Civic Intelligence

Division 10 Highway Employees' Credit Union

EIN 43-6032519 • 501(c)14 • Sikeston, MO

Profile

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

741 York DriveSikeston, MO 63801-3309

www.div10hecu.com

Siviq Scores

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

Liabilities / Assets

44th percentile

0.84x

Higher debt load relative to assets than 44% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Liabilities / Revenue

20th percentile

11.17x

Higher debt load relative to revenue than 20% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Net Margin

55th percentile

9.8%

Higher net margin than 55% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Top Officer Pay

65th percentile

$94,719

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 5.4% of source-year revenue.

501(c)14 • $10M-$25M nonprofits • Source year 2024

Asset Growth

22nd percentile

-4.8%

Faster asset growth than 22% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

89th percentile

20%

Faster revenue growth than 89% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets44th percentile

Assets

Up

$23,148,055

Up $2,641,157 (+13%) from 2022

Liabilities

Up

$19,514,940

Up $2,359,679 (+14%) from 2022

Net Assets

Up

$3,633,115

Up $281,478 (+8.4%) from 2022

Operations
Liabilities / Revenue20th percentileNet Margin55th percentile

Revenue

Up

$1,747,285

Up $664,395 (+61%) from 2022

Expenses

Up

$1,575,449

Up $736,914 (+88%) from 2022

Net Income

Down

$171,836

Down $72,519 (-30%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth22nd percentile

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

$30M$20M$10M$0Assets 2010: $11,705,868Liabilities 2010: $9,203,918Net Assets 2010: $2,501,9502010Assets 2011: $11,554,439Liabilities 2011: $8,975,269Net Assets 2011: $2,579,1702011Assets 2012: $11,669,120Liabilities 2012: $9,075,541Net Assets 2012: $2,593,5792012Assets 2013: $11,520,524Liabilities 2013: $8,932,518Net Assets 2013: $2,588,0062013Assets 2014: $11,848,054Liabilities 2014: $9,264,278Net Assets 2014: $2,583,7762014Assets 2015: $11,929,383Liabilities 2015: $9,315,607Net Assets 2015: $2,613,7762015Assets 2016: $11,497,160Liabilities 2016: $8,831,946Net Assets 2016: $2,665,2142016Assets 2017: $11,243,087Liabilities 2017: $8,511,589Net Assets 2017: $2,731,4982017Assets 2018: $12,818,318Liabilities 2018: $10,032,792Net Assets 2018: $2,785,5262018Assets 2020: $17,254,329Liabilities 2020: $14,299,032Net Assets 2020: $2,955,2972020Assets 2021: $19,583,781Liabilities 2021: $16,476,499Net Assets 2021: $3,107,2822021Assets 2022: $20,506,898Liabilities 2022: $17,155,261Net Assets 2022: $3,351,6372022Assets 2024: $23,148,055Liabilities 2024: $19,514,940Net Assets 2024: $3,633,1152024

Highlighted filing

2024

Assets$23,148,055
Liabilities$19,514,940
Net Assets$3,633,115
Open 2024 Filing

Operations Trend

Revenue Growth89th percentile

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

$2.0M$1.5M$1.0M$500K$0-$500KExpenses 2010: $355,1582010Expenses 2011: $330,6372011Expenses 2012: $312,5722012Revenue 2013: $294,273Expenses 2013: $299,846Net Income 2013: -$5,5732013Revenue 2014: $303,351Expenses 2014: $307,581Net Income 2014: -$4,2302014Revenue 2015: $329,029Expenses 2015: $299,029Net Income 2015: $30,0002015Revenue 2016: $352,867Expenses 2016: $301,429Net Income 2016: $51,4382016Revenue 2017: $414,981Expenses 2017: $348,697Net Income 2017: $66,2842017Revenue 2018: $556,368Expenses 2018: $502,340Net Income 2018: $54,0282018Revenue 2020: $796,864Expenses 2020: $706,398Net Income 2020: $90,4662020Revenue 2021: $866,534Expenses 2021: $714,549Net Income 2021: $151,9852021Revenue 2022: $1,082,890Expenses 2022: $838,535Net Income 2022: $244,3552022Revenue 2024: $1,747,285Expenses 2024: $1,575,449Net Income 2024: $171,8362024

