HEARTLAND CREDIT UNION: Form 990, tax year 2016

View the entire original 990 at ProPublica ↗

Organization: HEARTLAND CREDIT UNION (EIN 48-0612011)
Tax period: 2016-01-01 to 2016-12-31
Filed: 2017-11-14
IRS object ID: 201733189349305023
Schema version: 2016v3.0
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 B
Schedule D
Schedule I
Schedule J
Schedule L
Schedule O
Schedule R

Return header ReturnHeader

Field	Value	IRS element (for citing)
Return	2017-11-14T11:58:34-06:00	ReturnTs
Tax Period End	2016-12-31	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	2016-01-01	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	2017-11-14	SignatureDt
Discuss With Paid Preparer	Yes (1)	DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

Field	Value	IRS element (for citing)
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	2017-11-14	IPDt
IP Tm	11:58:16	IPTm
IP Timezone	CS	IPTimezoneCd
Filing License Type	P	FilingLicenseTypeCd
At Submission Creation Device Id	F833D4313777CB96842A8180D2DBFCFD1CED2197	AtSubmissionCreationDeviceId
At Submission Filing Device Id	F833D4313777CB96842A8180D2DBFCFD1CED2197	AtSubmissionFilingDeviceId

Field	Value	IRS element (for citing)
Tax	2016	TaxYr
Build TS	2017-02-10 21:41:12Z	BuildTS

Form 990 IRS990

Field	Value	IRS element (for citing)
Principal Officer	DAN 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	$17,132,913	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	138	TotalEmployeeCnt
Total Volunteers	16	TotalVolunteersCnt
Total Gross UBI	$86,354	TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm	-$55,623	NetUnrelatedBusTxblIncmAmt
PY Contributions Grants	$0	PYContributionsGrantsAmt
CY Contributions Grants	$7,500	CYContributionsGrantsAmt
PY Program Service Revenue	$14,039,812	PYProgramServiceRevenueAmt
CY Program Service Revenue	$16,079,794	CYProgramServiceRevenueAmt
PY Investment Income	$435,791	PYInvestmentIncomeAmt
CY Investment Income	$493,291	CYInvestmentIncomeAmt
PY Other Revenue	$0	PYOtherRevenueAmt
CY Other Revenue	$0	CYOtherRevenueAmt
PY Total Revenue	$14,475,603	PYTotalRevenueAmt
CY Total Revenue	$16,580,585	CYTotalRevenueAmt
PY Grants And Similar Paid	$9,822	PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid	$9,819	CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members	$35,474	PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members	$32,975	CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid	$5,642,154	PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid	$6,653,726	CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns	$0	PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns	$0	CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense	$0	CYTotalFundraisingExpenseAmt
PY Other Expenses	$7,104,257	PYOtherExpensesAmt
CY Other Expenses	$7,260,333	CYOtherExpensesAmt
PY Total Expenses	$12,791,707	PYTotalExpensesAmt
CY Total Expenses	$13,956,853	CYTotalExpensesAmt
PY Revenues Less Expenses	$1,683,896	PYRevenuesLessExpensesAmt
CY Revenues Less Expenses	$2,623,732	CYRevenuesLessExpensesAmt
Total Assets BOY	$264,817,388	TotalAssetsBOYAmt
Total Assets EOY	$279,757,696	TotalAssetsEOYAmt
Total Liabilities BOY	$240,872,277	TotalLiabilitiesBOYAmt
Total Liabilities EOY	$253,177,635	TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY	$23,945,111	NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY	$26,580,061	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 23,045 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, 2016, THERE WERE 20,257 LOANS OUTSTANDING TOTALING $224,930,575.	Desc

Prog Srvc Accom Acty3 ProgSrvcAccomActy3Grp

Field	Value	IRS element (for citing)
Desc	PAID DIVIDENDS ON MEMBER DEPOSITS TOTALING $1,580,287 FOR THE YEAR.	Desc

