Civic Intelligence

Electronic Check Clearing House Organization Inc

990 • Fiscal year 2014 • EIN 94-3114599

Jan 01, 2014 to Dec 31, 2014 • Filed on May 11, 2015

Organization ProfileWWW.ECCHO.ORG

View Organization Page

3710 Rawlins StDallas, TX 75219

(214) 273-3200

Siviq Scores

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

Liabilities / Assets

73rd percentile

0.39x

Higher debt load relative to assets than 73% of similar nonprofits.

2014 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2014

Liabilities / Revenue

68th percentile

0.34x

Higher debt load relative to revenue than 68% of similar nonprofits.

2014 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2014

Net Margin

61st percentile

6.0%

Higher net margin than 61% of similar nonprofits.

2014 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2014

Top Officer Pay

99th percentile

$624,697

Higher top officer pay than 99% of similar nonprofits.

Top officer pay equals 17.4% of source-year revenue.

2014 filings • 501(c)6 • $1M-$5M nonprofits • Source year 2014

Asset Growth

58th percentile

6.0%

Faster asset growth than 58% of similar nonprofits.

2014 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Revenue Growth

39th percentile

1.3%

Faster revenue growth than 39% of similar nonprofits.

2014 filings • 501(c)6 • $1M-$5M nonprofits • Annualized from 2013 to 2014

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$3,170,622

Up $178,816 (+6.0%) from 2013

Net Assets

Up

$1,946,671

Up $214,594 (+12%) from 2013

Liabilities

Down

$1,223,951

Down $35,778 (-2.8%) from 2013

Revenue And Expenses
Liabilities / Revenue68th percentileNet Margin61st percentile

Revenue

Up

$3,584,118

Up $47,258 (+1.3%) from 2013

Expenses

Up

$3,369,524

Up $131,823 (+4.1%) from 2013

Net Income

Down

$214,594

Down $84,565 (-28%) from 2013

Historical Trend

Balance Sheet Trend

Asset Growth58th 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

2014

Assets$3,170,622
Liabilities$1,223,951
Net Assets$1,946,671
Open 2014 Filing

Operations Trend

Revenue Growth39th 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

2014

Revenue$3,584,118
Expenses$3,369,524
Net Income$214,594
Open 2014 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2014 to Dec 31, 2014
Signed
May 11, 2015
Return Version
2014v5.0
Gross Receipts
$3,584,118
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$2,574,652$2,728,878▲ $154,226
Cash and Non-Interest-Bearing Accounts$229,214$268,136▲ $38,922
Land, Buildings, and Equipment, Net$104,514$98,502▼ $6,012
Accounts Receivable$61,413$42,406▼ $19,007
Prepaid Expenses and Deferred Charges$22,013$32,700▲ $10,687
Total Assets$2,991,806$3,170,622▲ $178,816
Liabilities
Deferred Revenue$1,175,921$1,133,355▼ $42,566
Accounts Payable and Accrued Expenses$83,808$90,596▲ $6,788
Total Liabilities$1,259,729$1,223,951▼ $35,778
Net Assets / Fund Balance
Unrestricted Net Assets$1,732,077$1,946,671▲ $214,594
Total Net Assets Fund Balance$1,732,077$1,946,671▲ $214,594
Total Liabilities and Net Assets / Fund Balance$2,991,806$3,170,622▲ $178,816

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$347,106-$347,106
Other Land Buildings$-248,604$248,604-
Compensation and Service Providers
Top Officer Pay99th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
David WalkerCeopresidentFT$584,378$40,319$624,697
Phyllis MeyersonVPFT$324,495$40,319$364,814
Jennifer JohnsonKey EmployeeFT$224,340$34,790$259,130
Ellen HeffnerDirectorproduct ManagementFT$180,500$40,319$220,819
Scott MillerDirectorbusiness DevelopmentFT$154,769$34,914$189,683
Elizabeth WestbrookVPFT$153,000$26,895$179,895

