HEARTLAND CREDIT UNION: Form 990, tax year 2017

View the entire original 990 at ProPublica ↗

Organization: HEARTLAND CREDIT UNION (EIN 48-0612011)
Tax period: 2017-01-01 to 2017-12-31
Filed: 2018-11-14
IRS object ID: 201833189349308318
Schema version: 2017v2.3
Source: Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header
Form 990
Schedule D
Schedule J
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2018-11-14T15:04:46-06:00	ReturnTs
Tax Period End	2017-12-31	TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

Field	Value	IRS element (for citing)
Preparer Firm EIN	431592217	PreparerFirmEIN

Preparer Firm Name PreparerFirmName

Field	Value	IRS element (for citing)
Business Name Line1	J TENBRINK & ASSOCIATES	BusinessNameLine1Txt

Preparer US Address PreparerUSAddress

Field	Value	IRS element (for citing)
Address Line1	11272 S RIDGEVIEW RD	AddressLine1Txt
City	OLATHE	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	66061	ZIPCd

Field	Value	IRS element (for citing)
Return Type	990	ReturnTypeCd
Tax Period Begin	2017-01-01	TaxPeriodBeginDt

Filer Filer

Field	Value	IRS element (for citing)
EIN	480612011	EIN

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	HEARTLAND CREDIT UNION	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Business Name Control	HEAR	BusinessNameControlTxt
Phone	6206690177	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4000 N MONROE ST	AddressLine1Txt
City	HUTCHINSON	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	675022224	ZIPCd

Business Officer BusinessOfficerGrp

Field	Value	IRS element (for citing)
Person	JOEL ANDREW	PersonNm
Person Title	CFO	PersonTitleTxt
Phone	6206690177	PhoneNum
Signature	2018-11-14	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
Preparer Person	JERRY TENBRINK	PreparerPersonNm
PTIN	P00638199	PTIN
Phone	9138946214	PhoneNum

Filing Security Information FilingSecurityInformation

IP Address IPAddress

Field	Value	IRS element (for citing)
I Pv4 Address	97.87.82.114	IPv4AddressTxt

Field	Value	IRS element (for citing)
IP	2018-11-14	IPDt
IP Tm	15:04:10	IPTm
IP Timezone	CS	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	8C7C43951168CF45788263B15885B9037C681A73	AtSubmissionCreationDeviceId
At Submission Filing Device Id	DF81630E7C01E54DA6D3CC5C7C1702BCCB5963A3	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2017	TaxYr
Build TS	2019-02-21 02:37:17Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	DANIEL SPRINGER	PrincipalOfficerNm

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4000 N MONROE ST	AddressLine1Txt
City	HUTCHINSON	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	675022224	ZIPCd