Field	Value	IRS element (for citing)
Described In Section501c3	0	DescribedInSection501c3Ind
Schedule B Required	Yes (1)	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	Yes (1)	GrantsToIndividualsInd
Schedule J Required	Yes (1)	ScheduleJRequiredInd
Tax Exempt Bonds	0	TaxExemptBondsInd
Loan Outstanding	0	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	6620	IRPDocumentCnt
IRP Document W2 G	0	IRPDocumentW2GCnt
Backup Wthld Compliance	Yes (1)	BackupWthldComplianceInd
Employee	138	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 (14 entries)

TitleTitleTxt	Average Hours Per WeekAverageHoursPerWeekRt	Individual Trustee Or DirectorIndividualTrusteeOrDirectorInd	Reportable Comp From OrgReportableCompFromOrgAmt	Reportable Comp From Rltd OrgReportableCompFromRltdOrgAmt	Other CompensationOtherCompensationAmt	OfficerOfficerInd
MARK WOLESLAGEL
CHAIRMAN	3.00	Yes (X)	$0	$0	$0
ROY BROXTERMAN
VICE CHAIRMAN	3.00	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
REX CHRISTNER
BOARD MEMBER	2.00	Yes (X)	$0	$0	$0
GARTH STRAND
PRESIDENT/CEO (RETIRED), VP-LENDING (INTERIM)	50.00		$203,334	$0	$25,335	Yes (X)
DAN SPRINGER
PRESIDENT/CEO (CURRENT)	50.00		$167,388	$0	$17,662	Yes (X)
MICHELLE WALN
VP - CULTURE	50.00		$123,004	$0	$11,531	Yes (X)
ZACK CLOBES
VP - TECHNOLOGY	50.00		$127,303	$0	$16,399	Yes (X)
DANIEL MCFADDEN
AVP - COMMERCIAL SERVICES	50.00		$107,746	$0	$16,767	Yes (X)
JEREMY STAUFFACHER
VP - SALES & SERVICE	50.00		$84,949	$0	$12,328	Yes (X)
JOEL ANDREW
CFO	50.00		$55,833	$0	$13,278	Yes (X)

Field	Value	IRS element (for citing)
Total Reportable Comp From Org	$869,557	TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org	$0	TotReportableCompRltdOrgAmt
Total Other Compensation	$113,300	TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K	5	IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed	0	FormerOfcrEmployeesListedInd
Total Comp Greater Than150 K	Yes (1)	TotalCompGreaterThan150KInd
Compensation From Other Srcs	0	CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (2 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	$1,365,484
SHELDEN ARCHITECTURE
800 E 1ST STREET N	WICHITA	KS	67202	ARCHITECTURE & BUILDING DESIGN	$236,857

Field	Value	IRS element (for citing)
Cntrct Rcvd Greater Than100 K	2	CntrctRcvdGreaterThan100KCnt
Government Grants	$7,500	GovernmentGrantsAmt
Total Contributions	$7,500	TotalContributionsAmt

Program Service Revenue ProgramServiceRevenueGrp (4 entries)

DescDesc	BusinessBusinessCd	Total Revenue ColumnTotalRevenueColumnAmt	Related Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt	Unrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS	522100	$9,576,144	$9,576,144
FEES & OTHER INCOME	522100	$6,417,296	$6,417,296
INSURANCE & WARRANTIES	522100	$50,102		$50,102
NON-MEMBER ATM FEES	522100	$36,252		$36,252

Field	Value	IRS element (for citing)
Total Program Service Revenue	$16,079,794	TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$507,147	TotalRevenueColumnAmt
Related Or Exempt Func Income	$507,147	RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

Field	Value	IRS element (for citing)
Other	$538,472	OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

Field	Value	IRS element (for citing)
Other	$552,328	OtherAmt

Gain Or Loss GainOrLossGrp

Field	Value	IRS element (for citing)
Other	-$13,856	OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

