Civic Intelligence

Division #6 Highway Credit Union

EIN 43-6034197 • 501(c)14 • Town And Country, MO

Profile

To provide cooperative financial services to modot and missouri state highway patrol employees and their families.

14323 S Outer Forty 100 SouthTown And Country, MO 63017

www.d6hcu.com

Siviq Scores

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

Liabilities / Assets

3rd percentile

0.00x

Higher debt load relative to assets than 3% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Liabilities / Revenue

6th percentile

0.04x

Higher debt load relative to revenue than 6% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Net Margin

52nd percentile

7.9%

Higher net margin than 52% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

46th percentile

-0.8%

Faster asset growth than 46% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Revenue Growth

52nd percentile

7.8%

Faster revenue growth than 52% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$15,960,582

Up $70,500 (+0.4%) from 2022

Liabilities

Up

$41,125

Up $20,050 (+95%) from 2022

Net Assets

Up

$15,919,457

Up $50,450 (+0.3%) from 2022

Operations
Liabilities / Revenue6th percentileNet Margin52nd percentile

Revenue

Up

$550,155

Up $58,216 (+12%) from 2022

Expenses

Up

$580,772

Up $127,745 (+28%) from 2022

Net Income

Down

-$30,617

Down $69,529 (-179%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

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

$20M$15M$10M$5.0M$0Assets 2010: $14,665,683Liabilities 2010: $15,642Net Assets 2010: $14,650,0412010Assets 2011: $14,873,727Liabilities 2011: $12,179Net Assets 2011: $14,861,5482011Assets 2012: $14,393,846Liabilities 2012: $12,109Net Assets 2012: $14,381,7372012Assets 2016: $13,904,889Liabilities 2016: $23,424Net Assets 2016: $13,881,4652016Assets 2017: $14,022,962Liabilities 2017: $16,626Net Assets 2017: $14,006,3362017Assets 2020: $15,216,503Liabilities 2020: $22,291Net Assets 2020: $15,194,2122020Assets 2021: $16,024,414Liabilities 2021: $18,800Net Assets 2021: $16,005,6142021Assets 2022: $15,890,082Liabilities 2022: $21,075Net Assets 2022: $15,869,0072022Assets 2023: $15,960,582Liabilities 2023: $41,125Net Assets 2023: $15,919,4572023

Highlighted filing

2023

Assets$15,960,582
Liabilities$41,125
Net Assets$15,919,457
Open 2023 Filing

Operations Trend

Revenue Growth52nd percentile

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

$600K$400K$200K$0-$200KExpenses 2010: $545,9612010Expenses 2011: $516,0822011Expenses 2012: $425,7202012Revenue 2016: $373,064Expenses 2016: $367,040Net Income 2016: $6,0242016Revenue 2017: $395,591Expenses 2017: $373,736Net Income 2017: $21,8552017Revenue 2020: $463,642Expenses 2020: $454,995Net Income 2020: $8,6472020Revenue 2021: $456,187Expenses 2021: $502,887Net Income 2021: -$46,7002021Revenue 2022: $491,939Expenses 2022: $453,027Net Income 2022: $38,9122022Revenue 2023: $550,155Expenses 2023: $580,772Net Income 2023: -$30,6172023

Highlighted filing

2023

Revenue$550,155
Expenses$580,772
Net Income-$30,617
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$15,960,582
Liabilities
$41,125
Net assets
$15,919,457
Revenue
$550,155
Expenses
$580,772
Net income
-$30,617
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$16.0$0.04$15.9$0.55$0.58$0.03
2022Detailed filing. Detailed filing data is available for this year.$15.9$0.02$15.9$0.49$0.45$0.04
2021Detailed filing. Detailed filing data is available for this year.$16.0$0.02$16.0$0.46$0.50$0.05
2020Detailed filing. Detailed filing data is available for this year.$15.2$0.02$15.2$0.46$0.45$0.01
2017Summary only. Only limited summary data is available for this year.$14.0$0.02$14.0$0.40$0.37$0.02
2016Summary only. Only limited summary data is available for this year.$13.9$0.02$13.9$0.37$0.37$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.4$0.01$14.4$0.43
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.9$0.01$14.9$0.52
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.7$0.02$14.7$0.55
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Dec 4, 2024
Return Version
2023v5.1
Gross Receipts
$550,155
Mission and Program Overview

Mission

To provide cooperative financial services to modot and missouri state highway patrol employees and their families.