Field	Value	IRS element (for citing)
Gross Receipts	$18,895,562	GrossReceiptsAmt
Group Return For Affiliates	0	GroupReturnForAffiliatesInd
Organization501c	Yes (X)	Organization501cInd
Website Address	WWW.HCU.COOP	WebsiteAddressTxt
Type Of Organization Corp	Yes (X)	TypeOfOrganizationCorpInd
Formation	1948	FormationYr
Legal Domicile State	KS	LegalDomicileStateCd
Activity Or Mission	TO PROVIDE HIGH QUALITY FINANCIAL SERVICES TO OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.	ActivityOrMissionDesc
Voting Members Governing Body	7	VotingMembersGoverningBodyCnt
Voting Members Independent	7	VotingMembersIndependentCnt
Total Employee	145	TotalEmployeeCnt
Total Volunteers	16	TotalVolunteersCnt
Total Gross UBI	$89,232	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$76,756	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$7,500	PYContributionsGrantsAmt
CY Contributions Grants	$2,450	CYContributionsGrantsAmt
PY Program Service Revenue	$16,079,794	PYProgramServiceRevenueAmt
CY Program Service Revenue	$16,992,356	CYProgramServiceRevenueAmt
PY Investment Income	$493,291	PYInvestmentIncomeAmt
CY Investment Income	$330,750	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$16,580,585	PYTotalRevenueAmt
CY Total Revenue	$17,325,556	CYTotalRevenueAmt
PY Grants And Similar Paid	$9,819	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$5,000	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$32,975	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$33,074	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$6,653,726	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$7,502,347	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$7,260,333	PYOtherExpensesAmt
CY Other Expenses	$7,893,775	CYOtherExpensesAmt
PY Total Expenses	$13,956,853	PYTotalExpensesAmt
CY Total Expenses	$15,434,196	CYTotalExpensesAmt
PY Revenues Less Expenses	$2,623,732	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$1,891,360	CYRevenuesLessExpensesAmt
Total Assets BOY	$279,757,696	TotalAssetsBOYAmt
Total Assets EOY	$306,186,340	TotalAssetsEOYAmt
Total Liabilities BOY	$253,177,635	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$277,763,914	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$26,580,061	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$28,422,426	NetAssetsOrFundBalancesEOYAmt
Mission	TO PROVIDE HIGH QUALITY FINANCIAL SERVICES TO OUR MEMBERS/OWNERS, ENHANCING THEIR FINANCIAL WELL-BEING WHILE MAINTAINING THE FINANCIAL STRENGTH OF THE CREDIT UNION.	MissionDesc
Significant New Program Srvc	0	SignificantNewProgramSrvcInd
Significant Change	0	SignificantChangeInd
Desc	PROVIDES FINANCIAL AND FINANCIALLY RELATED SERVICES TO 24,934 MEMBERS.	Desc

