Civic Intelligence

Highway Alliance Credit Union

EIN 44-6013674 • 501(c)14 • Jefferson City, MO

Profile

The credit union is incorporated under provisions of missouri statutes for the purpose of encouraging thrift and savings among its members, providing credit at a fair and reasonable rate of interest and increasing the knowledge and ability of its members to manage their financial well being.

2010 William StreetJefferson City, MO 65109

www.hacu4u.com

Siviq Scores

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

Liabilities / Assets

57th percentile

0.89x

Higher debt load relative to assets than 57% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

65th percentile

20.20x

Higher debt load relative to revenue than 65% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Net Margin

49th percentile

9.5%

Higher net margin than 49% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

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

Asset Growth

64th percentile

1.5%

Faster asset growth than 64% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Revenue Growth

83rd percentile

25%

Faster revenue growth than 83% of similar nonprofits.

501(c)14 • $25M-$50M nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets57th percentile

Assets

Up

$27,144,547

Up $621,733 (+2.3%) from 2023

Liabilities

Up

$24,128,762

Up $508,719 (+2.2%) from 2023

Net Assets

Up

$3,015,785

Up $113,014 (+3.9%) from 2023

Operations
Liabilities / Revenue65th percentileNet Margin49th percentile

Revenue

Up

$1,194,648

Up $214,526 (+22%) from 2023

Expenses

Up

$1,081,634

Up $160,928 (+17%) from 2023

Net Income

Up

$113,014

Up $53,598 (+90%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth64th percentile

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

$30M$20M$10M$0Assets 2010: $19,046,467Liabilities 2010: $16,519,940Net Assets 2010: $2,526,5272010Assets 2011: $17,798,936Liabilities 2011: $15,183,098Net Assets 2011: $2,615,8382011Assets 2013: $18,439,414Liabilities 2013: $16,016,942Net Assets 2013: $2,422,4722013Assets 2014: $19,774,261Liabilities 2014: $17,346,493Net Assets 2014: $2,427,7682014Assets 2015: $20,602,999Liabilities 2015: $18,095,386Net Assets 2015: $2,507,6132015Assets 2016: $21,523,944Liabilities 2016: $18,963,542Net Assets 2016: $2,560,4022016Assets 2017: $21,430,624Liabilities 2017: $18,810,158Net Assets 2017: $2,620,4662017Assets 2018: $20,459,256Liabilities 2018: $17,770,160Net Assets 2018: $2,689,0962018Assets 2019: $21,294,937Liabilities 2019: $18,505,163Net Assets 2019: $2,789,7742019Assets 2020: $24,026,728Liabilities 2020: $21,211,756Net Assets 2020: $2,814,9722020Assets 2021: $24,934,164Liabilities 2021: $22,116,463Net Assets 2021: $2,817,7012021Assets 2022: $26,357,649Liabilities 2022: $23,500,338Net Assets 2022: $2,857,3112022Assets 2023: $26,522,814Liabilities 2023: $23,620,043Net Assets 2023: $2,902,7712023Assets 2024: $27,144,547Liabilities 2024: $24,128,762Net Assets 2024: $3,015,7852024

Highlighted filing

2024

Assets$27,144,547
Liabilities$24,128,762
Net Assets$3,015,785
Open 2024 Filing

Operations Trend

Revenue Growth83rd percentile

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

$1.5M$1.0M$500K$0-$500KExpenses 2010: $614,6882010Expenses 2011: $590,3852011Revenue 2013: $613,676Expenses 2013: $621,611Net Income 2013: -$7,9352013Revenue 2014: $623,450Expenses 2014: $618,154Net Income 2014: $5,2962014Revenue 2015: $615,326Expenses 2015: $535,481Net Income 2015: $79,8452015Revenue 2016: $613,457Expenses 2016: $560,668Net Income 2016: $52,7892016Revenue 2017: $666,749Expenses 2017: $606,685Net Income 2017: $60,0642017Revenue 2018: $720,012Expenses 2018: $651,382Net Income 2018: $68,6302018Revenue 2019: $743,211Expenses 2019: $642,533Net Income 2019: $100,6782019Revenue 2020: $717,953Expenses 2020: $692,755Net Income 2020: $25,1982020Revenue 2021: $701,722Expenses 2021: $698,993Net Income 2021: $2,7292021Revenue 2022: $764,334Expenses 2022: $724,724Net Income 2022: $39,6102022Revenue 2023: $980,122Expenses 2023: $920,706Net Income 2023: $59,4162023Revenue 2024: $1,194,648Expenses 2024: $1,081,634Net Income 2024: $113,0142024

