Civic Intelligence

MID-Atlantic Clearing House

990 • Fiscal year 2015 • EIN 52-1051341

Jan 01, 2015 to Dec 31, 2015 • Filed on Jul 29, 2016

Organization ProfileWWW.MACHA.ORG
1344 Ashton Road Rm/Ste 202Hanover, MD 21076

(410) 859-0090

Siviq Scores

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

Liabilities / Assets

18th percentile

0.01x

Higher debt load relative to assets than 18% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Liabilities / Revenue

21st percentile

0.03x

Higher debt load relative to revenue than 21% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Net Margin

65th percentile

7.2%

Higher net margin than 65% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Top Officer Pay

63rd percentile

$173,307

Higher top officer pay than 63% of similar nonprofits.

Top officer pay equals 12.7% of source-year revenue.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2015

Asset Growth

51st percentile

2.7%

Faster asset growth than 51% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Revenue Growth

42nd percentile

1.6%

Faster revenue growth than 42% of similar nonprofits.

2015 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2014 to 2015

Balance Sheet
Liabilities / Assets18th percentile

Assets

Up

$3,300,460

Up $88,294 (+2.7%) from 2014

Net Assets

Up

$3,263,049

Up $98,448 (+3.1%) from 2014

Liabilities

Down

$37,411

Down $10,154 (-21%) from 2014

Revenue And Expenses
Liabilities / Revenue21st percentileNet Margin65th percentile

Revenue

Up

$1,368,390

Up $22,103 (+1.6%) from 2014

Expenses

Up

$1,269,942

Up $80,002 (+6.7%) from 2014

Net Income

Down

$98,448

Down $57,899 (-37%) from 2014

Historical Trend

Balance Sheet Trend

Asset Growth51st percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2011: $2,784,644Liabilities 2011: $23,251Net Assets 2011: $2,761,3932011Assets 2012: $2,938,447Liabilities 2012: $23,890Net Assets 2012: $2,914,5572012Assets 2013: $3,046,034Liabilities 2013: $37,780Net Assets 2013: $3,008,2542013Assets 2014: $3,212,166Liabilities 2014: $47,565Net Assets 2014: $3,164,6012014Assets 2015: $3,300,460Liabilities 2015: $37,411Net Assets 2015: $3,263,0492015Assets 2016: $3,409,966Liabilities 2016: $52,376Net Assets 2016: $3,357,5902016Assets 2017: $3,602,397Liabilities 2017: $47,893Net Assets 2017: $3,554,5042017Assets 2018: $3,652,426Liabilities 2018: $63,827Net Assets 2018: $3,588,5992018Assets 2019: $3,797,508Liabilities 2019: $52,237Net Assets 2019: $3,745,2712019Assets 2020: $5,335,398Liabilities 2020: $462,824Net Assets 2020: $4,872,5742020Assets 2021: $5,873,780Liabilities 2021: $438,940Net Assets 2021: $5,434,8402021Assets 2022: $6,550,728Liabilities 2022: $745,104Net Assets 2022: $5,805,6242022Assets 2023: $7,020,064Liabilities 2023: $776,683Net Assets 2023: $6,243,3812023Assets 2024: $7,409,655Liabilities 2024: $812,547Net Assets 2024: $6,597,1082024

Highlighted filing

2015

Assets$3,300,460
Liabilities$37,411
Net Assets$3,263,049
Open 2015 Filing

Operations Trend

Revenue Growth42nd percentile

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

$4.0M$3.0M$2.0M$1.0M$0Expenses 2011: $1,095,0542011Expenses 2012: $1,098,9062012Revenue 2013: $1,250,334Expenses 2013: $1,156,637Net Income 2013: $93,6972013Revenue 2014: $1,346,287Expenses 2014: $1,189,940Net Income 2014: $156,3472014Revenue 2015: $1,368,390Expenses 2015: $1,269,942Net Income 2015: $98,4482015Revenue 2016: $1,357,546Expenses 2016: $1,263,005Net Income 2016: $94,5412016Revenue 2017: $1,378,860Expenses 2017: $1,181,946Net Income 2017: $196,9142017Revenue 2018: $1,367,909Expenses 2018: $1,333,814Net Income 2018: $34,0952018Revenue 2019: $1,384,448Expenses 2019: $1,227,776Net Income 2019: $156,6722019Revenue 2020: $1,963,701Expenses 2020: $1,678,767Net Income 2020: $284,9342020Revenue 2021: $2,398,437Expenses 2021: $1,839,858Net Income 2021: $558,5792021Revenue 2022: $2,979,882Expenses 2022: $2,581,192Net Income 2022: $398,6902022Revenue 2023: $3,361,930Expenses 2023: $2,924,173Net Income 2023: $437,7572023Revenue 2024: $3,540,462Expenses 2024: $3,186,735Net Income 2024: $353,7272024