Prog Srvc Accom Acty2 ProgSrvcAccomActy2Grp

Field	Value	IRS element (for citing)
Desc	PROVIDES A SOURCE OF CREDIT TO MEMBERS AT A FAIR AND REASONABLE RATE OF INTEREST. AS OF DECEMBER 31, 2017, THERE WERE 21,447 LOANS OUTSTANDING TOTALING $251,856,803.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $1,571,992 FOR THE YEAR.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	0	ScheduleBRequiredInd
Political Campaign Acty	0	PoliticalCampaignActyInd
Subject To Proxy Tax	0	SubjectToProxyTaxInd
Donor Advised Fund	0	DonorAdvisedFundInd
Conservation Easements	0	ConservationEasementsInd
Collections Of Art	0	CollectionsOfArtInd
Credit Counseling	0	CreditCounselingInd
Temp Or Permanent Endowments	0	TempOrPermanentEndowmentsInd
Report Land Building Equipment	Yes (1)	ReportLandBuildingEquipmentInd
Report Investments Other Sec	0	ReportInvestmentsOtherSecInd
Report Program Related Invst	0	ReportProgramRelatedInvstInd
Report Other Assets	0	ReportOtherAssetsInd
Report Other Liabilities	Yes (1)	ReportOtherLiabilitiesInd
Include FIN48 Footnote	0	IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt	0	IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt	0	ConsolidatedAuditFinclStmtInd
School Operating	0	SchoolOperatingInd
Foreign Office	0	ForeignOfficeInd
Foreign Activities	0	ForeignActivitiesInd
More Than5000 K To Org	0	MoreThan5000KToOrgInd
More Than5000 K To Individuals	0	MoreThan5000KToIndividualsInd
Professional Fundraising	0	ProfessionalFundraisingInd
Fundraising Activities	0	FundraisingActivitiesInd
Gaming Activities	0	GamingActivitiesInd
Operate Hospital	0	OperateHospitalInd
Grants To Organizations	0	GrantsToOrganizationsInd
Grants To Individuals	0	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	Yes (1)	LoanOutstandingInd
Grant To Related Person	0	GrantToRelatedPersonInd
Business Rln With Org Mem	0	BusinessRlnWithOrgMemInd
Business Rln With Fam Mem	0	BusinessRlnWithFamMemInd
Business Rln With Officer Ent	Yes (1)	BusinessRlnWithOfficerEntInd
Deductible Non Cash Contri	0	DeductibleNonCashContriInd
Deductible Art Contribution	0	DeductibleArtContributionInd
Terminate Operations	0	TerminateOperationsInd
Partial Liquidation	0	PartialLiquidationInd
Disregarded Entity	0	DisregardedEntityInd
Related Entity	Yes (1)	RelatedEntityInd
Related Organization Ctrl Ent	0	RelatedOrganizationCtrlEntInd
Activities Conducted Prtshp	0	ActivitiesConductedPrtshpInd
Schedule O Required	Yes (1)	ScheduleORequiredInd
IRP Document	11314	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	145	EmployeeCnt
Employment Tax Returns Filed	Yes (1)	EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over Limit	Yes (1)	UnrelatedBusIncmOverLimitInd
Form990 T Filed	Yes (1)	Form990TFiledInd
Foreign Financial Account	0	ForeignFinancialAccountInd
Prohibited Tax Shelter Trans	0	ProhibitedTaxShelterTransInd
Taxable Party Notification	0	TaxablePartyNotificationInd
Nondeductible Contributions	0	NondeductibleContributionsInd
Indoor Tanning Services	0	IndoorTanningServicesInd
Info In Schedule O Part VI	Yes (X)	InfoInScheduleOPartVIInd
Governing Body Voting Members	7	GoverningBodyVotingMembersCnt
Independent Voting Member	7	IndependentVotingMemberCnt
Family Or Business Rln	0	FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties	0	DelegationOfMgmtDutiesInd
Change To Org Documents	0	ChangeToOrgDocumentsInd
Material Diversion Or Misuse	0	MaterialDiversionOrMisuseInd
Members Or Stockholders	Yes (1)	MembersOrStockholdersInd
Election Of Board Members	Yes (1)	ElectionOfBoardMembersInd
Decisions Subject To Approva	Yes (1)	DecisionsSubjectToApprovaInd
Minutes Of Governing Body	Yes (1)	MinutesOfGoverningBodyInd
Minutes Of Committees	Yes (1)	MinutesOfCommitteesInd
Officer Mailing Address	0	OfficerMailingAddressInd
Local Chapters	Yes (1)	LocalChaptersInd
Policies Reference Chapters	Yes (1)	PoliciesReferenceChaptersInd
Form990 Provided To Gvrn Body	0	Form990ProvidedToGvrnBodyInd
Conflict Of Interest Policy	Yes (1)	ConflictOfInterestPolicyInd
Annual Disclosure Covered Prsn	Yes (1)	AnnualDisclosureCoveredPrsnInd
Regular Monitoring Enfrc	Yes (1)	RegularMonitoringEnfrcInd
Whistleblower Policy	Yes (1)	WhistleblowerPolicyInd
Document Retention Policy	Yes (1)	DocumentRetentionPolicyInd
Compensation Process CEO	Yes (1)	CompensationProcessCEOInd
Compensation Process Other	Yes (1)	CompensationProcessOtherInd
Investment In Joint Venture	Yes (1)	InvestmentInJointVentureInd
Written Policy Or Procedure	Yes (1)	WrittenPolicyOrProcedureInd
Upon Request	Yes (X)	UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

Field	Value	IRS element (for citing)
Business Name Line1	JOEL ANDREW	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Phone	6206690177	PhoneNum