Highlighted filing

2024

Revenue$1,747,285
Expenses$1,575,449
Net Income$171,836
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$23,148,055
Liabilities
$19,514,940
Net assets
$3,633,115
Revenue
$1,747,285
Expenses
$1,575,449
Net income
$171,836
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$23.1$19.5$3.63$1.75$1.58$0.17
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$20.5$17.2$3.35$1.08$0.84$0.24
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.6$16.5$3.11$0.87$0.71$0.15
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$17.3$14.3$2.96$0.80$0.71$0.09
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.8$10.0$2.79$0.56$0.50$0.05
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.2$8.51$2.73$0.41$0.35$0.07
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$11.5$8.83$2.67$0.35$0.30$0.05
2015Detailed filing. Detailed filing data is available for this year.$11.9$9.32$2.61$0.33$0.30$0.03
2014Detailed filing. Detailed filing data is available for this year.$11.8$9.26$2.58$0.30$0.31$0.00
2013Detailed filing. Detailed filing data is available for this year.$11.5$8.93$2.59$0.29$0.30$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.7$9.08$2.59$0.31
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.6$8.98$2.58$0.33
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.7$9.20$2.50$0.36
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Oct 23, 2025
Return Version
2024v5.2
Gross Receipts
$1,747,285
Mission and Program Overview

Mission

To provide high quality financial services for our members/owners, enhancing their financial well-being while maintaining the financial strength of the credit union.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$19,205,510$19,788,187▲ $582,677
Rtn Earn Endowment Incm Other Fnds$3,461,279$3,633,115▲ $171,836
Savings and Temporary Cash Investments$3,451,544$1,714,009▼ $1,737,535
Land, Buildings, and Equipment, Net$835,400$795,997▼ $39,403
Receivables From Officers Etc$48,000$96,000▲ $48,000
Cash and Non-Interest-Bearing Accounts$96,688$59,079▼ $37,609
Prepaid Expenses and Deferred Charges$67,625$36,744▼ $30,881
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$24,308,229$23,148,055▼ $1,160,174
Other Assets Total$603,462$658,039▲ $54,577
Liabilities
Other Liabilities$20,570,161$19,237,927▼ $1,332,234
Accounts Payable and Accrued Expenses$270,588$264,414▼ $6,174
Escrow Account Liability$6,201$12,599▲ $6,398
Total Liabilities$20,846,950$19,514,940▼ $1,332,010
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,461,279$3,633,115▲ $171,836
Total Liabilities and Net Assets / Fund Balance$24,308,229$23,148,055▼ $1,160,174

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$669,310$111,007$780,317
Equipment$26,515$91,447$117,962
Land$100,172-$100,172
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Lindi PrindlePresidentFT$89,478$5,241$94,719

Board Members and Trustees

NameTitle
Jeffery WachterChairman
David WymanVice Chairman
Brooks PrattDirector
Jessie Benji PhilpotDirector
Mark PfefferDirector
Spencer S PerryDirector
Michael BrandonSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,715,253
Investment Income
$32,032
Other Revenue
$0
Change in Net Assets
$171,836
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,228,944
Salaries, Compensation, and Employee Benefits$326,416
Grants and Similar Amounts Paid$20,089
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$231,716
Current Officers, Directors, Trustees, and Key Employees---$94,700
Office Expenses---$78,848
Advertising---$74,959
Information Technology---$54,938
All Other Expenses---$51,673
Occupancy---$40,934
Other Expenses---$39,222
Grants to Domestic Orgs---$20,089
Fees for Services Other---$18,607
Insurance---$14,631
Conferences and Meetings---$13,020
Depreciation Depletion---$12,377
Interest---$12,332
Fees for Services Accounting---$6,198
Total Functional Expenses$0$0$0$1,575,449
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Highway Hero Honoree ScholarshipSikeston, MO501(c)(3)To Support the Scholarship Program$20,089
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 Officers, Directors, Trustees, and Key Employees$48,000$96,000▲ $48,000
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Share Deposits$19,237,927
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Backup withholding compliance
Yes
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is mutually owned by members.”

Form 990, Part VI, Section A, Line 7A

“The board of directors are elected by the credit union members.”

Form 990, Part VI, Section A, Line 7B

“Certain significant changes are subject to approval by the credit union members; however, no such changes were made during the year.”

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

“The form 990 is reviewed by the compliance coordinator and president and presented to the supervisory audit committee.”

Form 990, Part VI, Section B, Line 15

“The compensation committee reviews the performance of employees, including the president, and determines compensation. Deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are presented at the annual meeting and are available upon request. In addition, the ncua website posts financial information as part of the quarterly call reports. Other documents, policies, and procedures are available upon request.”

