Civic Intelligence

Carbondale Highway Credit Union

EIN 37-0797918 • 501(c)14 • Carbondale, IL

Profile

The credit union is a cooperative financial institution that is owned and controlled by our members. The membership votes annually (by proxy)to elect nine (9) member volunteer board of directors. Votes may be cast in person by those in attendance at the annual meeting. Any changes made to the credit union by-laws require approval by the membership.

PO Box 713Carbondale, IL 62903

n/A

Siviq Scores

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

Liabilities / Assets

53rd percentile

0.85x

Higher debt load relative to assets than 53% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

66th percentile

17.29x

Higher debt load relative to revenue than 66% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Net Margin

57th percentile

5.2%

Higher net margin than 57% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

59th percentile

$65,100

Higher top officer pay than 59% of similar nonprofits.

Top officer pay equals 23.7% of source-year revenue.

501(c)14 • $5M-$10M nonprofits • Source year 2025

Asset Growth

36th percentile

-4.2%

Faster asset growth than 36% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

45th percentile

4.0%

Faster revenue growth than 45% of similar nonprofits.

501(c)14 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets53rd percentile

Assets

Down

$5,598,786

Down $243,768 (-4.2%) from 2024

Liabilities

Down

$4,743,999

Down $258,135 (-5.2%) from 2024

Net Assets

Up

$854,787

Up $14,367 (+1.7%) from 2024

Operations
Liabilities / Revenue66th percentileNet Margin57th percentile

Revenue

Up

$274,360

Up $10,674 (+4.0%) from 2024

Expenses

Up

$259,993

Up $17,148 (+7.1%) from 2024

Net Income

Down

$14,367

Down $6,474 (-31%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth36th percentile

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

$6.0M$4.0M$2.0M$0Assets 2020: $5,376,621Liabilities 2020: $4,632,259Net Assets 2020: $744,3622020Assets 2021: $5,548,040Liabilities 2021: $4,779,495Net Assets 2021: $768,5452021Assets 2022: $5,469,705Liabilities 2022: $4,686,971Net Assets 2022: $782,7342022Assets 2023: $5,264,759Liabilities 2023: $4,445,180Net Assets 2023: $819,5792023Assets 2024: $5,842,554Liabilities 2024: $5,002,134Net Assets 2024: $840,4202024Assets 2025: $5,598,786Liabilities 2025: $4,743,999Net Assets 2025: $854,7872025

Highlighted filing

2025

Assets$5,598,786
Liabilities$4,743,999
Net Assets$854,787
Open 2025 Filing

Operations Trend

Revenue Growth45th percentile

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

$300K$200K$100K$0Revenue 2020: $189,540Expenses 2020: $183,257Net Income 2020: $6,2832020Revenue 2021: $218,931Expenses 2021: $194,748Net Income 2021: $24,1832021Revenue 2022: $203,767Expenses 2022: $189,578Net Income 2022: $14,1892022Revenue 2023: $244,394Expenses 2023: $207,549Net Income 2023: $36,8452023Revenue 2024: $263,686Expenses 2024: $242,845Net Income 2024: $20,8412024Revenue 2025: $274,360Expenses 2025: $259,993Net Income 2025: $14,3672025

Highlighted filing

2025

Revenue$274,360
Expenses$259,993
Net Income$14,367
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$5,598,786
Liabilities
$4,743,999
Net assets
$854,787
Revenue
$274,360
Expenses
$259,993
Net income
$14,367
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$5.60$4.74$0.85$0.27$0.26$0.01
2024Detailed filing. Detailed filing data is available for this year.$5.84$5.00$0.84$0.26$0.24$0.02
2023Detailed filing. Detailed filing data is available for this year.$5.26$4.45$0.82$0.24$0.21$0.04
2022Detailed filing. Detailed filing data is available for this year.$5.47$4.69$0.78$0.20$0.19$0.01
2021Detailed filing. Detailed filing data is available for this year.$5.55$4.78$0.77$0.22$0.19$0.02
2020Detailed filing. Detailed filing data is available for this year.$5.38$4.63$0.74$0.19$0.18$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 25, 2026
Return Version
2025v4.0
Gross Receipts
$274,360
Mission and Program Overview

