Civic Intelligence

MID-Atlantic Clearing House

990 • Fiscal year 2017 • EIN 52-1051341

Jan 01, 2017 to Dec 31, 2017 • Filed on Jun 14, 2018

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

19th percentile

0.01x

Higher debt load relative to assets than 19% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Liabilities / Revenue

23rd percentile

0.03x

Higher debt load relative to revenue than 23% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Net Margin

80th percentile

14%

Higher net margin than 80% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2017

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2017

Asset Growth

51st percentile

5.6%

Faster asset growth than 51% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Revenue Growth

43rd percentile

1.6%

Faster revenue growth than 43% of similar nonprofits.

2017 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2016 to 2017

Balance Sheet
Liabilities / Assets19th percentile

Assets

Up

$3,602,397

Up $192,431 (+5.6%) from 2016

Net Assets

Up

$3,554,504

Up $196,914 (+5.9%) from 2016

Liabilities

Down

$47,893

Down $4,483 (-8.6%) from 2016

Revenue And Expenses
Liabilities / Revenue23rd percentileNet Margin80th percentile

Revenue

Up

$1,378,860

Up $21,314 (+1.6%) from 2016

Expenses

Down

$1,181,946

Down $81,059 (-6.4%) from 2016

Net Income

Up

$196,914

Up $102,373 (+108%) from 2016

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

2017

Assets$3,602,397
Liabilities$47,893
Net Assets$3,554,504
Open 2017 Filing

Operations Trend

Revenue Growth43rd 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

2017

Revenue$1,378,860
Expenses$1,181,946
Net Income$196,914
Open 2017 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2017 to Dec 31, 2017
Signed
Jun 14, 2018
Return Version
2017v2.3
Gross Receipts
$1,408,287
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$2,845,776$2,861,179▲ $15,403
Cash and Non-Interest-Bearing Accounts$382,205$549,980▲ $167,775
Accounts Receivable$89,241$91,472▲ $2,231
Prepaid Expenses and Deferred Charges$54,339$73,476▲ $19,137
Land, Buildings, and Equipment, Net$34,197$22,122▼ $12,075
Total Assets$3,409,966$3,602,397▲ $192,431
Other Assets Total$4,208$4,168▼ $40
Liabilities
Accounts Payable and Accrued Expenses$33,436$31,723▼ $1,713
Deferred Revenue$18,940$16,170▼ $2,770
Total Liabilities$52,376$47,893▼ $4,483
Net Assets / Fund Balance
Unrestricted Net Assets$3,357,590$3,554,504▲ $196,914
Total Net Assets Fund Balance$3,357,590$3,554,504▲ $196,914
Total Liabilities and Net Assets / Fund Balance$3,409,966$3,602,397▲ $192,431

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$19,391$39,493$58,884
Other Land Buildings$2,731$17,568$20,299
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Robert E DaelPresidentFT$246,873$246,873

Board Members and Trustees

NameTitle
Jeanine Andol-moellerChairperson
Melissa a QuirkVice Chairpe
Dan MinerDirector
Dave WillisDirector
J Michael HillDirector
Joy KramerDirector
Tracy BerrimanDirector
John F Goedeke JrSecretary
James H Thompson IiiTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,322,012
Investment Income
$52,160
Other Revenue
$4,688
Change in Net Assets
$196,914

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,378,860
Revenue Not Reported on Form 990
$29,427
Total Revenue per Audited Statements
$1,408,287
Total Revenue per Form 990
$1,378,860
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$811,661
Other Expenses$370,285
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$360,031
Current Officers, Directors, Trustees, and Key Employees---$246,873
Pension Plan Contributions---$90,859
Occupancy---$76,356
Other Employee Benefits---$75,838
Conferences and Meetings---$39,250
Payroll Taxes---$38,060
Fees for Services Other---$31,946
All Other Expenses---$14,985
Other Expenses---$13,608
Office Expenses---$13,552
Depreciation Depletion---$12,075
Fees for Services Accounting---$10,635
Insurance---$7,774
Travel---$6,177
Total Functional Expenses$0$0$0$1,181,946

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,211,373
Expenses per Audited Statements$1,181,946
Total Expenses per Form 990$1,181,946
Expenses Not Reported on Form 990$29,427
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
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
2018-06-14
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
7

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 29,427 publications cost of goods sold -29,427”

Financial Statement Notes

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

“PUBLICATION SALES 29,427”

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

“Publications cost of goods sold 29,427”