Highlighted filing

2024

Revenue$1,194,648
Expenses$1,081,634
Net Income$113,014
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$27,144,547
Liabilities
$24,128,762
Net assets
$3,015,785
Revenue
$1,194,648
Expenses
$1,081,634
Net income
$113,014
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$27.1$24.1$3.02$1.19$1.08$0.11
2023Detailed filing. Detailed filing data is available for this year.$26.5$23.6$2.90$0.98$0.92$0.06
2022Detailed filing. Detailed filing data is available for this year.$26.4$23.5$2.86$0.76$0.72$0.04
2021Detailed filing. Detailed filing data is available for this year.$24.9$22.1$2.82$0.70$0.70$0.00
2020Detailed filing. Detailed filing data is available for this year.$24.0$21.2$2.81$0.72$0.69$0.03
2019Detailed filing. Detailed filing data is available for this year.$21.3$18.5$2.79$0.74$0.64$0.10
2018Detailed filing. Detailed filing data is available for this year.$20.5$17.8$2.69$0.72$0.65$0.07
2017Detailed filing. Detailed filing data is available for this year.$21.4$18.8$2.62$0.67$0.61$0.06
2016Detailed filing. Detailed filing data is available for this year.$21.5$19.0$2.56$0.61$0.56$0.05
2015Detailed filing. Detailed filing data is available for this year.$20.6$18.1$2.51$0.62$0.54$0.08
2014Detailed filing. Detailed filing data is available for this year.$19.8$17.3$2.43$0.62$0.62$0.01
2013Detailed filing. Detailed filing data is available for this year.$18.4$16.0$2.42$0.61$0.62$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$17.8$15.2$2.62$0.59
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$19.0$16.5$2.53$0.61
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 6, 2025
Return Version
2024v5.0
Gross Receipts
$1,194,648
Mission and Program Overview

Mission

The credit union is incorporated under provisions of missouri statutes for the purpose of encouraging thrift and savings among its members, providing credit at a fair and reasonable rate of interest and increasing the knowledge and ability of its members to manage their financial well being.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,550,834$14,717,764▼ $833,070
Rtn Earn Endowment Incm Other Fnds$2,902,771$3,015,785▲ $113,014
Savings and Temporary Cash Investments$60,426$2,152,579▲ $2,092,153
Land, Buildings, and Equipment, Net$440,583$425,408▼ $15,175
Prepaid Expenses and Deferred Charges$115,183$87,299▼ $27,884
Cash and Non-Interest-Bearing Accounts$45,977$72,666▲ $26,689
Total Assets$26,522,814$27,144,547▲ $621,733
Other Assets Total$10,309,811$9,688,831▼ $620,980
Liabilities
Other Liabilities$23,328,242$24,114,458▲ $786,216
Mortgage Notes Payable Secured by Investment Property$274,173--
Accounts Payable and Accrued Expenses$17,628$14,304▼ $3,324
Total Liabilities$23,620,043$24,128,762▲ $508,719
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,902,771$3,015,785▲ $113,014
Total Liabilities and Net Assets / Fund Balance$26,522,814$27,144,547▲ $621,733

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$392,455$190,987$583,442
Equipment$953$89,348$90,301
Land$32,000-$32,000
Other Assets Org$60,843--
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Della LindleyPresidentFT$72,197$72,197

Board Members and Trustees

NameTitle
Jerry KliethermesChairman
Alan TrampeVice Chairma
Chris EnglebrechtBoard Member
Dale BaumhoerBoard Member
Kyle FischerBoard Member
Marla StreinBoard Member
Dale SchmidtSecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$906,362
Investment Income
$288,286
Other Revenue
$0
Change in Net Assets
$113,014
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$879,069
Salaries, Compensation, and Employee Benefits$202,565
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$105,107
Current Officers, Directors, Trustees, and Key Employees---$72,197
Fees for Services Other---$59,475
Office Expenses---$56,506
Other Expenses---$56,046
All Other Expenses---$55,740
Payroll Taxes---$22,330
Insurance---$16,450
Depreciation Depletion---$15,793
Fees for Services Accounting---$11,190
Conferences and Meetings---$9,245
Advertising---$7,923
Other Employee Benefits---$2,931
Interest---$2,922
Information Technology---$2,787
Travel---$270
Total Functional Expenses$0$0$0$1,081,634
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$24,079,760
Member Dividend Payable$34,698
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
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
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“All account holders are required to be a member of the credit union.”