Mission

The credit union is a cooperative financial institution that is owned and controlled by our members. The membership votes annually (by proxy)to elect nine (9) member volunteer board of directors. Votes may be cast in person by those in attendance at the annual meeting. Any changes made to the credit union by-laws require approval by the membership.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$2,479,580$2,537,666▲ $58,086
Savings and Temporary Cash Investments$2,322,345$2,296,116▼ $26,229
Rtn Earn Endowment Incm Other Fnds$840,420$854,787▲ $14,367
Cash and Non-Interest-Bearing Accounts$876,368$692,558▼ $183,810
Investments Other Securities$100,000$0▼ $100,000
Prepaid Expenses and Deferred Charges$3,441$4,546▲ $1,105
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Receivables From Officers Etc-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Land, Buildings, and Equipment, Net-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$5,842,554$5,598,786▼ $243,768
Other Assets Total$60,820$67,900▲ $7,080
Liabilities
Mortgage Notes Payable Secured by Investment Property$4,975,819$4,733,481▼ $242,338
Accounts Payable and Accrued Expenses$26,315$10,518▼ $15,797
Total Liabilities$5,002,134$4,743,999▼ $258,135
Net Assets / Fund Balance
Total Net Assets Fund Balance$840,420$854,787▲ $14,367
Total Liabilities and Net Assets / Fund Balance$5,842,554$5,598,786▼ $243,768

Asset Categories

AssetBook ValueDepreciationBasis
Equipment-$56,306$56,306
Compensation and Service Providers
Top Officer Pay59th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Virginia ArchambeauManager/CEOFT$65,100$65,100

Board Members and Trustees

NameTitle
Aaron HayesChairperson
Valerie RollaVice Chair
Robert CockrumCred COM Memb
Carrie NelsenCredit COM Memb
J Travis EmeryCredit COM Memb
Keith MileyCredit COM Memb
Ryan GuthmanSuper COM Memb
Scott StrackSuper COM Memb
GeorgeshepardSuper Comm Memb
Joe ZdankiewiczTreasurer/Sec
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$0
Investment Income
$92,741
Other Revenue
$181,619
Change in Net Assets
$14,367
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$166,760
Other Expenses$93,233
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$81,196
Current Officers, Directors, Trustees, and Key Employees---$65,100
Office Expenses---$33,182
All Other Expenses---$13,373
Payroll Taxes---$12,584
Fees for Services Accounting---$9,125
Insurance---$8,107
Pension Plan Contributions---$6,300
Conferences and Meetings---$4,340
Other Expenses---$3,855
Other Employee Benefits---$1,580
Total Functional Expenses$0$0$0$259,993
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Disqualified Persons-$0-
Receivables from Officers, Directors, Trustees, and Key Employees-$0-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
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
Yes
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The supervisory committee met and voted to retain an outside accounting firm to prepare the federal form 990. Once the from 990 is completed by the external accounting firm, the return is reviewed by the president and supervisory committee. This committee is provided access to all working papers used to rpepare the tax return to ensure accuracy. The supervisory committee advises the remaining board of directors of the completion of the annual form 990 and appropriate schedules at the next regulary scheduled meeting.”

Form 990, Part VI, Section B, Line 15B

“The board establishes a personnel committee which is responsible for annual evaluation of both credit union employees. Salary recommendations are made to the remaining board based on performance, cost of living/inflationary changes, as well as the financial position and condition of the credit union.”

Form 990, Part VI, Section C, Line 18

“The credit union makes its own governing documents and financial statements available to the public upon request, written or verbal.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its own governing documents and financial statements available to the public upon request, written or verbal.”

Filing and Contact Details

Filer

Filer Name
Carbondale Highway Credit Union
EIN
37-0797918
Phone
6185496624
Address
PO BOX 713, CARBONDALE, IL 62903

Signing Officer

Name
Virginia Archambeau
Title
Manager
Signed
2026-02-25
Discuss with paid preparer
Yes