Highlighted filing

2015

Revenue$1,368,390
Expenses$1,269,942
Net Income$98,448
Open 2015 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2015 to Dec 31, 2015
Signed
Jul 29, 2016
Return Version
2015v2.1
Gross Receipts
$1,400,572
Mission and Program Overview

Mission

The primary activity of the organization is training amd member support on electronic payments.

The primary activity of the organization is to supervise and coordinate the processing of electronic funds transfers for its members and provide educational seminars to users of the system.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,872,031$2,657,978▼ $214,053
Cash and Non-Interest-Bearing Accounts$150,338$476,336▲ $325,998
Accounts Receivable$94,133$92,934▼ $1,199
Prepaid Expenses and Deferred Charges$70,877$38,259▼ $32,618
Land, Buildings, and Equipment, Net$15,168$25,413▲ $10,245
Inventories for Sale or Use$5,450$5,332▼ $118
Total Assets$3,212,166$3,300,460▲ $88,294
Other Assets Total$4,169$4,208▲ $39
Liabilities
Accounts Payable and Accrued Expenses$30,672$20,433▼ $10,239
Deferred Revenue$16,893$16,978▲ $85
Total Liabilities$47,565$37,411▼ $10,154
Net Assets / Fund Balance
Unrestricted Net Assets$3,164,601$3,263,049▲ $98,448
Total Net Assets Fund Balance$3,164,601$3,263,049▲ $98,448
Total Liabilities and Net Assets / Fund Balance$3,212,166$3,300,460▲ $88,294

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$21,533$70,068$91,601
Other Land Buildings$3,880$16,419$20,299
Compensation and Service Providers
Top Officer Pay63rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
John J KingPresidentFT$173,307$173,307
Robert E DaelPresidentFT$135,536$135,536

Board Members and Trustees

NameTitle
Jeanine Andol-moellerChairperson
Melissa a QuirkVice Chairpe
Dave WillisDirector
J Michael HillDirector
John SullivanDirector
Joy KramerDirector
Tracy BerrimanDirector
Chrystina M GiorgioSecretary
James H Thompson IiiTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,303,114
Investment Income
$58,023
Other Revenue
$7,253
Change in Net Assets
$98,448

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,368,390
Revenue Not Reported on Form 990
$32,142
Total Revenue per Audited Statements
$1,400,532
Total Revenue per Form 990
$1,368,390
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$890,896
Other Expenses$379,046
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$372,181
Current Officers, Directors, Trustees, and Key Employees---$308,843
Pension Plan Contributions---$95,605
Occupancy---$72,424
Other Employee Benefits---$66,897
Payroll Taxes---$47,370
Conferences and Meetings---$39,323
Fees for Services Other---$28,499
All Other Expenses---$23,583
Office Expenses---$18,190
Other Expenses---$12,566
Fees for Services Accounting---$9,840
Insurance---$9,096
Depreciation Depletion---$8,158
Travel---$7,889
Total Functional Expenses$0$0$0$1,269,942

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,302,084
Expenses per Audited Statements$1,269,942
Total Expenses per Form 990$1,269,942
Expenses Not Reported on Form 990$32,142
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
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
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
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The membership consists of financial institutions and associate members.”

Form 990, Page 6, Part VI, Line 7A

“Largest volume credit union appoints one member. Largest volume bank member appoints one member.”

Form 990, Page 6, Part VI, Line 11B

“Director reviews with cpa and signs return.”

Form 990, Page 6, Part VI, Line 12C

“All disclosure statements given by board.”

Form 990, Page 6, Part VI, Line 15A

“Compensation of top official is based on performance goals and objectives.”

Form 990, Page 6, Part VI, Line 19

“Documents are furnished upon request.”

