Civic Intelligence

Heritage Credit Union

EIN 39-6048473 • 501(c)14 • Madison, WI

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Profile

Heritage credit union is a full-service financial institution offering members a convenient, one source solution for all their financial needs. We have built a tradition of trust with our members by delivering quality products at competitive rates, while providing superior service in the many communities we serve. Our goal is to build relationships with our members that are mutually strong and long lasting.

1212 Huxley StMadison, WI 53704

www.heritagecu.org

Siviq Scores

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

Liabilities / Assets

Score unavailable

No value available

Liabilities-to-assets requires both liabilities and assets on the latest valid filing.

Source year 2022

Liabilities / Revenue

35th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Net Margin

30th percentile

-16%

Higher net margin than 30% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Top Officer Pay

98th percentile

$518,409

Higher top officer pay than 98% of similar nonprofits.

Top officer pay equals 18.8% of source-year revenue.

501(c)14 • $1M-$5M nonprofits • Source year 2022

Asset Growth

34th percentile

-100%

Faster asset growth than 34% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Revenue Growth

3rd percentile

-86%

Faster revenue growth than 3% of similar nonprofits.

501(c)14 • $1M-$5M nonprofits • Annualized from 2021 to 2022

Balance Sheet
Liabilities / AssetsScore unavailable

Assets

Down

$0

Down $461,320,772 (-100%) from 2021

Liabilities

Down

$0

Down $410,616,289 (-100%) from 2021

Net Assets

Down

$0

Down $50,704,483 (-100%) from 2021

Operations
Liabilities / Revenue35th percentileNet Margin30th percentile

Revenue

Down

$2,753,323

Down $17,439,906 (-86%) from 2021

Expenses

Down

$3,204,172

Down $13,408,434 (-81%) from 2021

Net Income

Down

-$450,849

Down $4,031,472 (-113%) from 2021

Trend Graphs

Balance Sheet Trend

Asset Growth34th percentile

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

$600M$400M$200M$0Assets 2010: $163,412,217Liabilities 2010: $141,300,108Net Assets 2010: $22,112,1092010Assets 2011: $219,473,543Liabilities 2011: $192,369,448Net Assets 2011: $27,104,0952011Assets 2012: $225,294,652Liabilities 2012: $196,594,720Net Assets 2012: $28,699,9322012Assets 2013: $259,247,783Liabilities 2013: $226,382,162Net Assets 2013: $32,865,6212013Assets 2014: $271,911,717Liabilities 2014: $237,824,976Net Assets 2014: $34,086,7412014Assets 2015: $294,337,439Liabilities 2015: $258,315,136Net Assets 2015: $36,022,3032015Assets 2016: $318,354,162Liabilities 2016: $281,569,785Net Assets 2016: $36,784,3772016Assets 2017: $338,666,637Liabilities 2017: $299,650,985Net Assets 2017: $39,015,6522017Assets 2018: $350,873,855Liabilities 2018: $309,244,984Net Assets 2018: $41,628,8712018Assets 2019: $389,446,849Liabilities 2019: $345,976,679Net Assets 2019: $43,470,1702019Assets 2020: $451,147,003Liabilities 2020: $406,169,550Net Assets 2020: $44,977,4532020Assets 2021: $461,320,772Liabilities 2021: $410,616,289Net Assets 2021: $50,704,4832021Assets 2022: $0Liabilities 2022: $0Net Assets 2022: $02022