Field	Value	IRS element (for citing)
Total Revenue Column	-$13,856	TotalRevenueColumnAmt
Related Or Exempt Func Income	-$13,856	RelatedOrExemptFuncIncomeAmt

Total Revenue TotalRevenueGrp

Field	Value	IRS element (for citing)
Total Revenue Column	$16,580,585	TotalRevenueColumnAmt
Related Or Exempt Func Income	$16,486,731	RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue	$86,354	UnrelatedBusinessRevenueAmt
Exclusion	$0	ExclusionAmt

Grants To Domestic Individuals GrantsToDomesticIndividualsGrp

Field	Value	IRS element (for citing)
Total	$9,819	TotalAmt

Benefits To Members BenefitsToMembersGrp

Field	Value	IRS element (for citing)
Total	$32,975	TotalAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

Field	Value	IRS element (for citing)
Total	$982,857	TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

Field	Value	IRS element (for citing)
Total	$4,488,636	TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

Field	Value	IRS element (for citing)
Total	$200,845	TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

Field	Value	IRS element (for citing)
Total	$584,639	TotalAmt

Payroll Taxes PayrollTaxesGrp

Field	Value	IRS element (for citing)
Total	$396,749	TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

Field	Value	IRS element (for citing)
Total	$17,122	TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

Field	Value	IRS element (for citing)
Total	$109,777	TotalAmt

Fees For Services Other FeesForServicesOtherGrp

Field	Value	IRS element (for citing)
Total	$142,162	TotalAmt

Advertising AdvertisingGrp

Field	Value	IRS element (for citing)
Total	$427,603	TotalAmt

Office Expenses OfficeExpensesGrp

Field	Value	IRS element (for citing)
Total	$1,950,426	TotalAmt

Information Technology InformationTechnologyGrp

Field	Value	IRS element (for citing)
Total	$80,973	TotalAmt

Occupancy OccupancyGrp

Field	Value	IRS element (for citing)
Total	$394,513	TotalAmt

Travel TravelGrp

Field	Value	IRS element (for citing)
Total	$38,420	TotalAmt

Conferences Meetings ConferencesMeetingsGrp

Field	Value	IRS element (for citing)
Total	$201,829	TotalAmt

Interest InterestGrp

Field	Value	IRS element (for citing)
Total	$201,292	TotalAmt

Depreciation Depletion DepreciationDepletionGrp

Field	Value	IRS element (for citing)
Total	$654,862	TotalAmt

Insurance InsuranceGrp

Field	Value	IRS element (for citing)
Total	$112,227	TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDesc	TotalTotalAmt
MEMBER DIVIDENDS	$1,580,287
PROVISION FOR LOAN LOSS	$633,778
LOAN SERVICING	$462,495
ASSOCIATION DUES	$82,338

All Other Expenses AllOtherExpensesGrp

Field	Value	IRS element (for citing)
Total	$170,229	TotalAmt

Total Functional Expenses TotalFunctionalExpensesGrp

Field	Value	IRS element (for citing)
Total	$13,956,853	TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

Field	Value	IRS element (for citing)
BOY	$2,955,654	BOYAmt
EOY	$2,304,363	EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

Field	Value	IRS element (for citing)
BOY	$19,779,497	BOYAmt
EOY	$14,336,645	EOYAmt

Accounts Receivable AccountsReceivableGrp

Field	Value	IRS element (for citing)
BOY	$31,303	BOYAmt
EOY	$42,642	EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

Field	Value	IRS element (for citing)
BOY	$203,476,724	BOYAmt
EOY	$222,584,100	EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

Field	Value	IRS element (for citing)
BOY	$380,503	BOYAmt
EOY	$566,577	EOYAmt

Field	Value	IRS element (for citing)
Land Bldg Equip Cost Or Other Bss	$15,557,979	LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec	$6,348,442	LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

Field	Value	IRS element (for citing)
BOY	$7,794,389	BOYAmt
EOY	$9,209,537	EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

