Civic Intelligence

Highway Alliance Credit Union

990 • Fiscal year 2016 • EIN 44-6013674

Jan 01, 2016 to Dec 31, 2016 • Filed on Feb 27, 2017

Organization ProfileN/A
2010 William StJefferson City, MO 65109

(573) 632-2848

Siviq Scores

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

Liabilities / Assets

64th percentile

0.88x

Higher debt load relative to assets than 64% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Liabilities / Revenue

88th percentile

30.91x

Higher debt load relative to revenue than 88% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Net Margin

60th percentile

8.6%

Higher net margin than 60% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Top Officer Pay

40th percentile

$65,954

Higher top officer pay than 40% of similar nonprofits.

Top officer pay equals 10.8% of source-year revenue.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2016

Asset Growth

72nd percentile

4.5%

Faster asset growth than 72% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Revenue Growth

30th percentile

-0.3%

Faster revenue growth than 30% of similar nonprofits.

2016 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2015 to 2016

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$21,523,944

Up $920,945 (+4.5%) from 2015

Net Assets

Up

$2,560,402

Up $52,789 (+2.1%) from 2015

Liabilities

Up

$18,963,542

Up $868,156 (+4.8%) from 2015

Revenue And Expenses
Liabilities / Revenue88th percentileNet Margin60th percentile

Revenue

Down

$613,457

Down $1,869 (-0.3%) from 2015

Expenses

Up

$560,668

Up $25,187 (+4.7%) from 2015

Net Income

Down

$52,789

Down $27,056 (-34%) from 2015

Historical Trend

Balance Sheet Trend

Asset Growth72nd percentile

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

$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

2016

Assets$21,523,944
Liabilities$18,963,542
Net Assets$2,560,402
Open 2016 Filing

Operations Trend

Revenue Growth30th percentile

Revenue, expenses, and net income across loaded years, with this 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

2016

Revenue$613,457
Expenses$560,668
Net Income$52,789
Open 2016 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2016 to Dec 31, 2016
Signed
Feb 27, 2017
Return Version
2016v3.0
Gross Receipts
$613,457
Mission and Program Overview

Mission

To provide cooperative financial services to members.

Highway alliance credit union is a voluntary, cooperative, non profit savings institution incorporated under the 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$10,869,370$11,407,992▲ $538,622
Investments in Publicly Traded Securities$7,804,000$8,698,000▲ $894,000
Pd in Cap Srpls Land Bldg Eqp Fund$1,442,137$1,442,137→ $0
Rtn Earn Endowment Incm Other Fnds$1,065,476$1,118,265▲ $52,789
Land, Buildings, and Equipment, Net$574,966$549,950▼ $25,016
Savings and Temporary Cash Investments$819,242$377,791▼ $441,451
Cash and Non-Interest-Bearing Accounts$264,975$228,634▼ $36,341
Investments Other Securities$172,094$178,272▲ $6,178
Prepaid Expenses and Deferred Charges$58,025$39,039▼ $18,986
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$20,602,999$21,523,944▲ $920,945
Other Assets Total$40,327$44,266▲ $3,939
Liabilities
Other Liabilities$18,080,205$18,946,633▲ $866,428
Accounts Payable and Accrued Expenses$15,181$16,909▲ $1,728
Total Liabilities$18,095,386$18,963,542▲ $868,156
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,507,613$2,560,402▲ $52,789
Total Liabilities and Net Assets / Fund Balance$20,602,999$21,523,944▲ $920,945

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$510,776$70,686$581,462
Equipment$7,174$69,377$76,551
Land$32,000-$32,000
Compensation and Service Providers
Top Officer Pay40th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jennifer EnloePresidentFT$64,355$1,599$65,954

Board Members and Trustees

NameTitle
Thomas HonichChairman
Jerry KliethermesVice-chairman
Alan TrampeDirector
Brynn SchmauchDirector
Dale BaumhoerDirector
Dale SchmidtSecretary/treasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$486,190
Investment Income
$127,267
Other Revenue
$0
Change in Net Assets
$52,789
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$384,456
Salaries, Compensation, and Employee Benefits$176,212
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$107,728
Office Expenses---$67,245
Current Officers, Directors, Trustees, and Key Employees---$64,355
Fees for Services Other---$38,444
Depreciation Depletion---$27,940
All Other Expenses---$23,948
Other Expenses---$17,750
Insurance---$14,430
Fees for Services Accounting---$11,965
Advertising---$4,939
Other Employee Benefits---$4,129
Travel---$2,618
Total Functional Expenses$0$0$0$560,668
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$18,935,120
Member Dividend Payable$11,513
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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, Part VI, Section A, Line 6

“This entity is a credit union; therefore, all individuals who maintain an account with the credit union are required to become a member.”

