HIGHWAY CROSSROADS CREDIT UNION (EIN 436032519) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1953

Legal Domicile

Principal Officer

AMBER BLISSETT SHEPHARD

Phone

5734725373

Tax Period

2024-01-01 to 2024-12-31

HIGHWAY CROSSROADS CREDIT UNION, founded in 1953, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Revenue surged 20% from the prior year, signaling strong growth momentum. Expenses of $1.6M left a modest 10% surplus.

Mission

TO PROVIDE HIGH QUALITY FINANCIAL SERVICES FOR OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,715,253

Investment Income $32,032

Other Revenue $0

TOTAL REVENUE $1,747,285

Expense Breakdown

Grants Paid $20,089

Salaries & Benefits $326,416

Fundraising Expenses $0

Other Expenses $1,228,944

TOTAL EXPENSES $1,575,449

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,747,285	$1,453,665	+0.2%
Expenses	$1,575,449	$1,319,036	+0.2%
Net Income	$171,836	$134,629	+0.3%

Key Indicators

✓ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

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

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$94,719

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFFERY WACHTER	CHAIRMAN	0.50	Director	$0	$0	$0
DAVID WYMAN	VICE CHAIRMAN	0.50	Director	$0	$0	$0
MICHAEL BRANDON	SECRETARY/TREASURER	0.50	Director	$0	$0	$0
SPENCER S PERRY	DIRECTOR	0.50	Director	$0	$0	$0
JESSIE BENJI PHILPOT	DIRECTOR	0.50	Director	$0	$0	$0
BROOKS PRATT	DIRECTOR	0.50	Director	$0	$0	$0
MARK PFEFFER	DIRECTOR	0.50	Director	$0	$0	$0
LINDI PRINDLE	PRESIDENT	40.00	Officer	$89,478	$5,241	$94,719

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	$1,747,285	$1,575,449	$23,148,055	$171,836
2023	$1,453,665	$1,319,036	$24,308,229	$134,629
2022	$1,082,890	$838,535	$20,506,898	$244,355
2021	$866,534	$714,549	$19,583,781	$151,985
2020	$796,864	$706,398	$17,254,329	$90,466
2019	$734,399	$655,094	$13,897,442	$79,305
2018	$556,368	$502,340	$12,818,318	$54,028

HIGHWAY CROSSROADS CREDIT UNION