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4000 N MONROE ST	AddressLine1Txt
City	HUTCHINSON	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	675022224	ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (15 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd	Highest Compensated EmployeeHighestCompensatedEmployeeInd	Former Ofcr Director TrusteeFormerOfcrDirectorTrusteeInd
REX CHRISTNER
CHAIRMAN	3.00	Yes (X)	$0	$0	$0
ROY BROXTERMAN
VICE CHAIRMAN	2.00	Yes (X)	$0	$0	$0
KENDAL PULLIAM
SECRETARY/TREASURER	2.00	Yes (X)	$0	$0	$0
RICHARD CARLISLE
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
JOHN MCCANNON
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
CAROLINE PHELPS
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
MARK WOLESLAGEL
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
DANIEL SPRINGER
PRESIDENT/CEO	50.00		$217,213	$0	$21,335	Yes (X)
MICHELLE WALN
VP - CULTURE	50.00		$142,175	$0	$11,986	Yes (X)
ZACK CLOBES
VP - TECHNOLOGY	50.00		$137,916	$0	$15,171	Yes (X)
JEREMY STAUFFACHER
VP - SALES & SERVICE	50.00		$119,462	$0	$16,003	Yes (X)
JOEL ANDREW
CHIEF FINANCIAL OFFICER	50.00		$106,235	$0	$16,550	Yes (X)
JEFF GALLERY
CHIEF LENDING OFFICER	50.00		$93,603	$0	$5,462	Yes (X)
JAMES HOFFMAN
COMMERCIAL LOAN OFFICER	40.00		$100,149	$0	$5,058		Yes (X)
GARTH STRAND
FORMER PRESIDENT/CEO	40.00		$104,157	$0	$4,231			Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$1,020,910	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$95,796	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	7	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	Yes (1)	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1Txt	CityContractorAddress/USAddress/CityNm	State AbbreviationContractorAddress/USAddress/StateAbbreviationCd	ZIPContractorAddress/USAddress/ZIPCd	ServicesServicesDesc	CompensationCompensationAmt
SIMPSON CONSTRUCTION
1831 S ANNA	WICHITA	KS	67277	CONSTRUCTION SERVICES	$2,264,274
JACK HENRY & ASSOCIATES
PO BOX 609	MONETT	MO	65708	CORE PROVIDER	$402,322
DIEBOLD NIXDORF INC
PO BOX 643543	PITTSBURGH	PA	152643543	CASH MANAGEMENT & EQUIPMENT MAINTENANCE	$189,942
JWAALA
1717 WEST 6TH STREET STE 112	AUSTIN	TX	78703	ONLINE BANKING	$140,352
INSIGHT DIRECT USA
PO BOX 731069	DALLAS	TX	753731069	TECHNOLOGY EQUIPMENT	$121,422

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	5	CntrctRcvdGreaterThan100KCnt
Government Grants	$2,450	GovernmentGrantsAmt
Total Contributions	$2,450	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$10,902,405	$10,902,405
FEES & OTHER INCOME	522100	$6,000,719	$6,000,719
INSURANCE & WARRANTIES	522100	$52,500		$52,500
NON-MEMBER ATM FEES	522100	$36,732		$36,732

Field	Value	IRS element (for citing)
Total Program Service Revenue	$16,992,356	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$371,754	TotalRevenueColumnAmt
Related Or Exempt Func Income	$371,754	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Securities	$873,812	SecuritiesAmt
Other	$655,190	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Securities	$885,341	SecuritiesAmt
Other	$684,665	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Securities	-$11,529	SecuritiesAmt
Other	-$29,475	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$41,004	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$41,004	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$17,325,556	TotalRevenueColumnAmt
Related Or Exempt Func Income	$17,233,874	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$89,232	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$5,000	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$33,074	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$903,112	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$5,405,009	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$257,737	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$464,728	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$471,761	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$25,743	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$107,450	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$120,299	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$494,308	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$2,267,118	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$107,739	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$479,231	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$51,435	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$256,335	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$352,574	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$793,475	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$124,654	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
MEMBER DIVIDENDS	$1,571,992
LOAN SERVICING	$482,409
PROVISION FOR LOAN LOSS	$465,000
ASSOCIATION DUES	$85,389

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$108,624	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$15,434,196	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$2,304,363	BOYAmt
EOY	$2,420,214	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$14,336,645	BOYAmt
EOY	$10,530,453	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$42,642	BOYAmt
EOY	$103,010	EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

Field	Value	IRS element (for citing)
EOY	$2,400,000	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$222,584,100	BOYAmt
EOY	$249,707,085	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$566,577	BOYAmt
EOY	$579,181	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$20,008,786	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,981,375	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$9,209,537	BOYAmt
EOY	$13,027,411	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$14,401,346	BOYAmt
EOY	$11,264,742	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$9,693,892	BOYAmt
EOY	$9,992,775	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$6,618,594	BOYAmt
EOY	$6,161,469	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$279,757,696	BOYAmt
EOY	$306,186,340	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$1,963,137	BOYAmt
EOY	$2,145,599	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$27,649,029	BOYAmt
EOY	$33,337,725	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$223,565,469	BOYAmt
EOY	$242,280,590	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$253,177,635	BOYAmt
EOY	$277,763,914	EOYAmt

