I am a 21 year old female who has been an active/healthy gymnast for 14 years. My BP is 117/74, give or take a few. My EKG is well within normal range and sinus tachycardia has been ruled out (my mom works for doctors).

Normally it isn't 100+ although that has happened a few times.  The one time I remember was a few months ago when I was hanging out at my mom's work waiting for her to get off and grab lunch with me.  I took my resting pulse and it was 113.  The other day I was doing clinical research and the subject had to rest for 20 minutes.  While keep time, I laid down on the other bed and was half asleep for most of the time.  About 15 minutes in, I took my resting pulse and it was 88.  This is a pretty common number for my resting pulse.

Considering I am a young white healthy female athlete who works out 20 hours a week, this seems really high for a resting pulse.  Any idea what could be causing this, if it is something to worry about, and how I can get it down?

There is a history of heart attacks in my family with the men on my father's side. No women in my family have had heart problems and my father regularly visits a cardiologist and has had nothing but good news.