Organization Details

Formed
1951
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
3

Preparer

Firm
Williams-richards Ltd
Address
2501 W Murphysboro Rd, Carbondale, IL 62901
Preparer
Leslie P Williams
Phone
6184901548
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IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/TotalAmt00
IRS990/OfficeExpensesGrp/TotalAmt033182
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt060820
IRS990/OtherAssetsTotalGrp/EOYAmt067900
IRS990/OtherEmployeeBenefitsGrp/TotalAmt01580
IRS990/OtherExpensesGrp/Desc0MERCHANT SERVICE FEES
IRS990/OtherExpensesGrp/Desc1SERVICES CHARGES AND ACH FEES
IRS990/OtherExpensesGrp/Desc2PROVISION FOR LOAN LOSSES
IRS990/OtherExpensesGrp/Desc3SUPERVISION
IRS990/OtherExpensesGrp/TotalAmt09880
IRS990/OtherExpensesGrp/TotalAmt16371
IRS990/OtherExpensesGrp/TotalAmt25000
IRS990/OtherExpensesGrp/TotalAmt33855
IRS990/OtherInd0X
IRS990/OtherRevenueMiscGrp/BusinessCd0522100
IRS990/OtherRevenueMiscGrp/BusinessCd1522100
IRS990/OtherRevenueMiscGrp/Desc0INTEREST ON LOANS
IRS990/OtherRevenueMiscGrp/Desc1MEMBERS FEES & CHARGES
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt0178551
IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt13068
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt0178551
IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt13068
IRS990/OtherRevenueTotalAmt0181619
IRS990/OtherSalariesAndWagesGrp/TotalAmt081196
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt02479580
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt02537666
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/TotalAmt012584
IRS990/PensionPlanContributionsGrp/TotalAmt06300
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt03441
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt04546
IRS990/ProfessionalFundraisingInd0false
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYInvestmentIncomeAmt082155
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt081929
IRS990/PYOtherRevenueAmt0181531
IRS990/PYRevenuesLessExpensesAmt020841
IRS990/PYSalariesCompEmpBnftPaidAmt0160916
IRS990/PYTotalExpensesAmt0242845
IRS990/PYTotalRevenueAmt0263686
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt00
IRS990/ReconcilationRevenueExpnssAmt014367
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt0840420
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt0854787
IRS990/SavingsAndTempCashInvstGrp/BOYAmt02322345
IRS990/SavingsAndTempCashInvstGrp/EOYAmt02296116
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/EquipmentGrp/DepreciationAmt056306
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt056306
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE SUPERVISORY COMMITTEE MET AND VOTED TO RETAIN AN OUTSIDE ACCOUNTING FIRM TO PREPARE THE FEDERAL FORM 990. ONCE THE FROM 990 IS COMPLETED BY THE EXTERNAL ACCOUNTING FIRM, THE RETURN IS REVIEWED BY THE PRESIDENT AND SUPERVISORY COMMITTEE. THIS COMMITTEE IS PROVIDED ACCESS TO ALL WORKING PAPERS USED TO RPEPARE THE TAX RETURN TO ENSURE ACCURACY. THE SUPERVISORY COMMITTEE ADVISES THE REMAINING BOARD OF DIRECTORS OF THE COMPLETION OF THE ANNUAL FORM 990 AND APPROPRIATE SCHEDULES AT THE NEXT REGULARY SCHEDULED MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD ESTABLISHES A PERSONNEL COMMITTEE WHICH IS RESPONSIBLE FOR ANNUAL EVALUATION OF BOTH CREDIT UNION EMPLOYEES. SALARY RECOMMENDATIONS ARE MADE TO THE REMAINING BOARD BASED ON PERFORMANCE, COST OF LIVING/INFLATIONARY CHANGES, AS WELL AS THE FINANCIAL POSITION AND CONDITION OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION MAKES ITS OWN GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST, WRITTEN OR VERBAL.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE CREDIT UNION MAKES ITS OWN GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST, WRITTEN OR VERBAL.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section B, Line 15b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section C, Line 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section C, Line 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0IL
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt05842554
IRS990/TotalAssetsEOYAmt05598786
IRS990/TotalAssetsGrp/BOYAmt05842554
IRS990/TotalAssetsGrp/EOYAmt05598786
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt00
IRS990/TotalFunctionalExpensesGrp/TotalAmt0259993
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt05002134
IRS990/TotalLiabilitiesEOYAmt04743999
IRS990/TotalLiabilitiesGrp/BOYAmt05002134
IRS990/TotalLiabilitiesGrp/EOYAmt04743999
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0840420
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0854787
IRS990/TotalProgramServiceRevenueAmt00
IRS990/TotalReportableCompFromOrgAmt065100
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0274360
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0274360
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt05842554
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt05598786
IRS990/TravelGrp/TotalAmt00
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0PO BOX 713
IRS990/USAddress/CityNm0CARBONDALE
IRS990/USAddress/StateAbbreviationCd0IL
IRS990/USAddress/ZIPCd0629030713
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0VIRGINIA ARCHAMBEAU
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Manager
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-25
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0CARBONDALE HIGHWAY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0CARB
ReturnHeader/Filer/EIN0370797918
ReturnHeader/Filer/PhoneNum06185496624
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 713
ReturnHeader/Filer/USAddress/CityNm0CARBONDALE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0IL
ReturnHeader/Filer/USAddress/ZIPCd062903
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0815279344
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0WILLIAMS-RICHARDS LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt02501 W Murphysboro Rd
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Carbondale
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd062901
ReturnHeader/PreparerPersonGrp/PhoneNum06184901548
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0LESLIE P WILLIAMS
ReturnHeader/ReturnTs02026-02-25T12:12:35-08:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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