DIVISION #6 HIGHWAY CREDIT UNION (EIN 436034197) - 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

1969

Legal Domicile

Principal Officer

CHRISTINE CONRAD

Phone

3144531780

Tax Period

2023-01-01 to 2023-12-31

DIVISION #6 HIGHWAY CREDIT UNION, founded in 1969, is a small nonprofit that reported $550K in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion. Net assets of $15.9M represent 347 months of operating reserves.

Mission

TO PROVIDE COOPERATIVE FINANCIAL SERVICES TO MODOT AND MISSOURI STATE HIGHWAY PATROL EMPLOYEES AND THEIR FAMILIES. ANYONE EMPLOYED BY THE MISSOURI DEPARTMENT OF TRANSPORTATION IN DISTRICT SIX, OR EMPLOYED BY THE MISSOURI STATE HIGHWAY PATROL, TROOP C, IS ELIGIBLE TO BECOME A MEMBER OF THIS CREDIT UNION UPON APPLICATION IN WRITING AND APPROVED BY STAFF. PERSONS IN THE EMPLOYED PRIMARY MEMBER'S FAMILY ARE ELIGIBLE TO BECOME SECONDARY MEMBERS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $446,861

Investment Income $103,294

Other Revenue $0

TOTAL REVENUE $550,155

Expense Breakdown

Grants Paid $0

Salaries & Benefits $144,766

Fundraising Expenses $0

Other Expenses $436,006

TOTAL EXPENSES $580,772

Year-over-Year Comparison

	2023	2022	Change
Revenue	$550,155	$491,939	+0.1%
Expenses	$580,772	$453,027	+0.3%
Net Income	$-30,617	$38,912	-1.8%

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

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

$70,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHILLIP M RUFFUS	CHAIRMAN	1.00	Officer Director	$0	$0	$0
MONICA BAX	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
WILLIAM MCLAUGHLIN	SECRETARY	1.00	Officer Director	$0	$0	$0
SHIRLEY NORRIS	TREASURER	1.00	Officer Director	$0	$0	$0
MELENA CARTER	MEMBER	1.00	Director	$0	$0	$0
NICOLE KREISEL	MEMBER	1.00	Director	$0	$0	$0
CHRISTINE E CONRAD	PRESIDENT	40.00	Officer	$70,000	$0	$70,000

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
2023	$550,155	$580,772	$15,960,582	$-30,617
2022	$491,939	$453,027	$15,890,082	$38,912
2021	$456,187	$502,887	$16,024,414	$-46,700
2020	$463,642	$454,995	$15,216,503	$8,647

DIVISION #6 HIGHWAY CREDIT UNION