Highlighted filing

2022

Assets$0
Liabilities$0
Net Assets$0
Open 2022 Filing

Operations Trend

Revenue Growth3rd percentile

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

$30M$20M$10M$0-$10MExpenses 2010: $10,190,4002010Expenses 2011: $11,114,3222011Expenses 2012: $10,601,9502012Revenue 2013: $11,475,906Expenses 2013: $10,457,274Net Income 2013: $1,018,6322013Revenue 2014: $11,858,980Expenses 2014: $10,180,743Net Income 2014: $1,678,2372014Revenue 2015: $12,237,183Expenses 2015: $10,687,240Net Income 2015: $1,549,9432015Revenue 2016: $13,560,642Expenses 2016: $11,402,369Net Income 2016: $2,158,2732016Revenue 2017: $14,998,827Expenses 2017: $12,677,340Net Income 2017: $2,321,4872017Revenue 2018: $17,050,104Expenses 2018: $14,431,239Net Income 2018: $2,618,8652018Revenue 2019: $19,287,608Expenses 2019: $16,926,491Net Income 2019: $2,361,1172019Revenue 2020: $19,634,302Expenses 2020: $17,164,275Net Income 2020: $2,470,0272020Revenue 2021: $20,193,229Expenses 2021: $16,612,606Net Income 2021: $3,580,6232021Revenue 2022: $2,753,323Expenses 2022: $3,204,172Net Income 2022: -$450,8492022

Highlighted filing

2022

Revenue$2,753,323
Expenses$3,204,172
Net Income-$450,849
Open 2022 Filing

Filings

Most recent year

2022 • Form 990Import issue. A filing source exists for this year, but detailed import did not complete cleanly.

Open filing
Assets
$0
Liabilities
$0
Net assets
$0
Revenue
$2,753,323
Expenses
$3,204,172
Net income
-$450,849
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2022Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.00$0.00$0.00$2.75$3.20$0.45
2021Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$461$411$50.7$20.2$16.6$3.58
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$451$406$45.0$19.6$17.2$2.47
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$389$346$43.5$19.3$16.9$2.36
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$351$309$41.6$17.1$14.4$2.62
2017Facts available. Structured filing facts are available, but richer extracted sections are limited.$339$300$39.0$15.0$12.7$2.32
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$318$282$36.8$13.6$11.4$2.16
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$294$258$36.0$12.2$10.7$1.55
2014Detailed filing. Detailed filing data is available for this year.$272$238$34.1$11.9$10.2$1.68
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$259$226$32.9$11.5$10.5$1.02
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$225$197$28.7$10.6
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$219$192$27.1$11.1
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$163$141$22.1$10.2
Latest Detailed Filing

The latest 2022 filing currently has an XML import problem. Showing the latest detailed filing from 2020 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2020 to Dec 31, 2020
Signed
Oct 14, 2021
Return Version
2020v4.1
Gross Receipts
$19,649,552
Mission and Program Overview

Mission

Heritage credit union will be an independent, co-operative, premier financial institution with a recognized brand in the markets we serve. We will be the preferred place where families will come to meet their financial needs, for current and future generations.

Simplify banking, meet people's financial needs, save people time.

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$310,243,029$297,269,681▼ $12,973,348
Savings and Temporary Cash Investments$16,113,403$45,084,585▲ $28,971,182
Rtn Earn Endowment Incm Other Fnds$43,470,170$44,977,453▲ $1,507,283
Investments Other Securities$23,526,152$37,111,834▲ $13,585,682
Land, Buildings, and Equipment, Net$15,583,263$26,298,698▲ $10,715,435
Investments in Publicly Traded Securities$2,746,433$19,796,431▲ $17,049,998
Cash and Non-Interest-Bearing Accounts$3,677,928$5,844,098▲ $2,166,170
Accounts Receivable$837,760$782,936▼ $54,824
Prepaid Expenses and Deferred Charges$480,753$555,407▲ $74,654
Intangible Assets$558,648$470,112▼ $88,536
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$389,446,849$451,147,003▲ $61,700,154
Other Assets Total$15,679,480$17,933,221▲ $2,253,741
Liabilities
Other Liabilities$312,430,282$363,172,309▲ $50,742,027
Mortgage Notes Payable Secured by Investment Property$25,033,196$29,033,196▲ $4,000,000
Accounts Payable and Accrued Expenses$7,772,959$13,206,848▲ $5,433,889
Escrow Account Liability$740,242$757,197▲ $16,955
Total Liabilities$345,976,679$406,169,550▲ $60,192,871
Net Assets / Fund Balance
Total Net Assets Fund Balance$43,470,170$44,977,453▲ $1,507,283
Total Liabilities and Net Assets / Fund Balance$389,446,849$451,147,003▲ $61,700,154