Field	Value	IRS element (for citing)
BOY	$15,960,845	BOYAmt
EOY	$14,401,346	EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

Field	Value	IRS element (for citing)
BOY	$8,538,988	BOYAmt
EOY	$9,693,892	EOYAmt

Other Assets Total OtherAssetsTotalGrp

Field	Value	IRS element (for citing)
BOY	$5,899,485	BOYAmt
EOY	$6,618,594	EOYAmt

Total Assets TotalAssetsGrp

Field	Value	IRS element (for citing)
BOY	$264,817,388	BOYAmt
EOY	$279,757,696	EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

Field	Value	IRS element (for citing)
BOY	$991,028	BOYAmt
EOY	$1,963,137	EOYAmt

Mortg Notes Pybl Scrd Invst Prop MortgNotesPyblScrdInvstPropGrp

Field	Value	IRS element (for citing)
BOY	$27,774,652	BOYAmt
EOY	$27,649,029	EOYAmt

Other Liabilities OtherLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$212,106,597	BOYAmt
EOY	$223,565,469	EOYAmt

Total Liabilities TotalLiabilitiesGrp

Field	Value	IRS element (for citing)
BOY	$240,872,277	BOYAmt
EOY	$253,177,635	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	$23,945,111	BOYAmt
EOY	$26,580,061	EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$23,945,111	BOYAmt
EOY	$26,580,061	EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

Field	Value	IRS element (for citing)
BOY	$264,817,388	BOYAmt
EOY	$279,757,696	EOYAmt

Field	Value	IRS element (for citing)
Reconcilation Revenue Expnss	$2,623,732	ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst	$11,218	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 B IRS990ScheduleB

Contributor Information ContributorInformationGrp

Field	Value	IRS element (for citing)
Contributor	RESTRICTED	ContributorNum

Contributor Business Name ContributorBusinessName

Field	Value	IRS element (for citing)
Business Name Line1	RESTRICTED	BusinessNameLine1

Contributor US Address ContributorUSAddress

Field	Value	IRS element (for citing)
Address Line1	RESTRICTED	AddressLine1
Address Line2	RESTRICTED	AddressLine2
City	RESTRICTED	City
State	RESTRICTED	State
ZIP Code	RESTRICTED	ZIPCode

Field	Value	IRS element (for citing)
Total Contributions	RESTRICTED	TotalContributionsAmt

Schedule D IRS990ScheduleD

Land LandGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,433,820	OtherCostOrOtherBasisAmt
Book Value	$1,433,820	BookValueAmt

Buildings BuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$8,145,430	OtherCostOrOtherBasisAmt
Depreciation	$2,816,360	DepreciationAmt
Book Value	$5,329,070	BookValueAmt

Leasehold Improvements LeaseholdImprovementsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$12,621	OtherCostOrOtherBasisAmt
Depreciation	$8,134	DepreciationAmt
Book Value	$4,487	BookValueAmt

Equipment EquipmentGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$4,270,153	OtherCostOrOtherBasisAmt
Depreciation	$3,523,948	DepreciationAmt
Book Value	$746,205	BookValueAmt

Other Land Buildings OtherLandBuildingsGrp

Field	Value	IRS element (for citing)
Other Cost Or Other Basis	$1,695,955	OtherCostOrOtherBasisAmt
Book Value	$1,695,955	BookValueAmt

Field	Value	IRS element (for citing)
Total Book Value Land Buildings	$9,209,537	TotalBookValueLandBuildingsAmt

Other Liabilities Org OtherLiabilitiesOrgGrp

Field	Value	IRS element (for citing)
Desc	MEMBER SHARE DEPOSITS	Desc
Amt	$223,565,469	Amt

Field	Value	IRS element (for citing)
Total Liability	$223,565,469	TotalLiabilityAmt

Schedule I IRS990ScheduleI

Field	Value	IRS element (for citing)
Grant Records Maintained	Yes (1)	GrantRecordsMaintainedInd

Grants Other Asst To Indiv In US GrantsOtherAsstToIndivInUSGrp (2 entries)

