Civic Intelligence

District 7 Highway Credit Union

EIN 44-0611174 • 501(c)14 • Joplin, MO

Profile

A financial services provider established to offer quality financial services and benefits to members who share a common bond.

Refreshing map…

3202 S Indiana AveJoplin, MO 64804

n/A

Siviq Scores

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

Liabilities / Assets

38th percentile

0.84x

Higher debt load relative to assets than 38% of similar nonprofits.

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

Liabilities / Revenue

19th percentile

11.54x

Higher debt load relative to revenue than 19% of similar nonprofits.

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

Net Margin

99th percentile

51%

Higher net margin than 99% of similar nonprofits.

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

Top Officer Pay

62nd percentile

$85,026

Higher top officer pay than 62% of similar nonprofits.

Top officer pay equals 4.8% of source-year revenue.

$10M-$25M nonprofits • Source year 2024

Asset Growth

93rd percentile

11%

Faster asset growth than 93% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Revenue Growth

99th percentile

71%

Faster revenue growth than 99% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$24,582,445

Up $4,675,216 (+23%) from 2022

Liabilities

Up

$20,628,937

Up $3,591,631 (+21%) from 2022

Net Assets

Up

$3,953,508

Up $1,083,585 (+38%) from 2022

Operations
Liabilities / Revenue19th percentileNet Margin99th percentile

Revenue

Up

$1,787,696

Up $1,177,058 (+193%) from 2022

Expenses

Up

$884,155

Up $395,105 (+81%) from 2022

Net Income

Up

$903,541

Up $781,953 (+643%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth93rd percentile

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

$30M$20M$10M$0Assets 2012: $15,081,781Liabilities 2012: $25,058Net Assets 2012: $15,056,7232012Assets 2013: $15,764,257Liabilities 2013: $22,630Net Assets 2013: $15,741,6272013Assets 2014: $16,510,747Liabilities 2014: $14,616,723Net Assets 2014: $1,894,0242014Assets 2017: $18,079,932Liabilities 2017: $15,936,764Net Assets 2017: $2,143,1682017Assets 2020: $18,251,313Liabilities 2020: $15,674,455Net Assets 2020: $2,576,8582020Assets 2021: $19,644,860Liabilities 2021: $16,896,611Net Assets 2021: $2,748,2492021Assets 2022: $19,907,229Liabilities 2022: $17,037,306Net Assets 2022: $2,869,9232022Assets 2024: $24,582,445Liabilities 2024: $20,628,937Net Assets 2024: $3,953,5082024

Highlighted filing

2024

Assets$24,582,445
Liabilities$20,628,937
Net Assets$3,953,508
Open 2024 Filing

Operations Trend

Revenue Growth99th percentile

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

$2.0M$1.5M$1.0M$500K$0Expenses 2012: $331,8062012Revenue 2013: $381,977Expenses 2013: $321,442Net Income 2013: $60,5352013Revenue 2014: $418,535Expenses 2014: $301,404Net Income 2014: $117,1312014Revenue 2017: $456,697Expenses 2017: $358,903Net Income 2017: $97,7942017Revenue 2020: $582,928Expenses 2020: $435,288Net Income 2020: $147,6402020Revenue 2021: $618,158Expenses 2021: $446,850Net Income 2021: $171,3082021Revenue 2022: $610,638Expenses 2022: $489,050Net Income 2022: $121,5882022Revenue 2024: $1,787,696Expenses 2024: $884,155Net Income 2024: $903,5412024

Highlighted filing

2024

Revenue$1,787,696
Expenses$884,155
Net Income$903,541
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
$24,582,445
Liabilities
$20,628,937
Net assets
$3,953,508
Revenue
$1,787,696
Expenses
$884,155
Net income
$903,541
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$24.6$20.6$3.95$1.79$0.88$0.90
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.9$17.0$2.87$0.61$0.49$0.12
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$19.6$16.9$2.75$0.62$0.45$0.17
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$18.3$15.7$2.58$0.58$0.44$0.15
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.1$15.9$2.14$0.46$0.36$0.10
2014Detailed filing. Detailed filing data is available for this year.$16.5$14.6$1.89$0.42$0.30$0.12
2013Detailed filing. Detailed filing data is available for this year.$15.8$0.02$15.7$0.38$0.32$0.06
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.1$0.03$15.1$0.33
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 6, 2025
Return Version
2024v5.2
Gross Receipts
$1,790,021
Mission and Program Overview

Mission

A financial services provider established to offer quality financial services and benefits to members who share a common bond.

