THE PAYMENTS COALITION INC

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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

2023

Legal Domicile

Principal Officer

MICHAEL BEHM

Phone

7032471281

Tax Period

2025-01-01 to 2025-12-31

THE PAYMENTS COALITION INC, founded in 2023, is a small nonprofit that reported $302K in total revenue in fiscal year 2025. Expenses of $351K exceeded revenue, resulting in a 16% operating deficit.

Mission

THE PAYMENTS COALITION IS A CONSORTIUM OF GLOBAL PAYMENT PROCESSORS AND MONEY TRANSMITTERS WHOSE MISSION IS TO ADVOCATE ON STATE POLICY MEASURES THAT PROVIDE FOR AN INNOVATIVE, COMPETITIVE, AND SECURE PAYMENTS ECOSYSTEM IN THE UNITED STATES.

Program Service Accomplishments

Program 1

INVOLVED WITH INDUSTRY COALITION EFFORTS TO PROTECT USE OF AI IN FRAUD PROTECTION FOR FINANCIAL TRANSACTIONS.

Program 2

PREVAILED IN TENNESSEE ACCOUNT/HOLD FREEZE LEGISLATIVE EFFORTS IN TENNESSEE.

Program 3

PREVAILED AGAINST ADVERSE REMITTANCE LEGISLATION IN MULTIPLE STATES; DEFEATED ALABAMA REMITTANCE TAX LEGISLATIVE BATTLE.

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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 $302,000

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $302,000

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $350,909

TOTAL EXPENSES $350,909

Year-over-Year Comparison

	2025	2024	Change
Revenue	$302,000	$302,000	N/A
Expenses	$350,909	$235,225	+0.5%
Net Income	$-48,909	$66,775	-1.7%

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

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
LAUREN KIMZEY	CHAIR	1.00	Officer Director	$0	$0	$0
GABBY REED	SECRETARY	1.00	Officer Director	$0	$0	$0
COLLINS UDEKIGBO	TREASURER	1.00	Officer Director	$0	$0	$0
ANDREA BLINKHORN	DIRECTOR	1.00	Director	$0	$0	$0
KIMBERLY FORD	DIRECTOR	1.00	Director	$0	$0	$0
ERIC TOY	DIRECTOR	1.00	Director	$0	$0	$0
ERICA WOODS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL BEHM	EXECUTIVE DIRECTOR	1.00	Officer	$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	$302,000	$350,909	$346,840	$-48,909
2024	$302,000	$235,225	$295,251	$66,775
2023	$280,000	$168,026	$111,974	$111,974