Filing and Contact Details

Filer

Filer Name
Mid-atlantic Clearing House
EIN
52-1051341
Phone
4108590090
Address
1344 ASHTON ROAD RM/STE 202, HANOVER, MD 21076

Signing Officer

Name
Robert E Dael
Title
President
Phone
4108590090
Signed
2016-07-29
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Robert E Dael
Formed
1975
Legal Domicile
Md
Voting Board Members
10
Independent Board Members
9
Employees
8

Preparer

Firm
Wolfe & Fiedler Pa
Address
634 FREDERICK RD STE 1, CATONSVILLE, MD 21228
Preparer
Brian T Wolfe
Phone
4107470789
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Educate membership and provide clearing house for ach transactions”

Form 990, Part XI, Line 9

“Publication sales 32,142 publications cost of goods sold -32,142”

Financial Statement Notes

Schedule D, Page 4, Part XI, Line 2D

“PUBLICATION SALES 32,142”

Schedule D, Page 4, Part XII, Line 2D

“Publications cost of goods sold 32,142”

Raw XML Appendix379 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd0false
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt030672
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt020433
IRS990/AccountsReceivableGrp/BOYAmt094133
IRS990/AccountsReceivableGrp/EOYAmt092934
IRS990/ActivitiesConductedPrtshpInd0false
IRS990/ActivityOrMissionDesc0THE PRIMARY ACTIVITY OF THE ORGANIZATION IS TO SUPERVISE AND COORDINATE THE PROCESSING OF ELECTRONIC FUNDS TRANSFERS FOR ITS MEMBERS AND PROVIDE EDUCATIONAL SEMINARS TO USERS OF THE SYSTEM.
IRS990/AllOtherExpensesGrp/TotalAmt023583
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
IRS990/BackupWthldComplianceInd0true
IRS990/BooksInCareOfDetail/PersonNm0ROBERT DAEL
IRS990/BooksInCareOfDetail/PhoneNum04108590090
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01344 ASHTON ROAD SUITE 202
IRS990/BooksInCareOfDetail/USAddress/CityNm0HANOVER
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MD
IRS990/BooksInCareOfDetail/USAddress/ZIPCd021076
IRS990/BusinessRlnWithFamMemInd0false
IRS990/BusinessRlnWithOfficerEntInd0false
IRS990/BusinessRlnWithOrgMemInd0false
IRS990/CashNonInterestBearingGrp/BOYAmt0150338
IRS990/CashNonInterestBearingGrp/EOYAmt0476336
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0308843
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt039323
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CostOfGoodsSoldAmt032142
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt058023
IRS990/CYOtherExpensesAmt0379046
IRS990/CYOtherRevenueAmt07253
IRS990/CYProgramServiceRevenueAmt01303114
IRS990/CYRevenuesLessExpensesAmt098448
IRS990/CYSalariesCompEmpBnftPaidAmt0890896
IRS990/CYTotalExpensesAmt01269942
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01368390
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt016893
IRS990/DeferredRevenueGrp/EOYAmt016978
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt08158
IRS990/Desc0EDUCATE MEMBERSHIP AND PROVIDE CLEARING HOUSE FOR ACH TRANSACTIONS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt08
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt09840
IRS990/FeesForServicesOtherGrp/TotalAmt028499
IRS990/ForeignActivitiesInd0false
IRS990/ForeignFinancialAccountInd0false
IRS990/ForeignOfficeInd0false
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt11.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt31.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt41.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt51.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt61.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt1040.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt40
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/PersonNm0DAVE WILLIS
IRS990/Form990PartVIISectionAGrp/PersonNm1JOY KRAMER
IRS990/Form990PartVIISectionAGrp/PersonNm2CHRYSTINA M GIORGIO
IRS990/Form990PartVIISectionAGrp/PersonNm3JEANINE ANDOL-MOELLER
IRS990/Form990PartVIISectionAGrp/PersonNm4JAMES H THOMPSON III
IRS990/Form990PartVIISectionAGrp/PersonNm5TRACY BERRIMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6MELISSA A QUIRK
IRS990/Form990PartVIISectionAGrp/PersonNm7J MICHAEL HILL
IRS990/Form990PartVIISectionAGrp/PersonNm8JOHN SULLIVAN
IRS990/Form990PartVIISectionAGrp/PersonNm9JOHN J KING
IRS990/Form990PartVIISectionAGrp/PersonNm10ROBERT E DAEL
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9173307
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10135536
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt3CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt4TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIRPE
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt10PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01975
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GainOrLossGrp/OtherAmt0-40
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01400572
IRS990/GrossSalesOfInventoryAmt039395
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt09096
IRS990/InventoriesForSaleOrUseGrp/BOYAmt05450
IRS990/InventoriesForSaleOrUseGrp/EOYAmt05332
IRS990/InvestmentIncomeGrp/ExclusionAmt058063
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt058063
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt03
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt086487
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015168
IRS990/LandBldgEquipBasisNetGrp/EOYAmt025413
IRS990/LandBldgEquipCostOrOtherBssAmt0111900
IRS990/LegalDomicileStateCd0MD
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt040
IRS990/LoanOutstandingInd0false
IRS990/LocalChaptersInd0false
IRS990/MaterialDiversionOrMisuseInd0false
IRS990/MembersOrStockholdersInd0true
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd0true
IRS990/MinutesOfGoverningBodyInd0true
IRS990/MissionDesc0THE PRIMARY ACTIVITY OF THE ORGANIZATION IS TO SUPERVISE AND COORDINATE THE PROCESSING OF ELECTRONIC FUNDS TRANSFERS FOR ITS MEMBERS AND PROVIDE EDUCATIONAL SEMINARS TO USERS OF THE SYSTEM.
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt03164601
IRS990/NetAssetsOrFundBalancesEOYAmt03263049
IRS990/NetGainOrLossInvestmentsGrp/RelatedOrExemptFuncIncomeAmt0-40
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-40
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt07253
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt07253
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt072424
IRS990/OfficeExpensesGrp/TotalAmt018190
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04169
IRS990/OtherAssetsTotalGrp/EOYAmt04208
IRS990/OtherEmployeeBenefitsGrp/TotalAmt066897
IRS990/OtherExpensesGrp/Desc0SEMINAR EXPENSES
IRS990/OtherExpensesGrp/Desc1MEMBERSHIP ASSESSMENT
