Civic Intelligence

Heartland Credit Union

EIN 37-0665733 • 501(c)14 • springfield, IL

View Organization Page

Profile

To improve members' lives.

2213 west white oaks drivespringfield, IL 62704

www.hcu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

32nd percentile

0.89x

Higher debt load relative to assets than 32% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Liabilities / Revenue

91st percentile

20.72x

Higher debt load relative to revenue than 91% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Net Margin

97th percentile

33%

Higher net margin than 97% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2022

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

78th percentile

6.9%

Faster asset growth than 78% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2022

Revenue Growth

27th percentile

9.2%

Faster revenue growth than 27% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2020 to 2022

Balance Sheet
Liabilities / Assets32nd percentile

Assets

Up

$499,827,087

Up $48,004,860 (+11%) from 2023

Liabilities

Up

$436,555,498

Up $40,232,384 (+10%) from 2023

Net Assets

Up

$63,271,589

Up $7,772,476 (+14%) from 2023

Operations
Liabilities / Revenue91st percentileNet Margin97th percentile

Revenue

Up

$29,685,139

Up $6,162,460 (+26%) from 2023

Expenses

Up

$21,907,066

Up $5,324,790 (+32%) from 2023

Net Income

Up

$7,778,073

Up $837,670 (+12%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth78th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$600M$400M$200M$0Assets 2010: $207,868,966Liabilities 2010: $190,863,679Net Assets 2010: $17,005,2872010Assets 2011: $208,642,350Liabilities 2011: $189,812,890Net Assets 2011: $18,829,4602011Assets 2012: $218,526,009Liabilities 2012: $197,323,254Net Assets 2012: $21,202,7552012Assets 2013: $230,787,940Liabilities 2013: $208,074,995Net Assets 2013: $22,712,9452013Assets 2014: $239,764,172Liabilities 2014: $215,220,985Net Assets 2014: $24,543,1872014Assets 2015: $255,686,516Liabilities 2015: $228,991,433Net Assets 2015: $26,695,0832015Assets 2016: $266,348,584Liabilities 2016: $237,709,820Net Assets 2016: $28,638,7642016Assets 2017: $280,065,566Liabilities 2017: $249,212,722Net Assets 2017: $30,852,8442017Assets 2018: $296,315,864Liabilities 2018: $262,704,123Net Assets 2018: $33,611,7412018Assets 2019: $320,644,420Liabilities 2019: $284,129,251Net Assets 2019: $36,515,1692019Assets 2020: $382,163,179Liabilities 2020: $342,350,782Net Assets 2020: $39,812,3972020Assets 2021: $431,652,199Liabilities 2021: $388,151,863Net Assets 2021: $43,500,3362021Assets 2022: $436,851,112Liabilities 2022: $387,925,229Net Assets 2022: $48,925,8832022Assets 2023: $451,822,227Liabilities 2023: $396,323,114Net Assets 2023: $55,499,1132023Assets 2024: $499,827,087Liabilities 2024: $436,555,498Net Assets 2024: $63,271,5892024

Highlighted filing

2024

Assets$499,827,087
Liabilities$436,555,498
Net Assets$63,271,589
Open 2024 Filing

Operations Trend

Revenue Growth27th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$30M$20M$10M$0Expenses 2010: $9,838,5872010Expenses 2011: $8,720,4462011Expenses 2012: $8,756,9342012Revenue 2013: $10,819,676Expenses 2013: $9,108,432Net Income 2013: $1,711,2442013Revenue 2014: $10,913,710Expenses 2014: $9,083,468Net Income 2014: $1,830,2422014Revenue 2015: $11,378,754Expenses 2015: $9,226,858Net Income 2015: $2,151,8962015Revenue 2016: $11,809,801Expenses 2016: $9,866,120Net Income 2016: $1,943,6812016Revenue 2017: $12,419,480Expenses 2017: $10,205,400Net Income 2017: $2,214,0802017Revenue 2018: $13,895,748Expenses 2018: $11,136,851Net Income 2018: $2,758,8972018Revenue 2019: $15,438,624Expenses 2019: $12,535,196Net Income 2019: $2,903,4282019Revenue 2020: $15,696,544Expenses 2020: $12,399,316Net Income 2020: $3,297,2282020Revenue 2021: $15,239,145Expenses 2021: $11,476,298Net Income 2021: $3,762,8472021Revenue 2022: $18,718,178Expenses 2022: $12,506,751Net Income 2022: $6,211,4272022Revenue 2023: $23,522,679Expenses 2023: $16,582,276Net Income 2023: $6,940,4032023Revenue 2024: $29,685,139Expenses 2024: $21,907,066Net Income 2024: $7,778,0732024