To provide cooperative financial services to modot and missouri state highway patrol employees and their families. Anyone employed by the missouri department of transportation in district six, or employed by the missouri state highway patrol, troop c, is eligible to become a member of this credit union upon application in writing and approved by staff. Persons in the employed primary member's family are eligible to become secondary members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Cap Stk Tr Prin Current Funds$13,419,393$13,463,366▲ $43,973
Other Notes and Loans Receivable, Net$9,476,386$9,481,764▲ $5,378
Savings and Temporary Cash Investments$6,081,393$6,229,421▲ $148,028
Pd in Cap Srpls Land Bldg Eqp Fund$2,265,817$2,265,817→ $0
Rtn Earn Endowment Incm Other Fnds$183,797$190,274▲ $6,477
Investments Other Securities$135,682$134,007▼ $1,675
Prepaid Expenses and Deferred Charges$45,180$29,128▼ $16,052
Accounts Receivable$32,343$26,109▼ $6,234
Cash and Non-Interest-Bearing Accounts$82,798$25,166▼ $57,632
Land, Buildings, and Equipment, Net$4,899$2,221▼ $2,678
Total Assets$15,890,082$15,960,582▲ $70,500
Other Assets Total$31,401$32,766▲ $1,365
Liabilities
Accounts Payable and Accrued Expenses$19,013$24,362▲ $5,349
Other Liabilities$2,062$16,763▲ $14,701
Total Liabilities$21,075$41,125▲ $20,050
Net Assets / Fund Balance
Total Net Assets Fund Balance$15,869,007$15,919,457▲ $50,450
Total Liabilities and Net Assets / Fund Balance$15,890,082$15,960,582▲ $70,500

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$2,221$65,272$67,493
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Christine E ConradPresidentFT$70,000$70,000

Board Members and Trustees

NameTitle
Phillip M RuffusChairman
Monica BaxVice Chairman
Melena CarterMember
Nicole KreiselMember
William MclaughlinSecretary
Shirley NorrisTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$446,861
Investment Income
$103,294
Other Revenue
$0
Change in Net Assets
$-30,617
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$436,006
Salaries, Compensation, and Employee Benefits$144,766
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---$70,000
Other Salaries and Wages---$56,860
Office Expenses---$49,382
All Other Expenses---$41,981
Other Expenses---$38,779
Occupancy---$36,866
Fees for Services Other---$36,453
Payroll Taxes---$9,705
Fees for Services Accounting---$8,275
Other Employee Benefits---$8,201
Travel---$4,277
Depreciation Depletion---$2,678
Advertising---$2,395
Conferences and Meetings---$1,952
Fees for Services Legal---$240
Total Functional Expenses$0$0$0$580,772
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Interest Payable$16,763
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“This organization is a credit union. Therefore, in order to open an account, an individual must become a member of the credit union.”

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

“A copy of the form 990 was provided to the board of directors for review, approval and signature prior to filing with the internal revenue service.”

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

“Persons independent of the organization's president and other employees have determined the compensation for these positions based on comparability data and other factors and have been approved by the board of directors. There were no compensated officers other than the president and no employees meet the definition of a key employee.”

