Civic Intelligence

Digital Commerce Alliance Association

990 • Fiscal year 2017 • EIN 46-3714986

Jan 01, 2017 to Dec 31, 2017 • Filed on Jun 28, 2018

1534 Plaza Lane Suite 161Burlingame, CA 94010

(415) 741-9730

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

100th percentile

9.14x

Higher debt load relative to assets than 100% of similar nonprofits.

2017 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2017

Liabilities / Revenue

73rd percentile

0.24x

Higher debt load relative to revenue than 73% of similar nonprofits.

2017 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2017

Net Margin

28th percentile

-2.1%

Higher net margin than 28% of similar nonprofits.

2017 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2017

Top Officer Pay

40th percentile

$0

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2017 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2017

Asset Growth

1st percentile

-78%

Faster asset growth than 1% of similar nonprofits.

2017 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Revenue Growth

65th percentile

7.6%

Faster revenue growth than 65% of similar nonprofits.

2017 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2016 to 2017

Assets

Down

$25,651

Down $90,304 (-78%) from 2016

Net Assets

Down

-$208,858

Down $94,773 (-83%) from 2016

Liabilities

Up

$234,509

Up $4,469 (+1.9%) from 2016

Revenue

Up

$976,431

Up $69,181 (+7.6%) from 2016

Expenses

Up

$996,989

Up $132,666 (+15%) from 2016

Net Income

Down

-$20,558

Down $63,485 (-148%) from 2016

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$400K$200K$0-$200K-$400KAssets 2013: $95,875Liabilities 2013: $88,9382013Assets 2014: $102,000Liabilities 2014: $81,000Net Assets 2014: $21,0002014Assets 2015: $92,841Liabilities 2015: $49,853Net Assets 2015: $42,9882015Assets 2016: $115,955Liabilities 2016: $230,040Net Assets 2016: -$114,0852016Assets 2017: $25,651Liabilities 2017: $234,509Net Assets 2017: -$208,8582017Assets 2018: $145,297Liabilities 2018: $94,829Net Assets 2018: $50,4682018Assets 2019: $373,066Liabilities 2019: $152,823Net Assets 2019: $220,2432019Assets 2020: $335,011Liabilities 2020: $220,893Net Assets 2020: $114,1182020Assets 2021: $273,525Liabilities 2021: $212,826Net Assets 2021: $60,6992021Assets 2022: $169,277Liabilities 2022: $227,158Net Assets 2022: -$57,8812022

Highlighted filing

2017

Assets$25,651
Liabilities$234,509
Net Assets-$208,858

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$1.5M$1.0M$500K$0-$500KRevenue 2013: $190,000Expenses 2013: $183,063Net Income 2013: $6,9372013Revenue 2014: $414,755Expenses 2014: $467,718Net Income 2014: -$52,9632014Revenue 2015: $806,630Expenses 2015: $850,726Net Income 2015: -$44,0962015Revenue 2016: $907,250Expenses 2016: $864,323Net Income 2016: $42,9272016Revenue 2017: $976,431Expenses 2017: $996,989Net Income 2017: -$20,5582017Revenue 2018: $1,042,268Expenses 2018: $941,687Net Income 2018: $100,5812018Revenue 2019: $1,048,732Expenses 2019: $878,959Net Income 2019: $169,7732019Revenue 2020: $733,443Expenses 2020: $839,568Net Income 2020: -$106,1252020Revenue 2021: $778,563Expenses 2021: $831,982Net Income 2021: -$53,4192021Revenue 2022: $704,532Expenses 2022: $823,112Net Income 2022: -$118,5802022

Highlighted filing

2017

Revenue$976,431
Expenses$996,989
Net Income-$20,558
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jun 28, 2018
Return Version
2017v2.2
Gross Receipts
$976,431
Mission and Program Overview

Mission

To promote the growth of the card-linked industry.

The CardLinx Association promotes the growth of the card-linking industry through educational forums, interoperability services and standards.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$115,955$23,880▼ $92,075
Cap Stk Tr Prin Current Funds$5,000$5,000→ $0
Land, Buildings, and Equipment, Net-$1,771-
Savings and Temporary Cash Investments-$0-
Accounts Receivable-$0-
Other Notes and Loans Receivable, Net-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Prepaid Expenses and Deferred Charges-$0-
Rtn Earn Endowment Incm Other Fnds$-119,085$-213,858▼ $94,773
Total Assets$115,955$25,651▼ $90,304
Other Assets Total-$0-
Liabilities
Accounts Payable and Accrued Expenses$82,442$104,707▲ $22,265
Deferred Revenue$147,598$96,801▼ $50,797
Unsecured Notes Loans Payable-$33,000-
Other Liabilities-$1-
Total Liabilities$230,040$234,509▲ $4,469
Net Assets / Fund Balance
Total Net Assets Fund Balance$-114,085$-208,858▼ $94,773
Total Liabilities and Net Assets / Fund Balance$115,955$25,651▼ $90,304

