Civic Intelligence

Electronic Check Clearing House Organization Inc

990 • Fiscal year 2013 • EIN 94-3114599

Jan 01, 2013 to Dec 31, 2013 • Filed on Oct 09, 2014

Organization ProfileWWW.ECCHO.ORG

View Organization Page

3710 Rawlins St75219

(214) 273-3200

Siviq Scores

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

Liabilities / Assets

75th percentile

0.42x

Higher debt load relative to assets than 75% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Liabilities / Revenue

69th percentile

0.36x

Higher debt load relative to revenue than 69% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Net Margin

70th percentile

8.5%

Higher net margin than 70% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Top Officer Pay

99th percentile

$589,674

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 16.7% of source-year revenue.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2013

Asset Growth

94th percentile

42%

Faster asset growth than 94% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Revenue Growth

60th percentile

5.9%

Faster revenue growth than 60% of similar nonprofits.

2013 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2012 to 2013

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$2,991,806

Up $889,461 (+42%) from 2012

Net Assets

Up

$1,732,077

Up $299,159 (+21%) from 2012

Liabilities

Up

$1,259,729

Up $590,302 (+88%) from 2012

Revenue And Expenses
Liabilities / Revenue69th percentileNet Margin70th percentile

Revenue

Up

$3,536,860

Up $198,062 (+5.9%) from 2012

Expenses

Up

$3,237,701

Up $193,097 (+6.3%) from 2012

Net Income

Up

$299,159

Up $4,965 (+1.7%) from 2012

Historical Trend

Balance Sheet Trend

Asset Growth94th 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: $2,035,263Liabilities 2010: $653,984Net Assets 2010: $1,381,2792010Assets 2011: $2,141,659Liabilities 2011: $1,002,935Net Assets 2011: $1,138,7242011Assets 2012: $2,102,345Liabilities 2012: $669,427Net Assets 2012: $1,432,9182012Assets 2013: $2,991,806Liabilities 2013: $1,259,729Net Assets 2013: $1,732,0772013Assets 2014: $3,170,622Liabilities 2014: $1,223,951Net Assets 2014: $1,946,6712014Assets 2015: $3,021,538Liabilities 2015: $1,024,101Net Assets 2015: $1,997,4372015Assets 2016: $3,242,671Liabilities 2016: $1,049,354Net Assets 2016: $2,193,3172016Assets 2017: $624,476Liabilities 2017: $5,888Net Assets 2017: $618,5882017

Highlighted filing

2013

Assets$2,991,806
Liabilities$1,259,729
Net Assets$1,732,077
Open 2013 Filing

Operations Trend

Revenue Growth60th percentile

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

$10M$5.0M$0-$5.0MExpenses 2010: $2,921,9132010Expenses 2011: $3,232,7882011Revenue 2012: $3,338,798Expenses 2012: $3,044,604Net Income 2012: $294,1942012Revenue 2013: $3,536,860Expenses 2013: $3,237,701Net Income 2013: $299,1592013Revenue 2014: $3,584,118Expenses 2014: $3,369,524Net Income 2014: $214,5942014Revenue 2015: $3,559,976Expenses 2015: $3,509,210Net Income 2015: $50,7662015Revenue 2016: $3,952,474Expenses 2016: $3,756,594Net Income 2016: $195,8802016Revenue 2017: $3,987,236Expenses 2017: $7,102,953Net Income 2017: -$3,115,7172017

Highlighted filing

2013

Revenue$3,536,860
Expenses$3,237,701
Net Income$299,159
Open 2013 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2013 to Dec 31, 2013
Signed
Oct 9, 2014
Return Version
2013v3.1
Gross Receipts
$3,536,860
Mission and Program Overview

