Civic Intelligence

Alabama Automated Clearing House Assoc

EIN 63-0725091

2 Riverchase Office Plaza No 11135244
Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

45th percentile

0.03x

Higher debt load relative to assets than 45% of similar nonprofits.

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

Liabilities / Revenue

46th percentile

0.03x

Higher debt load relative to revenue than 46% of similar nonprofits.

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

Net Margin

32nd percentile

-2.1%

Higher net margin than 32% of similar nonprofits.

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

Top Officer Pay

90th percentile

$166,004

Higher top officer pay than 90% of similar nonprofits.

Top officer pay equals 33.4% of source-year revenue.

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

Asset Growth

33rd percentile

-1.9%

Faster asset growth than 33% of similar nonprofits.

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

Revenue Growth

47th percentile

4.0%

Faster revenue growth than 47% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets45th percentile

Assets

Up

$587,440

Up $47,669 (+8.8%) from 2012

Liabilities

Down

$15,461

Down $227 (-1.4%) from 2012

Net Assets

Up

$571,979

Up $47,896 (+9.1%) from 2012

Operations
Liabilities / Revenue46th percentileNet Margin32nd percentile

Revenue

$478,623

No earlier filing loaded for comparison.

Expenses

Up

$430,725

Up $6,822 (+1.6%) from 2012

Net Income

$47,898

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth33rd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600K$400K$200K$0Assets 2010: $396,936Liabilities 2010: $1,711Net Assets 2010: $395,2252010Assets 2011: $480,458Liabilities 2011: $17,349Net Assets 2011: $463,1092011Assets 2012: $539,771Liabilities 2012: $15,688Net Assets 2012: $524,0832012Assets 2013: $587,440Liabilities 2013: $15,461Net Assets 2013: $571,9792013

Highlighted filing

2013

Assets$587,440
Liabilities$15,461
Net Assets$571,979
Open 2013 Filing

Operations Trend

Revenue Growth47th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0Expenses 2010: $386,8092010Expenses 2011: $411,2102011Expenses 2012: $423,9032012Revenue 2013: $478,623Expenses 2013: $430,725Net Income 2013: $47,8982013

Highlighted filing

2013

Revenue$478,623
Expenses$430,725
Net Income$47,898
Open 2013 Filing

Filings

Most recent year

2013 • Form 990Summary only. Only limited summary data is available for this year.

Open filing
Assets
$587,440
Liabilities
$15,461
Net assets
$571,979
Revenue
$478,623
Expenses
$430,725
Net income
$47,898
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2013Summary only. Only limited summary data is available for this year.$5.87$0.15$5.72$4.79$4.31$0.48
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$5.40$0.16$5.24$4.24
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.80$0.17$4.63$4.11
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.97$0.02$3.95$3.87
Latest Detailed Filing

The latest 2013 filing currently has summary financial data only. Showing the latest detailed filing from 2012 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2012 to Dec 31, 2012
Signed
May 29, 2013
Return Version
2012v2.1
Gross Receipts
$503,950
Mission and Program Overview

Mission

NONE

Filing and Contact Details

Filer

EIN
63-0725091
Raw XML AppendixShowing 400 of 432 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.