Filing and Contact Details

Filer

Filer Name
Highway Crossroads Credit Union
EIN
43-6032519
Phone
5734725373
Address
741 YORK DRIVE, SIKESTON, MO 63801-3309

Signing Officer

Name
Amber Blissett Shephard
Title
President
Phone
5734725373
Signed
2025-10-23
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Amber Blissett Shephard
Formed
1953
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
0

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The credit union maintains escrow accounts for insurance and property taxes related to member real estate loans.”

Raw XML AppendixShowing 400 of 406 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0270588
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0264414
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.
IRS990/AdvertisingGrp/TotalAmt074959
IRS990/AllOtherExpensesGrp/TotalAmt051673
IRS990/AnnualDisclosureCoveredPrsnInd00
IRS990/BackupWthldComplianceInd01
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IRS990/BooksInCareOfDetail/PhoneNum05734725373
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0741 YORK DRIVE
IRS990/BooksInCareOfDetail/USAddress/CityNm0SIKESTON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MO
IRS990/BooksInCareOfDetail/USAddress/ZIPCd0638013309
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IRS990/CashNonInterestBearingGrp/EOYAmt059079
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IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
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IRS990/CYOtherRevenueAmt00
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IRS990/DecisionsSubjectToApprovaInd01
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IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt012377
IRS990/Desc0PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 2,421 MEMBERS.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt05
IRS990/EmploymentTaxReturnsFiledInd00
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IRS990/FamilyOrBusinessRlnInd00
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IRS990/FeesForServicesAccountingGrp/TotalAmt06198
IRS990/FeesForServicesOtherGrp/TotalAmt018607
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IRS990/ForeignFinancialAccountInd00
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IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
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IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt75241
IRS990/Form990PartVIISectionAGrp/PersonNm0JEFFERY WACHTER
IRS990/Form990PartVIISectionAGrp/PersonNm1DAVID WYMAN
IRS990/Form990PartVIISectionAGrp/PersonNm2MICHAEL BRANDON
IRS990/Form990PartVIISectionAGrp/PersonNm3SPENCER S PERRY
IRS990/Form990PartVIISectionAGrp/PersonNm4JESSIE BENJI PHILPOT
IRS990/Form990PartVIISectionAGrp/PersonNm5BROOKS PRATT
IRS990/Form990PartVIISectionAGrp/PersonNm6MARK PFEFFER
IRS990/Form990PartVIISectionAGrp/PersonNm7LINDI PRINDLE
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
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IRS990/Form990PartVIISectionAGrp/TitleTxt0CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt1VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt2SECRETARY/TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7PRESIDENT
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IRS990/MoreThan5000KToIndividualsInd00
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IRS990/NetUnrelatedBusTxblIncmAmt00
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IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2CARD EXPENSES
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING
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IRS990/PartialLiquidationInd00
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IRS990/PoliticalCampaignActyInd00
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IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt036744
IRS990/PrincipalOfficerNm0AMBER BLISSETT SHEPHARD
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2524298
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEES & OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc2WARRANTY SALES
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01497256
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1205889
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01497256
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1205889
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt212108
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt012108
IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, THERE WERE 1,371 LOANS OUTSTANDING TOTALING $19,788,187.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS AND INTEREST ON DEPOSITS TOTALING $499,026 FOR THE YEAR.
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt026504
IRS990/PYInvestmentIncomeAmt046987
IRS990/PYOtherExpensesAmt0959826
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01406678
IRS990/PYRevenuesLessExpensesAmt0134629
IRS990/PYSalariesCompEmpBnftPaidAmt0332706
IRS990/PYTotalExpensesAmt01319036
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01453665
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt048000
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt096000
IRS990/ReconcilationRevenueExpnssAmt0171836
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt03461279
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt03633115
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03451544
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01714009
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt0669310
IRS990ScheduleD/BuildingsGrp/DepreciationAmt0111007
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0780317
IRS990ScheduleD/EquipmentGrp/BookValueAmt026515
IRS990ScheduleD/EquipmentGrp/DepreciationAmt091447
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0117962
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt0100172
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0100172
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt019237927