Raw XML Appendix372 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/BOYAmt033436
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt031723
IRS990/AccountsReceivableGrp/BOYAmt089241
IRS990/AccountsReceivableGrp/EOYAmt091472
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/TotalAmt014985
IRS990/AnnualDisclosureCoveredPrsnInd0true
IRS990/AuditCommitteeInd0true
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/BOYAmt0382205
IRS990/CashNonInterestBearingGrp/EOYAmt0549980
IRS990/ChangeToOrgDocumentsInd0false
IRS990/CollectionsOfArtInd0false
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0246873
IRS990/CompensationFromOtherSrcsInd0false
IRS990/CompensationProcessCEOInd0true
IRS990/CompensationProcessOtherInd0false
IRS990/ConferencesMeetingsGrp/TotalAmt039250
IRS990/ConflictOfInterestPolicyInd0true
IRS990/ConservationEasementsInd0false
IRS990/ConsolidatedAuditFinclStmtInd0false
IRS990/CostOfGoodsSoldAmt029427
IRS990/CreditCounselingInd0false
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt052160
IRS990/CYOtherExpensesAmt0370285
IRS990/CYOtherRevenueAmt04688
IRS990/CYProgramServiceRevenueAmt01322012
IRS990/CYRevenuesLessExpensesAmt0196914
IRS990/CYSalariesCompEmpBnftPaidAmt0811661
IRS990/CYTotalExpensesAmt01181946
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01378860
IRS990/DecisionsSubjectToApprovaInd0false
IRS990/DeductibleArtContributionInd0false
IRS990/DeductibleNonCashContriInd0false
IRS990/DeferredRevenueGrp/BOYAmt018940
IRS990/DeferredRevenueGrp/EOYAmt016170
IRS990/DelegationOfMgmtDutiesInd0false
IRS990/DepreciationDepletionGrp/TotalAmt012075
IRS990/Desc0EDUCATE MEMBERSHIP AND PROVIDE CLEARING HOUSE FOR ACH TRANSACTIONS
IRS990/DescribedInSection501c3Ind0false
IRS990/DisregardedEntityInd0false
IRS990/DocumentRetentionPolicyInd0true
IRS990/DonorAdvisedFundInd0false
IRS990/ElectionOfBoardMembersInd0true
IRS990/EmployeeCnt07
IRS990/EmploymentTaxReturnsFiledInd0true
IRS990/FamilyOrBusinessRlnInd0false
IRS990/FederalGrantAuditRequiredInd0false
IRS990/FeesForServicesAccountingGrp/TotalAmt010635
IRS990/FeesForServicesOtherGrp/TotalAmt031946
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/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/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/PersonNm0JEANINE ANDOL-MOELLER
IRS990/Form990PartVIISectionAGrp/PersonNm1MELISSA A QUIRK
IRS990/Form990PartVIISectionAGrp/PersonNm2JAMES H THOMPSON III
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN F GOEDEKE JR
IRS990/Form990PartVIISectionAGrp/PersonNm4DAVE WILLIS
IRS990/Form990PartVIISectionAGrp/PersonNm5TRACY BERRIMAN
IRS990/Form990PartVIISectionAGrp/PersonNm6J MICHAEL HILL
IRS990/Form990PartVIISectionAGrp/PersonNm7JOY KRAMER
IRS990/Form990PartVIISectionAGrp/PersonNm8DAN MINER
IRS990/Form990PartVIISectionAGrp/PersonNm9ROBERT 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/ReportableCompFromOrgAmt9246873
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/TitleTxt0CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRPE
IRS990/Form990PartVIISectionAGrp/TitleTxt2TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9PRESIDENT
IRS990/Form990ProvidedToGvrnBodyInd0false
IRS990/FormationYr01975
IRS990/FormerOfcrEmployeesListedInd0false
IRS990/FSAuditedBasisGrp/SeparateBasisFinclStmtInd0X
IRS990/FSAuditedInd0true
IRS990/FundraisingActivitiesInd0false
IRS990/GamingActivitiesInd0false
IRS990/GoverningBodyVotingMembersCnt010
IRS990/GrantsToIndividualsInd0false
IRS990/GrantsToOrganizationsInd0false
IRS990/GrantToRelatedPersonInd0false
IRS990/GrossReceiptsAmt01408287
IRS990/GrossSalesOfInventoryAmt034115
IRS990/GroupReturnForAffiliatesInd0false
IRS990/IncludeFIN48FootnoteInd0false
IRS990/IndependentAuditFinclStmtInd0true
IRS990/IndependentVotingMemberCnt09
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd0false
IRS990/InfoInScheduleOPartIIIInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InsuranceGrp/TotalAmt07774
IRS990/InvestmentIncomeGrp/ExclusionAmt052160
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt052160
IRS990/InvestmentInJointVentureInd0false
IRS990/IRPDocumentCnt05
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt057061
IRS990/LandBldgEquipBasisNetGrp/BOYAmt034197
IRS990/LandBldgEquipBasisNetGrp/EOYAmt022122
IRS990/LandBldgEquipCostOrOtherBssAmt079183
IRS990/LegalDomicileStateCd0MD
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/NetAssetsOrFundBalancesBOYAmt03357590
IRS990/NetAssetsOrFundBalancesEOYAmt03554504
IRS990/NetIncomeOrLossGrp/RelatedOrExemptFuncIncomeAmt04688
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt04688
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt076356
IRS990/OfficeExpensesGrp/TotalAmt013552
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsSFAS117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt04208
IRS990/OtherAssetsTotalGrp/EOYAmt04168
IRS990/OtherEmployeeBenefitsGrp/TotalAmt075838
IRS990/OtherExpensesGrp/Desc0SEMINAR EXPENSES
IRS990/OtherExpensesGrp/Desc1MEMBERSHIP ASSESSMENT
IRS990/OtherExpensesGrp/Desc2OTHER EXPENSES
IRS990/OtherExpensesGrp/Desc3EQUIPMENT LEASING
IRS990/OtherExpensesGrp/TotalAmt074453
IRS990/OtherExpensesGrp/TotalAmt155050
IRS990/OtherExpensesGrp/TotalAmt214424
IRS990/OtherExpensesGrp/TotalAmt313608
IRS990/OtherSalariesAndWagesGrp/TotalAmt0360031
IRS990/PartialLiquidationInd0false
IRS990/PayrollTaxesGrp/TotalAmt038060