Field	Value	IRS element (for citing)
Org Does Not Follow SFAS117	Yes (X)	OrgDoesNotFollowSFAS117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

Field	Value	IRS element (for citing)
BOY	$0	BOYAmt
EOY	$0	EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

Field	Value	IRS element (for citing)
BOY	$26,580,061	BOYAmt
EOY	$28,422,426	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$26,580,061	BOYAmt
EOY	$28,422,426	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$279,757,696	BOYAmt
EOY	$306,186,340	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$1,891,360	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	-$48,995	NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets	$0	OtherChangesInNetAssetsAmt
Method Of Accounting Accrual	Yes (X)	MethodOfAccountingAccrualInd
Accountant Compile Or Review	0	AccountantCompileOrReviewInd
FS Audited	0	FSAuditedInd
Federal Grant Audit Required	0	FederalGrantAuditRequiredInd

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$2,087,320	OtherCostOrOtherBasisAmt
Book Value	$2,087,320	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$13,125,378	OtherCostOrOtherBasisAmt
Depreciation	$3,154,270	DepreciationAmt
Book Value	$9,971,108	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,621	OtherCostOrOtherBasisAmt
Depreciation	$8,975	DepreciationAmt
Book Value	$3,646	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,705,098	OtherCostOrOtherBasisAmt
Depreciation	$3,818,130	DepreciationAmt
Book Value	$886,968	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$78,369	OtherCostOrOtherBasisAmt
Book Value	$78,369	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$13,027,411	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARE DEPOSITS	Desc
Amt	$242,280,590	Amt

Field	Value	IRS element (for citing)
Total Liability	$242,280,590	TotalLiabilityAmt

Schedule J IRS990ScheduleJ

Field	Value	IRS element (for citing)
Club Dues Or Fees	Yes (X)	ClubDuesOrFeesInd
Written Policy Ref T And E Expnss	Yes (1)	WrittenPolicyRefTAndEExpnssInd
Substantiation Required	Yes (1)	SubstantiationRequiredInd
Compensation Committee	Yes (X)	CompensationCommitteeInd
Form990 Of Other Organizations	Yes (X)	Form990OfOtherOrganizationsInd
Compensation Survey	Yes (X)	CompensationSurveyInd
Board Or Committee Approval	Yes (X)	BoardOrCommitteeApprovalInd
Severance Payment	0	SeverancePaymentInd
Supplemental Nonqual Rtr Plan	0	SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm	0	EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (4 entries)

TitleTitleTxt	Base Compensation Filing OrgBaseCompensationFilingOrgAmt	Compensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmt	Bonus Filing OrganizationBonusFilingOrganizationAmount	Bonus Related OrganizationsBonusRelatedOrganizationsAmt	Other Compensation Filing OrgOtherCompensationFilingOrgAmt	Other Compensation Rltd OrgsOtherCompensationRltdOrgsAmt	Deferred Compensation Flng OrgDeferredCompensationFlngOrgAmt	Deferred Comp Rltd OrgsDeferredCompRltdOrgsAmt	Nontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmt	Nontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmt	Total Compensation Filing OrgTotalCompensationFilingOrgAmt	Total Compensation Rltd OrgsTotalCompensationRltdOrgsAmt	Comp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmt	Comp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
DANIEL SPRINGER
PRESIDENT/CEO	$190,165	$0	$24,154	$0	$2,894	$0	$15,193	$0	$6,142	$0	$238,548	$0	$0	$0
MICHELLE WALN
VP - CULTURE	$125,458	$0	$16,717	$0	$0	$0	$9,391	$0	$2,595	$0	$154,161	$0	$0	$0
ZACK CLOBES
VP - TECHNOLOGY	$120,349	$0	$15,662	$0	$1,905	$0	$7,081	$0	$8,090	$0	$153,087	$0	$0	$0
GARTH STRAND
FORMER PRESIDENT/CEO	$78,905	$0	$8,825	$0	$16,427	$0	$0	$0	$4,231	$0	$108,388	$0	$0	$0