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,771$348$2,119
Compensation and Service Providers

Board Members and Trustees

NameTitle
Silvio TavaresPresident
Alissa EllisDirector
Brandon LogsdonDirector
Dale McCroryDirector
Dev SubrataDirector
Jill YatesDirector
Jon CarderDirector
Jonathan SilverDirector
Ken HirschmanDirector
Kirsty RankinDirector
Mladen VladicDirector
Neal BernsteinDirector
Paul SiegfriedDirector
Satoru SuzukiDirector
Steven Van FleetDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$976,431
Investment Income
$0
Other Revenue
$0
Change in Net Assets
$-20,558
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$985,512
Salaries, Compensation, and Employee Benefits$11,477
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Fees for Services Management$356,483$39,609-$396,092
Fees for Services Other$318,079$5,168-$323,247
Conferences and Meetings$102,774--$102,774
Travel$83,546--$83,546
Occupancy$27,540$3,060-$30,600
Office Expenses$16,716$3,152-$19,868
Information Technology$10,299--$10,299
Other Salaries and Wages$9,263$1,029-$10,292
Interest$9,190--$9,190
Fees for Services Accounting-$4,600-$4,600
Payroll Taxes$1,033$115-$1,148
Other Expenses$854$150-$854
Insurance-$500-$500
Depreciation Depletion$313$35-$348
Fees for Services Legal-$144-$144
Other Employee Benefits$34$3-$37
Total Functional Expenses$939,424$57,565$0$996,989
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Rounding$1
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
Yes

Governance Explanations

Form 990, Part VI, Line 3: Description of Delegated Duties to Management Company

Total amount paid for management fees by the Association is $346,210.

Form 990, Part VI, Line 11B: Form 990 Review Process

The Form 990 is reviewed by the President of the Board and a copy is given to each Board Member.

Form 990, Part VI, Line 12C: Explanation of Monitoring and Enforcement of Conflicts

CardLinx has a written conflict of interest policy which all members of the governing body are required to review and sign. All governing body members fill out an annual conflict of interest of policy. These are reviewed by the President of the Board and any potential or perceived conflicts are disclosed, discussed and resolved by the full Board of Directors.

Form 990, Part VI, Line 15B: Compensation Review and Approval Process for Officers and Key Employees

Compensation of officers is reviewed and established by a special compensation committee of the Board. The compensation of officers or similar associations is reviewed and compared to assess fair and reasonable compensation for services provided by officers of the association.

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

Key documents are made available online at the organization's website. Other documents may be requested.

Filing and Contact Details

Filer

Filer Name
The CardLinx Association
EIN
46-3714986
Phone
4157419730
Address
1534 Plaza Lane Suite 161, Burlingame, CA 94010

Signing Officer

Name
Silvio Tavares
Title
President
Signed
2018-06-28
Discuss with paid preparer
Yes

Organization Details

Formed
2013
Legal Domicile
De
Voting Board Members
15
Independent Board Members
8
Employees
2
Volunteers
32