IRS990/PensionPlanContributionsGrp/TotalAmt090859
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt054339
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt073476
IRS990/PrincipalOfficerNm0ROBERT E DAEL
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/Desc0USER TRANSACTION FEES
IRS990/ProgramServiceRevenueGrp/Desc1EDUCATIONAL PROGRAM FEES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01052431
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1269581
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01052431
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1269581
IRS990/ProgSrvcAccomActyOtherGrp/Desc0EDUCATE MEMBERSHIP AND PROVIDE CLEARING HOUSE FOR ACH TRANSACTIONS
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt046304
IRS990/PYOtherExpensesAmt0372102
IRS990/PYOtherRevenueAmt03597
IRS990/PYProgramServiceRevenueAmt01307645
IRS990/PYRevenuesLessExpensesAmt094541
IRS990/PYSalariesCompEmpBnftPaidAmt0890903
IRS990/PYTotalExpensesAmt01263005
IRS990/PYTotalRevenueAmt01357546
IRS990/ReconcilationRevenueExpnssAmt0196914
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02845776
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02861179
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt019391
IRS990ScheduleD/EquipmentGrp/DepreciationAmt039493
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt058884
IRS990ScheduleD/ExpensesNotReportedAmt029427
IRS990ScheduleD/ExpensesSubtotalAmt01181946
IRS990ScheduleD/OtherExpensesIncludedAmt029427
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt02731
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt017568
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt020299
IRS990ScheduleD/OtherRevenueAmt029427
IRS990ScheduleD/RevenueNotReportedAmt029427
IRS990ScheduleD/RevenueSubtotalAmt01378860
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0PUBLICATION SALES 29,427
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt1PUBLICATIONS COST OF GOODS SOLD 29,427
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0SCHEDULE D, PAGE 4, PART XI, LINE 2D
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc1SCHEDULE D, PAGE 4, PART XII, LINE 2D
IRS990ScheduleD/TotalBookValueLandBuildingsAmt022122
IRS990ScheduleD/TotalExpensesPerForm990Amt01181946
IRS990ScheduleD/TotalRevenuePerForm990Amt01378860
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01408287
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01211373
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd0false
IRS990/ScheduleJRequiredInd0true
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt0246873
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0ROBERT E DAEL
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0246873
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 29,427 PUBLICATIONS COST OF GOODS SOLD -29,427
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/TotalAssetsBOYAmt03409966
IRS990/TotalAssetsEOYAmt03602397
IRS990/TotalAssetsGrp/BOYAmt03409966
IRS990/TotalAssetsGrp/EOYAmt03602397
IRS990/TotalCompGreaterThan150KInd0true
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt01181946
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt052376
IRS990/TotalLiabilitiesEOYAmt047893
IRS990/TotalLiabilitiesGrp/BOYAmt052376
IRS990/TotalLiabilitiesGrp/EOYAmt047893
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03357590
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03554504
IRS990/TotalProgramServiceRevenueAmt01322012
IRS990/TotalReportableCompFromOrgAmt0246873
IRS990/TotalRevenueGrp/ExclusionAmt052160
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01326700
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01378860
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt03409966
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt03602397
IRS990/TravelGrp/TotalAmt06177
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt03357590
IRS990/UnrestrictedNetAssetsGrp/EOYAmt03554504
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/BuildTS02018-06-14 16:35:46Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0ROBERT E DAEL
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum04108590090
ReturnHeader/BusinessOfficerGrp/SignatureDt02018-06-14
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/FilingSecurityInformation/AtSubmissionCreationDeviceId0DD9F2335B466B4A5B8505C1A07781CE3E36E00B4
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0DD9F2335B466B4A5B8505C1A07781CE3E36E00B4
ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd0P
ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt0216.230.123.34
ReturnHeader/FilingSecurityInformation/IPDt02018-06-18
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CD
ReturnHeader/FilingSecurityInformation/IPTm010:48:22
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/PreparationDt02018-06-15
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0BRIAN T WOLFE
ReturnHeader/ReturnTs02018-06-18T11:48:22-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02017-01-01
ReturnHeader/TaxPeriodEndDt02017-12-31
ReturnHeader/TaxYr02017

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2017 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$3,602,397
Liabilities
$47,893
Net assets
$3,554,504
Revenue
$1,378,860
Expenses
$1,181,946
Net income
$196,914
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