US FASTER PAYMENTS COUNCIL (EIN 832399912) - 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

2018

Legal Domicile

Principal Officer

REED LUHTANEN

Phone

7818766264

Tax Period

2025-01-01 to 2025-12-31

US FASTER PAYMENTS COUNCIL, founded in 2018, is a community nonprofit in the Science & Technology sector that reported $1.8M in total revenue in fiscal year 2025.

Mission

THE FASTER PAYMENTS COUNCIL (FPC) IS AN INDUSTRY-LED MEMBERSHIP ORGANIZATION WHOSE MISSION IS TO FACILITATE A WORLD-CLASS PAYMENT SYSTEM WHERE EVERY PERSON OR ORGANIZATION CAN SAFELY AND SECURELY PAY ANYONE, ANYWHERE, AT ANY TIME AND WITH NEAR-IMMEDIATE FUNDS AVAILABILITY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,754,861

Investment Income $9,716

Other Revenue $0

TOTAL REVENUE $1,764,577

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,224,713

Fundraising Expenses $0

Other Expenses $526,202

TOTAL EXPENSES $1,750,915

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,764,577	$1,745,171	+0.0%
Expenses	$1,750,915	$1,704,231	+0.0%
Net Income	$13,662	$40,940	-0.7%

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

$494,857

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REED LUHTANEN	EXECUTIVE DI	40.00	Officer	$0	$0	$494,857
ANGELA HENDERSHOTT	DIRECTOR-OPE	40.00	Highest	$0	$0	$201,520
ELIZABETH GRICE	DIRECTOR-MAR	40.00	Highest	$0	$0	$167,845
SCOTT ANCHIN	DIRECTOR	2.00	Director	$0	$0	$0
SARA ARNIO	DIRECTOR	1.00	Director	$0	$0	$0
MIKE BILSKI	DIRECTOR	3.00	Director	$0	$0	$0
ELSPETH BLOODGOOD	TREASURER	3.00	Officer Director	$0	$0	$0
JAMES COLASSANO	DIRECTOR	3.00	Director	$0	$0	$0
SOFIA FREYDER	DIRECTOR	2.00	Director	$0	$0	$0
LIZ GARNER	DIRECTOR	1.00	Director	$0	$0	$0
MARGO GILES	DIRECTOR	1.00	Director	$0	$0	$0
JOSH KAROLY	DIRECTOR	3.00	Director	$0	$0	$0
CATHY LESSER MANSFIELD	DIRECTOR	1.00	Director	$0	$0	$0
STEVE MOTT	DIRECTOR	1.00	Director	$0	$0	$0
BOOSHAN RENGACHARI	DIRECTOR	1.00	Director	$0	$0	$0
MIRIAM SHERIL	DIRECTOR	3.00	Director	$0	$0	$0
CARL SLABICKI	CHAIR	2.00	Officer Director	$0	$0	$0
PERRY STARR	VICE CHAIR	4.00	Officer Director	$0	$0	$0
PETER TAPLING	DIRECTOR	5.00	Director	$0	$0	$0
STEVE WASSERMAN	DIRECTOR	5.00	Director	$0	$0	$0
PHILLIPA WILSON	DIRECTOR	4.00	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	$1,764,577	$1,750,915	$1,515,495	$13,662
2024	$1,745,171	$1,704,231	$1,574,384	$40,940
2023	$1,753,790	$1,699,704	$1,672,877	$54,086
2022	$1,581,975	$1,432,169	$1,724,382	$149,806
2021	$1,493,667	$1,343,033	$1,256,541	$150,634
2020	$1,434,595	$1,213,190	$1,356,172	$221,405
2019	$1,442,687	$1,194,944	$1,648,046	$247,743

US FASTER PAYMENTS COUNCIL