IRS990/OtherExpensesGrp/Desc2EQUIPMENT LEASING
IRS990/OtherExpensesGrp/Desc3POSTAGE AND SHIPPING
IRS990/OtherExpensesGrp/TotalAmt081705
IRS990/OtherExpensesGrp/TotalAmt153595
IRS990/OtherExpensesGrp/TotalAmt214178
IRS990/OtherExpensesGrp/TotalAmt312566
IRS990/OtherSalariesAndWagesGrp/TotalAmt0372181
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt047370
IRS990/PensionPlanContributionsGrp/TotalAmt095605
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt070877
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt038259
IRS990/PrincipalOfficerNm0ROBERT E DAEL
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0USER TRANSACTION FEES
IRS990/ProgramServiceRevenueGrp/Desc1EDUCATIONAL PROGRAM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01026854
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1276260
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01026854
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1276260
IRS990/ProgSrvcAccomActyOtherGrp/Desc0EDUCATE MEMBERSHIP AND PROVIDE CLEARING HOUSE FOR ACH TRANSACTIONS
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt056160
IRS990/PYOtherExpensesAmt0352912
IRS990/PYOtherRevenueAmt08312
IRS990/PYProgramServiceRevenueAmt01281815
IRS990/PYRevenuesLessExpensesAmt0156347
IRS990/PYSalariesCompEmpBnftPaidAmt0837028
IRS990/PYTotalExpensesAmt01189940
IRS990/PYTotalRevenueAmt01346287
IRS990/ReconcilationRevenueExpnssAmt098448
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02872031
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02657978
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt021533
IRS990ScheduleD/EquipmentGrp/DepreciationAmt070068
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt091601
IRS990ScheduleD/ExpensesNotReportedAmt032142
IRS990ScheduleD/ExpensesSubtotalAmt01269942
IRS990ScheduleD/OtherExpensesIncludedAmt032142
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt03880
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt016419
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt020299
IRS990ScheduleD/OtherRevenueAmt032142
IRS990ScheduleD/RevenueNotReportedAmt032142
IRS990ScheduleD/RevenueSubtotalAmt01368390
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0PUBLICATION SALES 32,142
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1PUBLICATIONS COST OF GOODS SOLD 32,142
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt025413
IRS990ScheduleD/TotalExpensesPerForm990Amt01269942
IRS990ScheduleD/TotalRevenuePerForm990Amt01368390
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01400532
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01302084
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0173307
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0JOHN J KING
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0173307
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EDUCATE MEMBERSHIP AND PROVIDE CLEARING HOUSE FOR ACH TRANSACTIONS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERSHIP CONSISTS OF FINANCIAL INSTITUTIONS AND ASSOCIATE MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2LARGEST VOLUME CREDIT UNION APPOINTS ONE MEMBER. LARGEST VOLUME BANK MEMBER APPOINTS ONE MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3DIRECTOR REVIEWS WITH CPA AND SIGNS RETURN.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4ALL DISCLOSURE STATEMENTS GIVEN BY BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5COMPENSATION OF TOP OFFICIAL IS BASED ON PERFORMANCE GOALS AND OBJECTIVES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6DOCUMENTS ARE FURNISHED UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7PUBLICATION SALES 32,142 PUBLICATIONS COST OF GOODS SOLD -32,142
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PAGE 6, PART VI, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7FORM 990, PART XI, LINE 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt03212166
IRS990/TotalAssetsEOYAmt03300460
IRS990/TotalAssetsGrp/BOYAmt03212166
IRS990/TotalAssetsGrp/EOYAmt03300460
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt08
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01269942
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt047565
IRS990/TotalLiabilitiesEOYAmt037411
IRS990/TotalLiabilitiesGrp/BOYAmt047565
IRS990/TotalLiabilitiesGrp/EOYAmt037411
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03164601
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03263049
IRS990/TotalProgramServiceRevenueAmt01303114
IRS990/TotalReportableCompFromOrgAmt0308843
IRS990/TotalRevenueGrp/ExclusionAmt058063
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01310327
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01368390
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03212166
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03300460
IRS990/TravelGrp/TotalAmt07889
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt03164601
IRS990/UnrestrictedNetAssetsGrp/EOYAmt03263049
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01344 ASHTON RD STE 202
IRS990/USAddress/CityNm0HANOVER
IRS990/USAddress/StateAbbreviationCd0MD
IRS990/USAddress/ZIPCd021076
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0WWW.MACHA.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-12-15 16:53:06Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT E DAEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04108590090
ReturnHeader/BusinessOfficerGrp/SignatureDt02016-07-29
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0MID-ATLANTIC CLEARING HOUSE
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0ASSOCIATION
ReturnHeader/Filer/BusinessNameControlTxt0MID-
ReturnHeader/Filer/EIN0521051341
ReturnHeader/Filer/PhoneNum04108590090
ReturnHeader/Filer/USAddress/AddressLine1Txt01344 ASHTON ROAD RM/STE 202
ReturnHeader/Filer/USAddress/CityNm0HANOVER
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MD
ReturnHeader/Filer/USAddress/ZIPCd021076
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0521798441
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WOLFE & FIEDLER PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0634 FREDERICK RD STE 1
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0CATONSVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd021228
ReturnHeader/PreparerPersonGrp/PhoneNum04107470789
ReturnHeader/PreparerPersonGrp/PreparationDt02016-08-01
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRIAN T WOLFE
ReturnHeader/ReturnTs02016-08-01T12:52:42-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02015-01-01
ReturnHeader/TaxPeriodEndDt02015-12-31
ReturnHeader/TaxYr02015

