Civic Intelligence

Tennessee Automated Clearing House Association

990 • Fiscal year 2014 • EIN 62-0988338

Apr 01, 2013 to Mar 31, 2014 • Filed on Jun 24, 2014

Organization ProfileWWW.TACHA.ORG
1000 Northchase Dr37072

(615) 859-4188

Siviq Scores

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

Liabilities / Assets

80th percentile

0.41x

Higher debt load relative to assets than 80% of similar nonprofits.

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

Liabilities / Revenue

85th percentile

0.43x

Higher debt load relative to revenue than 85% of similar nonprofits.

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

Net Margin

58th percentile

5.5%

Higher net margin than 58% of similar nonprofits.

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

Top Officer Pay

Score unavailable

No value available

This filing does not contain officer compensation rows.

Source year 2014

Asset Growth

54th percentile

5.0%

Faster asset growth than 54% of similar nonprofits.

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

Revenue Growth

Score unavailable

No value available

No earlier valid filing was available within the previous three public years.

Source year 2014

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$760,765

Up $35,943 (+5.0%) from 2013

Net Assets

Up

$452,133

Up $35,889 (+8.6%) from 2013

Liabilities

Up

$308,632

Up $54 (+0.0%) from 2013

Revenue And Expenses
Liabilities / Revenue85th percentileNet Margin58th percentile

Revenue

Up

$712,832

Up $3,002 (+0.4%) from 2013

Expenses

Up

$673,755

Up $13,227 (+2.0%) from 2013

Net Income

Down

$39,077

Down $10,225 (-21%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth54th percentile

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

$800K$600K$400K$200K$0Assets 2010: $625,857Liabilities 2010: $305,795Net Assets 2010: $320,0622010Assets 2011: $643,887Liabilities 2011: $336,076Net Assets 2011: $307,8112011Assets 2012: $697,003Liabilities 2012: $330,061Net Assets 2012: $366,9422012Assets 2013: $724,822Liabilities 2013: $308,578Net Assets 2013: $416,2442013Assets 2014: $760,765Liabilities 2014: $308,632Net Assets 2014: $452,1332014

Highlighted filing

2014

Assets$760,765
Liabilities$308,632
Net Assets$452,133
Open 2014 Filing

Operations Trend

Revenue GrowthScore unavailable

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

$800K$600K$400K$200K$0Revenue 2010: $473,359Expenses 2010: $460,551Net Income 2010: $12,8082010Expenses 2011: $575,4782011Expenses 2012: $587,8432012Revenue 2013: $709,830Expenses 2013: $660,528Net Income 2013: $49,3022013Revenue 2014: $712,832Expenses 2014: $673,755Net Income 2014: $39,0772014

Highlighted filing

2014

Revenue$712,832
Expenses$673,755
Net Income$39,077
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Apr 1, 2013 to Mar 31, 2014
Signed
Jun 24, 2014
Return Version
2013v3.1
Gross Receipts
$712,832
Mission and Program Overview

Mission

Tennessee automated clearing house association's purpose is to educate its members about the automated clearing house (ach) payment system and to promote improvements of the ach payment system through more effective utilization of computers and communications of technology.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$687,350$726,217▲ $38,867
Accounts Receivable$23,170$22,819▼ $351
Land, Buildings, and Equipment, Net$14,302$11,729▼ $2,573
Total Assets$724,822$760,765▲ $35,943
Liabilities
Deferred Revenue$306,425$305,929▼ $496
Accounts Payable and Accrued Expenses$2,153$2,703▲ $550
Total Liabilities$308,578$308,632▲ $54
Net Assets / Fund Balance
Unrestricted Net Assets$416,244$452,133▲ $35,889
Total Net Assets Fund Balance$416,244$452,133▲ $35,889
Total Liabilities and Net Assets / Fund Balance$724,822$760,765▲ $35,943

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$9,820$13,553$23,373
Equipment$1,909$6,774$8,683
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Donna AshworthPresident & CEOFT$133,572$6,425$139,997

Board Members and Trustees

NameTitle
Glen CrossChairman
Barbara McdanielsPast Chairman
Scott SmithVice Chairman Education
Tena HollowayVice Chairman Marketing
Michelle PalmerVice Chairman Membership
Aron StosbergVice Chairman Rules & Ops
Ernie ChappellAssociate Director
Jodi MooreAssociate Director
Angela GarlandDirector
Debbie JonesDirector
Glenda RaggettDirector
Kevin HerringtonDirector
Michelle HuddlestonDirector
Pam MaggioDirector
Paul RaglandDirector
Rich RoddyDirector
Linda HicksSecretarytreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$708,555
Investment Income
$1,638
Other Revenue
$2,639
Change in Net Assets
$39,077

Audited Revenue Reconciliation

Revenue per Audited Statements
$712,832
Total Revenue per Audited Statements
$712,832
Total Revenue per Form 990
$712,832
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$375,202
Other Expenses$298,553
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$197,512
Current Officers, Directors, Trustees, and Key Employees---$133,572
Conferences and Meetings---$60,870
All Other Expenses---$51,214
Occupancy---$50,792
Payroll Taxes---$24,979
Other Expenses$16,069--$16,069
Travel---$10,499
Office Expenses---$10,399
Pension Plan Contributions---$10,303
Other Employee Benefits---$8,836
Insurance---$4,195
Depreciation Depletion---$4,068
Total Functional Expenses$0$0$0$673,755

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$673,755
Total Expenses per Audited Statements$673,755
Total Expenses per Form 990$673,755
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
In-house lobbying only
Yes
Subject to proxy tax
Yes
Governance and Compliance

Governance Checklist

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

Governance Explanations

Members or stockholder classes and rights Part VI line 6

“The association serves members.”

