EPCOR

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1974

Legal Domicile

Principal Officer

CHRIS RICHARDSON CPA

Phone

8164745630

Tax Period

2023-01-01 to 2023-12-31

EPCOR, founded in 1974, is a community nonprofit that reported $7.1M in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $6.4M left a modest 9% surplus.

Mission

TRADE ASSOCIATION RESPONSIBLE FOR PROVIDING PAYMENT SYSTEMS AND RISK MANAGEMENT EDUCATION, SUPPORT AND INDUSTRY LEADERSHIP. EPCOR SERVES MORE THAN 2,300 FINANCIAL INSTITUTION AND CORPORATE MEMBERS THROUGHOUT ARKANSAS, ILLINOIS, INDIANA, IOWA, KANSAS, KENTUCKY, MISSOURI, NEBRASKA, OKLAHOMA, OHIO, PENNSYLVANIA AND WEST VIRGINIA.

Program Service Accomplishments

Program 1

ASSOCIATION FOR APPROXIMATELY 2,300 FINANCIAL INSTITUTIONS, WHICH CONDUCTS CONFERENCES, SEMINARS, AND WORKSHOPS ON ELECTRONIC TRANSACTIONS BETWEEN FINANCIAL INSTITUTIONS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $6,199,526

Investment Income $56,158

Other Revenue $802,955

TOTAL REVENUE $7,058,639

Expense Breakdown

Grants Paid $0

Salaries & Benefits $4,561,577

Fundraising Expenses $0

Other Expenses $1,834,551

TOTAL EXPENSES $6,396,128

Year-over-Year Comparison

	2023	2022	Change
Revenue	$7,058,639	$6,202,831	+0.1%
Expenses	$6,396,128	$5,906,955	+0.1%
Net Income	$662,511	$295,876	+1.2%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$1,210,319

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN DOYLE	PRESIDENT & CEO	37.50	Officer	$317,505	$48,079	$365,584
NICOLE PAYNE	VICE PRESIDENT, ADVISORY S	37.50	Officer	$197,183	$43,029	$240,212
BRANDIE THACKER	VICE PRESIDENT, COMMUNICAT	37.50	Officer	$127,729	$34,703	$162,432
JAMES CARRICK	VICE PRESIDENT, EDUCATION	37.50	Officer	$144,904	$21,546	$166,450
BRIAN DAO	VICE PRESIDENT, INDUSTRY/BUSINESS RELATIONS	37.50	Officer	$100,905	$5,260	$106,165
CHRIS RICHARDSON	DIRECTOR/FINANCE & ADMINIS	37.50	Officer	$134,556	$34,920	$169,476
MARLENE BARKHEIMER	CHAIR	1.00	Officer Director	$0	$0	$0
PAULA BARRINGTON	VICE CHAIR	1.00	Officer Director	$0	$0	$0
TRISTAN THOMPSON	SECRETARY/TREASURER	1.00	Officer Director	$0	$0	$0
TAMMY CANTRELL	DIRECTOR	1.00	Director	$0	$0	$0
KAY DUGGER	DIRECTOR	1.00	Director	$0	$0	$0
DENISE DEROUSSE	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL R FENNELL	DIRECTOR	1.00	Director	$0	$0	$0
LARRY D TAFT	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS HAWK	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL DEBROECK	DIRECTOR	1.00	Director	$0	$0	$0
CHERYL KENDRICK	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN MUSSER	DIRECTOR	1.00	Director	$0	$0	$0
PETER MCVEY	DIRECTOR	1.00	Director	$0	$0	$0
SUZY MORRIS	DIRECTOR	1.00	Director	$0	$0	$0
PAT THELEN	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE BLAKE	DIRECTOR	1.00	Director	$0	$0	$0
BETH CRONENWETH	DIRECTOR	1.00	Director	$0	$0	$0
BARRY GIDEON	DIRECTOR	1.00	Director	$0	$0	$0
ERICA HASKINS	DIRECTOR	1.00	Director	$0	$0	$0
KATHERINE MITCHELL	DIRECTOR	1.00	Director	$0	$0	$0
KIM ROBINS	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
2024	No data	No data	No data	No data
2023	$7,058,639	$6,396,128	$5,174,747	$662,511
2022	$6,202,831	$5,906,955	$4,418,086	$295,876
2021	$5,917,299	$4,818,380	$3,952,055	$1,098,919
2020	$5,194,210	$5,082,513	$2,784,644	$111,697
2019	$4,980,129	$5,389,975	$2,713,581	$-409,846
2018	$4,753,180	$4,737,461	$3,179,729	$15,719