Upper Midwest Automated Clearing House Association Inc

Nonprofit profile at a glance

EIN
411380160
IRS 990 coverage
2011–2025
Forms available
Form 990 2025
Location
Brooklyn Park, MN, USA
Phone
7635497000
Rating confidence
Limited

Official website

Reported finances

Revenue
$2,812,069
Expenses
$2,726,649
Assets
$1,663,153
Liabilities
$124,165

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

18 people listed

Executive titles in this filing

  • ANGI FARREN (PRESIDENT/CEO)

Highest reported compensation

  • ANGI FARREN (PRESIDENT/CEO): $252,962 total reported compensation
  • JENNIFER MILLER (SENIOR DIRECTOR OF SERVICE): $177,789 total reported compensation
  • DANYELL POZORSKI (SENIOR DIRECTOR OF FINANCE): $139,734 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

It is our mission to bring clarity to complex rules and regulations by digging in to understand the needs of our members and clients and provide learning opportunities and consultative packages that best meet those needs.

What it reported doing in 2025

Umacha provides educational workshops, webinars, symposiums, and conferences to members and other industry stakeholders on electronic payments with a focus on the ach network. The face-to-face sessions are primarily in the upper midwest, while the virtual learning opportunities are open to anyone interested in the topic. The organization participated in 71 conferences, seminars and webinars during 2025.

Operating model

Revenue model
Earned-program. 98% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.

Rating breakdown

  • Financial Efficiency: NotEnoughData
  • Transparency & Controls: 82
  • Accountability: 100
  • Sustainability: 31
  • Growth: 60

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: Limited
  • Program expense ratio: Limited
  • Fundraising efficiency: Limited

Transparency & Controls

  • Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
  • Pay-setting controls: 4 of 6 controls in place; rating input score 67
    • Compensation committee: Pass
    • Independent consultant: Missing
    • Other Form 990s reviewed: Pass
    • Written employment contract: Missing
    • Compensation survey or study: Pass
    • Board or committee approval: Pass
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
  • Governance controls: 8 of 8 controls in place; rating input score 100
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Pass

Sustainability

  • Operating margin: 3%; rating input score 37; 37th percentile among comparable filings
  • Total-asset coverage ratio: 0.61; rating input score 20; 20th percentile among comparable filings
  • Liabilities to assets ratio: 0.07; rating input score 53; 53rd percentile among comparable filings
  • Officer compensation ratio: 25.9%; rating input score 10; 10th percentile among comparable filings

Growth

  • Program expense growth: -74.2% per year; rating input score 0; 0th percentile among comparable filings
  • Revenue growth: 3.5% per year; rating input score 100; 26th percentile among comparable filings
  • Asset growth: 0.5% per year; rating input score 100; 12th percentile among comparable filings

Details

  • Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
  • Governance: 14 of 14 board members independent · 8 of 8 filing controls reported
  • Programs: 3 filed program accomplishments
  • Leadership: top reported pay $253K · 18 people listed · 4 of 6 pay-setting controls reported
  • Consistency: 12 of 12 current checks pass
  • Schedules: 4 filed schedules · includes executive pay
  • Filing history: 15 filing years from 2011 to 2025
  • Contacts: How to reach this organization
  • Money network: 4 filed money-flow records
  • Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
  • People: Everyone the filings name, and which of them the filings identify by more than a name.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Growth: Program expense growth scored 0/100.
  • Moderate — Sustainability: Operating margin scored 37/100.
  • High — Sustainability: Total-asset coverage ratio scored 20/100.
  • High — Sustainability: Officer compensation ratio scored 10/100.
  • Review — Sustainability: Liabilities to assets ratio scored 53/100.