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$8,344,036$5,991,000$14,335,036
Other Land Buildings$12,604,371$1,595,519$14,199,890
Land$4,323,127-$4,323,127
Equipment$1,027,164$3,112,203$4,139,367
Leasehold Improvements$0$151,872$151,872
Other Securities$143,423--
Compensation and Service Providers
Top Officer Pay98th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Anita RauchChief Executive OfficerFT$314,098$240,589$554,687
Kelly ChambersChief It & Marketing OfficerFT$146,848$64,686$211,534
Heather RistowChief Operating OfficerFT$154,312$48,440$202,752
Troy EwerSr VP of LendingFT$113,861$72,004$185,865
Chelsea ZastrowChief Financial OfficerFT$114,836$45,893$160,729
Ami SimonsVP of Lending OperationsFT$126,939$16,256$143,195
Nancy SchrimpfDirector of LendingFT$107,117$16,040$123,157
Dave MacintireVP of ItFT$107,262$12,367$119,629
Michael HartyChief Risk OfficerFT$114,905$4,535$119,440
Daun MaierSecretary-$792-$792
Jesse SandovalChairperson-$295-$295

Board Members and Trustees

NameTitle
Brooke FreyDirector
Greg CullenDirector
Matt YoungDirector
Catie ShannonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Kraemer Brothers LLCConstruction Of New BuildingPARK AVENUE, Plain, WI 53577-0219$10,391,592
Cdw Direct LLCIt Equipment, Software, And ServicesPO BOX 75723, Chicago, IL 60675$422,299
Auto ExamVehicle Service Contracts For Auto Loans17555 EL CAMINO REAL, Houston, TX 77058$242,263
Jack Henry & AssociatesSystem Software And ServicesPO BOX 609, Monett, MO 65708$205,071
Frost Financial Services INCFinancial Services8829 CHAPEL SQUARE DRIVE, Cincinnati, OH 45249$180,305
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$18,963,780
Investment Income
$654,922
Other Revenue
$15,600
Change in Net Assets
$2,470,027
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$9,341,288
Salaries, Compensation, and Employee Benefits$7,822,987
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$5,479,024
Current Officers, Directors, Trustees, and Key Employees---$1,130,790
Office Expenses---$1,003,795
Depreciation Depletion---$767,760
Other Employee Benefits---$723,367
Occupancy---$658,250
Information Technology---$583,257
Other Expenses---$577,450
Advertising---$458,367
Payroll Taxes---$407,627
Interest---$391,925
All Other Expenses---$291,867
Insurance---$101,928
Pension Plan Contributions---$82,179
Travel---$64,213
Fees for Services Accounting---$50,989
Fees for Services Other---$49,505
Fees for Services Legal---$8,705
Total Functional Expenses$0$0$0$17,164,275
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
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Shares and Deposits$363,172,309
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

“Each credit union member is considered a shareholder.”

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

“Members elect the board of directors at their annual meeting.”

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

“The officers of the credit union review the 990 prior to filing with the internal revenue service. Then the return is available for the board to review.”

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

“No director, officer, committee member, agent or employee of this credit union shall in any manner, directory or indirectly, participate in the deliberation upon or the determination of any question affecting the person's pecuniary or personal interest or the pecuniary interest of any organization or association in which the person is directly or indirectly interested. In the event of disqualification of any director or member of the credit committee respecting any matter presented to the board of credit committee for deliberation or determination, such director or committee member shall withdraw from the deliberation or determination. If a director or credit committee member withdraws from any deliberation or determination, the remaining qualified directors or credit committee members present at the meeting may exercise all powers of the board or credit committee, provided the number of directors or credit committee members present, including the disqualified directors or members, constitutes a quorum. The board of directors are responsible for regularly and consistently monitoring and enforcing any potential conflict of interest. Any discussion regarding a potential conflict of interest is recorded in the board meeting minutes.”

