HIGHWAY DISTRICT 9 CREDIT UNION (EIN 741272799) - 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

Rachel Reavis

Phone

2547566331

Tax Period

2025-01-01 to 2025-12-31

HIGHWAY DISTRICT 9 CREDIT UNION, founded in 1953, is a small nonprofit that reported $237K in total revenue in fiscal year 2025. The organization ran a surplus of $61K, a strong 26% operating margin.

Mission

Highway District 9 Credit Union is a State-Chartered Credit Union formed under the state credit union law, and it provides traditional deposit and loan products, as well as other financial services, to its 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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $150,116

Investment Income $87,274

Other Revenue $0

TOTAL REVENUE $237,390

Expense Breakdown

Grants Paid $0

Salaries & Benefits $82,548

Fundraising Expenses $0

Program Expenses $176,623

Other Expenses $94,075

TOTAL EXPENSES $176,623

Year-over-Year Comparison

	2025	2024	Change
Revenue	$237,390	$220,020	+0.1%
Expenses	$176,623	$215,735	-0.2%
Net Income	$60,767	$4,285	+13.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
David Swinson III	Vice-Chair	1.00	Director	$0	$0	$0
Charlie Phillips	Board of Directors	1.00	Director	$0	$0	$0
Eric Olivas	Board of Directors	1.00	Director	$0	$0	$0
Katherine Powledge	Secretary/Treasurer	1.00	Director	$0	$0	$0
Adam Sutton	Board of Directors	1.00	Director	$0	$0	$0
Rachel Reavis	President/Manager	30.00	Highest	$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
2025	$237,390	$176,623	$4,093,802	$60,767
2024	$220,020	$215,735	$4,096,992	$4,285
2023	$192,094	$175,560	$4,550,335	$16,534
2022	$142,648	$149,463	$4,791,328	$-6,815
2021	$161,732	$156,880	$4,768,961	$4,852
2020	$182,294	$169,436	$4,838,360	$12,858
2020	$178,755	$169,436	$4,829,701	$9,319

HIGHWAY DISTRICT 9 CREDIT UNION