Highlighted filing

2024

Revenue$29,685,139
Expenses$21,907,066
Net Income$7,778,073
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$499,827,087
Liabilities
$436,555,498
Net assets
$63,271,589
Revenue
$29,685,139
Expenses
$21,907,066
Net income
$7,778,073
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$500$437$63.3$29.7$21.9$7.78
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$452$396$55.5$23.5$16.6$6.94
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$437$388$48.9$18.7$12.5$6.21
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$432$388$43.5$15.2$11.5$3.76
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$382$342$39.8$15.7$12.4$3.30
2019Detailed filing. Detailed filing data is available for this year.$321$284$36.5$15.4$12.5$2.90
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$296$263$33.6$13.9$11.1$2.76
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$280$249$30.9$12.4$10.2$2.21
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$266$238$28.6$11.8$9.87$1.94
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$256$229$26.7$11.4$9.23$2.15
2014Detailed filing. Detailed filing data is available for this year.$240$215$24.5$10.9$9.08$1.83
2013Detailed filing. Detailed filing data is available for this year.$231$208$22.7$10.8$9.11$1.71
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$219$197$21.2$8.76
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$209$190$18.8$8.72
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$208$191$17.0$9.84
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2019 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
May 4, 2020
Return Version
2019v5.0
Gross Receipts
$15,438,624
Mission and Program Overview

Mission

To improve members' lives.

To assists our members in the management of their financial well-being by providing loans, savings accounts and other financial services in a friendly and professional manner.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$236,268,803$247,561,156▲ $11,292,353
Savings and Temporary Cash Investments$37,395,283$49,917,127▲ $12,521,844
Rtn Earn Endowment Incm Other Fnds$33,611,741$36,515,169▲ $2,903,428
Land, Buildings, and Equipment, Net$6,081,330$5,995,563▼ $85,767
Investments Other Securities$5,065,902$5,176,266▲ $110,364
Receivables From Officers Etc$3,992,740$4,080,495▲ $87,755
Cash and Non-Interest-Bearing Accounts$2,397,473$2,581,057▲ $183,584
Prepaid Expenses and Deferred Charges$1,992,218$1,971,446▼ $20,772
Accounts Receivable$0$0→ $0
Pledges and Grants Receivable$0$0→ $0
Receivable From Disqualified Prsn$0$0→ $0
Investments Program Related$0$0→ $0
Investments in Publicly Traded Securities$0$0→ $0
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Intangible Assets$0$0→ $0
Inventories for Sale or Use$0$0→ $0
Total Assets$296,315,864$320,644,420▲ $24,328,556
Other Assets Total$3,122,115$3,361,310▲ $239,195
Liabilities
Other Liabilities$260,527,641$280,870,463▲ $20,342,822
Accounts Payable and Accrued Expenses$2,176,482$3,258,788▲ $1,082,306
Total Liabilities$262,704,123$284,129,251▲ $21,425,128
Net Assets / Fund Balance
Total Net Assets Fund Balance$33,611,741$36,515,169▲ $2,903,428
Total Liabilities and Net Assets / Fund Balance$296,315,864$320,644,420▲ $24,328,556

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$4,149,896$2,424,803$6,574,699
Equipment$433,747$2,271,862$2,705,609
Land$1,339,104-$1,339,104
Other Land Buildings$72,816$650,080$722,896
Leasehold Improvements$0$0$0
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Thomas LexPresident/CEOFT$233,550$88,049$321,599
David BretzChief Financial OfficerFT$145,606$77,852$223,458
Robin LoftusChief Operating OfficerFT$143,120$44,161$187,281
Cris LustVP of Mortgage LendingFT$148,839$23,574$172,413
Corie JohnstonChief Administrative OfficerFT$112,074$43,118$155,192
Kristen AnelloVP of Information SystemsFT$121,510$21,702$143,212
Timothy TorricelliMortgage Loan OfficerFT$111,466$8,246$119,712
Brett JacksonBoard Member-$1,526-$1,526
Steve TrutterChairperson-$1,326-$1,326

Board Members and Trustees

NameTitle
Mike WorkmanVice Chairperson
Amy OakesBoard Member
Jay BoorBoard Member
Lisa FlynnBoard Member
Matthew DavlinBoard Member
Richard SgroBoard Member
Jane KielSecretary/treasuer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$14,153,671
Investment Income
$1,284,953
Other Revenue
$0
Change in Net Assets
$2,903,428
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$6,964,716
Salaries, Compensation, and Employee Benefits$5,570,480
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$3,691,625
Other Expenses---$2,040,218
Current Officers, Directors, Trustees, and Key Employees---$889,632
Information Technology---$570,488
Occupancy---$516,275
Other Employee Benefits---$411,848
Depreciation Depletion---$373,955
Advertising---$352,098
Payroll Taxes---$326,752
Office Expenses---$264,623
Pension Plan Contributions---$250,623
All Other Expenses---$131,803
Travel---$125,810
Fees for Services Other---$110,212
Insurance---$103,673
Fees for Services Accounting---$96,579
Fees for Services Legal---$5,419
Total Functional Expenses$0$0$0$12,535,196
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,992,740$4,080,495▲ $87,755
Receivables from Disqualified Persons$0$0→ $0
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Deposits$280,870,463
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union is a financial cooperative. Depositors are considered members of the credit union.”