Form 990, Page 6, Part VI, Line 11B

“A copy of the 990 is provided to management for review prior to filing.”

Form 990, Page 6, Part VI, Line 15A

“Compensation information is obtained from heartland league and used as a guide to determine salary amounts for employees of highway alliance credit union.”

Form 990, Page 6, Part VI, Line 15B

“Compensation information is obtained from heartland league and used as a guide to determine salary amounts for employees of highway alliance credit union.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are available for public inspection upon request”

Filing and Contact Details

Filer

Filer Name
Highway Alliance Credit Union
EIN
44-6013674
Phone
5736322848
Address
2010 WILLIAM STREET, JEFFERSON CITY, MO 65109

Signing Officer

Name
Della Lindley
Title
President
Phone
5736322848
Signed
2025-11-06
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Della Lindley
Formed
1958
Voting Board Members
7
Independent Board Members
0
Employees
6
Volunteers
10

Preparer

Firm
GERDING KORTE & CHITWOOD PC CPA'S
Address
20 SOUTH FIFTH STREET, COLUMBIA, MO 65201
Preparer
Amy L Watson
Phone
5734491599
Supplemental Narrative

Additional Explanations

FORM 990 - ORGANIZATION'S MISSION

“The credit union is incorporated under provisions of missouri statutes for the purpose of encouraging thrift and savings among its members, providing credit at a fair and reasonable rate of interest and increasing the knowledge and ability of its members to manage their financial well being.”

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.

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IRS990ScheduleD/OtherAssetsOrgGrp/Desc0CERTIFICATES OF DEPOSIT
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IRS990ScheduleD/OtherAssetsOrgGrp/Desc2MCCU PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherAssetsOrgGrp/Desc3ACCRUED INCOME
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARE DEPOSITS
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION IS INCORPORATED UNDER PROVISIONS OF MISSOURI STATUTES FOR THE PURPOSE OF ENCOURAGING THRIFT AND SAVINGS AMONG ITS MEMBERS, PROVIDING CREDIT AT A FAIR AND REASONABLE RATE OF INTEREST AND INCREASING THE KNOWLEDGE AND ABILITY OF ITS MEMBERS TO MANAGE THEIR FINANCIAL WELL BEING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ALL ACCOUNT HOLDERS ARE REQUIRED TO BE A MEMBER OF THE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2A COPY OF THE 990 IS PROVIDED TO MANAGEMENT FOR REVIEW PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3COMPENSATION INFORMATION IS OBTAINED FROM HEARTLAND LEAGUE AND USED AS A GUIDE TO DETERMINE SALARY AMOUNTS FOR EMPLOYEES OF HIGHWAY ALLIANCE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4COMPENSATION INFORMATION IS OBTAINED FROM HEARTLAND LEAGUE AND USED AS A GUIDE TO DETERMINE SALARY AMOUNTS FOR EMPLOYEES OF HIGHWAY ALLIANCE CREDIT UNION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5GOVERNING DOCUMENTS ARE AVAILABLE FOR PUBLIC INSPECTION UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990 - ORGANIZATION'S MISSION
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
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IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02010 WILLIAM STREET
IRS990/USAddress/CityNm0JEFFERSON CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065109
IRS990/VotingMembersGoverningBodyCnt07
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IRS990/WebsiteAddressTxt0HTTP://WWW.HACU4U.COM/
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0DELLA LINDLEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05736322848
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-06
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HIGHWAY ALLIANCE CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0HIGH
ReturnHeader/Filer/EIN0446013674
ReturnHeader/Filer/PhoneNum05736322848
ReturnHeader/Filer/USAddress/AddressLine1Txt02010 WILLIAM STREET
ReturnHeader/Filer/USAddress/CityNm0JEFFERSON CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MO
ReturnHeader/Filer/USAddress/ZIPCd065109
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0false
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0431260512
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0GERDING KORTE & CHITWOOD PC CPA'S
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt020 SOUTH FIFTH STREET
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0COLUMBIA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MO
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd065201
ReturnHeader/PreparerPersonGrp/PhoneNum05734491599
ReturnHeader/PreparerPersonGrp/PreparationDt02025-11-06
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0AMY L WATSON
ReturnHeader/ReturnTs02025-11-07T10:00:31-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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