Form 990, Part VI, Section B, Line 15

“The board of directors review the ceo's salary annually. The amount is determined by the compensation committee and reviewed and approved by the entire board of directors. Annually, the amount is determined based on the contract in place and performance. The ceo reviews president and vp compensation annually based on performance.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available upon written request.”

Filing and Contact Details

Filer

Filer Name
Heritage Credit Union
EIN
39-6048473
Phone
6082412191
Address
1212 HUXLEY ST, MADISON, WI 53704

Signing Officer

Name
Anita Rauch
Title
Chief Executive Officer
Phone
6082412191
Signed
2021-10-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Anita Rauch
Formed
1934
Legal Domicile
Wi
Voting Board Members
7
Independent Board Members
6
Employees
156
Volunteers
6

Preparer

Firm
Wipfli Llp
Address
PO BOX 8010, WAUSAU, WI 54402-8010
Preparer
Mary a Coates CPA
Phone
7158453111
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Changes in other comprehensive income -962,744.”

Financial Statement Notes

PART IV, LINE 2B:

“The organization is the trustee of certain member's escrow funds and has fiduciary responsibility for the administration and distribution of these funds for members of the organization.”

Raw XML AppendixShowing 400 of 588 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/BOYAmt07772959
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt013206848
IRS990/AccountsReceivableGrp/BOYAmt0837760
IRS990/AccountsReceivableGrp/EOYAmt0782936
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0SIMPLIFY BANKING, MEET PEOPLE'S FINANCIAL NEEDS, SAVE PEOPLE TIME.
IRS990/AdvertisingGrp/TotalAmt0458367
IRS990/AllOtherExpensesGrp/TotalAmt0291867
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt0CHELSEA ZASTROW
IRS990/BooksInCareOfDetail/PhoneNum06082378376
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt01212 HUXLEY ST
IRS990/BooksInCareOfDetail/USAddress/CityNm0MADISON
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0WI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd053704
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CapStkTrPrinCurrentFundsGrp/BOYAmt00
IRS990/CapStkTrPrinCurrentFundsGrp/EOYAmt00
IRS990/CashNonInterestBearingGrp/BOYAmt03677928
IRS990/CashNonInterestBearingGrp/EOYAmt05844098
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt08
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt01130790
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd00
IRS990/ContractorCompensationGrp/CompensationAmt010391592
IRS990/ContractorCompensationGrp/CompensationAmt1422299
IRS990/ContractorCompensationGrp/CompensationAmt2242263
IRS990/ContractorCompensationGrp/CompensationAmt3205071
IRS990/ContractorCompensationGrp/CompensationAmt4180305
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PARK AVENUE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt1PO BOX 75723
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt217555 EL CAMINO REAL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt3PO BOX 609
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt48829 CHAPEL SQUARE DRIVE
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0PLAIN
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm1CHICAGO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm2HOUSTON
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm3MONETT
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm4CINCINNATI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0WI
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd1IL
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd2TX
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd3MO
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd4OH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd0535770219
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd160675
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd277058
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd365708
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd445249
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0KRAEMER BROTHERS LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt1CDW DIRECT LLC
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt2AUTO EXAM
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt3JACK HENRY & ASSOCIATES
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt4FROST FINANCIAL SERVICES INC
