NATIONAL AUTOMATED CLEARING HOUSE ASSOCIATION (EIN 237451693) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1974

Legal Domicile

Principal Officer

JANE E LARIMER

Phone

7035613933

Tax Period

2023-01-01 to 2023-12-31

NATIONAL AUTOMATED CLEARING HOUSE ASSOCIATION, founded in 1974, is a mid-sized nonprofit that reported $21.9M in total revenue in fiscal year 2018. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $20.8M left a modest 5% surplus.

Mission

NACHA GOVERNS THE ACH NETWORK, THE PAYMENT SYSTEM THAT DRIVES DIRECT DEPOSITS AND DIRECT PAYMENTS WITH THE CAPABILITY TO REACH ALL U.S. FINANCIAL INSTITUTION ACCOUNTS. NACHA IS MEMBERSHIP ORGANIZATION AND PROVIDES PAYMENTS EDUCATION, ACCREDITATION & ADVISORY SERVICES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $24,532,460

Investment Income $36,290

Other Revenue $2,248,588

TOTAL REVENUE $26,817,338

Expense Breakdown

Grants Paid $0

Salaries & Benefits $15,196,390

Fundraising Expenses $0

Other Expenses $10,867,091

TOTAL EXPENSES $26,063,481

Year-over-Year Comparison

	2023	2022	Change
Revenue	$26,817,338	$24,954,115	+0.1%
Expenses	$26,063,481	$23,801,273	+0.1%
Net Income	$753,857	$1,152,842	-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

100

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

$1,422,930

Total Directors

Key Employees

$1,115,444

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE HUSSEY	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
LAURA LISTWAN	VICE CHAIRPERSON	2.00	Officer Director	$0	$0	$0
TINA KNAPP	SECRETARY/TREASURER	2.00	Officer Director	$0	$0	$0
MARLENE BARKHEIMER	DIRECTOR	2.00	Director	$0	$0	$0
SARAH BILLINGS	DIRECTOR	2.00	Director	$0	$0	$0
LISA COFFEY	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH CRONENWORTH	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTOPHER RICHARDS	DIRECTOR	2.00	Director	$0	$0	$0
VIKRAM ISRANI	DIRECTOR	2.00	Director	$0	$0	$0
STEPHEN MAX	DIRECTOR	2.00	Director	$0	$0	$0
ARTHUR MCCRAY	DIRECTOR	2.00	Director	$0	$0	$0
TIM MILLS	DIRECTOR	2.00	Director	$0	$0	$0
PHIL PICILLO	DIRECTOR	2.00	Director	$0	$0	$0
CARL SLABICKI	DIRECTOR	2.00	Director	$0	$0	$0
TYNIKA WILSON	DIRECTOR	2.00	Director	$0	$0	$0
JOSEPH WOOD	DIRECTOR	2.00	Director	$0	$0	$0
HANK WORD	DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER DENOO	DIRECTOR	2.00	Director	$0	$0	$0
JANE LARIMER	CEO AND PRESIDENT	40.00	Officer	$1,097,369	$43,725	$1,141,094
ROXANNE ORTICKE	CHIEF FINANCIAL OFFICER	40.00	Officer	$234,258	$47,578	$281,836
SCOTT LANG	CHIEF OF STAFF	40.00	Key Emp	$377,863	$45,445	$423,308
MICHAEL HERD	VICE PRESIDENT, ACH NETWORK ADMINISTRATION	40.00	Key Emp	$357,584	$52,787	$410,371
STEPHANIE PREBISH	MANAGING DIRECTOR, ASSOCIATION SERVICES	40.00	Key Emp	$248,892	$32,873	$281,765
NICK HAMADE	CHIEF TECHNOLOGY OFFICER	40.00	Highest	$312,916	$52,381	$365,297
GEORGE THROCKMORTOM	MANAGING DIRECTOR, STRATIC INITIATIVES & NETWORK D	40.00	Highest	$241,952	$36,395	$278,347
JEANETTE BLANCO	GENERAL COUNSEL	30.00	Highest	$174,747	$21,924	$196,671
WILLIAM SULLIVAN	ASSOCIATE MANAGING DIR. GOV. & INSUTRY RELATIONS	40.00	Highest	$257,483	$33,695	$291,178
VICTORIA DAY	CHIEF COMMUNICATIONS OFFICER	40.00	Highest	$250,016	$40,360	$290,376

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	$26,817,338	$26,063,481	$27,940,948	$753,857
2022	$24,954,115	$23,801,273	$27,315,213	$1,152,842
2021	$23,028,572	$20,895,219	$25,037,618	$2,133,353
2020	$22,665,236	$20,498,676	$22,849,774	$2,166,560
2019	$23,616,643	$22,046,071	$22,073,513	$1,570,572
2018	$21,946,672	$20,819,430	$19,890,052	$1,127,242

NATIONAL AUTOMATED CLEARING HOUSE ASSOCIATION