CARD COALITION

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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

2000

Legal Domicile

Principal Officer

TONI BELLISSIMO

Phone

7039105280

Tax Period

2023-01-01 to 2023-12-31

CARD COALITION, founded in 2000, is a small nonprofit that reported $240K in total revenue in fiscal year 2023. Revenue fell 35% from the prior year — a significant decline worth monitoring. Expenses of $360K exceeded revenue, resulting in a 50% operating deficit.

Mission

EDUCATE STATE LEGISLATORS ON THE PAYMENT CARD INDUSTRY

Program Service Accomplishments

Program 1

SCHEDULED, SPONSORED, AND CONDUCTED MORE THAN 40 CONFERENCE CALLS TO DISCUSS STATE LEGISLATIVE ISSUES RELATED TO STATE LEGISLATIVE INTERESTS OF CARD INDUSTRY.

Program 2

ATTENDED AND PARTICIPATED IN REGIONAL AND NATIONAL MEETINGS OF PUBLIC POLICY GROUPS TO ADD INFORMATION AND EXPERT INPUT TO DISCUSSIONS OF STATE LEGISLATION ON CARD INDUSTRY ISSUES.

Program 3

THE DIRECTORS HOLD QUARTERLY, IN PERSON BOARD MEETINGS, TO DISCUSS PENDING LEGISLATION AND REGULATIONS; COORDINATE RESPONSES THEREOF AND MANAGE THE COALITION.

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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 $240,000

Investment Income $50

Other Revenue $0

TOTAL REVENUE $240,050

Expense Breakdown

Grants Paid $0

Salaries & Benefits $260,000

Fundraising Expenses $0

Other Expenses $99,764

TOTAL EXPENSES $359,764

Year-over-Year Comparison

	2023	2022	Change
Revenue	$240,050	$370,047	-0.4%
Expenses	$359,764	$285,867	+0.3%
Net Income	$-119,714	$84,180	-2.4%

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

$260,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAUL RUSSINOFF	DIRECTOR	3.50	Director	$0	$0	$0
DAVE MELCER	IMMEDIATE PAST CHAIR	3.50	Director	$0	$0	$0
VICKI HARRIS	DIRECTOR	3.50	Director	$0	$0	$0
KEVIN FINNERTY	CHAIR	3.50	Officer Director	$0	$0	$0
BETH GROSS	VICE CHAIR	3.50	Officer Director	$0	$0	$0
VICTORIA MAYER	DIRECTOR	3.50	Director	$0	$0	$0
JORDAN JESSE	DIRECTOR	3.50	Director	$0	$0	$0
MIKE DAMERON	DIRECTOR	3.50	Director	$0	$0	$0
PATRICK DWYER	DIRECTOR	3.50	Director	$0	$0	$0
ED HOLLAND	DIRECTOR	3.50	Director	$0	$0	$0
CHRISTINE SMITH	DIRECTOR	3.50	Director	$0	$0	$0
MEGAN MICHIELS	TREASURER	3.50	Officer Director	$0	$0	$0
JIM NIKOLAI	DIRECTOR	3.50	Director	$0	$0	$0
ERIN SMITH	DIRECTOR	3.50	Director	$0	$0	$0
ROB TARTAGLIA	SECRETARY	3.50	Officer Director	$0	$0	$0
CHRISTY ELLERBEE	DIRECTOR	3.50	Director	$0	$0	$0
JAMES WALTER	DIRECTOR	3.50	Director	$0	$0	$0
TONI BELLISIMO	EXECUTIVE DIRECTOR	3.50	Officer	$130,000	$0	$130,000
FRANK SALINGER	GENERAL COUNSEL	3.50	Officer	$130,000	$0	$130,000

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	$240,050	$359,764	$410,104	$-119,714
2022	$370,047	$285,867	$529,819	$84,180
2021	$318,044	$304,560	$445,791	$13,484
2020	$259,040	$286,096	$432,155	$-27,056