Nonprofit · EIN 37-0797918
CARBONDALE HIGHWAY CREDIT UNION
Tax-exempt · CARBONDALE, IL 62903
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2025 | 990 | $274,360 | $259,993 | $14,367 | $5,598,786 | $4,743,999 | $854,787 |
| December 31, 2024 | 990 | $263,686 | $242,845 | $20,841 | $5,842,554 | $5,002,134 | $840,420 |
| December 31, 2023 | 990 | $244,394 | $207,549 | $36,845 | $5,264,759 | $4,445,180 | $819,579 |
Financial details: 990 for the year ended December 31, 2025
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $0
- Investment income
- $92,741
- Other revenue
- $181,619
Expenses
- Grants and similar amounts paid
- $0
- Compensation of officers, directors and key employees
- $65,100
- Other salaries and wages
- $81,196
- Salaries, compensation and benefits (total)
- $166,760
- Professional fundraising fees
- $0
- Accounting fees
- $9,125
Balance sheet and other
- Total assets, start of year
- $5,842,554
- Total assets, end of year
- $5,598,786
- Total liabilities, end of year
- $4,743,999
- Net assets, end of year
- $854,787
- Gross receipts
- $274,360
- Employees
- 3
- Year formed
- 1951
- State of legal domicile
- IL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| VIRGINIA ARCHAMBEAU | MANAGER/CEO Trustee or director, Officer | 40 | $65,100 |
| RYAN GUTHMAN | Super Com Memb Trustee or director | 0 | $0 |
| GEORGESHEPARD | Super Comm Memb Trustee or director | 0 | $0 |
| JOE ZDANKIEWICZ | Treasurer/Sec Trustee or director | 0 | $0 |
| CARRIE NELSEN | Credit Com Memb Trustee or director | 0 | $0 |
| J TRAVIS EMERY | Credit Com Memb Trustee or director | 0 | $0 |
| AARON HAYES | Chairperson Trustee or director | 0 | $0 |
| SCOTT STRACK | Super Com Memb Trustee or director | 0 | $0 |
| ROBERT COCKRUM | Cred Com Memb Trustee or director | 0 | $0 |
| VALERIE ROLLA | Vice Chair Trustee or director | 0 | $0 |
| KEITH MILEY | Credit Com Memb Trustee or director | 0 | $0 |
990 for the year ended December 31, 2024: 10 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MELISSA NAAS | Manager/CEO Trustee or director, Officer | 40 | $65,661 |
| RYAN GUTHMAN | Super Com Memb Trustee or director | 0 | $0 |
| GEORGESHEPARD | Cred Comm Memb Trustee or director | 0 | $0 |
| JOE ZDANKIEWICZ | Treasurer/Sec Trustee or director | 0 | $0 |
| CARRIE NELSEN | Super Chair Trustee or director | 0 | $0 |
| J TRAVIS EMERY | Credit Com Memb Trustee or director | 0 | $0 |
| AARON HAYES | Chairperson Trustee or director | 0 | $0 |
| SCOTT STRACK | Super Com Memb Trustee or director | 0 | $0 |
| DOUG HELFRICH | Cred Com Memb Trustee or director | 0 | $0 |
| VALERIE ROLLA | Vice Chair Trustee or director | 0 | $0 |
990 for the year ended December 31, 2023: 10 people
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| MELISSA NAAS | President/Manag Trustee or director, Officer | 40 | $63,574 |
| RYAN GUTHMAN | Chairman Trustee or director | 0 | $0 |
| GRANT DETERDING | Vice Chairman Trustee or director | 0 | $0 |
| JOE ZDANKIEWICZ | Secretary Trustee or director | 0 | $0 |
| CARRIE NELSEN | Super Chair Trustee or director | 0 | $0 |
| TRAVIS EMERY | Credit Committe Trustee or director | 0 | $0 |
| AARON HAYES | Super Comm Trustee or director | 0 | $0 |
| SCOTT STRACK | Super Comm Trustee or director | 0 | $0 |
| DOUG HELFRICH | Credit Committe Trustee or director | 0 | $0 |
| VALERIE ROLLA | Credit Committe Trustee or director | 0 | $0 |
Address and contacts
- Address (IRS master file)
- PO BOX 713, CARBONDALE, IL 62903-0713
- Signed the 990
- VIRGINIA ARCHAMBEAU, Manager
- Phone
- (618) 549-6624
- Return prepared by
- WILLIAMS-RICHARDS LTD
Mission
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.
Program accomplishments
- 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.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | 990 on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 37-0797918
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1963
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Assets (IRS master file)
- $5,598,786
- Income (IRS master file)
- $274,360
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2025 | $274,360 | $259,993 | $5,598,786 | XML |
| 990 | December 2024 | $263,686 | $242,845 | $5,842,554 | XML |
| 990 | December 2023 | $244,394 | $207,549 | $5,264,759 | XML |
| 990 | December 2022 | $203,767 | $189,578 | $5,469,705 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 37-0797918).
Questions about CARBONDALE HIGHWAY CREDIT UNION
- What is the EIN of CARBONDALE HIGHWAY CREDIT UNION?
- The employer identification number (EIN) of CARBONDALE HIGHWAY CREDIT UNION is 37-0797918.
- Is CARBONDALE HIGHWAY CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1963.
- Are donations to CARBONDALE HIGHWAY CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does CARBONDALE HIGHWAY CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of CARBONDALE HIGHWAY CREDIT UNION due?
- The return for tax year 2026 (the year ending December 31, 2026) is due May 17, 2027. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did CARBONDALE HIGHWAY CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2025.
- Who are the officers and directors of CARBONDALE HIGHWAY CREDIT UNION?
- The 990 for the year ended December 31, 2025 lists 11 people; 1 received compensation from the organization, the highest $65,100 (VIRGINIA ARCHAMBEAU, MANAGER/CEO).
- How much revenue does CARBONDALE HIGHWAY CREDIT UNION have?
- On its 990 for the year ended December 31, 2025 it reported revenue of $274,360, expenses of $259,993 and total assets of $5,598,786 at year end.
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