Civic Intelligence

Horizon Credit Union

990 • Fiscal year 2024 • EIN 43-6036048

Jan 01, 2024 to Dec 31, 2024 • Filed on May 09, 2025

Organization ProfileWWW.YOURHCU.COM

View Organization Page

PO Box 554Macon, MO 63552-0554

(660) 385-8205

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

73rd percentile

0.90x

Higher debt load relative to assets than 73% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Liabilities / Revenue

58th percentile

15.95x

Higher debt load relative to revenue than 58% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Net Margin

26th percentile

5.5%

Higher net margin than 26% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Top Officer Pay

17th percentile

$117,158

Higher top officer pay than 17% of similar nonprofits.

Top officer pay equals 3.6% of source-year revenue.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Source year 2024

Asset Growth

71st percentile

4.1%

Faster asset growth than 71% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Revenue Growth

56th percentile

15%

Faster revenue growth than 56% of similar nonprofits.

2024 filings • 501(c)14 • $50M-$100M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets73rd percentile

Assets

Up

$58,474,911

Up $6,559,756 (+13%) from 2022

Net Assets

Up

$6,052,968

Up $976,386 (+19%) from 2022

Liabilities

Up

$52,421,943

Up $5,583,370 (+12%) from 2022

Revenue And Expenses
Liabilities / Revenue58th percentileNet Margin26th percentile

Revenue

Up

$3,285,677

Up $916,501 (+39%) from 2022

Expenses

Up

$3,105,974

Up $1,146,102 (+58%) from 2022

Net Income

Down

$179,703

Down $229,601 (-56%) from 2022

Historical Trend

Balance Sheet Trend

Asset Growth71st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$60M$40M$20M$0Assets 2010: $17,780,548Liabilities 2010: $15,064,010Net Assets 2010: $2,716,5382010Assets 2011: $17,809,440Liabilities 2011: $14,979,441Net Assets 2011: $2,829,9992011Assets 2013: $19,003,051Liabilities 2013: $16,055,542Net Assets 2013: $2,947,5092013Assets 2014: $23,469,132Liabilities 2014: $20,483,847Net Assets 2014: $2,985,2852014Assets 2015: $26,106,867Liabilities 2015: $22,947,217Net Assets 2015: $3,159,6502015Assets 2017: $31,040,553Liabilities 2017: $26,335,638Net Assets 2017: $4,704,9152017Assets 2018: $31,798,643Liabilities 2018: $26,803,538Net Assets 2018: $4,995,1052018Assets 2019: $34,963,331Liabilities 2019: $29,640,202Net Assets 2019: $5,323,1292019Assets 2020: $43,520,473Liabilities 2020: $37,982,801Net Assets 2020: $5,537,6722020Assets 2021: $50,769,173Liabilities 2021: $45,232,391Net Assets 2021: $5,536,7822021Assets 2022: $51,915,155Liabilities 2022: $46,838,573Net Assets 2022: $5,076,5822022Assets 2024: $58,474,911Liabilities 2024: $52,421,943Net Assets 2024: $6,052,9682024

Highlighted filing

2024

Assets$58,474,911
Liabilities$52,421,943
Net Assets$6,052,968
Open 2024 Filing

Operations Trend

Revenue Growth56th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$4.0M$3.0M$2.0M$1.0M$0Expenses 2010: $738,1202010Expenses 2011: $683,2502011Revenue 2013: $814,700Expenses 2013: $765,142Net Income 2013: $49,5582013Revenue 2014: $943,060Expenses 2014: $905,401Net Income 2014: $37,6592014Revenue 2015: $1,163,718Expenses 2015: $1,003,556Net Income 2015: $160,1622015Revenue 2017: $2,493,452Expenses 2017: $1,119,428Net Income 2017: $1,374,0242017Revenue 2018: $1,925,803Expenses 2018: $1,506,266Net Income 2018: $419,5372018Revenue 2019: $1,925,825Expenses 2019: $1,832,050Net Income 2019: $93,7752019Revenue 2020: $1,900,814Expenses 2020: $1,788,191Net Income 2020: $112,6232020Revenue 2021: $2,018,573Expenses 2021: $1,840,427Net Income 2021: $178,1462021Revenue 2022: $2,369,176Expenses 2022: $1,959,872Net Income 2022: $409,3042022Revenue 2024: $3,285,677Expenses 2024: $3,105,974Net Income 2024: $179,7032024

