND NON-MEMBER ORGANIZATIONS IN THE AREAS OF ACH AND OTHER ELECTRONIC PAYMENTS.9,427 PUBLICATIONS SOLD

Program 3

RISK MANAGEMENT EVENTS INFORM MEMBERS OF ISSUES RELATING TO BANK SECURITY AND FRAUDULENT ACTIVITIES. 1 FINANCIAL CRIME SYMPOSIUM EVENT - 142 ATTENDEES32 FRAUD COMMITTEE MEETINGS - 583 ATTENDEES

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $5,182,258

Investment Income $199,960

Other Revenue $268,578

TOTAL REVENUE $5,650,796

Expense Breakdown

Grants Paid $0

Salaries & Benefits $3,621,391

Fundraising Expenses $0

Other Expenses $2,376,776

TOTAL EXPENSES $5,998,167

Year-over-Year Comparison

	2023	2022	Change
Revenue	$5,650,796	$5,510,975	+0.0%
Expenses	$5,998,167	$5,642,865	+0.1%
Net Income	$-347,371	$-131,890	+1.6%

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

$959,261

Total Directors

Key Employees

$675,472

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN ORY	CHAIR	0.25	Officer Director	$0	$0	$0
JAMES FLAIG	VICE CHAIR	0.25	Officer Director	$0	$0	$0
JAMES FRANKEBERGER	TREASURER	0.25	Officer Director	$0	$0	$0
GAIL ENDA	SECRETARY	0.25	Officer Director	$0	$0	$0
RHONDA PAVLICEK	IMM PAST CHAIR	0.25	Officer Director	$0	$0	$0
MARTIN BELL	DIRECTOR	0.25	Director	$0	$0	$0
CHRIS GUARD	DIRECTOR	0.25	Director	$0	$0	$0
TANYA ROMERO	DIRECTOR	0.25	Director	$0	$0	$0
TOM MORENO	DIRECTOR	0.25	Director	$0	$0	$0
MELISSA THOMAS	DIRECTOR	0.25	Director	$0	$0	$0
TIM THORSON	DIRECTOR	0.25	Director	$0	$0	$0
ALICIA TREADWAY	DIRECTOR	0.25	Director	$0	$0	$0
DANNY WEEMS	DIRECTOR	0.25	Director	$0	$0	$0
JESSICA WASHINGTON	ADVISORY DIRECTOR	0.25	Director	$0	$0	$0
PETER DAVEY	ADVISORY DIRECTOR	0.25	Director	$0	$0	$0
PETER TAPLING	ADVISORY DIRECTOR	0.25	Director	$0	$0	$0
ERIK VANBRAMER	ADVISORY DIRECTOR	0.25	Director	$0	$0	$0
LAURA STEELE	CEO (RETIRED 05/31/2023)	40.00	Officer	$420,203	$47,324	$467,527
JEFF FOOTE	CEO/PRESIDENT	40.00	Officer	$245,231	$49,015	$294,246
VITO CIRACI	SVP, FINANCE & ADMIN	40.00	Officer	$169,346	$28,142	$197,488
TRACY MARSHALL	SVP, OPERATIONS & IT	40.00	Key Emp	$175,091	$32,426	$207,517
TIMOTHY QUISENBERRY	PRESIDENT, SUBSIDIARY	40.00	Key Emp	$242,203	$38,510	$280,713
TRACY MERRITT	SVP, SUBSIDIARY	40.00	Key Emp	$153,206	$34,036	$187,242
STEPHANIE TISCH	SVP, MARKETING & EVENTS	40.00	Highest	$125,487	$23,209	$148,696
WANDA DOWNS	SVP, EDUCATION	40.00	Highest	$125,230	$21,517	$146,747
YASMIN PORCARO	SVP, MEMBER & INDUSTRY	40.00	Highest	$118,075	$34,288	$152,363
CRISSY TERRY	VP, SUBSIDIARY	40.00	Highest	$115,005	$29,922	$144,927
ANNE MARIE LEAKE	VP, MARKETING	40.00	Highest	$108,343	$33,475	$141,818

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	No data	No data	No data	No data
2023	$5,650,796	$5,998,167	$12,707,617	$-347,371
2022	$5,510,975	$5,642,865	$12,283,589	$-131,890
2021	$5,186,876	$4,886,821	$11,055,995	$300,055
2020	$5,216,509	$4,445,177	$9,626,512	$771,332
2019	$5,263,225	$4,515,640	$7,793,382	$747,585
2018	$5,371,484	$4,656,352	$6,067,109	$715,132