Preparer

Firm
One Tree Accounting
Address
325 Sharon Park Dr 449, Menlo Park, CA 94025
Preparer
Jane Mackey
Phone
6504197575
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IRS990/Desc01. Tokyo Forum Organized, recruited and programmed an event on internet and mobile commerce in Asia. 2. Dallas Forum Organized, recruited and programmed an event on reinventing retail in the mobile and multi-commerce 3. San Francisco Forum Organized, recruited and programmed an event on the Internet of Commerce Things bringing together industry leader to collaborate on new products related to the Internet of Commerce Things. 4. Zurich Forum Organized, recruited and programmed an event bringing together leading European banks, technology companies and market leaders. 5. Chicago Forum Organized, recruited and programmed an event on Retail in the Age of AI and Commerce Bots. 6. Debit Network Work Group ? Organized industry participants to collaborate and design functional requirements for Debit networks to enable Card-linked programs. 7. Merchant Reporting Task Force - Organized industry participants to deliver on industry wide need for easily generated CLO campaign and incrementality reporting for small merchants. 8. CLO Data Matching Work Group ? Organized industry participants to collaborate and design a shared database and API for matching of card-linked transactions in real time within Japan
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IRS990/InventoriesForSaleOrUseGrp/EOYAmt00
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt00
IRS990/InvestmentInJointVentureInd0false
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt00
IRS990/InvestmentsProgramRelatedGrp/EOYAmt00
IRS990/InvestmentsPubTradedSecGrp/EOYAmt00
IRS990/InvestTaxExemptBondsInd0false
IRS990/IRPDocumentCnt08
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0348
IRS990/LandBldgEquipBasisNetGrp/EOYAmt01771
IRS990/LandBldgEquipCostOrOtherBssAmt02119
IRS990/LegalDomicileStateCd0DE
IRS990/LicensedMoreThanOneStateInd0false
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0false
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0To promote the growth of the card-linked industry.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt0-114085
IRS990/NetAssetsOrFundBalancesEOYAmt0-208858
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NoListedPersonsCompensatedInd0X
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ManagementAndGeneralAmt03060
IRS990/OccupancyGrp/ProgramServicesAmt027540
IRS990/OccupancyGrp/TotalAmt030600
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt03152
IRS990/OfficeExpensesGrp/ProgramServicesAmt016716
IRS990/OfficeExpensesGrp/TotalAmt019868
IRS990/OfficerMailingAddressInd0false
IRS990/OnBehalfOfIssuerInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowSFAS117Ind0X
IRS990/OrgFiledInLieuOfForm1041Ind0false
IRS990/OtherAssetsTotalGrp/EOYAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt03
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt034
IRS990/OtherEmployeeBenefitsGrp/TotalAmt037
IRS990/OtherExpensesGrp/Desc0Business Gifts
IRS990/OtherExpensesGrp/Desc1Postage and Shipping
IRS990/OtherExpensesGrp/Desc2Work Group
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt0150
IRS990/OtherExpensesGrp/ProgramServicesAmt01952
IRS990/OtherExpensesGrp/ProgramServicesAmt11348
IRS990/OtherExpensesGrp/ProgramServicesAmt2854
IRS990/OtherExpensesGrp/TotalAmt01952
IRS990/OtherExpensesGrp/TotalAmt11498
IRS990/OtherExpensesGrp/TotalAmt2854
IRS990/OtherLiabilitiesGrp/EOYAmt01
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt01029
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt09263
IRS990/OtherSalariesAndWagesGrp/TotalAmt010292
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt00
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt0115
IRS990/PayrollTaxesGrp/ProgramServicesAmt01033
IRS990/PayrollTaxesGrp/TotalAmt01148
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt00
IRS990/PriorPeriodAdjustmentsAmt0-74215
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0Best Practices Database
IRS990/ProgramServiceRevenueGrp/Desc1Meeting Registration Fees
IRS990/ProgramServiceRevenueGrp/Desc2Newsletter and E-Publicat
IRS990/ProgramServiceRevenueGrp/Desc3Provider Certification
IRS990/ProgramServiceRevenueGrp/Desc4Technical Standards
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0275000
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt140480
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt2225000
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt35000
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt4430951
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0275000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt140480
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt2225000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt35000
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt4430951
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0864323
IRS990/PYProgramServiceRevenueAmt0907250
IRS990/PYRevenuesLessExpensesAmt042927
IRS990/PYTotalExpensesAmt0864323
IRS990/PYTotalRevenueAmt0907250
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt0-20558
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt0976431
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0-119085
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0-213858
IRS990/SavingsAndTempCashInvstGrp/EOYAmt00
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt01771
IRS990ScheduleD/EquipmentGrp/DepreciationAmt0348
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt02119
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0Rounding
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01771
IRS990ScheduleD/TotalLiabilityAmt01
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Total amount paid for management fees by the Association is $346,210.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Form 990 is reviewed by the President of the Board and a copy is given to each Board Member.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CardLinx has a written conflict of interest policy which all members of the governing body are required to review and sign. All governing body members fill out an annual conflict of interest of policy. These are reviewed by the President of the Board and any potential or perceived conflicts are disclosed, discussed and resolved by the full Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Compensation of officers is reviewed and established by a special compensation committee of the Board. The compensation of officers or similar associations is reviewed and compared to assess fair and reasonable compensation for services provided by officers of the association.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Key documents are made available online at the organization's website. Other documents may be requested.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Line 3: Description of Delegated Duties to Management Company
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 12c: Explanation of Monitoring and Enforcement of Conflicts
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 15b: Compensation Review and Approval Process for Officers and Key Employees
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0true
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxableDistributionsInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0115955
IRS990/TotalAssetsEOYAmt025651
IRS990/TotalAssetsGrp/BOYAmt0115955
IRS990/TotalAssetsGrp/EOYAmt025651
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt02
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt057565
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0939424
IRS990/TotalFunctionalExpensesGrp/TotalAmt0996989
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0230040
IRS990/TotalLiabilitiesEOYAmt0234509

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