Civic Intelligence

Paymentsfirst Inc

990 • Fiscal year 2014 • EIN 58-1696397

Jan 01, 2014 to Dec 31, 2014 • Filed on Jul 10, 2015

Organization ProfileWWW.GACHA.ORG
3250 Riverwood ParkwayRoom/Suite 150Atlanta, GA 30339

(678) 384-9791

Siviq Scores

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

Liabilities / Assets

57th percentile

0.14x

Higher debt load relative to assets than 57% of similar nonprofits.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2014

Liabilities / Revenue

56th percentile

0.11x

Higher debt load relative to revenue than 56% of similar nonprofits.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2014

Net Margin

14th percentile

-8.6%

Higher net margin than 14% of similar nonprofits.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2014

Top Officer Pay

96th percentile

$212,271

Higher top officer pay than 96% of similar nonprofits.

Top officer pay equals 22.1% of source-year revenue.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2014

Asset Growth

10th percentile

-16%

Faster asset growth than 10% of similar nonprofits.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2013 to 2014

Revenue Growth

28th percentile

-2.8%

Faster revenue growth than 28% of similar nonprofits.

2014 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets57th percentile

Assets

Down

$738,865

Down $138,026 (-16%) from 2013

Net Assets

Down

$634,301

Down $82,254 (-11%) from 2013

Liabilities

Down

$104,564

Down $55,772 (-35%) from 2013

Revenue And Expenses
Liabilities / Revenue56th percentileNet Margin14th percentile

Revenue

Down

$961,405

Down $27,838 (-2.8%) from 2013

Expenses

Up

$1,043,659

Up $76,275 (+7.9%) from 2013

Net Income

Down

-$82,254

Down $104,113 (-476%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth10th percentile

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

$4.0M$3.0M$2.0M$1.0M$0Assets 2010: $883,511Liabilities 2010: $164,222Net Assets 2010: $719,2892010Assets 2011: $872,365Liabilities 2011: $143,942Net Assets 2011: $728,4232011Assets 2012: $769,455Liabilities 2012: $74,759Net Assets 2012: $694,6962012Assets 2013: $876,891Liabilities 2013: $160,336Net Assets 2013: $716,5552013Assets 2014: $738,865Liabilities 2014: $104,564Net Assets 2014: $634,3012014Assets 2016: $3,316,841Liabilities 2016: $1,699,870Net Assets 2016: $1,616,9712016Assets 2017: $3,174,357Liabilities 2017: $1,747,463Net Assets 2017: $1,426,8942017Assets 2018: $3,163,435Liabilities 2018: $1,816,615Net Assets 2018: $1,346,8202018Assets 2019: $2,040,669Liabilities 2019: $600,209Net Assets 2019: $1,440,4602019Assets 2020: $2,051,541Liabilities 2020: $613,984Net Assets 2020: $1,437,5572020Assets 2021: $2,506,758Liabilities 2021: $702,732Net Assets 2021: $1,804,0262021Assets 2022: $2,650,132Liabilities 2022: $552,783Net Assets 2022: $2,097,3492022Assets 2023: $2,939,522Liabilities 2023: $676,800Net Assets 2023: $2,262,7222023Assets 2024: $2,630,034Liabilities 2024: $117,537Net Assets 2024: $2,512,4972024

Highlighted filing

2014

Assets$738,865
Liabilities$104,564
Net Assets$634,301
Open 2014 Filing

Operations Trend

Revenue Growth28th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $756,8342010Expenses 2011: $825,1132011Expenses 2012: $911,4822012Revenue 2013: $989,243Expenses 2013: $967,384Net Income 2013: $21,8592013Revenue 2014: $961,405Expenses 2014: $1,043,659Net Income 2014: -$82,2542014Revenue 2016: $2,488,030Expenses 2016: $2,530,680Net Income 2016: -$42,6502016Revenue 2017: $2,455,716Expenses 2017: $2,645,793Net Income 2017: -$190,0772017Revenue 2018: $2,628,644Expenses 2018: $2,708,718Net Income 2018: -$80,0742018Revenue 2019: $2,813,521Expenses 2019: $2,719,881Net Income 2019: $93,6402019Revenue 2020: $2,752,888Expenses 2020: $2,755,791Net Income 2020: -$2,9032020Revenue 2021: $3,006,351Expenses 2021: $2,639,882Net Income 2021: $366,4692021Revenue 2022: $3,135,021Expenses 2022: $2,841,698Net Income 2022: $293,3232022Revenue 2023: $3,427,240Expenses 2023: $3,256,467Net Income 2023: $170,7732023Revenue 2024: $3,700,210Expenses 2024: $3,450,435Net Income 2024: $249,7752024

Highlighted filing

2014

Revenue$961,405
Expenses$1,043,659
Net Income-$82,254
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
Jul 10, 2015
Return Version
2014v5.0
Gross Receipts
$961,405
Mission and Program Overview

Mission

Provide education, support, and risk and compliance services to promote the use, advancement, and understanding of electronic payments.