Grant TypeGrantTypeTxt	RecipientRecipientCnt	Cash GrantCashGrantAmt
TWO NON-RENEWABLE $2,500 SCHOLARSHIPS WERE AWARDED TO TWO CURRENT HCU MEMBERS ENROLLED IN AN ACCREDITED COLLEGE, UNIVERSITY OR TECHNICAL SCHOOL.	2	$5,000
C.A.S.H. GRANTS IN AMOUNTS RANGING FROM $100 TO $400 WERE AWARDED TO 14 MEMBER-EDUCATORS IN 2016.	14	$4,819

Supplemental Information Detail SupplementalInformationDetail

Field	Value	IRS element (for citing)
Form And Line Reference	PART I, LINE 2:	FormAndLineReferenceDesc
Explanation	THE "GPA ISN'T THE ONLY WAY" SCHOLARSHIP PROGRAM AWARDS TWO NON-RENEWABLE $2,500 SCHOLARSHIPS TO STUDENTS ENROLLED FULL-TIME IN AN ACCREDITED COLLEGE, UNIVERSITY OR TECHNICAL SCHOOL. TO BE ELIGIBLE, ENTRANTS MUST BE A HEARTLAND CREDIT UNION PRIMARY ACCOUNT HOLDER "IN GOOD STANDING." THE FUNDS ARE PAID DIRECTLY TO THE SCHOOL IN THE STUDENT'S NAME UPON CONFIRMATION OF ENROLLMENT AND ARE TO BE USED ONLY FOR TUITION, FEES, BOOKS, SUPPLIES, AND REQUIRED EQUIPMENT. THE C.A.S.H. (CELEBRATE ACADEMIC SUCCESS WITH HCU) GRANT PROGRAM WAS ESTABLISHED TO SUPPORT THE PROJECTS OF MEMBER-EDUCATORS. A COMMITTEE OF VOLUNTEERS AND CREDIT UNION STAFF REVIEW APPLICATIONS AND AWARD NON-RENEWABLE GRANTS IN AMOUNTS RANGING FROM $100-$400. ALL SUBMISSIONS MUST BE APPROVED BY THE APPLICABLE SCHOOL PRINCIPAL.	ExplanationTxt

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 (2 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
GARTH STRAND
PRESIDENT/CEO (RETIRED), VP-LENDING	$191,269	$0	$8,312	$0	$3,753	$0	$14,397	$0	$10,938	$0	$228,669	$0	$0	$0
DAN SPRINGER
PRESIDENT/CEO (CURRENT)	$157,023	$0	$7,471	$0	$2,894	$0	$11,709	$0	$5,953	$0	$185,050	$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

Bus Tr Involve Interested Prsn BusTrInvolveInterestedPrsnGrp (4 entries)

Relationship DescriptionRelationshipDescriptionTxt	TransactionTransactionAmt	TransactionTransactionDesc	Sharing Of RevenuesSharingOfRevenuesInd
MEMBERS MORTGAGE SERVICES LLC (MMS)
G.STRAND, D.SPRINGER & K.PULLIAM ARE BOARD MEMBERS OF MMS	$349,190	SERVICE RELEASE PREMIUMS RECEIVED FROM MMS	0
MEMBERS MORTGAGE SERVICES LLC (MMS)
G.STRAND, D.SPRINGER & K.PULLIAM ARE BOARD MEMBERS OF MMS	$569,061	GAIN RECEIVED FROM SALE OF MORTGAGES TO FNMA THROUGH MMS	0
MEMBERS MORTGAGE SERVICES LLC (MMS)
G.STRAND, D.SPRINGER & K.PULLIAM ARE BOARD MEMBERS OF MMS	$77,745	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)
G.STRAND, D.SPRINGER & K.PULLIAM ARE BOARD MEMBERS OF MMS	$70,493	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	-$55	ShareOfTotalIncomeAmt
Share Of EOY Assets	$120,106	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