Board Members and Trustees

NameTitle
Kim BunnChairman
Mario NicolaiVice Chair
Anthony GerevicsDirector
Beverly BoostromDirector
Colleen AndresDirector
Diane ShulerDirector
Donald BarryDirector
Gary McknightDirector
Howard RussellDirector
James KoziolDirector
Jeff JaggersDirector
John FeldmanDirector
Kenneth TippyDirector
Kevin BarnesDirector
Martin PattersonDirector
Paul NowosiadlyDirector
Stewart LawrenceDirector
Thomas ReaDirector
Stephen AndersonSecretarytreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$3,579,892
Investment Income
$4,226
Other Revenue
$0
Change in Net Assets
$214,594

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,584,118
Total Revenue per Audited Statements
$3,584,118
Total Revenue per Form 990
$3,584,118
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$2,091,352
Other Expenses$1,278,172
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---$1,621,482
Fees for Services Legal---$463,222
Other Salaries and Wages---$241,315
Occupancy---$170,709
Pension Plan Contributions---$141,774
Insurance---$122,452
Travel---$120,036
Fees for Services Other---$118,339
Conferences and Meetings---$102,302
Payroll Taxes---$86,781
Depreciation Depletion---$49,428
Office Expenses---$27,990
Advertising---$27,182
Other Expenses$10,182--$10,182
Fees for Services Accounting---$8,425
Total Functional Expenses$0$0$0$3,369,524

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,369,524
Total Expenses per Audited Statements$3,369,524
Total Expenses per Form 990$3,369,524
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 organization's 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 eccho website at www.eccho.org.”

Filing and Contact Details

Filer

Filer Name
Electronic Check Clearing House Organization Inc
EIN
94-3114599
Address
3710 RAWLINS ST, Dallas, TX 75219

Signing Officer

Name
Elizabeth Westbrook
Title
VP
Phone
2142733200
Signed
2015-05-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
David Walker
Formed
1990
Legal Domicile
TX
Voting Board Members
19
Independent Board Members
19
Employees
10

Preparer

Firm
Albright Hill and Sumpter PC
Address
105 Saint Marys St Suite 100, Rockwall, TX 75087
Preparer
Jennifer S Hill
Phone
9722705452
Supplemental Narrative

Financial Statement Notes

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

“In 2003, 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 asc 740, accounting for uncertainty in income taxes. Fasb asc 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 position taken or expected to be taken in a tax return. In addition, fasb asc 740 provides guidance on derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. Eccho files an annual information return. With few exceptions, eccho is no longer subject to federal income tax examinations by tax authorities for years before 2011. As of december 31, 2014 and 2013, eccho has taken no uncertain tax positions for which recognition in the financial statements would be required.”

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IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3SECRETARYTREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19CEOPRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt20VP
IRS990/Form990PartVIISectionAGrp/TitleTxt21VP
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTORBUSINESS DEVELOPMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTORPRODUCT MANAGEMENT
IRS990/Form990PartVIISectionAGrp/TitleTxt24KEY EMPLOYEE
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IRS990/OtherExpensesGrp/Desc2MATCHING CONTRIBUTIONS
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IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0IN 2003, 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 ASC 740, ACCOUNTING FOR UNCERTAINTY IN INCOME TAXES. FASB ASC 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 POSITION TAKEN OR EXPECTED TO BE TAKEN IN A TAX RETURN. IN ADDITION, FASB ASC 740 PROVIDES GUIDANCE ON DERECOGNITION, CLASSIFICATION, INTEREST AND PENALTIES, ACCOUNTING IN INTERIM PERIODS, DISCLOSURE AND TRANSITION. ECCHO FILES AN ANNUAL INFORMATION RETURN. WITH FEW EXCEPTIONS, ECCHO IS NO LONGER SUBJECT TO FEDERAL INCOME TAX EXAMINATIONS BY TAX AUTHORITIES FOR YEARS BEFORE 2011. AS OF DECEMBER 31, 2014 AND 2013, ECCHO HAS TAKEN NO UNCERTAIN TAX POSITIONS FOR WHICH RECOGNITION IN THE FINANCIAL STATEMENTS WOULD BE REQUIRED.
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Document Assets

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Filings

Displayed year

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

Open filing
Assets
$3,170,622
Liabilities
$1,223,951
Net assets
$1,946,671
Revenue
$3,584,118
Expenses
$3,369,524
Net income
$214,594
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