HIGHWAY ALLIANCE CREDIT UNION (EIN 446013674) - 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

1958

Principal Officer

DELLA LINDLEY

Phone

5736322848

Tax Period

2024-01-01 to 2024-12-31

HIGHWAY ALLIANCE CREDIT UNION, founded in 1958, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $1.1M left a modest 9% surplus.

Mission

THE CREDIT UNION IS INCORPORATED UNDER 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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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 $906,362

Investment Income $288,286

Other Revenue $0

TOTAL REVENUE $1,194,648

Expense Breakdown

Grants Paid $0

Salaries & Benefits $202,565

Fundraising Expenses $0

Other Expenses $879,069

TOTAL EXPENSES $1,081,634

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,194,648	$980,122	+0.2%
Expenses	$1,081,634	$920,706	+0.2%
Net Income	$113,014	$59,416	+0.9%

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

N/A

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

$72,197

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DELLA LINDLEY	PRESIDENT	40.00	Officer	$72,197	$0	$72,197
DALE BAUMHOER	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS ENGLEBRECHT	BOARD MEMBER	1.00	Director	$0	$0	$0
KYLE FISCHER	BOARD MEMBER	1.00	Director	$0	$0	$0
JERRY KLIETHERMES	CHAIRMAN	1.00	Director	$0	$0	$0
DALE SCHMIDT	SECRETARY	1.00	Director	$0	$0	$0
MARLA STREIN	BOARD MEMBER	1.00	Director	$0	$0	$0
ALAN TRAMPE	VICE CHAIRMA	1.00	Director	$0	$0	$0

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	$1,194,648	$1,081,634	$27,144,547	$113,014
2023	$980,122	$920,706	$26,522,814	$59,416
2022	$764,334	$724,724	$26,357,649	$39,610
2021	$701,722	$698,993	$24,934,164	$2,729
2020	$717,953	$692,755	$24,026,728	$25,198
2019	$743,211	$642,533	$21,294,937	$100,678
2018	$720,012	$651,382	$20,459,256	$68,630

HIGHWAY ALLIANCE CREDIT UNION