To promote use, advancement and understanding of ach and other electronic payment systems for the benefit of our members and their customers. We will achieve this through providing exceptional customer support, quality educational services, professional payment audit and consulting, active participation on industry initiatives, and leveraging partnerships to strengthen our influence with industry stakeholders.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$728,330$629,357▼ $98,973
Accounts Receivable$117,098$93,076▼ $24,022
Prepaid Expenses and Deferred Charges$12,495--
Land, Buildings, and Equipment, Net$11,194$7,703▼ $3,491
Intangible Assets$7,549$7,348▼ $201
Total Assets$876,891$738,865▼ $138,026
Other Assets Total$225$1,381▲ $1,156
Liabilities
Other Liabilities$98,936$83,169▼ $15,767
Deferred Revenue$29,843--
Accounts Payable and Accrued Expenses$31,557$21,395▼ $10,162
Total Liabilities$160,336$104,564▼ $55,772
Net Assets / Fund Balance
Unrestricted Net Assets$716,555$634,301▼ $82,254
Total Net Assets Fund Balance$716,555$634,301▼ $82,254
Total Liabilities and Net Assets / Fund Balance$876,891$738,865▼ $138,026

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$7,703$17,699-
Compensation and Service Providers
Top Officer Pay96th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Peggy GachesaPresident ofFT$186,611$25,660$212,271
Peggy GachesaPresident of Assoc-$131,874$80,397$212,271
Jessica RiosVice Pres. O-$113,401$15,751$129,152

Board Members and Trustees

NameTitle
David PetersonChairman
Janet BoystVice Chairma
Brian EganDirector
Carol SundbergDirector
Cindy RussoDirector
Julius WeymanDirector
Marisa ReynoldsDirector
Martha PascaleDirector
William LuskDirector
Jerry KeenanSecretary
Jay PittroffTreasurer
Sherry DotsonTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$460,032
Program Service Revenue
$489,554
Investment Income
$11,819
Other Revenue
$0
Change in Net Assets
$-82,254

Audited Revenue Reconciliation

Revenue per Audited Statements
$961,405
Total Revenue per Audited Statements
$961,405
Total Revenue per Form 990
$961,405
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$585,980
Other Expenses$457,679
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$310,620--$310,620
Other Salaries and Wages$153,044--$153,044
Conferences and Meetings$123,632--$123,632
Payments to Affiliates$75,722--$75,722
All Other Expenses$56,824--$56,824
Pension Plan Contributions$48,884--$48,884
Other Employee Benefits$40,322--$40,322
Payroll Taxes$33,110--$33,110
Other Expenses$18,669--$18,669
Information Technology$15,526--$15,526
Fees for Services Accounting$10,584--$10,584
Insurance$6,250--$6,250
Office Expenses$5,731--$5,731
Depreciation Depletion$4,917--$4,917
Royalties$315--$315
Total Functional Expenses$1,043,659$0$0$1,043,659

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,043,659
Total Expenses per Audited Statements$1,043,659
Total Expenses per Form 990$1,043,659
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
American Express$39,646
Other Payables$37,635
Payroll Liabilities$5,809
Sales Tax Payable$79
Medical Leave Accrual-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
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 11B

“Board review and approval”

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

“Annual disclosure forms required and reviewed.”

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

“Review and approval by the board.”

Form 990, Page 6, Part VI, Line 19

“Governing documents and financial statements available upon request.”

Filing and Contact Details

Filer

Filer Name
Georgia Automated Clearing House
EIN
58-1696397
Phone
6783849791
Address
3250 RIVERWOOD PARKWAY, ROOM/SUITE 150, ATLANTA, GA 30339

Signing Officer

Name
Peggy Gachesa
Title
President
Phone
6783849791
Signed
2015-07-10
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Peggy Gachesa
Formed
1973
Legal Domicile
Ga
Voting Board Members
10
Independent Board Members
10
Employees
5

Preparer

Firm
Crace Galvis Mcgrath LLC
Address
1825 BARRETT LAKES BLVD NW STE 200, KENNESAW, GA 30144-4565
Preparer
DENISE A O'CONNELL
Phone
7704220598
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“To promote use, advancement and understanding of ach and other electronic payment systems for the benefit of our members and their customers. We will achieve this through providing exceptional customer support, quality educational services, professional payment audit and consulting, active participation on industry initiatives, and leveraging partnerships to strengthen our influence with industry stakeholders.”