Established to offer quality financial services and benefits to members who share a common bond.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$11,065,206$15,417,605▲ $4,352,399
Investments Other Securities$7,125,000$6,431,000▼ $694,000
Savings and Temporary Cash Investments$427,669$840,918▲ $413,249
Land, Buildings, and Equipment, Net$760,011$754,298▼ $5,713
Investments in Publicly Traded Securities-$432,409-
Investments Program Related$290,678$393,630▲ $102,952
Cash and Non-Interest-Bearing Accounts$564,688$264,393▼ $300,295
Prepaid Expenses and Deferred Charges$12,182$8,364▼ $3,818
Total Assets$20,268,252$24,582,445▲ $4,314,193
Other Assets Total$22,818$39,828▲ $17,010
Liabilities
Other Liabilities$17,087,635$20,532,031▲ $3,444,396
Accounts Payable and Accrued Expenses$130,650$96,906▼ $33,744
Total Liabilities$17,218,285$20,628,937▲ $3,410,652
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,049,967$3,953,508▲ $903,541
Total Net Assets Fund Balance$3,049,967$3,953,508▲ $903,541
Total Liabilities and Net Assets / Fund Balance$20,268,252$24,582,445▲ $4,314,193

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$425,276$52,356$477,632
Land$295,500-$295,500
Equipment$33,522$21,455$54,977
Other Securities$6,431,000--
Compensation and Service Providers
Top Officer Pay62nd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Justin CoyneManagerFT$82,550$2,476$85,026

Board Members and Trustees

NameTitle
Tim HoudyshellChairman
Scott MckeeVice-chairman
Barbara HammettBoard Member
Dave TaylorBoard Member
Elizabeth ReynoldsBoard Member
James MuscheBoard Member
Leslie JonesSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$704,505
Program Service Revenue
$860,151
Investment Income
$223,040
Other Revenue
$0
All Other Contributions
$704,505
Change in Net Assets
$903,541
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$659,332
Salaries, Compensation, and Employee Benefits$224,823
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Interest---$318,775
Other Salaries and Wages---$122,662
Current Officers, Directors, Trustees, and Key Employees---$85,026
Fees for Services Other---$77,147
Office Expenses---$37,125
Depreciation Depletion---$21,798
Occupancy---$17,460
Payroll Taxes---$15,667
Insurance---$14,037
All Other Expenses---$12,719
Fees for Services Accounting---$10,000
Advertising---$9,966
Other Expenses---$7,863
Conferences and Meetings---$1,827
Pension Plan Contributions---$1,468
Travel---$79
Total Functional Expenses$0$0$0$884,155
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
Members Deposits$20,532,031
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 members of the credit union are considered to be the owners of the organization.”

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

“The members of the credit union elect all board positions for a three year period on an annually rotating basis.”

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

“Members approve any changes to the credit union's by-laws or any proposed merger with another credit union.”

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

“The form 990 is reviewed and signed by the credit union manager. The return is then filed with the irs. After filing, a copy of the form 990 is presented to the board of directors at the next monthly meeting.”

Form 990, Part VI, Section B, Line 15

“The board of directors received a report from the missouri credit union league regarding compensation ranges paid to employees and management of other credit unions. The board of directors uses the compensation report and other available information on compensation and performance of the credit union in determining the compensation of the credit union manager.the board of directors reviews the information available and determines the compensation of the credit union's employees.”

Form 990, Part VI, Section C, Line 19

“The credit union makes all governing documents, policies and tax returns available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Legacy Credit Union
EIN
44-0611174
Phone
4176596013
Address
3202 S INDIANA AVE, JOPLIN, MO 64804

Signing Officer

Name
Justin Coyne
Title
Manager
Phone
4176596013
Signed
2025-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Justin Coyne
Formed
1952
Legal Domicile
Mo
Voting Board Members
7
Independent Board Members
7
Employees
5
Volunteers
9

Preparer

Firm
Kpm Cpas Pc
Address
1445 E REPUBLIC ROAD, SPRINGFIELD, MO 65804
Preparer
Sean M Balisle CPA
Phone
4178824300
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 6

“Members of the board of directors, credit committee, and supervisory committee are considered to be volunteers. They direct and oversee the operation of the credit union.”

