RETAIL GIFT CARD ASSOCIATION (EIN 263840210) - 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

2008

Legal Domicile

Principal Officer

PETER DAVISON

Phone

9529287477

Tax Period

2022-07-01 to 2023-06-30

RETAIL GIFT CARD ASSOCIATION, founded in 2008, is a small nonprofit in the Mutual Benefit sector that reported $990K in total revenue in fiscal year 2022. Revenue surged 31% from the prior year, signaling strong growth momentum. The organization ran a surplus of $305K, a strong 31% operating margin.

Mission

RGCA IS A TRADE ASSOCIATION COMPRISED OF DIVERSE, CLOSED LOOP GIFT CARD RETAILERS COMMITTED TO PROMOTING AND PROTECTING THE USE OF GIFT CARDS BY PROMOTING BEST PRACTICE STANDARDS TO HELP THE INDUSTRY GROW. RGCA ACCOMPLISHES ITS MISSION AND GOALS THROUGH THE WORK OF VARIOUS COMMITTEES. THESE COMMITTEES ARE A COMMUNICATIONS COMMITTEE, A KNOWLEDGE COMMITTEE AND A MEMBERSHIP COMMITTEE.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $988,585

Investment Income $1,641

Other Revenue $0

TOTAL REVENUE $990,226

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $496,428

Other Expenses $685,435

TOTAL EXPENSES $685,435

Year-over-Year Comparison

	2022	2021	Change
Revenue	$990,226	$755,816	+0.3%
Expenses	$685,435	$905,721	-0.2%
Net Income	$304,791	$-149,905	-3.0%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LESA HERNANDEZ	TREASURER	5.00	Officer Director	$0	$0	$0
STEVE BRADBERY	DIRECTOR	2.00	Director	$0	$0	$0
MARINA HODGES	DIRECTOR	2.00	Director	$0	$0	$0
LAURA PARKER	CHAIR	5.00	Officer Director	$0	$0	$0
CATHERINE EASTERLING	DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER MAPLES	DIRECTOR	2.00	Director	$0	$0	$0
BENITA JOHNSON	DIRECTOR	2.00	Director	$0	$0	$0
STEVE KANE	DIRECTOR	2.00	Director	$0	$0	$0
ERIC OLSEN	DIRECTOR	2.00	Director	$0	$0	$0
ERIN WOOD	CHAIR EMERITUS	5.00	Officer Director	$0	$0	$0
ARMINEH SARKISSIAN	DIRECTOR	2.00	Director	$0	$0	$0
PETER DAVIDSON	VICE CHAIR	5.00	Officer Director	$0	$0	$0
ABBY TEIGLAND	DIRECTOR	2.00	Director	$0	$0	$0
JEFF WEATHERLY	DIRECTOR	2.00	Director	$0	$0	$0
MARTHA WEAVER	DIRECTOR	2.00	Director	$0	$0	$0
ROBYN WENTZEL	DIRECTOR	2.00	Director	$0	$0	$0
ROSS KLINE	DIRECTOR	2.00	Director	$0	$0	$0

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$990,226	$685,435	$765,777	$304,791
2022	$755,816	$905,721	$532,082	$-149,905
2021	$376,825	$267,511	$734,061	$109,314
2020	$906,680	$786,168	$572,027	$120,512
2019	$836,642	$648,755	$757,403	$187,887

RETAIL GIFT CARD ASSOCIATION