Supplemental Information Detail SupplementalInformationDetail (2 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
PART I, LINE 1A	THE CREDIT UNION PROVIDES REIMBURSEMENT FOR YMCA MEMBERSHIP DUES. THIS BENEFIT IS AVAILABLE TO ALL EMPLOYEES, INCLUDING OFFICERS.
PART I, LINE 3	THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT/CEO'S PERFORMANCE AND SETS COMPENSATION USING INFORMATION FROM EXTERNAL SOURCES AND SURVEYS. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.

Schedule L IRS990ScheduleL

Loans Btwn Org Interested Prsn LoansBtwnOrgInterestedPrsnGrp

Field	Value	IRS element (for citing)
Person	DANIEL SPRINGER	PersonNm
Relationship With Org	PRESIDENT/CEO	RelationshipWithOrgTxt
Loan Purpose	NONRECOURSE SPLIT DOLLAR PLAN	LoanPurposeTxt
Loan From Organization	Yes (X)	LoanFromOrganizationInd
Original Principal	$2,400,000	OriginalPrincipalAmt
Balance Due	$2,400,000	BalanceDueAmt
Default	0	DefaultInd
Board Or Committee Approval	Yes (1)	BoardOrCommitteeApprovalInd
Written Agreement	Yes (1)	WrittenAgreementInd

Field	Value	IRS element (for citing)
Total Balance Due	$2,400,000	TotalBalanceDueAmt

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp (4 entries)

Relationship DescriptionRelationshipDescriptionTxt	TransactionTransactionAmt	TransactionTransactionDesc	Sharing Of RevenuesSharingOfRevenuesInd
MEMBERS MORTGAGE SERVICES LLC (MMS)
D.SPRINGER, J.GALLERY & K.PULLIAM ARE BOARD MEMBERS OF MMS	$277,874	SERVICE RELEASE PREMIUMS RECEIVED FROM MMS	0
MEMBERS MORTGAGE SERVICES LLC (MMS)
D.SPRINGER, J.GALLERY & K.PULLIAM ARE BOARD MEMBERS OF MMS	$545,792	GAIN RECEIVED FROM SALE OF MORTGAGES TO FNMA THROUGH MMS	0
MEMBERS MORTGAGE SERVICES LLC (MMS)
D.SPRINGER, J.GALLERY & K.PULLIAM ARE BOARD MEMBERS OF MMS	$65,250	FEES PAID TO MMS FOR MORTGAGE SERVICES PROVIDED FOR MEMBER LOANS AND USE OF MORTGAGE SERVICING TECHNOLOGY FOR IN-HOUSE LOANS	0
MEMBERS MORTGAGE SERVICES LLC (MMS)
D.SPRINGER, J.GALLERY & K.PULLIAM ARE BOARD MEMBERS OF MMS	$37,862	FEES RECEIVED FROM MMS FOR USE OF THE CREDIT UNION'S NETWORKS, TECHNOLOGY AND SUPPORT STAFF	0

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (7 entries)