Raw XML Appendix369 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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IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0115737
IRS990/PYOtherExpensesAmt0446342
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0678289
IRS990/PYRevenuesLessExpensesAmt0180010
IRS990/PYSalariesCompEmpBnftPaidAmt0167674
IRS990/PYTotalExpensesAmt0614016
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0794026
IRS990/ReconcilationRevenueExpnssAmt0903541
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0427669
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0840918
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990/ScheduleBRequiredInd01
IRS990ScheduleD/BuildingsGrp/BookValueAmt0425276
IRS990ScheduleD/BuildingsGrp/DepreciationAmt052356
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt0477632
IRS990ScheduleD/EquipmentGrp/BookValueAmt033522
IRS990ScheduleD/EquipmentGrp/DepreciationAmt021455
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt054977
IRS990ScheduleD/LandGrp/BookValueAmt0295500
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt0295500
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt020532031
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBERS DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt06431000
IRS990ScheduleD/OtherSecuritiesGrp/Desc0CERTIFICATES OF DEPOSITS AT BANKS
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0754298
IRS990ScheduleD/TotalBookValueSecuritiesAmt06431000
IRS990ScheduleD/TotalLiabilityAmt020532031
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0MEMBERS OF THE BOARD OF DIRECTORS, CREDIT COMMITTEE, AND SUPERVISORY COMMITTEE ARE CONSIDERED TO BE VOLUNTEERS. THEY DIRECT AND OVERSEE THE OPERATION OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE CREDIT UNION ARE CONSIDERED TO BE THE OWNERS OF THE ORGANIZATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE MEMBERS OF THE CREDIT UNION ELECT ALL BOARD POSITIONS FOR A THREE YEAR PERIOD ON AN ANNUALLY ROTATING BASIS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3MEMBERS APPROVE ANY CHANGES TO THE CREDIT UNION'S BY-LAWS OR ANY PROPOSED MERGER WITH ANOTHER CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FORM 990 IS REVIEWED AND SIGNED BY THE CREDIT UNION MANAGER. THE RETURN IS THEN FILED WITH THE IRS. AFTER FILING, A COPY OF THE FORM 990 IS PRESENTED TO THE BOARD OF DIRECTORS AT THE NEXT MONTHLY MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5THE BOARD OF DIRECTORS RECEIVED A REPORT FROM THE MISSOURI CREDIT UNION LEAGUE REGARDING COMPENSATION RANGES PAID TO EMPLOYEES AND MANAGEMENT OF OTHER CREDIT UNIONS. THE BOARD OF DIRECTORS USES THE COMPENSATION REPORT AND OTHER AVAILABLE INFORMATION ON COMPENSATION AND PERFORMANCE OF THE CREDIT UNION IN DETERMINING THE COMPENSATION OF THE CREDIT UNION MANAGER.THE BOARD OF DIRECTORS REVIEWS THE INFORMATION AVAILABLE AND DETERMINES THE COMPENSATION OF THE CREDIT UNION'S EMPLOYEES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6THE CREDIT UNION MAKES ALL GOVERNING DOCUMENTS, POLICIES AND TAX RETURNS AVAILABLE TO THE PUBLIC UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION A, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION A, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION A, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PART VI, SECTION B, LINE 11B
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/TotalAssetsBOYAmt020268252
IRS990/TotalAssetsEOYAmt024582445
IRS990/TotalAssetsGrp/BOYAmt020268252
IRS990/TotalAssetsGrp/EOYAmt024582445
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0704505
IRS990/TotalEmployeeCnt05
IRS990/TotalFunctionalExpensesGrp/TotalAmt0884155
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt017218285
IRS990/TotalLiabilitiesEOYAmt020628937
IRS990/TotalLiabilitiesGrp/BOYAmt017218285
IRS990/TotalLiabilitiesGrp/EOYAmt020628937
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt03049967
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt03953508
IRS990/TotalOtherCompensationAmt02476
IRS990/TotalProgramServiceRevenueAmt0860151
IRS990/TotalReportableCompFromOrgAmt082550
IRS990/TotalRevenueGrp/ExclusionAmt0225247
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0857944
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01787696
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt09
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt020268252
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt024582445
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt079
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt03202 S INDIANA AVE
IRS990/USAddress/CityNm0JOPLIN
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd064804
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.YOURLCU.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JUSTIN COYNE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0MANAGER
ReturnHeader/BusinessOfficerGrp/PhoneNum04176596013
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0LEGACY CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0LEGA
ReturnHeader/Filer/EIN0440611174
ReturnHeader/Filer/PhoneNum04176596013
ReturnHeader/Filer/USAddress/AddressLine1Txt03202 S INDIANA AVE
ReturnHeader/Filer/USAddress/CityNm0JOPLIN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd064804
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431109768
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0KPM CPAS PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01445 E REPUBLIC ROAD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SPRINGFIELD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd065804
ReturnHeader/PreparerPersonGrp/PhoneNum04178824300
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0SEAN M BALISLE CPA
ReturnHeader/ReturnTs02025-11-07T15:05:15-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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