Highlighted filing

2024

Revenue$3,285,677
Expenses$3,105,974
Net Income$179,703
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 9, 2025
Return Version
2024v5.1
Gross Receipts
$3,285,677
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$39,256,119$39,285,936▲ $29,817
Investments Other Securities$8,556,358$8,322,189▼ $234,169
Savings and Temporary Cash Investments$4,905,575$7,238,360▲ $2,332,785
Rtn Earn Endowment Incm Other Fnds$5,508,434$6,052,968▲ $544,534
Land, Buildings, and Equipment, Net$1,792,309$1,721,038▼ $71,271
Cash and Non-Interest-Bearing Accounts$815,505$1,102,150▲ $286,645
Prepaid Expenses and Deferred Charges$36,975$41,125▲ $4,150
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$56,157,252$58,474,911▲ $2,317,659
Other Assets Total$794,411$764,113▼ $30,298
Liabilities
Other Liabilities$49,641,589$51,873,996▲ $2,232,407
Accounts Payable and Accrued Expenses$1,007,229$547,947▼ $459,282
Total Liabilities$50,648,818$52,421,943▲ $1,773,125
Net Assets / Fund Balance
Total Net Assets Fund Balance$5,508,434$6,052,968▲ $544,534
Total Liabilities and Net Assets / Fund Balance$56,157,252$58,474,911▲ $2,317,659

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,161,572$293,067$1,454,639
Equipment$60,754$356,773$417,527
Land$379,433-$379,433
Other Land Buildings$119,279$163,821$283,100
Other Securities$8,322,189--
Compensation and Service Providers
Top Officer Pay17th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Kay LucasPresidentFT$94,715$22,443$117,158

Board Members and Trustees

NameTitle
Dennis FesslerChairman
Larry MurdockVice Chairman
Sam HartungBoard Member
Bryan MootsSecretary
Carla HowardTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$2,938,608
Investment Income
$331,103
Other Revenue
$15,966
Change in Net Assets
$179,703
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$1,904,742
Salaries, Compensation, and Employee Benefits$1,196,232
Grants and Similar Amounts Paid$5,000
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$763,296
Office Expenses---$467,871
Other Employee Benefits---$232,162
Current Officers, Directors, Trustees, and Key Employees---$117,158
Depreciation Depletion---$85,142
Payroll Taxes---$61,908
Advertising---$48,822
Information Technology---$37,605
Insurance---$37,541
Occupancy---$31,195
All Other Expenses---$29,896
Pension Plan Contributions---$21,708
Fees for Services Other---$21,172
Fees for Services Accounting---$18,711
Other Expenses---$12,954
Conferences and Meetings---$12,413
Grants to Domestic Individuals---$5,000
Travel---$1,395
Fees for Services Legal---$359
Total Functional Expenses$0$0$0$3,105,974
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
Member Share Deposits$51,873,996
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
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 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 president reviews and approves the form 990.”

Form 990 Part VI Line 9

“The following directors cannot be reached at the credit union's mailing address: dennis d. Fessler - chairman, 1103 meadow lane, macon, mo 63552 larry murdock - vice chairman, 1317 hilldale drive, macon, mo 63552 bryan moots - secretary, 1118 valley view ct., macon, mo 63552 carla howard - treasurer, 29977 lake street, macon, mo 63552 sam hartug - board member, 33835 lone tree place, macon, mo 63552”

Form 990, Part VI, Section B, Line 15

“The compensation committee of the board of directors determines compensation for all employees, including the president, using the cuna mutual salary survey, "the complete credit union staff salary survey for human resources planning." deliberations and decisions are documented in the board minutes.”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in the lobby, 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
Horizon Credit Union
EIN
43-6036048
Phone
6603858205
Address
PO BOX 554, MACON, MO 63552-0554

Signing Officer

Name
Kay Lucas
Title
President
Phone
6603858205
Signed
2025-05-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kay Lucas
Formed
1954
Legal Domicile
Mo
Voting Board Members
5
Independent Board Members
5
Employees
21
Volunteers
10

Preparer

Firm
J Tenbrink & Associates
Address
11272 S RIDGEVIEW RD, OLATHE, KS 66061-6454
Preparer
Gerald Tenbrink
Phone
9138946214
Raw XML Appendix346 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.

