CARBONDALE, IL
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)CARBONDALE HIGHWAY CREDIT UNION, founded in 1951, is a small nonprofit that reported $274K in total revenue in fiscal year 2025. Expenses of $260K left a modest 5% surplus.
THE CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY OUR MEMBERS. THE MEMBERSHIP VOTES ANNUALLY (BY PROXY)TO ELECT NINE (9) MEMBER VOLUNTEER BOARD OF DIRECTORS. VOTES MAY BE CAST IN PERSON BY THOSE IN ATTENDANCE AT THE ANNUAL MEETING. ANY CHANGES MADE TO THE CREDIT UNION BY-LAWS REQUIRE APPROVAL BY THE MEMBERSHIP.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $274,360 | $263,686 | +0.0% |
| Expenses | $259,993 | $242,845 | +0.1% |
| Net Income | $14,367 | $20,841 | -0.3% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| VIRGINIA ARCHAMBEAU | MANAGER/CEO | 40.00 |
Officer
Director
|
$65,100 | $0 | $65,100 |
| RYAN GUTHMAN | Super Com Memb | 0.00 |
Director
|
$0 | $0 | $0 |
| GEORGESHEPARD | Super Comm Memb | 0.00 |
Director
|
$0 | $0 | $0 |
| JOE ZDANKIEWICZ | Treasurer/Sec | 0.00 |
Director
|
$0 | $0 | $0 |
| CARRIE NELSEN | Credit Com Memb | 0.00 |
Director
|
$0 | $0 | $0 |
| J TRAVIS EMERY | Credit Com Memb | 0.00 |
Director
|
$0 | $0 | $0 |
| AARON HAYES | Chairperson | 0.00 |
Director
|
$0 | $0 | $0 |
| SCOTT STRACK | Super Com Memb | 0.00 |
Director
|
$0 | $0 | $0 |
| ROBERT COCKRUM | Cred Com Memb | 0.00 |
Director
|
$0 | $0 | $0 |
| VALERIE ROLLA | Vice Chair | 0.00 |
Director
|
$0 | $0 | $0 |
| KEITH MILEY | Credit Com Memb | 0.00 |
Director
|
$0 | $0 | $0 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $274,360 | $259,993 | $5,598,786 | $14,367 |
| 2024 | $263,686 | $242,845 | $5,842,554 | $20,841 |
| 2023 | $244,394 | $207,549 | $5,264,759 | $36,845 |
| 2022 | $203,767 | $189,578 | $5,469,705 | $14,189 |
| 2021 | $218,931 | $194,748 | $5,548,040 | $24,183 |
| 2020 | $189,540 | $183,257 | $5,376,621 | $6,283 |
Compare CARBONDALE HIGHWAY CREDIT UNION with other nonprofits in Illinois and across the country.