Form 990, Part VI, Section C, Line 19

“All governing documents, conflicts of interest policy and financial statements are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
DIVISION #6 HIGHWAY CREDIT UNION
EIN
43-6034197
Phone
3144531780
Address
14323 S OUTER FORTY 100 SOUTH, TOWN AND COUNTRY, MO 63017

Signing Officer

Name
Christine Conrad
Title
President
Phone
3144531780
Signed
2024-12-04
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christine Conrad
Formed
1969
Legal Domicile
Mo
Voting Board Members
6
Independent Board Members
6
Employees
3
Volunteers
13

Preparer

Firm
Cliftonlarsonallen Llp
Address
475 REGENCY PARK SUITE 175, OFALLON, IL 62269
Preparer
Jeff Parker
Phone
6182331200
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in member share deposits 43,974. Net accrual to cash adjustment 40,970.”

Raw XML Appendix331 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
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0INTEREST PAYABLE
IRS990ScheduleD/TotalBookValueLandBuildingsAmt02221
IRS990ScheduleD/TotalLiabilityAmt016763
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THIS ORGANIZATION IS A CREDIT UNION. THEREFORE, IN ORDER TO OPEN AN ACCOUNT, AN INDIVIDUAL MUST BECOME A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A COPY OF THE FORM 990 WAS PROVIDED TO THE BOARD OF DIRECTORS FOR REVIEW, APPROVAL AND SIGNATURE PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2PERSONS INDEPENDENT OF THE ORGANIZATION'S PRESIDENT AND OTHER EMPLOYEES HAVE DETERMINED THE COMPENSATION FOR THESE POSITIONS BASED ON COMPARABILITY DATA AND OTHER FACTORS AND HAVE BEEN APPROVED BY THE BOARD OF DIRECTORS. THERE WERE NO COMPENSATED OFFICERS OTHER THAN THE PRESIDENT AND NO EMPLOYEES MEET THE DEFINITION OF A KEY EMPLOYEE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3ALL GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND FINANCIAL STATEMENTS ARE AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4CHANGE IN MEMBER SHARE DEPOSITS 43,974. NET ACCRUAL TO CASH ADJUSTMENT 40,970.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION B, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART XI, LINE 9:
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IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt015890082
IRS990/TotalAssetsEOYAmt015960582
IRS990/TotalAssetsGrp/BOYAmt015890082
IRS990/TotalAssetsGrp/EOYAmt015960582
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0580772
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt041125
IRS990/TotalLiabilitiesGrp/BOYAmt021075
IRS990/TotalLiabilitiesGrp/EOYAmt041125
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt015869007
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt015919457
IRS990/TotalOtherCompensationAmt00
IRS990/TotalProgramServiceRevenueAmt0446861
IRS990/TotalReportableCompFromOrgAmt070000
IRS990/TotalRevenueGrp/ExclusionAmt0103294
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0446861
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0550155
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt013
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt015890082
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt015960582
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt04277
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt014323 S OUTER FORTY 100 SOUTH
IRS990/USAddress/CityNm0TOWN AND COUNTRY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd063017
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0HTTP://WWW.D6HCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0CHRISTINE CONRAD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum03144531780
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-12-04
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0DIVISION #6 HIGHWAY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0DIVI
ReturnHeader/Filer/EIN0436034197
ReturnHeader/Filer/PhoneNum03144531780
ReturnHeader/Filer/USAddress/AddressLine1Txt014323 S OUTER FORTY 100 SOUTH
ReturnHeader/Filer/USAddress/CityNm0TOWN AND COUNTRY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd063017
ReturnHeader/Form8822BAttachedInd0X
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0410746749
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0475 REGENCY PARK SUITE 175
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0OFALLON
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd062269
ReturnHeader/PreparerPersonGrp/PhoneNum06182331200
ReturnHeader/PreparerPersonGrp/PreparationDt02024-12-04
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JEFF PARKER
ReturnHeader/ReturnTs02024-12-04T10:43:31-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02023-01-01
ReturnHeader/TaxPeriodEndDt02023-12-31
ReturnHeader/TaxYr02023

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