SMART CARD ALLIANCE INC (EIN 521833549) - 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

1993

Legal Domicile

Principal Officer

CHRISTINA HULKA

Phone

6502602387

Tax Period

2024-07-01 to 2025-06-30

SMART CARD ALLIANCE INC, founded in 1993, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year.

Mission

THE ORGANIZATION PROVIDES A FORUM TO BRING NEW TECHNOLOGIES AND MEMBERS TOGETHER WHILE PROMOTING THE INDUSTRY'S BENEFITS

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,339,865

Investment Income $0

Other Revenue $309

TOTAL REVENUE $1,340,174

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $1,426,246

TOTAL EXPENSES $1,426,246

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,340,174	$1,472,835	-0.1%
Expenses	$1,426,246	$1,821,598	-0.2%
Net Income	$-86,072	$-348,763	-0.8%

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
JATIN DESHPANDE	CO-CHAIRMAN	2.00	Officer Director	$0	$0	$0
MANISH NATHWANI	CO-CHAIRMAN	2.00	Officer Director	$0	$0	$0
SOUMYA CHAKRABARTY	VICE CHAIR	2.00	Officer Director	$0	$0	$0
ITAI SELA	TECHNOLOGY VICE-CHAIR	2.00	Officer Director	$0	$0	$0
FRANCINE DUBOIS	SECRETARY	2.00	Officer Director	$0	$0	$0
DAVID TRUE	TREASURER	2.00	Officer Director	$0	$0	$0
CHRISTINA HULKA	EXECUTIVE DIRECTOR	40.00	Officer Director	$0	$0	$0
DAVID DEKOZAN	DIRECTOR	2.00	Director	$0	$0	$0
ELINOR SMITH	DIRECTOR	2.00	Director	$0	$0	$0
JOSE CORREA	DIRECTOR	2.00	Director	$0	$0	$0
LAUREN HELT	DIRECTOR	2.00	Director	$0	$0	$0
KERI CRANE	DIRECTOR	2.00	Director	$0	$0	$0
JOE VASTERLING	DIRECTOR	2.00	Director	$0	$0	$0
ANDREAS AABYE	DIRECTOR	2.00	Director	$0	$0	$0
SECKIN YILGOREN	DIRECTOR	2.00	Director	$0	$0	$0
SRUTI JAIN	DIRECTOR	2.00	Director	$0	$0	$0
ROBERTO CARDENAS	DIRECTOR	2.00	Director	$0	$0	$0
SARAH WALSH	DIRECTOR	2.00	Director	$0	$0	$0
BERKE BAYDU	DIRECTOR	2.00	Director	$0	$0	$0
KELLY HAREN	DIRECTOR	2.00	Director	$0	$0	$0
HEATHER HATCH	DIRECTOR	2.00	Director	$0	$0	$0
PHIL DAVIDSON	DIRECTOR	2.00	Director	$0	$0	$0
KARAN PURI	DIRECTOR	2.00	Director	$0	$0	$0
TERESA WU	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	$1,340,174	$1,426,246	$262,158	$-86,072
2024	$1,469,443	$1,821,598	$287,357	$-352,155
2023	$1,351,603	$1,822,009	$781,414	$-470,406
2022	$1,709,232	$1,753,192	$1,338,697	$-43,960
2021	$1,491,034	$995,164	$1,371,713	$495,870
2020	$1,807,018	$1,768,072	$712,354	$38,946
2019	$1,993,732	$2,486,914	$645,271	$-493,182
2018	$2,291,865	$2,639,022	$1,154,862	$-347,157

SMART CARD ALLIANCE INC