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IRS990/ProgramServiceRevenueGrp/Desc2GUIDES & PUBLICATIONS
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt268446
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IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt473
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IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt190951
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt268446
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IRS990/ProgSrvcAccomActy2Grp/Desc0PAYMENTS TO AFFILIATES: VOICE IN THE NACHA RULES MAKING PROCESS AS A DIRECT MEMBER. COLLABORATION AND INNOVATION WITH OTHER REGIONAL PAYMENTS ASSOCIATIONS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt075722
IRS990/ProgSrvcAccomActy3Grp/Desc0CONSULTING - CUSTOMIZED TRAINING, AUDIT, AND ASSESSMENT SERVICES
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt012683
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IRS990/PYContributionsGrantsAmt0462006
IRS990/PYInvestmentIncomeAmt012035
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IRS990/PYTotalExpensesAmt0967384
IRS990/PYTotalRevenueAmt0989243
IRS990/ReconcilationRevenueExpnssAmt0-82254
IRS990/RegularMonitoringEnfrcInd0true
IRS990/RelatedEntityInd0false
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IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/ProgramServicesAmt0315
IRS990/RoyaltiesGrp/TotalAmt0315
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0728330
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0629357
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/BookValueAmt07703
IRS990ScheduleD/EquipmentGrp/DepreciationAmt017699
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt025402
IRS990ScheduleD/ExpensesSubtotalAmt01043659
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt039646
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt137635
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt25809
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt379
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0AMERICAN EXPRESS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1OTHER PAYABLES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2PAYROLL LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SALES TAX PAYABLE
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4MEDICAL LEAVE ACCRUAL
IRS990ScheduleD/RevenueSubtotalAmt0961405
IRS990ScheduleD/TotalBookValueLandBuildingsAmt07703
IRS990ScheduleD/TotalExpensesPerForm990Amt01043659
IRS990ScheduleD/TotalLiabilityAmt083169
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount049238
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt019234
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt06426
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt05499
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm0PEGGY GACHESA
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TitleTxt0PRESIDENT OF ASSOC
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/TotalCompensationFilingOrgAmt0212271
IRS990ScheduleJ/SeverancePaymentInd0false
IRS990ScheduleJ/SupplementalNonqualRtrPlanInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0TO PROMOTE USE, ADVANCEMENT AND UNDERSTANDING OF ACH AND OTHER ELECTRONIC PAYMENT SYSTEMS FOR THE BENEFIT OF OUR MEMBERS AND THEIR CUSTOMERS. WE WILL ACHIEVE THIS THROUGH PROVIDING EXCEPTIONAL CUSTOMER SUPPORT, QUALITY EDUCATIONAL SERVICES, PROFESSIONAL PAYMENT AUDIT AND CONSULTING, ACTIVE PARTICIPATION ON INDUSTRY INITIATIVES, AND LEVERAGING PARTNERSHIPS TO STRENGTHEN OUR INFLUENCE WITH INDUSTRY STAKEHOLDERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD REVIEW AND APPROVAL
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ANNUAL DISCLOSURE FORMS REQUIRED AND REVIEWED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3REVIEW AND APPROVAL BY THE BOARD.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 12C
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TempOrPermanentEndowmentsInd0false
IRS990/TerminateOperationsInd0false
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IRS990/TotalOtherCompensationAmt041411
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnrestrictedNetAssetsGrp/BOYAmt0716555
IRS990/UnrestrictedNetAssetsGrp/EOYAmt0634301
IRS990/UponRequestInd0X
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0WWW.GACHA.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02016-02-25 16:41:14Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0PEGGY GACHESA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06783849791
ReturnHeader/BusinessOfficerGrp/SignatureDt02015-07-10
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GEORGIA AUTOMATED CLEARING HOUSE
ReturnHeader/Filer/BusinessNameControlTxt0GEOR
ReturnHeader/Filer/EIN0581696397
ReturnHeader/Filer/PhoneNum06783849791
ReturnHeader/Filer/USAddress/AddressLine1Txt03250 RIVERWOOD PARKWAY
ReturnHeader/Filer/USAddress/AddressLine2Txt0ROOM/SUITE 150
ReturnHeader/Filer/USAddress/CityNm0ATLANTA
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd030339
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0581113036
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CRACE GALVIS MCGRATH LLC

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2014 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$738,865
Liabilities
$104,564
Net assets
$634,301
Revenue
$961,405
Expenses
$1,043,659
Net income
-$82,254
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.63$0.12$2.51$3.70$3.45$0.25
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.94$0.68$2.26$3.43$3.26$0.17
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.65$0.55$2.10$3.14$2.84$0.29
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.51$0.70$1.80$3.01$2.64$0.37
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.05$0.61$1.44$2.75$2.76$0.00
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.04$0.60$1.44$2.81$2.72$0.09
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.16$1.82$1.35$2.63$2.71$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.17$1.75$1.43$2.46$2.65$0.19
2016Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.32$1.70$1.62$2.49$2.53$0.04
2014Detailed filing. Detailed filing data is available for this year.$0.74$0.10$0.63$0.96$1.04$0.08
2013Detailed filing. Detailed filing data is available for this year.$0.88$0.16$0.72$0.99$0.97$0.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.77$0.07$0.69$0.91
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.87$0.14$0.73$0.83
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.88$0.16$0.72$0.76
Peer Organizations

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