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

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

Form 990, Part VI, Section B, Line 15

“The salary for the organization's president/key employee is determined by the board of directors based on market salary survey information acquired.”

Form 990, Part VI, Section C, Line 19

“The highway alliance credit union makes its governing documents and financial statements available for public inspection upon the request of an individual.”

Filing and Contact Details

Filer

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

Signing Officer

Name
Jennifer Enloe
Title
President
Phone
5736322848
Signed
2017-02-27
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jennifer Enloe
Formed
1958
Legal Domicile
Mo
Voting Board Members
6
Independent Board Members
6
Employees
7
Volunteers
0

Preparer

Firm
Cliftonlarsonallen Llp
Address
1 BRONZE POINTE, BELLEVILLE, IL 62226
Preparer
Jeff Parker
Phone
6182331200
Raw XML Appendix336 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/ActivityOrMissionDesc0HIGHWAY ALLIANCE CREDIT UNION IS A VOLUNTARY, COOPERATIVE, NON PROFIT SAVINGS INSTITUTION INCORPORATED UNDER THE 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.
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THIS ENTITY IS A CREDIT UNION; THEREFORE, ALL INDIVIDUALS WHO MAINTAIN AN ACCOUNT WITH THE CREDIT UNION ARE REQUIRED TO BECOME A MEMBER.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1A COPY OF THE FORM 990 WAS PROVIDED TO THE HIGHWAY ALLIANCE CREDIT UNION FOR REVIEW, APPROVAL AND SIGNATURE PRIOR TO FILING WITH THE INTERNAL REVENUE SERVICE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE SALARY FOR THE ORGANIZATION'S PRESIDENT/KEY EMPLOYEE IS DETERMINED BY THE BOARD OF DIRECTORS BASED ON MARKET SALARY SURVEY INFORMATION ACQUIRED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE HIGHWAY ALLIANCE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE FOR PUBLIC INSPECTION UPON THE REQUEST OF AN INDIVIDUAL.
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 15
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/SubjectToProxyTaxInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TempOrPermanentEndowmentsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt020602999
IRS990/TotalAssetsEOYAmt021523944
IRS990/TotalAssetsGrp/BOYAmt020602999
IRS990/TotalAssetsGrp/EOYAmt021523944
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalEmployeeCnt07
IRS990/TotalFunctionalExpensesGrp/TotalAmt0560668
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt018095386
IRS990/TotalLiabilitiesEOYAmt018963542
IRS990/TotalLiabilitiesGrp/BOYAmt018095386
IRS990/TotalLiabilitiesGrp/EOYAmt018963542
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt02507613
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02560402
IRS990/TotalOtherCompensationAmt01599
IRS990/TotalProgramServiceRevenueAmt0486190
IRS990/TotalReportableCompFromOrgAmt064355
IRS990/TotalRevenueGrp/ExclusionAmt0127267
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt0486190
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0613457
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt021523944
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TravelGrp/TotalAmt02618
IRS990/TypeOfOrganizationOtherInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
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IRS990/USAddress/CityNm0JEFFERSON CITY
IRS990/USAddress/StateAbbreviationCd0MO
IRS990/USAddress/ZIPCd065109
IRS990/VotingMembersGoverningBodyCnt06
IRS990/VotingMembersIndependentCnt06
IRS990/WebsiteAddressTxt0N/A
IRS990/WhistleblowerPolicyInd00
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ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0JENNIFER ENLOE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum05736322848
ReturnHeader/BusinessOfficerGrp/SignatureDt02017-02-27
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ReturnHeader/Filer/USAddress/CityNm0JEFFERSON CITY
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ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId02FD9AEF635F49284691F87E9FE125090855B27AB
ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId0A9A0EAFF0212B6139E678F851E8CE171469640BE
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ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt067.137.57.251
ReturnHeader/FilingSecurityInformation/IPDt02017-02-27
ReturnHeader/FilingSecurityInformation/IPTimezoneCd0CS
ReturnHeader/FilingSecurityInformation/IPTm009:38:05
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0410746749
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CLIFTONLARSONALLEN LLP
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt01 BRONZE POINTE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0BELLEVILLE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0IL
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd062226
ReturnHeader/PreparerPersonGrp/PhoneNum06182331200
ReturnHeader/PreparerPersonGrp/PreparationDt02017-02-27
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0JEFF PARKER
ReturnHeader/ReturnTs02017-02-28T15:37:29-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02016-01-01
ReturnHeader/TaxPeriodEndDt02016-12-31
ReturnHeader/TaxYr02016

Document Assets

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Filings

Displayed year

2016 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$21,523,944
Liabilities
$18,963,542
Net assets
$2,560,402
Revenue
$613,457
Expenses
$560,668
Net income
$52,789
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