Form And Line ReferenceFormAndLineReferenceDesc	ExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 6	THE CREDIT UNION IS MUTUALLY OWNED BY MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7A	THE BOARD OF DIRECTORS ARE ELECTED BY THE CREDIT UNION MEMBERS.
FORM 990, PART VI, SECTION A, LINE 7B	CERTAIN SIGNIFICANT CHANGES ARE SUBJECT TO APPROVAL BY THE CREDIT UNION MEMBERS; HOWEVER NO SUCH CHANGES WERE MADE DURING THE YEAR.
FORM 990, PART VI, SECTION B, LINE 11B	THE CFO REVIEWS THE FORM 990 WITH THE PRESIDENT/CEO AND APPROVES THE FINAL RETURN BEFORE FILING.
FORM 990, PART VI, SECTION B, LINE 12C	ON AN ANNUAL BASIS, OFFICERS, DIRECTORS, AND KEY EMPLOYEES ARE REQUIRED TO REVIEW THE CONFLICT OF INTEREST POLICY, DISCLOSE ANY INTERESTS THAT COULD GIVE RISE TO CONFLICTS, AND SUBMIT A SIGNED STATEMENT TO THAT EFFECT. THESE STATEMENTS ARE MAINTAINED ON FILE AT THE CREDIT UNION.
FORM 990, PART VI, SECTION B, LINE 15	THE COMPENSATION COMMITTEE OF THE BOARD OF DIRECTORS REVIEWS THE PRESIDENT/CEO'S PERFORMANCE AND SETS COMPENSATION USING INFORMATION FROM EXTERNAL SOURCES AND SURVEYS. SIMILARLY, THE PRESIDENT/CEO DETERMINES COMPENSATION FOR ALL OTHER OFFICERS AND KEY EMPLOYEES AND PRESENTS THIS AS PART OF THE BUDGET PACKAGE TO THE BOARD FOR APPROVAL. DELIBERATIONS AND DECISIONS ARE DOCUMENTED IN THE BOARD MINUTES.
FORM 990, PART VI, SECTION C, LINE 19	FINANCIAL STATEMENTS ARE POSTED IN THE CREDIT UNION'S LOBBY AND ON THEIR WEBSITE, PRESENTED AT THE ANNUAL MEETING, AND ARE AVAILABLE UPON REQUEST. IN ADDITION, THE NCUA WEBSITE POSTS FINANCIAL INFORMATION AS PART OF THE QUARTERLY CALL REPORTS. OTHER DOCUMENTS, POLICIES, AND PROCEDURES ARE AVAILABLE UPON REQUEST.

Schedule R IRS990ScheduleR

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

Field	Value	IRS element (for citing)
Business Name Line1	MEMBERSOURCE INC	BusinessNameLine1Txt

US Address USAddress

Field	Value	IRS element (for citing)
Address Line1	4000 N MONROE	AddressLine1Txt
City	HUTCHINSON	CityNm
State Abbreviation	KS	StateAbbreviationCd
ZIP	67502	ZIPCd

Field	Value	IRS element (for citing)
EIN	742809182	EIN
Primary Activities	SECURITIES BROKERAGE SERVICES	PrimaryActivitiesTxt
Legal Domicile State	KS	LegalDomicileStateCd

Direct Controlling Entity Name DirectControllingEntityName

Field	Value	IRS element (for citing)
Business Name Line1	SECURITIES BROKERAGE SERVICES	BusinessNameLine1Txt

Field	Value	IRS element (for citing)
Entity Type	C	EntityTypeTxt
Share Of Total Income	-$50	ShareOfTotalIncomeAmt
Share Of EOY Assets	$120,056	ShareOfEOYAssetsAmt
Ownership	1.00000	OwnershipPct
Controlled Organization	0	ControlledOrganizationInd

Field	Value	IRS element (for citing)
Receipt Of Int Annts Rnts Rylts	0	ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org	0	GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org	0	GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org	0	LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org	0	LoansOrGuaranteesFromOthOrgInd
Div Related Organization	0	DivRelatedOrganizationInd
Asset Sale To Other Org	0	AssetSaleToOtherOrgInd
Asset Purchase From Other Org	0	AssetPurchaseFromOtherOrgInd
Asset Exchange	0	AssetExchangeInd
Rental Of Facilities To Oth Org	0	RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org	0	RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org	0	PerformOfServicesForOthOrgInd
Perform Of Services By Other Org	0	PerformOfServicesByOtherOrgInd
Sharing Of Facilities	0	SharingOfFacilitiesInd
Paid Employees Sharing	0	PaidEmployeesSharingInd
Reimbursement Paid To Other Org	0	ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other Org	0	ReimbursementPaidByOtherOrgInd
Transfer To Other Org	0	TransferToOtherOrgInd
Transfer From Other Org	0	TransferFromOtherOrgInd