2025-02-28T10:39:58-08:00 2024-12-31 815279344 WILLIAMS-RICHARDS LTD 2501 W Murphysboro Rd Carbondale IL 62901 990 2024-01-01 370797918 CARBONDALE HIGHWAY CREDIT UNION CARB 6185496624 PO BOX 713 CARBONDALE IL 62903 MELISSA NAAS Manager 2025-02-28 true true LESLIE P WILLIAMS P00085098 6184901548 2024 2025-03-06 01:10:19Z PO BOX 713 CARBONDALE IL 629030713 263686 false X N/A X 1951 IL 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. 9 9 3 0 0 0 60465 82155 183929 181531 244394 263686 0 0 127142 160916 0 0 80407 81929 207549 242845 36845 20841 5264759 5842554 4445180 5002134 819579 840420 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. false false 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. false false false false false false false false false true false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false false true 0 0 false 3 true false false false false false false false false X 9 9 false false false false true true true true true false false true false false false true true false IL X X MELISSA NAAS 6185496624 2801 WEST MURPHYSBORO ROAD CARBONDALE IL 62901 MELISSA NAAS Manager/CEO 40.00 0.00 X X 65661 0 0 RYAN GUTHMAN Super Com Memb 0.00 0.00 X 0 0 0 GEORGESHEPARD Cred Comm Memb 0.00 0.00 X 0 0 0 JOE ZDANKIEWICZ Treasurer/Sec 0.00 0.00 X 0 0 0 CARRIE NELSEN Super Chair 0.00 0.00 X 0 0 0 J TRAVIS EMERY Credit Com Memb 0.00 0.00 X 0 0 0 AARON HAYES Chairperson 0.00 0.00 X 0 0 0 SCOTT STRACK Super Com Memb 0.00 0.00 X 0 0 0 DOUG HELFRICH Cred Com Memb 0.00 0.00 X 0 0 0 VALERIE ROLLA Vice Chair 0.00 0.00 X 0 0 0 65661 0 false false false 0 0 0 82155 82155 0 0 0 0 0 0 0 INTEREST ON LOANS 522100 178466 178466 MEMBERS FEES & CHARGES 522100 3065 3065 181531 263686 263686 0 0 0 0 65661 0 69335 8400 6877 10643 0 0 9600 0 0 0 0 0 31315 0 0 0 0 0 3065 0 0 0 8944 MERCHANT SERVICE FEES 7340 SERVICES CHARGES AND ACH FEES 5608 SUPERVISION 3260 TELEPHONE, TELECOMMUNICATIONS 2516 10281 242845 0 0 0 729192 876368 1312325 2322345 0 0 0 0 3057481 2479580 0 3493 3441 56306 56306 0 0 100000 100000 0 0 62268 60820 5264759 5842554 12936 26315 4432244 4975819 4445180 5002134 X 819579 840420 819579 840420 5264759 5842554 20841 X false true X true false 56306 56306 Form 990, Part VI, Section B, Line 11b THE SUPERVISORY COMMITTEE MET AND VOTED TO RETAIN AN OUTSIDE ACCOUNTING FIRM TO PREPARE THE FEDERAL FORM 990. ONCE THE FROM 990 IS COMPLETED BY THE EXTERNAL ACCOUNTING FIRM, THE RETURN IS REVIEWED BY THE PRESIDENT AND SUPERVISORY COMMITTEE. THIS COMMITTEE IS PROVIDED ACCESS TO ALL WORKING PAPERS USED TO RPEPARE THE TAX RETURN TO ENSURE ACCURACY. THE SUPERVISORY COMMITTEE ADVISES THE REMAINING BOARD OF DIRECTORS OF THE COMPLETION OF THE ANNUAL FORM 990 AND APPROPRIATE SCHEDULES AT THE NEXT REGULARY SCHEDULED MEETING. Form 990, Part VI, Section B, Line 15b THE BOARD ESTABLISHES A PERSONNEL COMMITTEE WHICH IS RESPONSIBLE FOR ANNUAL EVALUATION OF BOTH CREDIT UNION EMPLOYEES. SALARY RECOMMENDATIONS ARE MADE TO THE REMAINING BOARD BASED ON PERFORMANCE, COST OF LIVING/INFLATIONARY CHANGES, AS WELL AS THE FINANCIAL POSITION AND CONDITION OF THE CREDIT UNION. Form 990, Part VI, Section C, Line 18 THE CREDIT UNION MAKES ITS OWN GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST, WRITTEN OR VERBAL. Form 990, Part VI, Section C, Line 19 THE CREDIT UNION MAKES ITS OWN GOVERNING DOCUMENTS AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON REQUEST, WRITTEN OR VERBAL.