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARE DEPOSITS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION MAINTAINS ESCROW ACCOUNTS FOR INSURANCE AND PROPERTY TAXES RELATED TO MEMBER REAL ESTATE LOANS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0795997
IRS990ScheduleD/TotalLiabilityAmt019237927
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/RecipientTable/CashGrantAmt020089
IRS990ScheduleI/RecipientTable/IRCSectionDesc0501(C)(3)
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt00
IRS990ScheduleI/RecipientTable/NonCashAssistanceDesc0MISCELLANEOUS OPERATING AND FUNDRAISER EXPENSES
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0TO SUPPORT THE SCHOLARSHIP PROGRAM
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0HIGHWAY HERO HONOREE SCHOLARSHIP
IRS990ScheduleI/RecipientTable/RecipientEIN0831672770
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0741 YORK DRIVE
IRS990ScheduleI/RecipientTable/USAddress/CityNm0SIKESTON
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0MO
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd0638013309
IRS990ScheduleI/RecipientTable/ValuationMethodUsedDesc0ACTUAL COST
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt096000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0COLLATERAL ASSIGNMENT SPLIT-DOLLAR AGREEMENT; WITH RECOURSE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0480000
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0LINDI PRINDLE
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0PRESIDENT
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd01
IRS990ScheduleL/TotalBalanceDueAmt096000
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER, NO SUCH CHANGES WERE MADE DURING THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE COMPLIANCE COORDINATOR AND PRESIDENT AND PRESENTED TO THE SUPERVISORY AUDIT COMMITTEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE COMPENSATION COMMITTEE REVIEWS THE PERFORMANCE OF EMPLOYEES, INCLUDING THE PRESIDENT, AND DETERMINES COMPENSATION. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5FINANCIAL STATEMENTS ARE PRESENTED AT THE ANNUAL MEETING AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleR/AssetExchangeInd00
IRS990ScheduleR/AssetPurchaseFromOtherOrgInd00
IRS990ScheduleR/AssetSaleToOtherOrgInd00
IRS990ScheduleR/DivRelatedOrganizationInd00
IRS990ScheduleR/GiftGrntCapContriFromOthOrgInd00
IRS990ScheduleR/GiftGrntOrCapContriToOthOrgInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ControlledOrganizationInd00
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine1Txt0HIGHWAY HERO HONOREE SCHOLARSHIP
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0831672770
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt0501(C)(3)
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd0MO
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PrimaryActivitiesTxt0CHARITABLE SCHOLARSHIP FOUNDATION
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt0PF
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0741 YORK DRIVE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0SIKESTON
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/StateAbbreviationCd0MO
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd063801
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd00
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd00
IRS990ScheduleR/PaidEmployeesSharingInd00
IRS990ScheduleR/PerformOfServicesByOtherOrgInd00
IRS990ScheduleR/PerformOfServicesForOthOrgInd00
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd00
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd00
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd00
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd00
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd00
IRS990ScheduleR/SharingOfFacilitiesInd00
IRS990ScheduleR/TransferFromOtherOrgInd00
IRS990ScheduleR/TransferToOtherOrgInd00
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt024308229
IRS990/TotalAssetsEOYAmt023148055
IRS990/TotalAssetsGrp/BOYAmt024308229
IRS990/TotalAssetsGrp/EOYAmt023148055
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt01575449
IRS990/TotalGrossUBIAmt012108
IRS990/TotalLiabilitiesBOYAmt020846950
IRS990/TotalLiabilitiesEOYAmt019514940
IRS990/TotalLiabilitiesGrp/BOYAmt020846950
IRS990/TotalLiabilitiesGrp/EOYAmt019514940
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03461279
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03633115
IRS990/TotalOtherCompensationAmt05241
IRS990/TotalProgramServiceRevenueAmt01715253
IRS990/TotalReportableCompFromOrgAmt089478
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01735177
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01747285
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt012108
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt024308229
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt023148055
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0741 YORK DRIVE
IRS990/USAddress/CityNm0SIKESTON
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0638013309
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.MYCROSSROADSCU.COM
IRS990/WhistleblowerPolicyInd01
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0AMBER BLISSETT SHEPHARD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05734725373
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-10-23
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HIGHWAY CROSSROADS CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HIGH
ReturnHeader/Filer/EIN0436032519
ReturnHeader/Filer/PhoneNum05734725373
ReturnHeader/Filer/USAddress/AddressLine1Txt0741 YORK DRIVE
ReturnHeader/Filer/USAddress/CityNm0SIKESTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0638013309
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0810781371
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0J TENBRINK & ASSOCIATES
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt011272 S RIDGEVIEW RD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OLATHE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0KS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0660616454
ReturnHeader/PreparerPersonGrp/PhoneNum09138946214
ReturnHeader/PreparerPersonGrp/PreparationDt02025-10-21

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