Civic Intelligence

Crossroads Credit Union

EIN 48-0624933 • 501(c)14 • goessel, KS

Profile

not for profit but for service

217 e main po box 67goessel, KS 67053

www.crossroadscreditunion.com

Siviq Scores

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

Liabilities / Assets

25th percentile

0.80x

Higher debt load relative to assets than 25% of similar nonprofits.

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

Liabilities / Revenue

32nd percentile

13.23x

Higher debt load relative to revenue than 32% of similar nonprofits.

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

Net Margin

94th percentile

30%

Higher net margin than 94% of similar nonprofits.

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

Top Officer Pay

60th percentile

$90,248

Higher top officer pay than 60% of similar nonprofits.

Top officer pay equals 13.3% of source-year revenue.

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

Asset Growth

34th percentile

-2.2%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Revenue Growth

77th percentile

15%

Faster revenue growth than 77% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets25th percentile

Assets

Down

$11,318,794

Down $257,328 (-2.2%) from 2023

Liabilities

Down

$9,003,716

Down $461,791 (-4.9%) from 2023

Net Assets

Up

$2,315,078

Up $204,463 (+9.7%) from 2023

Operations
Liabilities / Revenue32nd percentileNet Margin94th percentile

Revenue

Up

$680,626

Up $88,305 (+15%) from 2023

Expenses

Up

$476,163

Up $172,881 (+57%) from 2023

Net Income

Down

$204,463

Down $84,576 (-29%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$15M$10M$5.0M$0Assets 2020: $11,675,964Liabilities 2020: $10,009,358Net Assets 2020: $1,666,6062020Assets 2021: $11,577,437Liabilities 2021: $9,885,340Net Assets 2021: $1,692,0972021Assets 2022: $12,192,994Liabilities 2022: $10,371,418Net Assets 2022: $1,821,5762022Assets 2023: $11,576,122Liabilities 2023: $9,465,507Net Assets 2023: $2,110,6152023Assets 2024: $11,318,794Liabilities 2024: $9,003,716Net Assets 2024: $2,315,0782024

Highlighted filing

2024

Assets$11,318,794
Liabilities$9,003,716
Net Assets$2,315,078
Open 2024 Filing

Operations Trend

Revenue Growth77th percentile

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

$800K$600K$400K$200K$0Revenue 2020: $375,890Expenses 2020: $235,513Net Income 2020: $140,3772020Revenue 2021: $329,598Expenses 2021: $304,107Net Income 2021: $25,4912021Revenue 2022: $421,994Expenses 2022: $292,515Net Income 2022: $129,4792022Revenue 2023: $592,321Expenses 2023: $303,282Net Income 2023: $289,0392023Revenue 2024: $680,626Expenses 2024: $476,163Net Income 2024: $204,4632024

Highlighted filing

2024

Revenue$680,626
Expenses$476,163
Net Income$204,463
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$11,318,794
Liabilities
$9,003,716
Net assets
$2,315,078
Revenue
$680,626
Expenses
$476,163
Net income
$204,463
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$11.3$9.00$2.32$0.68$0.48$0.20
2023Detailed filing. Detailed filing data is available for this year.$11.6$9.47$2.11$0.59$0.30$0.29
2022Detailed filing. Detailed filing data is available for this year.$12.2$10.4$1.82$0.42$0.29$0.13
2021Detailed filing. Detailed filing data is available for this year.$11.6$9.89$1.69$0.33$0.30$0.03
2020Detailed filing. Detailed filing data is available for this year.$11.7$10.0$1.67$0.38$0.24$0.14
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Apr 24, 2025
Return Version
2024v5.0
Gross Receipts
$680,626
Mission and Program Overview

Mission

not for profit but for service

provider of financial services for mutual purposes

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$7,327,242$7,229,807▼ $97,435
Savings and Temporary Cash Investments$3,059,118$3,743,554▲ $684,436
Rtn Earn Endowment Incm Other Fnds$2,110,615$2,315,078▲ $204,463
Investments Program Related$889,694$132,058▼ $757,636
Receivables From Officers Etc$81,283$72,017▼ $9,266
Cash and Non-Interest-Bearing Accounts$69,462$59,342▼ $10,120
Land, Buildings, and Equipment, Net$14,656$18,475▲ $3,819
Prepaid Expenses and Deferred Charges$8,845$17,834▲ $8,989
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Other Securities$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Loans From Officers Directors$0$0→ $0
Total Assets$11,576,122$11,318,794▼ $257,328
Other Assets Total$125,822$45,707▼ $80,115
Liabilities
Other Liabilities$9,381,037$8,997,364▼ $383,673
Accounts Payable and Accrued Expenses$84,470$6,352▼ $78,118
Grants Payable$0$0→ $0
Mortgage Notes Payable Secured by Investment Property$0$0→ $0
Unsecured Notes Loans Payable$0$0→ $0
Deferred Revenue$0$0→ $0
Escrow Account Liability$0$0→ $0
Tax Exempt Bond Liabilities$0$0→ $0
Total Liabilities$9,465,507$9,003,716▼ $461,791
Net Assets / Fund Balance
Total Net Assets Fund Balance$2,110,615$2,315,078▲ $204,463
Total Liabilities and Net Assets / Fund Balance$11,576,122$11,318,794▼ $257,328