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IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation0THE ORGANIZATION IS EXEMPT FROM FEDERAL INCOME TAXES BY THE INTERNAL REVENUE SERVICE UNDER SECTION 501(C)(6) OF THE INTERNAL REVENUE CODE. THE STATE OF ALABAMA FOLLOWS THE SAME RULLING AS THE INTERNAL REVENUE SERVICE. THE ORGANIZATION HAD NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR DISCLOSURE IN THE FINANCIAL STATEMENTS. THE ORGANZIATION FILES AN ANNUAL FORM 990 WITH THE INTERNAL REVENUE SERVICE, AND ITS TAX RETURNS THE YEAR ENDED 2008 AND SUBSEQUENT REMAIN SUBJECT TO EXAMINATION BY TAX AUTHORITIES.
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation1COST OF GOODS SOLD 19,073.
IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation2COST OF GOODS SOLD 19,073.
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IRS990ScheduleO/GeneralExplanation/Explanation0ANY ORGANIZATION AUTHORIZED TO DO COMMERCIAL BANKING, SAVINGS AND LOAN ASSOCIATION, OR CREDIT UNION BUSINESS, AND WHOSE DEPOSITORS' ACCOUNTS ARE INSURED BY THE U.S. GOVERNMENT OR ANY INSTRUMENTALITY THEREOF OR BY A PRIVATE ENTITY (PENDING BOARD APPROVAL) CAN APPLY TO BECOME A MEMBER OF THE ORGANIZATION. BOTH AFFILIATE MEMBERS AND FINANCIAL INSTITUTION MEMBERS HAVE THE SAME VOTING RIGHTS AND PRIVILEGES WITH RESPECT TO THE ORGANIZATION; HOWEVER, NO MORE THAN 25% OF THE BOARD CAN BE MADE UP OF AFFILIATE MEMBERS.
IRS990ScheduleO/GeneralExplanation/Explanation1MEMBERS OF THE ORGANIZATION ELECT MEMBERS OF THE GOVERNING BODY AT THE ANNUAL MEETING PRIMARILY BY PROXY.
IRS990ScheduleO/GeneralExplanation/Explanation2AT THE ANNUAL MEETING MEMBERS RATIFY AND APPROVE ANY PURCHASES, CONTRACTS, AND NEW MEMBERS FROM THE PREVIOUS YEAR. MOST OF THE VOTING IS DONE BY PROXY, SOLICITED PRIOR TO THE MEETING.
IRS990ScheduleO/GeneralExplanation/Explanation3UPON COMPLETION OF THE ORGANIZATION'S FORM 990, THE RETURN IS PRESENTED TO THE BOARD AT A BOARD OF DIRECTOR'S MEETING. AT THE MEETING, THE BOARD MEMBERS REVIEW THE TAX RETURN AND ARE FREE TO ASK ANY QUESTIONS OR ENGAGE IN DISCUSSION REGARDING ANY TOPIC COVERED IN THE RETURN. ONCE THE GOVERNING BODY HAS REVIEWED AND APPROVED THE FORM 990, THE RETURN IS FILED WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/GeneralExplanation/Explanation4EMPLOYEES AND BOARD MEMBERS OF THE ORGANIZATION MUST REVIEW AND SIGN THE WRITTEN CONFLICT OF INTEREST POLICY ANNUALLY. ADDITIONALLY, THE ORGANIZATION WILL COMPLETE PERIODIC REVIEWS OF COMPENSATION ARRANGEMENTS AND ARRANGEMENTS WITH MANAGEMENT ORGANIZATIONS TO MAKE SURE THAT NO CONFLICTS OF INTEREST HAVE DEVELOPED.
IRS990ScheduleO/GeneralExplanation/Explanation5EACH EMPLOYEE'S HOURLY WAGE OR SALARY IS REVIEWED, AT A MINIMUM, ANNUALLY IN CONJUCTION WITH GOAL STATUS REVIEW (JUNE FOR DIRECTOR OF MEMBER SERVICES AND SEPTEMBER FOR THE EXECUTIVE DIRECTOR). INCREASES IN SALARY ARE DETERMINED ON THE BASIS OF PERFORMANCE, ADHERENCE TO ORGANIZATION POLICIES AND PROCEDURES, AND THE EMPLOYEE'S ABILITY TO ACHIEVE OR EXCEED PERFORMANCE GOALS AS DETAILED IN JOB DESCRIPTIONS. THE PRESIDENT OF THE BOARD OF DIRECTORS REVIEWS THE EXECUTIVE DIRECTOR'S SALARY AND MAKES A SALARY RECOMMENDATION TO THE EXECUTIVE COMMITTEE BASED ON THE GOAL STATUS REVIEEW AND REVIEW OF COMPARABLE FINANCIAL INSTITUTION MARKET SALARIES. ONCE IT IS APPROVED, THE BOARD PRESIDENT MEETS WITH THE EXECUTIVE DIRECTOR AND REVIEWS ALL INFORMATION. THE EXECUTIVE DIRECTOR REVIEWS ALL EMPLOYEE SALARIES.
IRS990ScheduleO/GeneralExplanation/Explanation6THE ORGANIZATION MAKES ITS GOVERNING DOCUMENTS, CONFLICT OF INTEREST POLICY, AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/GeneralExplanation/Explanation7NO CHANGES HAVE OCCURED IN THE PROCESS FROM THE PRIOR YEAR.
IRS990ScheduleO/GeneralExplanation/ReturnReference0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/GeneralExplanation/ReturnReference1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/GeneralExplanation/ReturnReference2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/GeneralExplanation/ReturnReference3FORM 990, PART VI, SECTION B, LINE 11
IRS990ScheduleO/GeneralExplanation/ReturnReference4FORM 990, PART VI, SECTION B, LINE 12C
IRS990ScheduleO/GeneralExplanation/ReturnReference5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/GeneralExplanation/ReturnReference6FORM 990, PART VI, SECTION C, LINE 19
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