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2015 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,300,460
Liabilities
$37,411
Net assets
$3,263,049
Revenue
$1,368,390
Expenses
$1,269,942
Net income
$98,448
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.41$0.81$6.60$3.54$3.19$0.35
2023Detailed filing. Detailed filing data is available for this year.$7.02$0.78$6.24$3.36$2.92$0.44
2022Detailed filing. Detailed filing data is available for this year.$6.55$0.75$5.81$2.98$2.58$0.40
2021Detailed filing. Detailed filing data is available for this year.$5.87$0.44$5.43$2.40$1.84$0.56
2020Detailed filing. Detailed filing data is available for this year.$5.34$0.46$4.87$1.96$1.68$0.28
2019Detailed filing. Detailed filing data is available for this year.$3.80$0.05$3.75$1.38$1.23$0.16
2018Detailed filing. Detailed filing data is available for this year.$3.65$0.06$3.59$1.37$1.33$0.03
2017Detailed filing. Detailed filing data is available for this year.$3.60$0.05$3.55$1.38$1.18$0.20
2016Detailed filing. Detailed filing data is available for this year.$3.41$0.05$3.36$1.36$1.26$0.09
2015Detailed filing. Detailed filing data is available for this year.$3.30$0.04$3.26$1.37$1.27$0.10
2014Detailed filing. Detailed filing data is available for this year.$3.21$0.05$3.16$1.35$1.19$0.16
2013Detailed filing. Detailed filing data is available for this year.$3.05$0.04$3.01$1.25$1.16$0.09
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.94$0.02$2.91$1.10
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.78$0.02$2.76$1.10