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IRS990/ProgSrvcAccomActy2Grp/Desc0PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2024, LOANS OUTSTANDING TOTALED $37,078,117, INCLUDING PARTICIPATION LOANS.
IRS990/ProgSrvcAccomActy3Grp/Desc0PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $836,281 FOR THE YEAR.
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IRS990ScheduleD/EquipmentGrp/DepreciationAmt0356773
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0417527
IRS990ScheduleD/LandGrp/BookValueAmt0379433
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0379433
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0119279
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0163821
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0283100
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt051873996
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt08322189
IRS990ScheduleD/OtherSecuritiesGrp/Desc0AFS-BROKERED CERTIFICATES OF DEPOSIT
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0F
IRS990ScheduleD/TotalBookValueLandBuildingsAmt01721038
IRS990ScheduleD/TotalBookValueSecuritiesAmt08322189
IRS990ScheduleD/TotalLiabilityAmt051873996
IRS990/ScheduleJRequiredInd00
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 PRESIDENT REVIEWS AND APPROVES THE FORM 990.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FOLLOWING DIRECTORS CANNOT BE REACHED AT THE CREDIT UNION'S MAILING ADDRESS: DENNIS D. FESSLER - CHAIRMAN, 1103 MEADOW LANE, MACON, MO 63552 LARRY MURDOCK - VICE CHAIRMAN, 1317 HILLDALE DRIVE, MACON, MO 63552 BRYAN MOOTS - SECRETARY, 1118 VALLEY VIEW CT., MACON, MO 63552 CARLA HOWARD - TREASURER, 29977 LAKE STREET, MACON, MO 63552 SAM HARTUG - BOARD MEMBER, 33835 LONE TREE PLACE, MACON, MO 63552
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS DETERMINES COMPENSATION FOR ALL EMPLOYEES, INCLUDING THE PRESIDENT, USING THE CUNA MUTUAL SALARY SURVEY, "THE COMPLETE CREDIT UNION STAFF SALARY SURVEY FOR HUMAN RESOURCES PLANNING." DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6FINANCIAL STATEMENTS ARE POSTED IN THE LOBBY, 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 LINE 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PART VI, SECTION B, LINE 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt056157252
IRS990/TotalAssetsEOYAmt058474911
IRS990/TotalAssetsGrp/BOYAmt056157252
IRS990/TotalAssetsGrp/EOYAmt058474911
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt021
IRS990/TotalFunctionalExpensesGrp/TotalAmt03105974
IRS990/TotalGrossUBIAmt013510
IRS990/TotalLiabilitiesBOYAmt050648818
IRS990/TotalLiabilitiesEOYAmt052421943
IRS990/TotalLiabilitiesGrp/BOYAmt050648818
IRS990/TotalLiabilitiesGrp/EOYAmt052421943
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt05508434
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt06052968
IRS990/TotalOtherCompensationAmt022443
IRS990/TotalProgramServiceRevenueAmt02938608
IRS990/TotalReportableCompFromOrgAmt094715
IRS990/TotalRevenueGrp/ExclusionAmt00
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt03272167
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt03285677
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt013510
IRS990/TotalVolunteersCnt010
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt056157252
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt058474911
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt01395
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd01
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0310 NORTH MISSOURI STREET
IRS990/USAddress/CityNm0MACON
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd0635521748
IRS990/VotingMembersGoverningBodyCnt05
IRS990/VotingMembersIndependentCnt05
IRS990/WebsiteAddressTxt0WWW.YOURHCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0KAY LUCAS
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum06603858205
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HORIZON CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HORI
ReturnHeader/Filer/EIN0436036048
ReturnHeader/Filer/PhoneNum06603858205
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 554
ReturnHeader/Filer/USAddress/CityNm0MACON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd0635520554
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/PreparationDt02025-05-08
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0GERALD TENBRINK
ReturnHeader/ReturnTs02025-05-09T08:07:03-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$58,474,911
Liabilities
$52,421,943
Net assets
$6,052,968
Revenue
$3,285,677
Expenses
$3,105,974
Net income
$179,703
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$58.5$52.4$6.05$3.29$3.11$0.18
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$51.9$46.8$5.08$2.37$1.96$0.41
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$50.8$45.2$5.54$2.02$1.84$0.18
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$43.5$38.0$5.54$1.90$1.79$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$35.0$29.6$5.32$1.93$1.83$0.09
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$31.8$26.8$5.00$1.93$1.51$0.42
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$31.0$26.3$4.70$2.49$1.12$1.37
2015Detailed filing. Detailed filing data is available for this year.$26.1$22.9$3.16$1.16$1.00$0.16
2014Detailed filing. Detailed filing data is available for this year.$23.5$20.5$2.99$0.94$0.91$0.04
2013Detailed filing. Detailed filing data is available for this year.$19.0$16.1$2.95$0.81$0.77$0.05
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$15.0$2.83$0.68
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$15.1$2.72$0.74
Peer Organizations

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