Member election for additional members Part VI line 7A

“The board elects its own members and officers.”

Committee meeting documentation Part VI line 8B

“The board meeting minutes are recorded and kept on file with the association.”

Form 990 governing body review Part VI line 11

“The tax return is reviewed by the president/ceo and the board of directors prior to filing wiht the irs.”

Conflict of interest policy compliance Part VI line 12C

“The board of directors maintain a confilct of interest policy.”

CEO executive director top management comp Part VI line 15A

“Lbmc employment partners and the association's chairman recommended a starting salary for the president/ceo based on information they obtained from their annual salary survey. This salary is in line with other president/ceos at other regional payment associations. Salaries are approved and set by the association's board of directors.”

Other officer or key employee compensation Part VI line 15B

“A salary survey of regional payments associations in the southeast was performed. Salaries for the director of education and the director of audit services are in line with what their counterparts in other states are being paid for the same positions. Salaries are approved and set by the association's board of directors.”

Governing documents etc available to public Part VI line 19

“All governing documents, policies, and financial statements are made available to the public upon request.”

Filing and Contact Details

Filer

EIN
62-0988338

Signing Officer

Name
Glen Cross
Title
Chairman
Phone
6158594188
Signed
2014-06-24
Discuss with paid preparer
Yes

Organization Details

Formed
1975
Legal Domicile
Tn
Voting Board Members
18
Independent Board Members
18
Employees
6
Volunteers
18

Preparer

Preparer
Bob Bellenfant CPA
Phone
6153708700
Supplemental Narrative

Financial Statement Notes

Footnote for uncertain tax position under FIN 48 (Part X)

“The association has evaluated its tax positions in accordance with the codification standard relating to accounting for uncertainty in income taxes. The association believes that it has taken no uncertain tax positions.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE CHAIRMAN EDUCATION
IRS990/Form990PartVIISectionAGrp/TitleTxt4VICE CHAIRMAN MARKETING
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IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
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IRS990/MissionDesc0TENNESSEE AUTOMATED CLEARING HOUSE ASSOCIATION'S PURPOSE IS TO EDUCATE ITS MEMBERS ABOUT THE AUTOMATED CLEARING HOUSE (ACH) PAYMENT SYSTEM AND TO PROMOTE IMPROVEMENTS OF THE ACH PAYMENT SYSTEM THROUGH MORE EFFECTIVE UTILIZATION OF COMPUTERS AND COMMUNICATIONS OF TECHNOLOGY.
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IRS990/ProgramServiceRevenueGrp/Desc1CONFERENCE & MEETINGS
IRS990/ProgramServiceRevenueGrp/Desc2AUDIT SERVICES
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ASSOCIATION HAS EVALUATED ITS TAX POSITIONS IN ACCORDANCE WITH THE CODIFICATION STANDARD RELATING TO ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. THE ASSOCIATION BELIEVES THAT IT HAS TAKEN NO UNCERTAIN TAX POSITIONS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Footnote for uncertain tax position under FIN 48 (Part X)
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE ASSOCIATION SERVES MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD ELECTS ITS OWN MEMBERS AND OFFICERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD MEETING MINUTES ARE RECORDED AND KEPT ON FILE WITH THE ASSOCIATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE TAX RETURN IS REVIEWED BY THE PRESIDENT/CEO AND THE BOARD OF DIRECTORS PRIOR TO FILING WIHT THE IRS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE BOARD OF DIRECTORS MAINTAIN A CONFILCT OF INTEREST POLICY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5LBMC EMPLOYMENT PARTNERS AND THE ASSOCIATION'S CHAIRMAN RECOMMENDED A STARTING SALARY FOR THE PRESIDENT/CEO BASED ON INFORMATION THEY OBTAINED FROM THEIR ANNUAL SALARY SURVEY. THIS SALARY IS IN LINE WITH OTHER PRESIDENT/CEOS AT OTHER REGIONAL PAYMENT ASSOCIATIONS. SALARIES ARE APPROVED AND SET BY THE ASSOCIATION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6A SALARY SURVEY OF REGIONAL PAYMENTS ASSOCIATIONS IN THE SOUTHEAST WAS PERFORMED. SALARIES FOR THE DIRECTOR OF EDUCATION AND THE DIRECTOR OF AUDIT SERVICES ARE IN LINE WITH WHAT THEIR COUNTERPARTS IN OTHER STATES ARE BEING PAID FOR THE SAME POSITIONS. SALARIES ARE APPROVED AND SET BY THE ASSOCIATION'S BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7ALL GOVERNING DOCUMENTS, POLICIES, AND FINANCIAL STATEMENTS ARE MADE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Committee meeting documentation Part VI line 8b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Conflict of interest policy compliance Part VI line 12c
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Other officer or key employee compensation Part VI line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Governing documents etc available to public Part VI line 19
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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
$760,765
Liabilities
$308,632
Net assets
$452,133
Revenue
$712,832
Expenses
$673,755
Net income
$39,077
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2014Detailed filing. Detailed filing data is available for this year.$7.61$3.09$4.52$7.13$6.74$0.39
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$7.25$3.09$4.16$7.10$6.61$0.49
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.97$3.30$3.67$5.88
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.44$3.36$3.08$5.75
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.26$3.06$3.20$4.73$4.61$0.13