SECURE CASH & TRANSPORT ASSOCIATION (EIN 320399454) - 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

2013

Legal Domicile

Principal Officer

D MARK LOWERS

Phone

5403387151

Tax Period

2025-01-01 to 2025-12-31

SECURE CASH & TRANSPORT ASSOCIATION, founded in 2013, is a small nonprofit in the Mutual Benefit sector that reported $268K in total revenue in fiscal year 2018. Expenses of $313K exceeded revenue, resulting in a 16% operating deficit.

Mission

TO REPRESENT THE SHARED INTEREST OF PROFESSIONALS OR ORGANIZATIONS IN ATM SERVICING, CASH HANDLING/PROCESSING, TRANPORTATION, AND SAFE KEEPING OF CASH AND COIN THROUGHOUT NORTH AMERICA.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $328,170

Investment Income $0

Other Revenue $1,116

TOTAL REVENUE $329,286

Expense Breakdown

Grants Paid $0

Salaries & Benefits $34,992

Fundraising Expenses $0

Program Expenses $264,237

Other Expenses $246,092

TOTAL EXPENSES $281,084

Year-over-Year Comparison

	2025	2024	Change
Revenue	$329,286	$320,375	+0.0%
Expenses	$281,084	$305,208	-0.1%
Net Income	$48,202	$15,167	+2.2%

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

N/A

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
MARK LOWERS	DIRECTOR	5.00	Director	$0	$0	$0
LAURA L JONES	DIRECTOR	1.00	Director	$0	$0	$0
JASON KYD	DIRECTOR	1.00	Director	$0	$0	$0
JIM PETIT	PRESIDENT	5.00	Officer Director	$0	$0	$0
SUSAN RICCI	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH SHEA	DIRECTOR	1.00	Director	$0	$0	$0
RANDALL SHELTRA	DIRECTOR	1.00	Director	$0	$0	$0
VINCENT MODARELLI	DIRECTOR	1.00	Director	$0	$0	$0
MARIANNE CUMMINS	DIRECTOR	1.00	Director	$0	$0	$0
TODD WORTHEY	DIRECTOR	1.00	Director	$0	$0	$0
KIM TROMBLY	SECRETARY/CONFERENCE DIRECTOR	20.00	Officer Director	$0	$0	$0
LATOYA LEE	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT NORMAN	DIRECTOR	1.00	Director	$0	$0	$0
BRAD MOODY	DIRECTOR	1.00	Director	$0	$0	$0
ANTONIO PALMIOTTO	TREASURER	1.00	Officer Director	$0	$0	$0
PAUL PALUMBO	DIRECTOR	1.00	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	$329,286	$281,084	$60,699	$48,202
2024	$320,375	$305,208	$10	$15,167
2023	$274,624	$361,889	$65,167	$-87,265
2022	$300,531	$304,579	$102,891	$-4,048
2021	$59,820	$55,899	$99,577	$3,921
2020	$49,563	$55,125	$94,215	$-5,562
2019	$306,113	$386,848	$92,343	$-80,735
2018	$268,445	$312,663	$84,957	$-44,218

SECURE CASH & TRANSPORT ASSOCIATION