IRS990/ContractorCompensationGrp/ServicesDesc0CONSTRUCTION OF NEW BUILDING
IRS990/ContractorCompensationGrp/ServicesDesc1IT EQUIPMENT, SOFTWARE, AND SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc2VEHICLE SERVICE CONTRACTS FOR AUTO LOANS
IRS990/ContractorCompensationGrp/ServicesDesc3SYSTEM SOFTWARE AND SERVICES
IRS990/ContractorCompensationGrp/ServicesDesc4FINANCIAL SERVICES
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt0654922
IRS990/CYOtherExpensesAmt09341288
IRS990/CYOtherRevenueAmt015600
IRS990/CYProgramServiceRevenueAmt018963780
IRS990/CYRevenuesLessExpensesAmt02470027
IRS990/CYSalariesCompEmpBnftPaidAmt07822987
IRS990/CYTotalExpensesAmt017164275
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt019634302
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/TotalAmt0767760
IRS990/Desc0TO PROMOTE THRIFT & PROVIDE LOW COST LOANS AMONG MEMBERS. THIS IS ACCOMPLISHED ON A CO-OPERATIVE NON-PROFIT BASIS FOR THE BENEFIT OF THE MEMBERSHIP.THE ORGANIZATION HAD 30,063 MEMBERS AT THE END OF 2020 WITH 4,245,339 POTENTIAL MEMBERS. THE ORGANIZATION GRANTED 6,983 LOANS IN 2020.
IRS990/DescribedInSection501c3Ind00
IRS990/DisregardedEntityInd00
IRS990/DocumentRetentionPolicyInd01
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd01
IRS990/EmployeeCnt0156
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EscrowAccountLiabilityGrp/BOYAmt0740242
IRS990/EscrowAccountLiabilityGrp/EOYAmt0757197
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/TotalAmt050989
IRS990/FeesForServicesLegalGrp/TotalAmt08705
IRS990/FeesForServicesOtherGrp/TotalAmt049505
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt040.00
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IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd2X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd3X
IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd0X
IRS990/Form990PartVIISectionAGrp/KeyEmployeeInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt053789
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt116256
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt216040
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt312367
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt44535
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt544542
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt629565
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt731687
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt8175350
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt90
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt100
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt110
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt120
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt130
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt140
IRS990/Form990PartVIISectionAGrp/PersonNm0TROY EWER
IRS990/Form990PartVIISectionAGrp/PersonNm1AMI SIMONS
IRS990/Form990PartVIISectionAGrp/PersonNm2NANCY SCHRIMPF
IRS990/Form990PartVIISectionAGrp/PersonNm3DAVE MACINTIRE
IRS990/Form990PartVIISectionAGrp/PersonNm4MICHAEL HARTY
IRS990/Form990PartVIISectionAGrp/PersonNm5KELLY CHAMBERS
IRS990/Form990PartVIISectionAGrp/PersonNm6HEATHER RISTOW
IRS990/Form990PartVIISectionAGrp/PersonNm7CHELSEA ZASTROW
IRS990/Form990PartVIISectionAGrp/PersonNm8ANITA RAUCH
IRS990/Form990PartVIISectionAGrp/PersonNm9DAUN MAIER
IRS990/Form990PartVIISectionAGrp/PersonNm10JESSE SANDOVAL
IRS990/Form990PartVIISectionAGrp/PersonNm11CATIE SHANNON
IRS990/Form990PartVIISectionAGrp/PersonNm12GREG CULLEN
IRS990/Form990PartVIISectionAGrp/PersonNm13BROOKE FREY
IRS990/Form990PartVIISectionAGrp/PersonNm14MATT YOUNG
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt0132076
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt1126939
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt2107117
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt3107262
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt4114905
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt5166992
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt6173187
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt7129042
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt8379337
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9792
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10295
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt140
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt100