Mission

The primary objective of the organization is the development and promotion of check image exchange.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,819,808$2,574,652▲ $754,844
Cash and Non-Interest-Bearing Accounts$119,911$229,214▲ $109,303
Land, Buildings, and Equipment, Net$50,886$104,514▲ $53,628
Accounts Receivable$69,260$61,413▼ $7,847
Prepaid Expenses and Deferred Charges$42,480$22,013▼ $20,467
Total Assets$2,102,345$2,991,806▲ $889,461
Liabilities
Deferred Revenue$578,167$1,175,921▲ $597,754
Accounts Payable and Accrued Expenses$91,260$83,808▼ $7,452
Total Liabilities$669,427$1,259,729▲ $590,302
Net Assets / Fund Balance
Unrestricted Net Assets$1,432,918$1,732,077▲ $299,159
Total Net Assets Fund Balance$1,432,918$1,732,077▲ $299,159
Total Liabilities and Net Assets / Fund Balance$2,102,345$2,991,806▲ $889,461

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$333,690-$333,690
Other Land Buildings$-229,176$229,176-
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David WalkerCeopresidentFT$566,674$23,000$589,674
Phyllis MeyersonVPFT$336,652$23,000$359,652
Jennifer JohnsonKey EmployeeFT$217,350$23,000$240,350
Ellen HeffnerDirectorproduct ManagementFT$175,200$23,000$198,200
Scott MillerDirectorbusiness DevelopmentFT$150,000$23,000$173,000
Elizabeth WestbrookVPFT$153,000$17,500$170,500

Board Members and Trustees

NameTitle
Gary McknightChairman
Kim BunnVice Chair
Anthony GerevicsDirector
Colleen AndresDirector
Diane ShulerDirector
Donald BarryDirector
Emilio RuizDirector
James KoziolDirector
Jeff JaggersDirector
Jeffrey SchulzeDirector
John FeldmanDirector
Kenneth TippyDirector
Kevin BarnesDirector
Mario NicolaiDirector
Martin PattersonDirector
Orlando MesaDirector
Stephen AndersonDirector
Stewart LawrenceDirector
William RosakerDirector
Thomas ReaSecretarytreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,532,017
Investment Income
$4,843
Other Revenue
$0
Change in Net Assets
$299,159

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,536,860
Total Revenue per Audited Statements
$3,536,860
Total Revenue per Form 990
$3,536,860
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,000,894
Other Expenses$1,236,807
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---$1,598,876
Fees for Services Legal---$451,176
Other Salaries and Wages---$180,081
Occupancy---$159,866
Insurance---$151,482
Pension Plan Contributions---$138,210
Travel---$108,791
Conferences and Meetings---$99,742
Fees for Services Other---$99,263
Payroll Taxes---$83,727
Depreciation Depletion---$40,114
Office Expenses---$33,488
Advertising---$26,229
Other Expenses$6,724--$6,724
Fees for Services Accounting---$6,525
Total Functional Expenses$0$0$0$3,237,701

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,237,701
Total Expenses per Audited Statements$3,237,701
Total Expenses per Form 990$3,237,701
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
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Governing body meeting documentation Part VI line 8A

“Minutes are maintained for all board meetings.”

Committee meeting documentation Part VI line 8B

“Minutes are maintained for all major committee meetings.”

Form 990 governing body review Part VI line 11

“The form 990 is prepared by an external, independent auditing firm. Eccho reviews the 990 upon receipt and verifies the information against its internal records through its accounting software and payroll processor. Any modifications that are necessary are made by the external independent auditing firm prior to the 990 being executed by the president and filed with the irs.”

CEO executive director top management comp Part VI line 15A

“The president and executive vice president's compensation are reviewed/approved by eccho's personnel committee which is a subcommittee of the board of directors.”

Other officer or key employee compensation Part VI line 15B

“Other employee compensation is at the discretion of the president within parameters of the annual budget approval process of the board of directors. The board/personnel committee has, in the past, used an outside consulting firm as an aid to its compensation deliberations.”

Form 990 availability to public Part VI line 18

“The form 990 is available for review on guide star or at the organizations administrative office upon request.”