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$0$0$0
Other Land Buildings$0$0$0
Land$14,656-$0
Equipment$3,819$33,527$0
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer Pay60th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
kelly schragmanagerFT$68,423$21,825$90,248

Board Members and Trustees

NameTitle
alisha weiserdirector
billie goossendirector
jonna showalterdirector
kevin klassendirector
zane unraudirector
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$495,263
Investment Income
$185,363
Other Revenue
$0
Change in Net Assets
$204,463
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$322,438
Salaries, Compensation, and Employee Benefits$153,725
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---$90,248
Other Expenses---$65,672
Office Expenses---$54,827
Other Salaries and Wages---$44,181
Insurance---$12,356
Occupancy---$12,149
Payroll Taxes---$8,706
All Other Expenses---$8,520
Other Employee Benefits---$8,179
Information Technology---$7,340
Conferences and Meetings---$5,936
Fees for Services Accounting---$5,500
Advertising---$3,222
Fees for Service Investment Mgmnt Fees---$3,000
Pension Plan Contributions---$2,411
Fees for Services Legal---$950
Total Functional Expenses$0$0$0$476,163
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
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$81,283$72,017▼ $9,266
Loans from Officers, Directors, Trustees, and Key Employees$0$0→ $0
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
member shares$8,949,226
dividends and payroll taxes payable$28,648
exceptions and unpresented checks$19,490
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
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

“every share holder is a member. we have 1071 members as of 12/31/2024”

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

“all members have the opportunity to vote for the board of directors at our annual meeting”

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

“a member vote would be required on things such as a charter chagne”

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

“reviewed at board meeting”

Form 990, Part VI, Section B, Line 12C

“discussions with directors and key employees to ascertain potential conflicts”

Form 990, Part VI, Section B, Line 15

“the board of directors sets compensation for ceo and employees”

Form 990, Part VI, Section C, Line 19

“they are available in the office upon request”

Filing and Contact Details

Filer

Filer Name
crossroads credit union
EIN
48-0624933
Phone
6203672285
Address
217 e main po box 67, goessel, KS 67053

Signing Officer

Name
kelly schrag
Title
manager
Phone
6203672285
Signed
2025-04-24

Organization Details

Formed
1950
Legal Domicile
Ks
Voting Board Members
5
Independent Board Members
5
Employees
4
Volunteers
11
Raw XML AppendixShowing 400 of 506 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/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt10
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt20
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt30
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt40
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0452065
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt111673
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt23599
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt33960
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt423966
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt10
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt20
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt30
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt40
IRS990/ProgSrvcAccomActy2Grp/Desc0provide a source of credit to members at a fair and reasonable rate of interest
IRS990/ProgSrvcAccomActy3Grp/Desc0provide credit life and credit disability as well as GAP and warranty loan protection programs at a fair and reasonable rate
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0147379
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0168887
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt0444942
IRS990/PYRevenuesLessExpensesAmt0289039
IRS990/PYSalariesCompEmpBnftPaidAmt0134395
IRS990/PYTotalExpensesAmt0303282
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0592321
IRS990/RcvblFromDisqualifiedPrsnGrp/BOYAmt00
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt081283
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt072017
IRS990/ReconcilationRevenueExpnssAmt0204463
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/PersonalAmt00
IRS990/RentalIncomeOrLossGrp/RealAmt00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/ExclusionAmt00
IRS990/RoyaltiesRevenueGrp/RelatedOrExemptFuncIncomeAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RoyaltiesRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt02110615
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02315078
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03059118
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03743554
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt00
IRS990ScheduleD/BuildingsGrp/DepreciationAmt00
IRS990ScheduleD/BuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/EquipmentGrp/BookValueAmt03819
IRS990ScheduleD/EquipmentGrp/DepreciationAmt033527
IRS990ScheduleD/EquipmentGrp/InvestmentCostOrOtherBasisAmt037346
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LandGrp/BookValueAmt014656
IRS990ScheduleD/LandGrp/InvestmentCostOrOtherBasisAmt014656
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/InvestmentCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt00
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt028648
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt18949226
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt219490
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0dividends and payroll taxes payable
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1member shares
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2exceptions and unpresented checks
IRS990ScheduleD/TotalBookValueLandBuildingsAmt018475
IRS990ScheduleD/TotalLiabilityAmt08997364
IRS990/ScheduleJRequiredInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt041845
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt14121
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt21346
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt313479
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt41153
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt56097
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt63976
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd01
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd11
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd21
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd51
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd61
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd00
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd10
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd20
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd31
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd41
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd50
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd60
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd1X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd2X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd3X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd4X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd5X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd6X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt1vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt2home improvement
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt3vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt4vehicle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt5motorcycle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt6motorcycle
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt046145
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt19890
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt21500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt331616
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt44344
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt513500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt67500
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0kelly schrag
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm1billie goossen
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm2billie goossen
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm3jonna showalter
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm4jonna showalter
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm5alisha weiser
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm6alisa weier
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0key employee
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt1director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt2director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt3director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt4director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt5director
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt6director

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