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt110
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt120
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt130
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt140
IRS990/Form990PartVIISectionAGrp/TitleTxt0SR VP OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt1VP OF LENDING OPERATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR OF LENDING
IRS990/Form990PartVIISectionAGrp/TitleTxt3VP OF IT
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHIEF RISK OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHIEF IT & MARKETING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt6CHIEF OPERATING OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt7CHIEF FINANCIAL OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt8CHIEF EXECUTIVE OFFICER
IRS990/Form990PartVIISectionAGrp/TitleTxt9SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt10CHAIRPERSON
IRS990/Form990PartVIISectionAGrp/TitleTxt11TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990ProvidedToGvrnBodyInd00
IRS990/Form990TFiledInd01
IRS990/FormationYr01934
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GainOrLossGrp/OtherAmt0-15250
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt07
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt019649552
IRS990/GrossRentsGrp/RealAmt015600
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt06
IRS990/IndivRcvdGreaterThan100KCnt010
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InfoInScheduleOPartXIInd0X
IRS990/InformationTechnologyGrp/TotalAmt0583257
IRS990/InsuranceGrp/TotalAmt0101928
IRS990/IntangibleAssetsGrp/BOYAmt0558648
IRS990/IntangibleAssetsGrp/EOYAmt0470112
IRS990/InterestGrp/TotalAmt0391925
IRS990/InvestmentIncomeGrp/ExclusionAmt0670172
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt0670172
IRS990/InvestmentInJointVentureInd00
IRS990/InvestmentsOtherSecuritiesGrp/BOYAmt023526152
IRS990/InvestmentsOtherSecuritiesGrp/EOYAmt037111834
IRS990/InvestmentsPubTradedSecGrp/BOYAmt02746433
IRS990/InvestmentsPubTradedSecGrp/EOYAmt019796431
IRS990/IRPDocumentCnt07714
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt010850594
IRS990/LandBldgEquipBasisNetGrp/BOYAmt015583263
IRS990/LandBldgEquipBasisNetGrp/EOYAmt026298698
IRS990/LandBldgEquipCostOrOtherBssAmt037149292
IRS990/LegalDomicileStateCd0WI
IRS990/LessCostOthBasisSalesExpnssGrp/OtherAmt015250
IRS990/LessRentalExpensesGrp/RealAmt00
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd01
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0HERITAGE CREDIT UNION WILL BE AN INDEPENDENT, CO-OPERATIVE, PREMIER FINANCIAL INSTITUTION WITH A RECOGNIZED BRAND IN THE MARKETS WE SERVE. WE WILL BE THE PREFERRED PLACE WHERE FAMILIES WILL COME TO MEET THEIR FINANCIAL NEEDS, FOR CURRENT AND FUTURE GENERATIONS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt025033196
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt029033196
IRS990/NetAssetsOrFundBalancesBOYAmt043470170
IRS990/NetAssetsOrFundBalancesEOYAmt044977453
IRS990/NetGainOrLossInvestmentsGrp/ExclusionAmt0-15250
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt0-15250
IRS990/NetRentalIncomeOrLossGrp/ExclusionAmt015600
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt015600
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt0658250
IRS990/OfficeExpensesGrp/TotalAmt01003795
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt015679480
IRS990/OtherAssetsTotalGrp/EOYAmt017933221
IRS990/OtherChangesInNetAssetsAmt0-962744
IRS990/OtherEmployeeBenefitsGrp/TotalAmt0723367
IRS990/OtherExpensesGrp/Desc0DIVIDENDS ON MEMBER SHA
IRS990/OtherExpensesGrp/Desc1PROVISION FOR LOAN LOSS
IRS990/OtherExpensesGrp/Desc2DEBIT & CREDIT CARD EXP
IRS990/OtherExpensesGrp/Desc3LOAN SERVICING EXPENSE
IRS990/OtherExpensesGrp/TotalAmt02303808
IRS990/OtherExpensesGrp/TotalAmt11341842
IRS990/OtherExpensesGrp/TotalAmt2687627
IRS990/OtherExpensesGrp/TotalAmt3577450
IRS990/OtherLiabilitiesGrp/BOYAmt0312430282
IRS990/OtherLiabilitiesGrp/EOYAmt0363172309
IRS990/OtherSalariesAndWagesGrp/TotalAmt05479024
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt0310243029
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt0297269681
IRS990/PartialLiquidationInd00
IRS990/PayrollTaxesGrp/TotalAmt0407627
IRS990/PdInCapSrplsLandBldgEqpFundGrp/BOYAmt00
IRS990/PdInCapSrplsLandBldgEqpFundGrp/EOYAmt00
IRS990/PensionPlanContributionsGrp/TotalAmt082179