Governing documents etc available to public Part VI line 19

“Eccho is not a publicly traded company and has no stock. The primary result of eccho's activities is in the eccho operating rules and commentary which is available publicly through the ecchowebsite at www.eccho.org”

Filing and Contact Details

Filer

EIN
94-3114599

Signing Officer

Name
David Walker
Title
Ceopresident
Phone
2142733200
Signed
2014-10-09
Discuss with paid preparer
Yes

Organization Details

Formed
1990
Legal Domicile
TX
Voting Board Members
38
Independent Board Members
38
Employees
10

Preparer

Preparer
Jennifer S Hill
Phone
9722705452
Supplemental Narrative

Financial Statement Notes

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

“Eccho received recognition as an organization exempt from federal income tax pursuant to section 501(c)(6) of the united states internal revenue code. In june, 2006, the financial accounting stndards board issued fasb acs 740, accounting for uncertainty in income taxes. Fasbasc 740 clarifies the accounting for uncertainty in income taxes recognized in an entity's (including non-profit organizations) financial statements. This interpretation prescribes a recognition threshold and measurement attribute for the financial statement recognition and measurement of a tax posistion taken or expected to be taken in a tax return. In addition, fasb asc 740 provides guidanceon recognition, classification, interest and penalities, accounting in interim periods, disclosure and transition. Eccho files an annual infromation return. With few exceptions, eccho is no longer subject to federal income tax examinations by tax authorities for years before january, 1 2010. As of december 31, 2013 and 2012, eccho has taken no uncertain tax posistions for which recognition in the financial statements would be required.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15SECRETARYTREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20CEOPRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP
IRS990/Form990PartVIISectionAGrp/TitleTxt22VP
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTORBUSINESS DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTORPRODUCT MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt25KEY EMPLOYEE
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IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
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IRS990/OtherExpensesGrp/Desc0PROPERTY TAX
IRS990/OtherExpensesGrp/Desc1DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc2MATCHING CONTRIBUTIONS
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0ECCHO RECEIVED RECOGNITION AS AN ORGANIZATION EXEMPT FROM FEDERAL INCOME TAX PURSUANT TO SECTION 501(C)(6) OF THE UNITED STATES INTERNAL REVENUE CODE. IN JUNE, 2006, THE FINANCIAL ACCOUNTING STNDARDS BOARD ISSUED FASB ACS 740, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. FASBASC 740 CLARIFIES THE ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES RECOGNIZED IN AN ENTITY'S (INCLUDING NON-PROFIT ORGANIZATIONS) FINANCIAL STATEMENTS. THIS INTERPRETATION PRESCRIBES A RECOGNITION THRESHOLD AND MEASUREMENT ATTRIBUTE FOR THE FINANCIAL STATEMENT RECOGNITION AND MEASUREMENT OF A TAX POSISTION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. IN ADDITION, FASB ASC 740 PROVIDES GUIDANCEON RECOGNITION, CLASSIFICATION, INTEREST AND PENALITIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION. ECCHO FILES AN ANNUAL INFROMATION RETURN. WITH FEW EXCEPTIONS, ECCHO IS NO LONGER SUBJECT TO FEDERAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE JANUARY, 1 2010. AS OF DECEMBER 31, 2013 AND 2012, ECCHO HAS TAKEN NO UNCERTAIN TAX POSISTIONS FOR WHICH RECOGNITION IN THE FINANCIAL STATEMENTS WOULD BE REQUIRED.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0Footnote for uncertain tax position under FIN 48 (Part X)
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Document Assets

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Filings

Displayed year

2013 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$2,991,806
Liabilities
$1,259,729
Net assets
$1,732,077
Revenue
$3,536,860
Expenses
$3,237,701
Net income
$299,159
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.62$0.01$0.62$3.99$7.10$3.12
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.24$1.05$2.19$3.95$3.76$0.20
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.02$1.02$2.00$3.56$3.51$0.05
2014Detailed filing. Detailed filing data is available for this year.$3.17$1.22$1.95$3.58$3.37$0.21
2013Detailed filing. Detailed filing data is available for this year.$2.99$1.26$1.73$3.54$3.24$0.30
2012Summary only. Only limited summary data is available for this year.$2.10$0.67$1.43$3.34$3.04$0.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.14$1.00$1.14$3.23
2010XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.04$0.65$1.38$2.92