Form 990, Part VI, Section A, Line 7A

“The members of the credit union annually elect the board of directors of the organization either directly or through their proxy.”

Form 990, Part VI, Section B, Line 11B

“No review was or will be conducted.”

Form 990, Part VI, Section B, Line 12C

“Annually the directors sign an oath of office form that requires them to disclose any conflicts of interest.”

Form 990, Part VI, Section B, Line 15

“The credit union has a formal salary administration plan with a third party vendor. The board's employee compensation committee sets annual merit increases for all staff. They approve the compensation of the president/ceo.”

Form 990, Part VI, Section C, Line 19

“No documents made available to the public.”

Filing and Contact Details

Filer

Filer Name
heartland credit union
EIN
37-0665733
Phone
2177268877
Address
2213 west white oaks drive, springfield, IL 62704

Signing Officer

Name
david bretz
Title
chief financial officer
Phone
2177268877
Signed
2020-05-04

Organization Details

Principal Officer
Thomas Lex
Formed
1946
Legal Domicile
Il
Voting Board Members
9
Independent Board Members
9
Employees
95
Volunteers
9
Raw XML AppendixShowing 400 of 577 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt02176482
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt03258788
IRS990/AccountsReceivableGrp/BOYAmt00
IRS990/AccountsReceivableGrp/EOYAmt00
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO ASSISTS OUR MEMBERS IN THE MANAGEMENT OF THEIR FINANCIAL WELL-BEING BY PROVIDING LOANS, SAVINGS ACCOUNTS AND OTHER FINANCIAL SERVICES IN A FRIENDLY AND PROFESSIONAL MANNER.
IRS990/AdvertisingGrp/TotalAmt0352098
IRS990/AllOtherExpensesGrp/TotalAmt0131803
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BenefitsToMembersGrp/TotalAmt00
IRS990/BooksInCareOfDetail/PersonNm0david bretz
IRS990/BooksInCareOfDetail/PhoneNum02177268877
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt02213 west white oaks drive
IRS990/BooksInCareOfDetail/USAddress/CityNm0springfield
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0IL
IRS990/BooksInCareOfDetail/USAddress/ZIPCd062704
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IRS990/CashNonInterestBearingGrp/BOYAmt02397473
IRS990/CashNonInterestBearingGrp/EOYAmt02581057
IRS990/ChangeToOrgDocumentsInd00
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0889632
IRS990/CompDisqualPersonsGrp/TotalAmt00
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConferencesMeetingsGrp/TotalAmt00
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/CreditCounselingInd00
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IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt01284953
IRS990/CYOtherExpensesAmt06964716
IRS990/CYOtherRevenueAmt00
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IRS990/CYRevenuesLessExpensesAmt02903428
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IRS990/CYTotalExpensesAmt012535196
IRS990/CYTotalFundraisingExpenseAmt00
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IRS990/CYTotalRevenueAmt015438624
IRS990/DecisionsSubjectToApprovaInd00
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IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0373955
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IRS990/FeesForServicesAccountingGrp/TotalAmt096579
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IRS990/FeesForServicesLobbyingGrp/TotalAmt00
IRS990/FeesForServicesManagementGrp/TotalAmt00
IRS990/FeesForServicesOtherGrp/TotalAmt0110212
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IRS990/FeesForSrvcInvstMgmntFeesGrp/TotalAmt00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
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IRS990/Form990PartVIISectionAGrp/PersonNm0STEVE TRUTTER
IRS990/Form990PartVIISectionAGrp/PersonNm1MIKE WORKMAN
IRS990/Form990PartVIISectionAGrp/PersonNm2JANE KIEL
IRS990/Form990PartVIISectionAGrp/PersonNm3LISA FLYNN
IRS990/Form990PartVIISectionAGrp/PersonNm4MATTHEW DAVLIN
IRS990/Form990PartVIISectionAGrp/PersonNm5AMY OAKES
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IRS990/Form990PartVIISectionAGrp/PersonNm7BRETT JACKSON
IRS990/Form990PartVIISectionAGrp/PersonNm8RICHARD SGRO
IRS990/Form990PartVIISectionAGrp/PersonNm9THOMAS LEX
IRS990/Form990PartVIISectionAGrp/PersonNm10DAVID BRETZ
IRS990/Form990PartVIISectionAGrp/PersonNm11CORIE JOHNSTON
IRS990/Form990PartVIISectionAGrp/PersonNm12ROBIN LOFTUS
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IRS990/Form990PartVIISectionAGrp/TitleTxt11CHIEF ADMINISTRATIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt12CHIEF OPERATING OFFICER
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IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF MORTGAGE LENDING
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IRS990/OtherAssetsTotalGrp/EOYAmt03361310
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IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt1145606
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt2112074
IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt3143120

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