IRS990/PoliciesReferenceChaptersInd01
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt0480753
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt0555407
IRS990/PrincipalOfficerNm0ANITA RAUCH
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522100
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/Desc0INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc1FEE INCOME
IRS990/ProgramServiceRevenueGrp/Desc2COMMISSION INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt014507106
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt13079935
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt21323330
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt014507106
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt13110723
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt21342058
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt030788
IRS990/ProgramServiceRevenueGrp/UnrelatedBusinessRevenueAmt118728
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt0773165
IRS990/PYOtherExpensesAmt08947775
IRS990/PYOtherRevenueAmt015600
IRS990/PYProgramServiceRevenueAmt018498843
IRS990/PYRevenuesLessExpensesAmt02361117
IRS990/PYSalariesCompEmpBnftPaidAmt07978716
IRS990/PYTotalExpensesAmt016926491
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt019287608
IRS990/ReconcilationRevenueExpnssAmt02470027
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/RentalIncomeOrLossGrp/RealAmt015600
IRS990/ReportInvestmentsOtherSecInd01
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt043470170
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt044977453
IRS990/SavingsAndTempCashInvstGrp/BOYAmt016113403
IRS990/SavingsAndTempCashInvstGrp/EOYAmt045084585
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/BuildingsGrp/BookValueAmt08344036
IRS990ScheduleD/BuildingsGrp/DepreciationAmt05991000
IRS990ScheduleD/BuildingsGrp/OtherCostOrOtherBasisAmt014335036
IRS990ScheduleD/EquipmentGrp/BookValueAmt01027164
IRS990ScheduleD/EquipmentGrp/DepreciationAmt03112203
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt04139367
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/LandGrp/BookValueAmt04323127
IRS990ScheduleD/LandGrp/OtherCostOrOtherBasisAmt04323127
IRS990ScheduleD/LeaseholdImprovementsGrp/BookValueAmt00
IRS990ScheduleD/LeaseholdImprovementsGrp/DepreciationAmt0151872
IRS990ScheduleD/LeaseholdImprovementsGrp/OtherCostOrOtherBasisAmt0151872
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt012604371
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt01595519
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt014199890
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt0363172309
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0SHARES AND DEPOSITS
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt028548000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt12345000
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt21224067
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt3815626
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt44035718
IRS990ScheduleD/OtherSecuritiesGrp/BookValueAmt5143423
IRS990ScheduleD/OtherSecuritiesGrp/Desc0DEPOSITS IN COMMERCIAL BANKS
IRS990ScheduleD/OtherSecuritiesGrp/Desc1LOANS TO AND INVESTMENTS IN NATURAL PERSON CREDIT UNIONS
IRS990ScheduleD/OtherSecuritiesGrp/Desc2NONPERPETUAL CAPITAL ACCOUNT
IRS990ScheduleD/OtherSecuritiesGrp/Desc3PERPETUAL CONTRIBUTED CAPITAL
IRS990ScheduleD/OtherSecuritiesGrp/Desc4ALL OTHER INVESTMENTS
IRS990ScheduleD/OtherSecuritiesGrp/Desc5LOANS HELD FOR SALE
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd0C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd1C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd2C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd3C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd4C
IRS990ScheduleD/OtherSecuritiesGrp/MethodValuationCd5C
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE ORGANIZATION IS THE TRUSTEE OF CERTAIN MEMBER'S ESCROW FUNDS AND HAS FIDUCIARY RESPONSIBILITY FOR THE ADMINISTRATION AND DISTRIBUTION OF THESE FUNDS FOR MEMBERS OF THE ORGANIZATION.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt026298698
IRS990ScheduleD/TotalBookValueSecuritiesAmt037111834
IRS990ScheduleD/TotalLiabilityAmt0363172309
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/ClubDuesOrFeesInd0X
IRS990ScheduleJ/CompensationCommitteeInd0X

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